Policy Wording & Definitions

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Travel Insurance

Underwritten by Certain Underwriters at Lloyd's of London
Arranged by Insurance Consultants International
Administered by Fogg Travel Insurance Services Limited

This insurance is Valid for Issue between 1st JANUARY 2006 AND THE 31ST DECEMBER 2006 in respect of Departures between 1st JANUARY 2006 AND 31ST DECEMBER 2007

TERRITORIAL LIMITS

AREA 1 The Continent of Europe including all countries west of the Ural Mountains (excluding the United Kingdom (but not excluding the Channel Islands and Isle of Mann),
Mediterranean Islands, Morocco, Algeria, Tunisia, Turkey, Canary Islands, Madeira and the Azores.
AREA 2 Worldwide excluding USA/Canada
AREA 3 Worldwide including USA/Canada

CLAIMS

In the event of a claim please contact:

FOGG TRAVEL INSURANCE SERVICES LIMITED,
Crow Hill Drive, Mansfield, Notts. NG19 7AE Tel 01623 631331 Fax 01623 420450

When returning the claim form please enclose this Certificate of Insurance and Certificate Schedule.

RECIPROCAL HEALTH AGREEMENT

In countries where reciprocal heatlh arrangements exist all reasonable steps must be made to utilize them. Travellers to European Union countries are strongly advised to obtain Form E 111 from their local Post Office. This will entitle them to benefit from the reciprocal health arrangements which exist between European Union countries.

WHAT IS NOT COVERED

Any payment which you would normally have made during your travel if nothing had gone wrong.

24 HOUR WORLDWIDE EMERGENCY MEDICAL SERVICE

The cost of the Medical Emergency Service will be met under this insurance. The operation and availability of the service will be governed by the terms, conditions and exclusions in the Certificate Wording and will be operated by FOGG ASSIST

An experienced Assistance Coordinator will deal with your enquiry and will then ensure:

• where necessary hospitals are contacted
• necessary medical fees are guaranteed
• medical advisers are consulted
• where medically necessary in the opinion of our medical advisers make arrangements for repatriation to the United Kingdom and the best method of transportation to be adopted.

If you need help please phone:

FOGG ASSIST
Tel : 44 (0) 845 658 9899  Fax: 44 (0) 20 7407 9206
quoting Scheme Name: INTERNET TRIP TRAVEL SCHEME and your level of cover as stated on your valid Certificate Schedule.

Where any illness or injury necessitates admittance to a hospital it is imperative that FOGG ASSIST is contacted first prior to making any admission arrangements. If this is
not possible because the condition is life, limb or organ threatening FOGG ASSIST must be contacted as soon as possible thereafter.
Failure to contact FOGG ASSIST may prejudice your claim.
This is not a general health insurance. It only covers the Insured in the event of any sudden and unexpected accident or the onset of sickness or illness and does not cover
ELECTIVE (non-emergency) treatment.

SPECIAL CONDITIONS

1. It is a condition precedent to any liability under this insurance that immediate notice must be given to FOGG ASSIST of any loss or injury which necessitates admittance
   to hospital as an in-patient or before any arrangements are made for repatriation.
2. In the event of injury or illness to the Insured, Insurers reserve the right to:
   a) repatriate you when, in the opinion of the treating doctor and the Assistance Service, you are fit to travel
   b) avoid further liability in the event that you refuse repatriation when, in the opinion of the treating doctor and the Assistance Service, you are fit to travel
   c) transfer you to the hospital, clinic or location of our choice when, in the opinion of the treating doctor and the Assistance Service, you are fit to be transferred.

PERIOD OF INSURANCE

The Period of Insurance under the Cancellation Section commences from the date of issue of the certificate and terminates on the commencement of the planned journey or trip.
All other Sections shall commence at the time of leaving the normal place of residence or business (whichever is the later) in the United Kingdom and shall terminate on return thereto on completion of the journey or trip as specified in the itinerary but shall not exceed the period stated in the certificate schedule. In any event cover will commence no more than 24 hours prior to the booked departure time from the United Kingdom and will cease no more than 24 hours after the booked return to United Kingdom.

The cover operates only where all of the following conditions are satisfied:-
(a) all of the persons entitled to benefit under this certificate are normally resident in the United Kingdom at the date of issue of the certificate; and
(b) the trip is a conventional holiday or a business trip of a commercial nature; and
(c) it is a round trip commencing in and returning to the United Kingdom during the Period of Insurance.

EXTENSION OF PERIOD OF INSURANCE

If the homeward journey cannot be completed before the expiry of the Period of Insurance this certificate shall remain in force without additional premium as follows:
1. Up to 14 days in the event of delay to any vehicle, vessel or aircraft in which you are travelling as a ticket holding passenger.
2. Up to 30 days if the intended return journey is prevented due to your bodily injury or illness.
We will also continue to pay medical treatment under the Emergency Medical and Associated Expenses Section (up to the sum insured provided by the certificate) for this period or such extension of period as is medically certified as being necessary.

GENERAL WARRANTY

1. It is warranted that at the time of effecting insurance:
   a) the Insured(s) is/are not aware of any reason why the proposed journey or trip could be cancelled or abandoned or of any medical condition of any person whether travelling or not which could result in a claim or require treatment during the period of insurance
   b) the Insured(s) have informed Us in respect of all serious and/or chronic pre-existing illnesses/infirmities relating to all persons whether travelling or not on whom the journey or trip plans depend that have suffered from, received medication, treatment or advice for that illness/infirmity in the last 12 months prior to issue of this certificate
   c) the Insured(s) must obtain medical advice on the advisability of taking a journey or trip where medical treatment as a hospital in-patient has been received during the 12 months preceding the holiday booking
2. Where the Insured has sought medical advice for a potentially serious illness or injury between purchasing this certificate and travelling, the Insured must obtain a medical certificate confirming fitness to travel.

DEFINITIONS
‘Abandonment’ means returning to your home address prior to the scheduled return date or becoming an in-patient in hospital, in which case a proportionate refund will be made of unused travel and accommodation costs and pre-paid charges. The refund for accommodation will be based on each day you have lost but a proportionate refund of travel expenses will be paid only if you cannot use your return ticket.

‘Bodily Injury’ includes death or disablement as a direct result of exposure following a forced landing of any aircraft or a mishap to a vessel or vehicle in which you are travelling.

‘Business Equipment’ means equipment used soley by you for your business and taken with you on the business trip abroad and such equipment is not insured elsewhere by any other means.

‘Business Trip’ means any trip outside the United Kingdom during the period of insurance to carry out commercial, non manual work/business only on behalf of your employer or your company. There is no cover for any manual work/business undertaken whilst on the Business Trip unless specifically agreed in advance by the Insurers.

‘Business Valuables’ means jewellery, gold/silver/precious metal or precious stone articles, watches, cameras, photographic apparatus, binoculars, video equipment, mobile telephones and any audio or audiovisual equipment including, but not limited to: tape recorders, cassettes and players, radios, compact discs and players, minidiscs and players, computers and accesories, video games and TV sets, furs and animal skins.

‘Close Business Associate’ means an associate of the Insured in the same employment as the Insured whose absence from work or place of employment necessitates the cancellation or abandonment of the journey/trip as certified by a Senior Director of such company.

‘Close Relative’ means mother, father, sister, brother, wife, husband, daughter, son, grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in- law, step-parent, step-child, step-sister, step-brother, aunt, uncle, cousin, nephew or niece.

‘Fitness to Travel’ means that it is unlikely you will require in-patient treatment whilst abroad.

‘Golfing Equipment’ means golf clubs, golf bags, golfing clothing used exclusively for playing golf, non motorised trolleys and golf shoes being the property of the Insured.

‘Hired Golf Equipment’ means “Golf Equipment” which You have hired from a golf equipment shop or golf equipment hire shop specifically for use during the Period of Insurance.

‘Home Address’ means your home address in the United Kingdom.

‘Immediate Relative’ means mother, father, sister, brother, wife, husband, daughter or son.

‘Loss of Limbs’ means loss by physical severance at or above the wrist or ankle or the total and permanent loss of use of an entire hand, arm, foot or leg.

‘Permanent Total Disablement’ means permanent and total disablement from engaging in or attending to any kind of profession or occupation.

‘The Insured/you’ means the person or persons named in the certificate schedule.

‘Total Loss of Sight’ means complete and irrecoverable loss of sight.

‘Travelling Companion’ means an accompanying person without whom the journey or trip cannot commence.

‘United Kingdom’ includes Isle of Man and Channel Islands.

‘Valuables’ means jewellery, gold/silver/precious metal or precious stone articles, watches, cameras, photographic apparatus, binoculars, video equipment, mobile telephones and any audio or audio visual equipment including, but not limited to: tape recorders, cassettes and players, radios, compact discs and players, minidiscs and players, computers and accessories, video games and TV sets, furs and animal skins.

‘We/Us/Our/Insurers’ means Certain Underwriters at Lloyd’s of London

“You/Your/Insured Person” means the first insured person and/or persons named in the certificate schedule

Subject to the terms of this certificate Insurers will indemnify you, during the Period of Insurance for which we have accepted your premium, up to the sums insured provided in respect of: