Sections of cover

Section 1: Cancellation

Covered

You are covered up to the limits as shown on the Summary of Cover for loss of travel, accommodation, tour expenses and tuition/course fees, which were cancelled before you were due to leave your home in Ireland for which you have paid or are contracted to pay, providing the cancellation is necessary and unavoidable (and is not as a result of mere disinclination to begin your trip as arranged) due to any cause listed below occurring during the period of insurance:

1. injury, serious illness, death of you, any person with whom you are intending to travel or stay, or of an immediate relative or close business associate of yours;
2. you being called for jury service, attending court as a witness (but not as an expert witness);
3. redundancy for you or for any person with whom you had arranged to travel;
4. your home or place of business being made uninhabitable, within 14 days of travel;
5. the police asking to see you after theft from your home which occurred within 14 days of travel;

Explorer cover only

If you have selected Explorer cover this section is extended to cover you if you have to cancel your trip as a result of the Department of Foreign Affairs, the World Health Organisation (WHO) or similar body issuing a directive of do not travel or avoid non-essential travel to the country or specific area or event to which you were booked to travel; providing the directive came into force after you purchased this insurance or booked the trip (whichever is the later).

Conditions

1. You must comply with the terms of contract of the travel agent, tour operator or provider of transport, accommodation and/or the course organiser and seek financial compensation and a refund of your tickets, expenses and fees from them in accordance with the terms of the contract and where applicable exercise your rights under consumer protection legislation to obtain a refund and / or compensation.

Note: Check the General Conditions & Claims Procedure for further details.

Not Covered

1. the policy excess shown on the Summary of Cover of any incident. The excess is applicable per person, per policy section, to a maximum of two excesses being charged per insured incident. Please note a specific excess applies in respect of medical emergency repatriation by air ambulance or helicopter services being required within Nepal;
2. medically related claims where a certificate has not been obtained from a medical practitioner, confirming that cancellation of the trip is medically necessary;
3. additional costs as a result of not immediately telling the travel agent, tour operator or provider of transport or accommodation that you need to cancel the trip. We will only pay the cancellation charges that would have applied at the time you knew it was necessary to cancel your trip, if a valid claim exists;
4. any costs recoverable from elsewhere. For example payments recoverable from your credit or debit card issuer;
5. anything caused directly or indirectly by prohibitive regulations by the Government of any country;
6. any pre-existing medical condition;
7. any costs incurred on behalf of other party members who are not specified on the Certificate of Insurance;
8. any costs claimed under another section of this policy;
9. anything mentioned in the General Exclusions.

Section 2: Curtailment

You are covered up to the limits as shown on the Summary of Cover for the value of the portion of your travel, accommodation expenses and tuition/course fees, calculated from the date of your return to your home, which have not been used and which were paid before your departure from your home.

Travelling on a one way ticket: We will not pay you for expenses you would usually have. This includes a return ticket home if you're travelling on a one way ticket. If you do not have an original return ticket, you will not be reimbursed for costs incurred for your early return.

If you want to return home during your trip for any reason that does not give rise to a claim under this policy, and you then wish to resume your trip, you can do so under the same policy. You are not covered for any incidents or treatment while in Ireland.

Explorer Cover only

If you have selected Explorer Cover this section is extended to cover you if you have to curtail your trip as a result of the Department of Foreign Affairs the World Health Organisation (WHO) or similar body recommending evacuation from the country or specific area in which you are travelling, providing the directive came into force after you purchased this insurance and after you have left Ireland to commence the trip (whichever is the later).

Conditions

1. You must contact the 24 hour Emergency Assistance Service for assistance/advice if you need to cut short your trip for an insured reason.
2. You must use or revalidate your original ticket for your early return. If this is not possible you must provide evidence that additional costs were necessary. Any refunds due on unused original tickets will be deducted from your claim. If you do not have an original return ticket, you will not be reimbursed for costs incurred for your early return.
3. If you require the 24 hour Emergency Assistance Service to pay for arrangements, they may first need to contact the relevant medical practitioner to confirm your claim falls within the terms of our cover.
4. If you make your own arrangements you must supply all necessary documentation to substantiate that your claim falls within the terms of cover.

Not Covered

1. the policy excess shown on the Summary of Cover. This applies to each person making a claim;
2. claims that are not confirmed as medically necessary by the 24 hour Emergency Assistance Service, and where a medical certificate has not been obtained from the attending medical practitioner confirming it medically necessary to curtail the trip;
3. additional travelling expenses incurred which are not authorised by the 24 hour Emergency Assistance Service;
4. unused prepaid travel tickets where repatriation has been arranged by the 24 hour Emergency Assistance Service;
5. any pre-existing medical condition;
6. any costs claimed under another section of this policy;
7. anything mentioned in the General Exclusions.

Section 3: Trip Interruption (Explorer Cover Only)

Covered

If you have purchased the Explorer Cover, you are covered up to the limits as shown on the Summary of Cover for reasonable additional travel expenses (Economy Class) for you to resume your trip to the destination abroad if you have been:

1. repatriated home due to an accidental injury or serious illness; or
2. if you have had to return home due to the accidental injury, serious illness, death of an immediate relative or close business associate of yours as covered under Section 2 Curtailment;

We shall pay for travel expenses equivalent to the cost of a return economy class airplane ticket to the destination where you would have been according to your original travel plan at the time you are resuming your trip.

Conditions

1. You must advise us within 30 days of your return home if you wish to resume your trip. The resumption of the trip and additional travel expenses must be agreed by us and must occur within the same insurance period as the incident.

Not Covered

1. the policy excess shown on the Summary of Cover. This applies to each person making a claim;
2. If the incident causing your return home was not covered under this policy;
3. travelling expenses incurred which are not authorised by the 24 hour Emergency Assistance Service;
4. resumption of the trip if it does not take place within the same insurance period as the incident;
5. any further expenses incurred as a result of the medical condition which resulted in your return home. The medical condition that caused you to return home will be deemed a pre-existing medical condition at the time you resume your trip.

Section 4: Emergency Medical Expenses

If cover is confirmed, the Emergency Assistance Service will deal direct with the hospital and arrange the payment of any bills. Repatriation by specially equipped air ambulance will be available where medically necessary.

You must maintain contact with the 24 hour Emergency Medical Assistance Service until your return home or until you no longer require treatment or assistance.

If you receive out-patient treatment (no hospital admission) and the costs are likely to exceed 625 you must refer to the 24 hour Emergency Medical Assistance Service for authorisation.

OUT-PATIENT LESS THAN 625 in the following countries only:
Spain, Greece, Cyprus, Egypt, Turkey and Portugal

If you need out-patient medical treatment and the costs are likely to be less than 625 please provide a copy of your Certificate of Insurance to the doctor and your treatment will be paid by ChargeCare International in line with the policy wording. In such cases, the doctor will ask you to fill in a simple form to confirm the treatment and may request you pay the policy excess. The doctor will then send the medical bill and supporting documentation to ChargeCare International for repayment.

Contact for ChargeCare International: admin@chargecare.net

OUT-PATIENT LESS THAN 625 in all other countries not listed above

Contact the Claims Service for a claim form by email on claims@mstream.co.uk or by phone on +44 (0)330 660 0549. They will advise you of any additional supporting documentation required (this will be dependent upon the circumstances and nature of the medical claim). All original receipts for medical consultations / treatment / medication etc. should be retained and submitted to support your claim.

24 hour Emergency Medical Assistance Service telephone number: +44 (0)20 7183 3751

Note: Travelling on a one way ticket: We will not pay you for expenses you would usually have. This includes a return ticket home if you're travelling on a one way ticket. If you do not have an original return ticket, you will not be reimbursed for costs incurred for your early return.

Covered

You are covered up to the limit as shown on the Summary of Cover for costs incurred outside Ireland for:

1. emergency medical and surgical treatment and hospital charges (including necessary physiotherapy, authorised by the 24 hour Emergency Assistance Service); outpatient physiotherapy treatment will be limited to the amount shown on the Summary of Cover;
2. emergency dental treatment, to relieve pain only, limited to amount shown on the Summary of Cover;
3. reasonable and necessary additional accommodation (room only) and travelling expenses to Ireland (Economy Class), including those of one relative or friend if you have to be accompanied to Ireland on the advice of the attending medical practitioner or if you are a child and require an escort to Ireland;
4. in the event of death, reasonable cost for the conveyance of the body or ashes to Ireland (the cost of burial or cremation is not included), or local funeral expenses abroad limited to 6,250.
5. If you have purchased Explorer Cover, you are also covered for specialist counselling services up to the amount shown on the Summary of Cover if you are a victim of an assault during your trip and you suffer serious injury or psychological trauma.

Conditions

1. In the event of medical treatment becoming necessary for which reimbursement will be sought, we or our representatives will require unrestricted access to all of your medical records and information.
2. If you are admitted to hospital as an in-patient or require on-going outpatient treatment overseas, the 24 hour Emergency Assistance Service must be notified immediately.
3. If cover is confirmed, the 24 hour Emergency Assistance Service will deal direct with the hospital and arrange the payment of any bills. Repatriation by specially equipped air ambulance will be available where medically necessary.
4. You must maintain contact with the 24 hour Emergency Assistance Service until your return home or until you no longer require treatment or assistance.
5. If you receive out-patient treatment (no hospital admission) and the costs are likely to exceed 625 you must refer to the 24 hour Emergency Assistance Service for authorisation.
6. If you receive out-patient treatment (no hospital admission) in Spain, Greece, Cyprus, Portugal or Turkey, show your Certificate of Insurance to the doctor and your treatment will be paid through ChargeCare International in line with the policy wording. The doctor will ask you to fill in a form to confirm treatment and may request you to pay the excess.
7. If you receive out-patient treatment (no hospital admission) in other countries, it may be easier to pay any bills yourself. Keep all receipts and submit a claim when you return home. If you are in any doubt, call the 24 hour Emergency Assistance Service for help.
8. Check the General Conditions & Claims Procedure for further details.

Not Covered

1. the policy excess shown on the Summary of Cover. This applies to each person making a claim;
2. any sums which can be recovered from another source or which are covered under any National Insurance scheme or reciprocal health arrangement;
3. any expenses or fees, for in-patient treatment or returning home early, which have not been reported to and authorised by the 24 hour Emergency Assistance Service;
4. costs of more than 625 which have not been agreed upon and authorised by the 24 hour Emergency Assistance Service beforehand;
5. any expenses incurred for illness, injury or treatment required as a consequence of:
   1. Surgery or medical treatment which in the opinion of the attending medical practitioner and the 24 hour Emergency Medical Assistance service can be reasonably delayed until your return home;
   2. Medication and or treatment which at the time of departure or start date of your policy cover, whichever is the later, is known to be required or to be continued during your trip;
   3. Undertaking an activity against the advice of a medical practitioner;
   4. any pre-existing medical condition;
6. the cost of any routine or elective (non-emergency) treatment or surgery, including specialist review or referral, exploratory tests, treatment or surgery which are not directly related to the injury, which necessitated your admittance to hospital;
7. claims that are not confirmed as medically necessary by the attending medical practitioner or the 24 hour Emergency Assistance Service;
8. any additional hospital costs arising from single or private room accommodation unless medically necessary;
9. treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre;
10. any costs incurred within Ireland or after you have returned home;
11. further costs you incur if we wish to bring you back to Ireland early but you refuse (where in the opinion of the treating medical practitioner and the 24 hour Emergency Assistance Service you are fit to travel);
12. anything mentioned in the General Exclusions.

Section 5: Hospital Benefit

This benefit is payable only if the hospital admission has been covered under the terms of Section 4 Emergency Medical Expenses. The benefit payment is intended to contribute towards miscellaneous expenses that may be incurred whilst you are an in-patient (e.g. your taxi fares, your internet access and your telephone calls while in hospital). This policy does not provide compensation for loss of holiday/enjoyment.

Covered

You are covered up to the limit as shown on the Summary of Cover of payment of the amount shown for each complete 24 hours you spend in hospital as the result of being admitted as an inpatient to a registered hospital overseas. This is in addition to any medical expenses incurred under Section 4 Emergency Medical Expenses.

Conditions

In the event of a claim, you must provide documentation confirming the date and time of admission and discharge.

Not Covered

Anything mentioned in the General Exclusions.

Section 6: Personal Accident

Covered

You are covered up to the limit as shown on the Summary of Cover in respect of loss of limb, loss of sight, permanent total disablement, if you have a personal accident during your trip which, up to 12 months from the date of the accident, is the sole cause of your consequent disability.

We will only pay the benefit for permanent total disablement if your medical practitioner confirms that you cannot do any work for 12 months after the date of the accident and there is little or no hope of improvement. You must accept and agree to examination by our doctor or specialist should we consider it necessary to validate the claim.

Note: The permanent total disablement benefit will not apply if you are aged under 16 years at the time of the accident.

Not Covered

1. any claim for loss or disablement caused directly or indirectly by:
   1. disease or any physical defect or illness; or
   2. an injury which existed prior to the beginning of the trip;
2. anything mentioned in the General Exclusions.

Section 7: Baggage & Personal Belongings

Covered

1. Personal Baggage

   You are covered up to the limit on the Summary of Cover for the value or repair to any of your personal baggage you take with you or buy on your trip (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to:

   1. the single item limit as shown on your Summary of Cover for any one item, pair or set of items;
   2. the valuables limit as shown on your Summary of Cover for all valuables combined, in total; or
   3. specified items value where personal items are specifically shown on your Certificate of Insurance and the appropriate additional premium is paid. Specified items are covered on a new for old basis. We can replace or repair lost or damaged items, or make a cash settlement based on the replacement cost. We do not make any reductions for wear and tear on items specifically shown on your Certificate of Insurance.

2. Delayed Baggage

   You are covered up to the limit on the Summary of Cover for the cost of buying replacement necessities if your personal baggage is delayed in reaching you on your outward journey for at least 24 hours and you have a written report from the carrier (e.g. airline, shipping company etc.) or tour representative. Receipts will be necessary in the event of a claim.

Conditions

1. any amount we pay you under Delayed Baggage will be deducted from the final claim settlement if your baggage is permanently lost.
2. you must obtain written proof of the incident from the police, your accommodation management, tour operator or carrier, within 24 hours of the discovery in the event of loss, burglary or theft of the baggage. Failure to do so may result in your claim being declined.
3. in the event of a claim for damaged items, proof of the damage must be supplied.
4. in the event of a claim for a pair or set of items, we shall be liable only for the value of that part of the pair or set which is lost, stolen, damaged or destroyed.
5. if the repair cost is more than the value of an item, we will assess the claim as if the item has been lost.

Not Covered

1. the policy excess shown on the Summary of Cover. This applies to each person making a claim; of any incident.
2. any item left unattended or where you do not exercise reasonable care for the safety and supervision of your personal baggage;
3. any item, pair or set of items with a value of over 90, if an original receipt, valuation report or other acceptable proof of ownership and value cannot be supplied to support your claim;

4. in the event of a claim for damaged items, proof of the damage must be supplied. The damaged articles must be retained by you and if requested, submitted to the claims handlers so as to substantiate a claim.

   Note: Failure to do so may result in a claim being denied.

5. if your personal baggage is lost, damaged or delayed in transit and you do not:
   1. notify the carrier (i.e. airline, shipping company etc.) immediately and obtain a written carrier's report (or Property Irregularity Report (PIR) in the case of an airline); or
   2. follow up in writing within 7 days of the loss, damage or delay to obtain a written carrier's report (or Property Irregularity Report (PIR) in the case of an airline) if you are unable to obtain one immediately.
6. loss, destruction, damage or theft of the following property:
   1. contact or corneal lenses, hearing aids, dentures and false body parts or other prostheses;
   2. antiques, precious stones that are not set in jewellery, glass or china, pictures, musical instruments;
   3. pedal cycles, dinghies, boats and/or ancillary equipment, vehicles or vehicle accessories (other than wheelchairs and pushchairs);
   4. tools of trade;
   5. perishable items such as food;
   6. valuables and items specifically shown on your Certificate of Insurance left unattended at any time (including in a vehicle or in the custody of carriers) unless they are with you or locked in a safe or safety deposit box;
   7. money (refer to Section 8 Explorer Cover for additional cover)
7. loss, destruction, damage or theft:
   1. due to confiscation or detention by customs or other officials or authorities;
   2. due to wear and tear, denting or scratching, moth or vermin;
   3. transportation by any postal or freight service, or if sent under an air-way bill or bill of lading
8. mechanical breakdown or derangement, for breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessels, aircraft or vehicle in which they are being carried.
9. personal baggage stolen from:
   1. an unattended vehicle unless it was in the locked glove compartment or rear boot or luggage area of the vehicle and is covered so as not to be visible from the outside of the vehicle and there is evidence of forcible and violent entry; or
   2. an unattended vehicle (other than motor caravans) left for any period between the hours of 9pm and 9am.
10. any shortage due to error, omission or depreciation in value;
11. any property more specifically insured or recoverable under any other source;
12. stamps, documents, deeds, samples or merchandise, manuscripts or securities of any kind;
13. sports or activity equipment whilst in use;
14. anything mentioned in the General Exclusions.

Section 8: Money (Explorer Cover Only)

Covered

If you have purchased Explorer Cover, you are covered up to the limitas shown on the Summary of Cover for accidental loss or theft of your own money whilst being carried on your person or left in a locked safety deposit box. Cash is limited to the amount shown on the Summary of Cover unless you are under 16 years, in which case the maximum payable is 65.

Conditions

In the event of a claim for loss of cash, you must provide evidence of the initial withdrawal of the cash and also evidence of how you coped financially immediately after the loss (e.g. currency exchange/withdrawal slips, bank/credit card statements).

Not Covered

1. the policy excess shown on the Summary of Cover. This applies to each insured person making a claim;
2. if you do not exercise reasonable care in protecting your money against theft;
3. if you do not obtain a written police report within 24 hours of the discovery in the event of burglary or theft of money;
4. any shortages due to error, omission or depreciation in value;
5. anything mentioned in the General Exclusions.

Section 9: Loss of Passport, Driver Licence & Other Travel Documents

Covered

You are covered up to the limit as shown on the Summary of Cover for:

1. reasonable additional travel or accommodation expenses you have to pay whilst abroad, over and above any payment which you would normally have made during the trip if no loss had been incurred, as a result of you needing to replace a lost or stolen passport/travel documents;
2. any additional fees payable specifically to you to obtain the replacement passport/travel documents itself over and above that payable in your home;
3. the equivalent pro-rata value of the remaining period of your passport and/or travel documents if it is lost or stolen on your trip;
4. the replacement costs of any temporary passport, as well as travel documents or temporary work permits which were issued in your original passport.

Conditions

You must provide receipts for all costs incurred.

Not Covered

1. the policy excess shown on the Summary of Cover of any incident. This applies to each insured person involved in the incident causing the claim;
2. any costs that you would have incurred had you not lost your passport or travel documents;
3. if you do not exercise reasonable care for the safety or supervision of your passport/travel documents;
4. if you do not obtain a written police report within 24 hours of the loss;
5. loss, destruction or damage arising from confiscation or detention by customs or other officials or authorities;
6. anything mentioned in the General Exclusions.

Section 10: Travel Delay & Abandonment (Explorer Cover Only)

Covered

Conditions

1. In the event of a claim due to delayed public transport you must provide documentation from the transport company, confirming the period of the delay and the reason for the delay, cancellation or diversion.
2. You must check in, according to the itinerary supplied to you unless your public transport provider has requested you not to travel to the airport / port.
3. You must get (at your own expense) written confirmation from the public transport operator (or their handling agents) of the cancellation, number of hours of delay or denied boarding and the reason for these together with details of any alternative transport offered.
4. You must comply with the terms of contract of the public transport operator and seek financial compensation, assistance or a refund of your ticket from them, in accordance with the terms and/or (where applicable) your rights under EU Air Passengers Rights legislation or other passenger protection scheme in the event of denied boarding, cancellation or long delays.
5. You can only claim under one subsection for the same event.

Not Covered

1. the policy excess shown on the Summary of Cover of any incident. This applies to each insured person making a claim and is only applicable if you abandon your trip;
2. if you have not checked-in in sufficient time for your outward or return journey;
3. any claims arising from withdrawal from service temporary or otherwise of the aircraft, coach, train or sea vessel on the order or recommendation of the Civil Aviation Authority or Port Authority or similar body in any country;
4. abandonment of a trip once you have departed from Ireland;
5. any costs incurred by you which are recoverable from the public transport operator or for which you receive or are expected to receive compensation, damages, refund of tickets, meals, refreshments, accommodation, transfers, communication facilities or other assistance.
6. denied boarding due to your drug use, alcohol or solvent abuse or your inability to provide a valid passport, visa or other documentation required by the public transport operator or their handling agents.
7. claims arising which relate to an event which is occurring or you were aware could occur at the time you purchased this insurance or booked your trip (whichever is the later)
8. any costs claimed under another section of this policy
9. anything mentioned in the General Exclusions.

Section 11: Missed Departure (Explorer Cover Only)

Covered

If you have purchased Explorer Cover, you are covered up to the limit as shown on your Summary of Cover for reasonable additional accommodation (room only) and public transport travel expenses (Economy class) necessarily incurred if you fail to arrive in time to board any onward connecting public transport on which you are booked to travel, including connections within Ireland as a result of:

1. the failure of other public transport;
2. strike or industrial action;
3. adverse and unforeseeable weather conditions;
4. you being denied boarding because there are too many passengers for the seats available
5. the vehicle in which you are travelling being involved in an accident or breakdown, or you being delayed as a result of a major accident on a motorway. In the event of a claim due to vehicle breakdown or a road accident, you must obtain a police or roadside assistance report;

Conditions

1. You must check in, according to the itinerary supplied to you unless your transport provider operator has requested you not to travel to the airport / port.
2. You must get (at your own expense) written confirmation from the public transport operator (or their handling agents) of the cancellation, number of hours of delay or denied boarding and the reason for these together with details of any alternative transport offered.
3. You must comply with the terms of contract of the public transport operator and seek financial compensation, assistance or a refund of your ticket from them, in accordance with the terms and/or (where applicable) your rights under EU Air Passengers Rights legislation or other passenger protection scheme in the event of denied boarding, cancellation or long delay of flights.

Not Covered

1. the policy excess shown on the Summary of Cover of any incident. This applies to each insured person making a claim;
2. if sufficient time has not been allowed for your journey in order to meet the check-in time(s) specified by the transport providers or agent;
3. if you are not proceeding directly to the departure point;
4. any costs incurred by you which are recoverable from the public transport operator or for which you receive or are expected to receive compensation, damages, refund of tickets, meals, refreshments, accommodation, transfers, communication facilities or other assistance;
5. denied boarding due to your drug use, alcohol or solvent abuse or your inability to provide a valid passport, visa or other documentation required by the public transport operator or their handling agents;
6. claims arising which relate to an event which is occurring or you were aware could occur at the time you purchased this insurance or booked your trip (whichever is the later);
7. any costs claimed under another section of this policy
8. anything mentioned in the General Exclusions.

Section 12: Uninhabitable Accommodation (Explorer Cover Only)

Covered

If you have purchased Explorer Cover, we will pay you up to limit as shown on the Summary of Cover for reasonable additional accommodation (room only) and transport costs (Economy class) incurred as a result of fire, flood, earthquake, volcano, explosion, tsunami, landslide, avalanche, hurricane, storm or an outbreak of food poisoning or an infectious disease affecting where you are staying for one of the following:

1. up to the standard of your original booking, if you need to move to other accommodation on arrival or at any other time during the trip because you cannot use your booked accommodation; or
2. with the prior authorisation of the 24 hour Emergency Assistance Service to evacuate you to the nearest place of safety or repatriate you to your home if it becomes necessary to curtail the trip.

Conditions

1. you must provide written confirmation from the appropriate public authority confirming the cause and the amount of time it lasted.
2. you must provide written confirmation of the additional accommodation (room only) charges incurred.

Not Covered

1. the policy excess shown on the Summary of Cover of any incident. This applies to each insured person making a claim;
2. any cost recoverable from another source (e.g. tour operator, hotel, credit/debit card company);
3. any claim arising as a result of you travelling against the advice of a local or national authority;
4. any costs for normal day to day living such as food and drink which you would have expected to pay during your trip;
5. any claim arising as a result of your mere disinclination to carry on with your trip;
6. claims arising which relate to an event which is occurring or you were aware could occur at the time you purchased this insurance or booked your trip (whichever is the later) or any time prior to your departure from Ireland;
7. any costs claimed under another section of this policy;
8. anything mentioned in the General Exclusions

Section 13: Political Unrest & Natural Catastrophe Evacuation Expenses (Explorer Cover Only)

Covered

If you have purchased Explorer Cover, you are covered up to the limit shown on the Summary of Cover for reasonable costs and expenses incurred in transporting you from the country in which the natural catastrophe or political unrest has occurred to the nearest place of safety as a result of you needing to evacuate from your destination during your trip.

Conditions

You must contact Security Exchange immediately if an event occurs which may result in you needing to leave a country. No claim will be paid if Security Exchange are not contacted.

Not Covered

1. any costs incurred as a result of you failing to produce or maintain the required covered documents, visas and permits for the country in which you are travelling.
2. claims arising which relate to an event which is occurring or you were aware could occur at the time you purchased this insurance or booked your trip (whichever is the later)
3. any costs claimed under another section of this policy; or
4. anything listed in the General Exclusions.

Section 14: Personal Liability

You must NOT admit liability at any time

Note: If you are using a mechanical/motorised vehicle, make sure that you are adequately insured for third party liability, as you are not covered under this insurance for third party liability.

Covered

You are covered up to the limit as shown on the Summary of Cover, for legal expenses and legal liability for damages incurred by you which are caused by an accident that happened during the trip, and leads to claims made against you as a result of:

1. accidental bodily injury to a person who is not a member of your family or household or employed by you or a travelling companion;
2. loss of or damage to any property which does not belong to you, is not in the charge of, and is not in the control of you or any member of your family, household or employee;
3. loss of or damage to temporary holiday accommodation that does not belong to you, or any member of your family, household or employee.

Not Covered

1. the policy excess shown on the Summary of Cover of any incident. This applies to each person making a claim;
2. fines imposed by a Court of Law or other relevant bodies;
3. anything caused directly or indirectly by:
   1. liability which you incur as a result of an agreement that you made which would not apply in the absence of that agreement;
   2. injury, loss or damage arising from:
      1. ownership or use of aircraft, horse-drawn or mechanical/motorised vehicles, bicycles, vessels (other than rowing boats, punts or canoes), animals (other than horses) or firearms or any weapons;
      2. the occupation (except temporarily for the purpose of the trip) or ownership of any land or buildings;
      3. the carrying out of any work, trade or profession;
      4. racing of any kind;
      5. any deliberate act;
      6. suicide, attempted suicide, self-inflicted injury, alcohol or drug abuse, alcoholism, drug addition, solvent abuse, wilful exposure to exceptional risk (unless you are trying to save someone's life);
   3. Liability covered under any other insurance;
4. anything mentioned in the General Exclusions.

Section 15: Legal Expenses

1. nominate an appointed adviser to act for you. If you and we cannot agree on an appointed adviser, the matter can be referred to an alternative resolution facility;
2. for each event giving rise to a claim pay up to the amount shown on the Summary of Cover for legal costs for legal action for you (but no more than 60,000 in total for all persons insured on the policy).

Conditions

1. You must conduct your claim in the way requested by the appointed adviser.
2. You must keep us and the appointed adviser fully aware of all the facts and correspondence including any claim settlement offers made to you.
3. We will not be bound by any promises or undertakings which you give to the appointed adviser, or which you give to any person about payment of fees or expenses, without our consent.
4. We can withdraw cover after we have agreed to the claim, if we think a reasonable settlement is unlikely or that the cost of legal action could be more than settlement.

Not Covered

1. Any claim
   1. reported to us more than 60 days after the event giving rise to the claim;
   2. where we think a reasonable settlement is unlikely or where the cost of legal action could be more than the settlement;
   3. involving legal action between members of the same household, an immediate relative, a travelling companion or one of your employees;
   4. where another insurer or service provider has refused your claim or where there is a shortfall in the cover they provide;
   5. against a travel agent, tour operator or carrier, us, the insurer, another person insured by this policy or our agent.
2. Legal Costs
   1. for legal action that we have not agreed to;
   2. if you refuse reasonable settlement of your claim. You should use alternative resolution facilities such as mediation in this situation;
   3. if you withdraw from a claim without our agreement. If this occurs legal costs that we have paid must be repaid to us and all legal costs will become your responsibility;
   4. that cannot be recovered by us, you or your appointed adviser, when you receive compensation. Any repayment will not be more than half of the compensation you receive;
   5. awarded as a personal penalty against you or the appointed adviser (for example not complying with court rules and protocols);
   6. for bringing legal action in more than one country for the same event;
   7. the funding of any appeal costs or actions to enforce a judgement or legally binding decision;
   8. anything mentioned in the General Exclusions.

Section 16: Hijack (Explorer Cover Only)

Covered

If you have purchased Explorer Cover, you are covered up to the limit as shown on the Summary of Cover for each full 24 hour period you are the victim of a hijack.

Not Covered

1. if you or your family, travelling companion or your close business associates have engaged in activities that could be expected to increase the risk of hijack;
2. anything mentioned in the General Exclusions.

Section 17: Work, Sports & Activities

Covered

Your travel insurance covers you for non-manual work and many sports and activities as standard which are listed below as Level 1. Any other work and activities will need an extra premium to be paid for cover to apply and it will be shown on your Certificate of Insurance.

If you are participating in an activity that is not listed, you must contact us to ensure you have full cover, cover will not be in place until we have confirmed acceptance and any additional premium paid.

If you have paid the additional premium for a sport or activity in Level 4 you will be covered for all sports and activities listed as Level 1, 2, 3 and 4.

If you have paid the additional premium for a sport or activity in Level 3 you will be covered for all sports and activities listed as Level 1, 2 and 3.

If you have paid the additional premium for manual work, a sport and activity in Level 2 you are covered for all sports and activities listed as Level 1 and 2.

Note: Some sections of cover will be excluded and special conditions and exclusions will apply while taking part in certain activities, see the individual sport and activity below for details:

Special Conditions

1. You must be with a professional, qualified and licensed guide, instructor or operator.
2. You must have the appropriate certification or licence to do this sport or activity at home. If operating a motor vehicle the driver must have the appropriate valid Irish licence for the machine
3. within 60 miles of a safe haven (a protected body of water used by marine craft for refuge from storms or heavy seas)
4. Conventional skiing / snowboarding only. It is not a condition of cover that you ski or board with a guide, however, you must follow the International Ski Federation code or the resort regulations and we recommend that you do not venture into back country areas without taking local advice and appropriate rescue equipment;
5. You must hold a British Sub Aqua Club certificate or Professional Association of Diving Instructors certificate or equivalent and follow the relevant Club or Association rules and guidelines at all times, or you must only dive under the constant supervision of a properly licensed diving school and follow their rules and instructions at all times.

Special Exclusions

1. No cover for any competition, free-style skiing / snowboarding, ski/ snowboard jumping, ski-flying, ski / snowboard acrobatics, ski / snowboard stunting, or ski racing or national squad training, the use of skeletons.
2. No cover for any unaccompanied dive, any dive in overhead environments, or any dive for gain or reward.
3. No cover for free mountaineering, climbing in remote or inaccessible regions, exploratory expeditions and new routes, high altitude climbing over 6,000 metres.

Conditions

1. You must act in a reasonable way and use all recommended safety equipment and protective clothing that is necessary and undergo any required training.

Not Covered

Cover does not apply if you are:

1. taking part in activities at a professional level.
2. competing at international events as a national representative.
3. participating in hazardous activities or extreme pursuits other than as listed,
4. racing or participating in speed or time trials.
5. motorbike touring or where a motorbike is the main mode of transport;
6. base jumping, cliff diving, martial arts competitions, potholing and caving, motor sports, stunt flying / aerobatics
7. taking part in mountaineering expeditions or expeditions to the Arctic or Antarctic,
8. taking part in dangerous expeditions or the crewing of a vessel more than 60 miles from a safe haven;
9. work with mechanical or industrial machinery;
10. work at a height above 2 metres
11. work offshore or underground
12. work as a ski, snowboard or diving instructor or guide;
13. work as a guide where ropes or other specialist climbing equipment is required or where you go underground or in caves;
14. work with dangerous animals including big cats, crocodiles, alligators, sharks, hippopotamuses, snakes, elephants or bears;
15. work involving dangerous or extreme pursuits;
16. anything listed in the General Exclusions.

Section 18: Collision Damage Waiver Excess (Explorer Cover Only)

Covered

If you have purchased Explorer Cover, we will pay up to the amount shown on the Summary of Cover for:

1. the reimbursement of the accidental damage or theft excess applied to your car hire insurance if the insured vehicle is stolen, damaged or involved in an accident during the rental period;
2. the cost of replacing rental car keys if these are lost, stolen or damaged during the rental period, this includes where necessary the costs to replace locks or for a locksmith to break into the insured vehicle.

Not Covered

1. any claim where you have not followed the terms of your rental agreement.
2. any person aged under 21 years old at the start date of the policy.
3. any claim for damage caused as a result of theft of the vehicle unless a written police report is obtained

Section 19: Financial Failure Protection

Conditions

In the case of insolvency after departure as set out in 2a) and 2b) above where practicable you should obtain our approval prior to incurring the relevant costs.

Not Covered

1. Travel or accommodation not booked prior to departure from Ireland.
2. The Financial Failure of:
   1. any travel or accommodation provider in Chapter 11 or any threat of insolvency being known at the date the policy is issued or date the booking is made (whichever is the later);
   2. any travel of accommodation provider who is bonded or insured elsewhere (even if the bond is insufficient to meet the claim);
   3. any travel agent, tour organiser, booking agent or consolidator with whom you have booked travel or accommodation;
3. any loss for which a third party is liable or which can be recovered by other legal means;
4. any losses which are not directly associated with the incident that caused the insured to claim. For example, loss due to being unable to reach your pre-booked hotel following the financial failure of an airline.