Policy Wording & Definitions

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SECTION A. CANCELLATION CHARGES

Refund of deposits which are not recoverable and any other amount which you are legally obliged to pay in respect of unused travel and accommodation costs and other prepaid charges (purchased prior to the date of departure from the United Kingdom and prior to any occurrence giving rise to a claim) in the event of unavoidable cancellation of the journey or trip as a result of any of the following occurring after the date of issue of this insurance:

1. (a) The accidental bodily injury to or illness or quarantine or death:
   (i) of yourself
   (ii) of your Travelling Companion
   (iii) of any person with whom you have arranged to stay.
   (b) The accidental bodily injury to or serious illness or death:
   (i) of any Close Relative residing in the United Kingdom
   (ii) of any Immediate Relative residing elsewhere in the World
   (iii) of your fiance(e)
   (iv) of any Close Business Associate in the United Kingdom
   of any Insured under this certificate.
   IMPORTANT All claims resulting from accidental bodily injury, illness, quarantine or death must be supported by medical report(s) and/or death certificate as applicable.
   
2. You or your Travelling Companion being summoned for Jury Service or called as a witness in a Court of Law during the Period of Insurance.
   
3. You or your spouse being made redundant and certified as being such by the Employment Service.
   
4. (a) Your Home Address becoming uninhabitable following fire, storm or flood.
   (b) Your presence being required by the Police following burglary at your Home Address or place of business.

LIMIT OF AMOUNT PAYABLE
The total amount payable in respect of each Insured is up to the amount stated in the Schedule of cover.

WHAT IS NOT COVERED
Exclusions are listed after Section E and under the General Exclusions.

SECTION B. EMERGENCY MEDICAL AND ASSOCIATED EXPENSES

1. Expenses itemised below if you suffer accidental bodily injury, illness or death during the Period of Insurance.
   (a) Emergency medical, surgical or hospital treatment (including rescue services to take you to).
   (b) Emergency dental treatment for the immediate relief of pain only up to a limit of £200.
   (c) Costs of burial or cremation in the country abroad where your death occurred up to a limit of £2,500 plus the cost of conveying the ashes to your Home Address.
   (d) Costs of transporting your body to your Home Address.
   (e) Reasonable additional charges for accommodation of a similar standard to the accommodation which was enjoyed for the duration of the journey or trip if available if it is necessary for you to stay beyond the intended return date and travel expenses which you have to pay to get back to your Home Address if you cannot use your return ticket.
   
2. Expenses incurred in the repatriation of the Insured to their Home Address if it is medically necessary following accidental bodily injury or illness during the Period of Insurance.

Items 1(e) and 2 include the reasonable travel and accommodation expenses of any one relative or friend who is required on medical advice to travel to, remain with or accompany you.

LIMIT OF AMOUNT PAYABLE
The total amount payable in respect of each Insured shall not exceed the amount stated in the Schedule of cover. In respect of Item 1(a), 1(b) and 1(c) We shall only pay for costs incurred while you are abroad during the Period of Insurance unless your homeward journey cannot be completed before the expiry of the Period of Insurance, in which case the Extension of Period of Insurance clause automatically applies.

SPECIAL CONDITIONS
It is a condition precedent to any liability under this insurance that immediate notice must be given to FOGG ASSIST of any illness or injury which necessitates admittance to hospital as an in-patient or before any arrangements are made for repatriation.

1. 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

WHAT IS NOT COVERED
Exclusions are listed after Section E and under the General Exclusions.

SECTION C. HOSPITAL INCONVENIENCE EXPENSES

If the Insured is admitted as an in-patient to a hospital licensed for surgery abroad due to accidental bodily injury or illness sustained during the Period of Insurance an amount for incidental expenses will be paid in addition to any medical expenses covered under Section B.

LIMIT OF AMOUNT PAYABLE
We will pay an amount of £20 for every complete 24 hour period you are hospitalised. The total amount payable in respect of each Insured is up to the amount stated in the Schedule of cover.

WHAT IS NOT COVERED
Exclusions are listed after Section E and under the General Exclusions.

SECTION D. ABANDONMENT OF JOURNEY OR TRIP

1. Proportionate refund of unused travel and accommodation costs or charges (purchased prior to the date of departure from the United Kingdom and prior to any occurrence giving rise to a claim)
   (a) the event of abandonment of the journey or trip where it is medically necessary as a result of any of the following occurring after the commencement of the journey or trip:
   (i) The accidental bodily injury to or illness or quarantine or death:
   (a) of yourself
   (b) of your Travelling Companion
   (c) of any person with whom you have arranged to stay.
   (ii) The accidental bodily injury to or serious illness or death:
   (a) of any Close Relative residing in the United Kingdom
   (b) of any Immediate Relative residing elsewhere in the World
   (c) of your fiance(e)
   (d) of any Close Business Associate in the United Kingdom
   of any Insured under this certificate.
   (b) In the event of the insured becoming an in-patient in hospital as a result of any accidental bodily injury or illness occurring after the commencement of the journey or trip
   IMPORTANT All claims resulting from accidental bodily injury, illness, quarantine or death must be supported by medical report(s) and/or death certificate as applicable.
2. Reasonable additional travel and accommodation expenses which you incur if it is necessary for you to return to your Home Address (and you cannot use your return ticket) due to the accidental bodily injury to or serious illness or death of a Travelling Companion; or
   (i) any Close Relative, fiance(e) or Close Business Colleague of yours (or of a Travelling Companion) not travelling with you and resident in the United Kingdom or
   (ii) Your Home Address becoming uninhabitable following fire, storm or flood or
   (iii) Your presence being required by the Police following burglary at your Home Address or place of business.

Item 1(a) includes the reasonable travel and accommodation expenses of any one relative or friend who is required on medical advice to travel to, remain with or accompany you.

LIMIT OF AMOUNT PAYABLE
The total amount payable in respect of each Insured is up to the amount stated in the Schedule of cover.

WHAT IS NOT COVERED
Exclusions are listed after Section E and under the General Exclusions.

SECTION E. PERSONAL ACCIDENT

Bodily injury suffered by you during the Period of Insurance caused by accident resulting solely and independently of other causes in death or disablement. The benefits shown below will be paid to you or your legal personal representative.
Up to Age 15 Age 16 years Age 66 years years inclusive to 65 years and over
Item 1 Death £1,000 £10,000 £1,000
Item 2 Loss of one or more limbs and/or total loss of sight in one or both eyes £15,000 £15,000 £15,000
Item 3 Permanent TOTAL disablement after 104 weeks except when compensation is paid under Item 2 £15,000 £15,000 NIL

SPECIAL CONDITIONS APPLYING TO SECTION E
1. Death or disablement must occur within one year of the injury.
2. Benefit shall not be payable under more than one item and any such payment shall end this section of the Certificate in respect of the Insured concerned.
3. The Permanent Total Disablement Benefit is limited to 50% if not employed for the six months prior to the departure date of the trip in which the accident occurred.
4. Permanent Total Disablement claims may be subject to the Continental Scale of Benefits

EXCLUSIONS TO SECTIONS A, B, C, D, E and M

1. We shall not make any payment in respect of a medical condition of any Insured where the Insured travelled against the advice of a qualified medical practitioner or would be travelling against the advice of a qualified medical practitioner had advice been sought.
   
2. We shall not make any payment in respect of a medical condition of any Insured for which (at the time of purchasing insurance) the Insured:
   a) is receiving in-patient treatment or is on a waiting list for in-patient treatment
   b) has received a terminal prognosis
   c) is intending to obtain medical treatment during the Period of Insurance.
   d) has suffered from, received medication, treatment or advice for that illness/infirmity in the last 12 months prior to issue of this certificate, unless declared to Insurers via Fogg Travel and accepted in writing by them'
   
3. We shall not make any payment in respect of a medical condition of any Insured for:
   a) any expenses or fees for any in-patient treatment or repatriation which have not been notified to and authorised by Insurers or the Assistance Company
   b) the cost of any elective treatment or surgery, including exploratory tests, which are not directly related to the illness or injury which necessitated the Insured’s admittance into hospital
   c) any form of treatment which in the opinion of the doctor in attendance and Insurer’s medical advisers can reasonably be delayed until the Insured returns to the United Kingdom
   d) cosmetic surgery
   e) medication, which at the time of departure is known to be required or to be continued outside the United Kingdom
   f) any additional costs arising from single or private room accommodation
   g) treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre
   h) emotional disorders
   i) any treatment after the Insured has returned to the United Kingdom or normal country of residence.
   j) any Cancellation or Curtailment claims arising from the illness/infirmity of a Close Relative, Immediate Relative, Close Business Associate, Travelling Companion or Person with whom you have arranged to stay, who has suffered from, received medication, treatment or advice for that illness/infirmity in the last 12 months prior to issue of this certificate, unless declared to Insurers via Fogg Travel and accepted in writing by them'
   
4. We shall not make any payment in respect of your death, injury, illness or disablement resulting from:
   a) any psychological or mental disorder, depression, stress or anxiety, suicide or self-inflicted injury
   b) or arising in connection with pregnancy or childbirth where the expected date of birth is before, or within 12 weeks of, the expiry of the Period of Insurance
   c) flying or other aerial activities except while travelling in an aircraft as a passenger
   d) motor cycling as a driver or passenger
   i) on machines exceeding 125 cc engine capacity: and/or
   ii) where the Insured as a driver does not hold a full United Kingdom motor cycle licence
   e) mountaineering or rock climbing ordinarily necessitating the use of ropes or guides, bungee jumping, scuba diving below 9 metres, pot-holing or organised team sports
   f) engaging in or practising for speed or time trials, sprints or racing of any kind
   g) manual work of any kind
   h) winter sports or the use of dry ski slopes
   i) participation in expeditions or the crewing of a vessel from one country to another.
   5. We shall not make any payment for Cancellation arising from unemployment caused by or resulting from misconduct on the part of the Insured leading to dismissal or from resignation or voluntary redundancy or where a warning or notification of redundancy was given prior to the application for insurance.
   6. We shall not pay the first £50 of each claim per Insured in respect of Cancellation Charges, Emergency Medical and Associated Expenses and Abandonment Charges and the first £20 of each claim per Insured in respect of Loss of Deposits.
   7. We shall not make any payment for the Insured’s disinclination to travel or for the Insured’s loss of enjoyment during the journey or trip.
   8. We will not cover items listed within the General Exclusions.

Exclusions 4(c) to (i) do not apply to Cancellation and in respect of Abandonment they apply only to you.

SECTION F. BAGGAGE

1. Loss of or damage during the Period of Insurance
   (i) to personal effects (worn or carried as baggage)
   (ii) to personal baggage in your custody and control and taken by you on your journey.
   
2. If your baggage is temporarily lost in transit on any leg of the outward journey from the United Kingdom and not restored to you within 12 hours We will pay you £50 for each full 12 hours this is not restored to you for the emergency purchase of essential replacement items, and supported by receipts, up to a maximum of £200 per Insured in any one Period of Insurance. You must obtain written confirmation from the Carrier of the number of hours delay. If the baggage proves to be permanently lost the overall baggage sum insured shall apply.

LIMIT OF AMOUNT PAYABLE
The total amount payable in respect of each Insured is up to the amount stated in the Schedule of cover and within which the maximum sums insured stated shall apply in respect of any single article, pair or set of articles and/or overall in respect of Valuables

SPECIAL CONDITIONS APPLYING TO SECTION F

1. You must, at all times, take reasonable precautions to ensure the safety and supervision of your property. If it is lost or damaged while in the care of a transport company, authority or hotel you must report to them, in writing, details of the loss or damage and obtain written confirmation.
   If baggage is lost or damaged by an airline you must:
   a) obtain a Property Irregularity Report
   b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (and retain a copy)
   c) keep all travel tickets and tags for submission if a claim is to be made under this certificate.
2. Reasonable precautions must, at all times, be taken to ensure the safety and supervision of your Baggage and you should take all practicable steps to recover Baggage lost or stolen.

WHAT IS NOT COVERED
Exclusions are listed after Section G and under the General Exclusions.
NOTE This certificate is a certificate of indemnity and does not provide cover on a ‘new for old’ basis.

SECTION G. PERSONAL MONEY

Loss of cash, travellers’ cheques, letters of credit, travel tickets, hotel vouchers, passports and green cards held by you for social and domestic purposes during the Period of Insurance.

LIMIT OF AMOUNT PAYABLE
The total amount payable in respect of each Insured is up to the amount stated in the Schedule of cover and within which the maximum sum stated payable for cash or banknotes.

SPECIAL CONDITION APPLYING TO SECTION G
Reasonable precautions must, at all times, be taken to ensure the safety and supervision of your Personal Money and you should take all practicable steps to recover Personal Money lost or stolen.

EXCLUSIONS TO SECTIONS F, G, L and N

The certificate does not insure:

1. cracking, scratching or breakage of glass (other than lenses in cameras, binoculars, telescopes or spectacles), china or similar fragile articles
   
2. pedal cycles, contact lenses, medical and dental fittings, mobile phones and/or accessories
   
3. wear and tear, depreciation, deterioration or damage by moth, vermin or by any process of cleaning, repairing or restoring
   
4. loss of Baggage, Valuables and Personal Money, Business Equipment, Golf Equipment and Hired Golf Equipment not reported to the Police within 24 hours of discovery and a written Police report obtained
   
5. breakage of sports equipment while in use (but not including Golf Equipment or Hired Golf Equipment if the appropriate extension premium has been paid and shown on your certificate schedule).
   
6. household goods and anything shipped as freight
   
7. delay, detention, seizure or confiscation by Customs or other officials
   
8. items used in connection with your employment or occupation (unless the appropriate business extension premium has been paid and the extension is shown on your certificate schedule, but not including business samples, merchandise)
   
9. bonds, securities or documents of any kind
   
10. loss or damage of Valuables and Personal Money in a suitcase while in transit by air and outside your control
    
11. loss, theft or damage to jewellery, watches, precious metals or stones, unless such a loss is as a result of mugging or involves any form of physical violence to you
    
12. loss of Valuables, Personal Money, Business Equipment unless at all times they are attended by You or deposited in a safe or safety deposit box where available or left in Your locked personal holiday or journey accommodation
    
13. loss of Baggage (but not Valuables), Business Equipment, Golf Equipment, Hired Golf Equipment from an unattended vehicle unless
    a) secured in the locked boot of the locked vehicle or
    b) contained in the luggage space at the rear of a locked Estate car or locked Hatchback under a top cover and out of view
    
14. shortages due to error omission or depreciation in value
    
15. the first £50 of each claim per Insured under the Baggage, Money, Golf Equipment sections except in respect of temporary loss of baggage or Ski Equipment on the
    outward journey
    
16. the first £75 of each claim per Insured under the Business Equipment section.
    
17. items listed within the General Exclusions.

SECTION H. PERSONAL LIABILITY

All sums which you become personally legally liable to pay in the event of:
1. death or bodily injury of any person
2. loss of or damage to property arising from an accident occurring during the Period of Insurance.

LIMIT OF AMOUNT PAYABLE
The total amount payable for all claims made against you arising from any one occurrence is the amount stated in the Schedule of cover. We will also pay any extra costs and expenses awarded against you or incurred by you with our written consent.

SPECIAL CONDITION RELATING TO SECTION H
It is warranted that no liability shall be admitted and no admission, arrangement, offer, promise or payment shall be made by you without our written consent. We shall be entitled, if we so desire, to take over and conduct (in your name) your defence of any claim or to prosecute for your own benefit any claims for indemnity, damages or otherwise against any third party. We shall have full discretion in the conduct of any negotiations, proceedings, or the settlement of any claims. You shall, wherever possible, give all such information and assistance as we require.

WHAT IS NOT COVERED

1. Punitive and exemplary damages.
   
2. Liability arising from:
   (a) death or bodily injury of your employees or members of your family permanent resident with you
   (b) loss of or damage to property which belongs to or is under the control of you or a member of your family or household or a person employed by you
   (c) your trade, business or profession
   (d) the ownership or occupation of any land or building (other than occupation only of any temporary holiday accommodation, in which case the first £250 of each
   and every claim is excluded)
   (e) the ownership, possession or use of animals (other than domestic animals), firearms (other than sporting guns), mechanically propelled vehicles (but not including the use of a golf-buggy on a golf course hired and used by you during a round of a golf provided the appropriate premium has been paid and the golf cover extension is shown on your certificate schedule), vessels (other than manually propelled watercraft) or aircraft of any description
   (f) mountaineering or rock climbing ordinarily necessitating the use of ropes or guides, bungee jumping, scuba diving below 9 metres, pot-holing or organised team football, engaging in or practising for speed or time trials, sprints or racing of any kind, winter sports or the use of dry ski slopes.
   
3. The first £50 of each claim per Insured.
   
4. We will not cover items listed within the General Exclusions.

SECTION I. DELAYED DEPARTURE

Delay in departure of the ship or aircraft in which you are booked to travel departing from or returning to the United Kingdom. We will:

1. pay the sum of £20 for the first full 12 hours of delay and £40 for each subsequent full 12 hours of delay subject to a maximum payment of £200 in all per Insured if you are delayed in departing from the United Kingdom on your outward journey or if delay occurs at the point of departure on the initial leg of your return journey to the
   United Kingdom or
   
2. refund non-recoverable deposits and other pre-paid holiday charges up to a maximum amount stated in the Schedule of cover in respect of each Insured if after 24 hours delayed departure of the outward journey from the United Kingdom you choose to cancel the holiday.
   The period of delay will be calculated from the date and time of departure of the ship or aircraft from the International Port or International Airport specified in your itinerary.
   You must check in according to such itinerary and obtain written confirmation from the Carrier or their handling agents stating the actual date and time of departure and reason for such delay.

WHAT IS NOT COVERED
We shall not make any payment:

1. in respect of strike or industrial action existing or notified by declaration of intent at or prior to the date this insurance is purchased
   
2. under more than one item of this Section
   
3. under item 2 in respect of the first £50 of each claim per Insured
   
4. for items listed within the General Exclusions.

SECTION J. MISSED DEPARTURE

Additional accommodation and travel expenses necessarily incurred in reaching your overseas destination or returning to the United Kingdom should you fail to arrive at the International Port or International Airport in time to board the vessel or aircraft in which you are booked to travel on the initial international leg of the journey or trip as a result of:
(a) failure of pubic transport, or
(b) the vehicle in which you are travelling being the subject of an accident or breakdown.

LIMIT OF AMOUNT PAYABLE
The total amount payable in respect of each Insured is up to the amount stated in the Schedule of cover.

SPECIAL CONDITIONS

1. The Insured must take all reasonable steps to arrive in time at the departure port or airport as specified in the itinerary.
   
2. The Insured must supply a repairer’s report in the event of an accident or breakdown to the vehicle in which they are travelling.

WHAT IS NOT COVERED
We shall not make any payment for:

1. claims arising from strike, riot, industrial action or civil commotion in respect of which a warning has been given prior to the commencement of the planned journey/trip
2. items listed within the General Exclusions.

SECTION K. LEGAL EXPENSES AND ADVICE

1. Lawyers’ reasonable charges which you or your personal representatives have incurred to pursue a civil action to recover damages following your personal injury or death which occurred during the Period of Insurance and arising from the negligence of a third party during the Period of Insurance.
   
2. The Insured must notify claims within 30 days of return to the United Kingdom and must co-operate fully with the Insurer and provide all the evidence and information required to assess the claim at the Insured's own expense .Claims under this section should be notified in writing to Fogg Travel
   
3. If an acknowledgement is granted as per 2 above, we shall initially pay up to 5% of the limit of cover for legal costs incurred by you to determine the probability of success in obtaining reasonable compensation (this shall include an assessment of the legal liability of the potential defendant and the ability to collect damages from the potential defendant).
   
4. In the event that you are awarded compensation (by judgement or settlement), we shall be entitled to recover from you, any sums paid to you under any Section of this certificate on account of the same incident for which compensation is received

LIMIT OF AMOUNT PAYABLE
The total amount payable in respect of each Insured is up to the amount stated in the Schedule of cover.

WHAT IS NOT COVERED
This certificate does not insure:

1. Claims being made by You against another insured person, your travelling companion, family member or person in your employment or service
   
2. lawyers’ charges incurred to pursue claims against a Tour Operator, Travel Agent, Insurer, Insurer’s Agent or Carrier or any provider under a ‘Tour Operator’ package arrangement
   
3. lawyers’ charges incurred before the claims handlers have accepted the claim in writing on behalf of Insurers or in excess of those agreed
   
4. claims where there are no reasonable prospects of success or where in the reasonable opinion of the claims handlers the Insured is unlikely to obtain a significant financial benefit
   
5. claims where in the reasonable opinion of the claims handlers it will not be possible to repatriate damages from the country in question
   
6. incidental expenses such as travelling costs
   
7. lawyers’ charges which in the opinion of the claims handlers have been charged at an excessive level or any contingent fee arrangement between you and your legal representatives
   
8. the first £250 of each claim per Insured
   
9. professional costs and expenses incurred by the Insured on the contingency that the Insured’s proceedings are successful
   
10. any claim for legal costs and expenses incurred by us, on the contingency that Your action is successful
    
11. any claims made as a result of medical malpractice or incorrect medical procedure(s) performed or incorrect diagnosis made
    
12. items listed within the General Exclusions.

BUSINESS COVER EXTENSION

Only applicable if appropriate premium paid and the extension is shown on your certificate schedule

SECTION L. BUSINESS EQUIPMENT

Loss of or damage during the Period of Insurance to Business Equipment as defined (worn or carried as baggage) in your custody and control and taken by you on your journey.

LIMIT OF AMOUNT PAYABLE
The total amount payable in respect of each Insured is up to the amount stated in the Schedule of cover and within which the maximum sums insured stated shall apply in respect of any single article, and/or overall in respect of Business Equipment.

SPECIAL CONDITIONS APPLYING TO SECTION L

1. You must, at all times, take reasonable precautions to ensure the safety and supervision of your property. If it is lost or damaged while in the care of a transport company, authority or hotel you must report to them, in writing, details of the loss or damage and obtain written confirmation.
   If Business Equipment is lost or damaged by an airline you must:
   a) obtain a Property Irregularity Report
   b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (and retain a copy)
   c) keep all travel tickets and tags for submission if a claim is to be made under this certificate.
   
2. Reasonable precautions must, at all times, be taken to ensure the safety and supervision of your business equipment and you should take all practicable steps to recover your business equipment lost or stolen.

WHAT IS NOT COVERED
Exclusions are listed after Section G and under the General Exclusions.

NOTE: This certificate is a certificate of indemnity and does not provide cover on a ‘new for old’ basis.

SECTION M. ADDITIONAL PERSONAL ACCIDENT

Bodily injury suffered by you during the Period of Insurance whilst on your business trip only caused by accident resulting solely and independently of other causes in death or disablement. The benefits shown below will be paid to you or your legal personal representative.
Age 16 to 65 years
Item 1 Death £10,000
Item 2 Loss of one or more limbs and/or total
loss of sight in one or both eyes £15,000
Item 3 Permanent TOTAL disablementafter 104 weeks
except when compensation is paid under Item 2 £15,000

SPECIAL CONDITIONS APPLYING TO SECTION M

1. Benefit under this Section shall be paid in addition to any Benefit under Section E.
   
2. Death or disablement must occur within one year of the injury.
   
3. Benefit shall not be payable under more than one item and any such payment shall end this section and Section E of the Certificate in respect of the Insured concerned.
   
4. The Permanent Total Disablement Benefit is limited to 50% if not employed for the six months prior to the departure date of the trip in which the accident occurred.

GOLF COVER EXTENSION

Only applicable if appropriate premium paid and the extension is shown on your certificate schedule

SECTION N. GOLF EQUIPMENT

COVER UNDER THIS SECTION IS ON A REPLACEMENT BASIS NOT NEW FOR OLD

1. Permanent loss of or damage during the Period of Insurance to Golf Equipment (as defined herein) being the property of the Insured taken, sent in advance or purchased on holiday by the Insured for the intrinsic value or cost of repairs (whichever is the lesser).
   
2. If your Golf Equipment (as defined herein) is temporarily lost in transit on the outward journey and not restored to you within 12 hours We will pay for the hire of Golf Equipment up to £50 for each full day per Insured up to a maximum of £250 per Insured in any one Period of Insurance.
   If Your Golf Equipment proves to be permanently lost for which the Insured may claim under 1 of this section the overall Golf Equipment sums insured shall apply. You must obtain written confirmation from the Carrier of the number of hours delay. Any amount so paid under this Section will be deducted from any payment made under Section 1 of this Certificate in respect of the same incident. The Insured must submit to the insurers receipts for all items purchased.
   
3. Permanent loss of or damage during the Period of Insurance to Hired Golf Equipment (as defined herein) for which the Insured Person is responsible
   

LIMIT OF AMOUNT PAYABLE
The total amount payable in respect of each Insured is up to the amount stated in the Schedule of cover and within which the maximum sums insured stated shall apply in respect of any single article and/or overall in respect of Golf Equipment,

SPECIAL CONDITIONS APPLYING TO SECTION O
You must, at all times take reasonable precautions to ensure the safety and supervision of your property. If it is lost or damaged whilst in the care of a transport company, authority or hotel you must report to them, in writing details of the loss or damage and obtain written confirmation.
If Golf Equipment is lost or damaged by the airline you must:
a) obtain a Property Irregularity Report
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (and retain a copy)
c) keep all travel tickets and tags for submission if a claim is to be made under this certificate.

WHAT IS NOT COVERED
Exclusions are listed after Section G and under the General Exclusions.

NOTE This certificate is a certificate of indemnity and does not provide cover on a “new for old” basis.

SECTION O. GOLF COURSE CLOSURE

If as a direct result of adverse weather conditions occurring during the period of insurance the golf course that has been pre-booked by you is closed and you are unable to play golf for a period of no less than 24 hours, the Insurers hereby agree to pay an amount of £50 for each 24 hours you are unable to play golf in respect of that period beyond 24 hours as described above BUT not exceeding the Green Fees payable.

LIMIT OF AMOUNT PAYABLE
The total amount payable in respect of each Insured is up to the amount stated in the Schedule of cover.

WHAT IS NOT COVERED
The first 24 hours is excluded

SECTION P. INABILITY TO PLAY GOLF

If the Insured is prevented from playing Golf due to accidental bodily injury or the onset of illness sustained during the Period of Insurance and is medically certified as such compensation will be paid in addition to Unused Membership Fees covered under Section Q.

LIMIT OF AMOUNT PAYABLE
We will pay an amount of £50 for every complete 24 hour period you are prevented from playing golf. The total amount payable in respect of each Insured is up to the amount stated in the Schedule of cover.

WHAT IS NOT COVERED
Exclusions are listed after Section E and under the General Exclusions.

SECTION Q. UNUSED MEMBERSHIP FEES

Proportional return of the pre-paid Annual UK Golf Club Fees following injury of the Insured occurring during the period of insurance for the period medically certified which injury prevents the Insured from participating in Golf for a period of no less than 7 full days.

LIMIT OF AMOUNT PAYABLE
The total amount payable in respect of each Insured is up to the amount stated in the Schedule of cover.

WHAT IS NOT COVERED
The first 7 full days the injury was first medically certified.

GENERAL EXCLUSIONS WHICH APPLY TO THE WHOLE CERTIFICATE

This certificate does not insure:

1. Any consequence of War, Invasion, Act of Foreign Enemy, Terrorism Activity of any kind, Hostilities (whether War be declared or not) Civil War, Rebellion, Revelation,
   Insurrection or Military or Usurped Power.
   
2. Claims of whatever nature directly or indirectly caused by:
   a) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel
   b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component of such assembly
   c) pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
   
3. Death, injury, illness or disablement resulting from suicide or attempted suicide or exposure to danger which is reasonably foreseeable (except in an attempt to save human life), venereal infection or the influence or effect of intoxicating liquor or drugs (other than drugs taken under medical supervision and not for the treatment of drug addiction).
   
4. Any consequential loss other than as specified in the certificate.
   
5. Any one way trip.
   
6. Any claims arising, directly or indirectly, from or consisting of, the failure, or fear of failure or inability of any equipment or any computer program to recognise or correctly to interpret or process any date as the true or correct date, or to continue to function correctly beyond that date. This exclusion does not apply to the Emergency Medical and Associated Expenses, Hospital Inconvenience Expenses or Personal Accident Sections.
   
7. Any claim arising from any sexually transmitted disease, HIV (Human Immunodeficiency Virus), the fear of HIV and/or any HIV-related illness including AIDS and/or any mutant derivative or variations thereof however caused.
   
8. Any claims directly or indirectly occasioned by any criminal or illegal act committed by you or your travelling companion.
   
9. Any loss which has not been conclusively proven and amount thereof substantiated

CONDITIONS

1. Your duty
   a) You are not aware of any circumstances known at the time you purchase this Certificate which are likely to cause Cancellation or Abandonment of your holiday. This includes any existing sickness or injury of any relative which if this sickness or injury continued or deteriorated would mean you would have to cancel or abandon your holiday
   b) You must tell Us all facts which are likely to influence Us in the assessment or acceptance of your insurance. If you have any doubt what you need to tell Us please contact the intermediary who arranged this insurance for you or us.
   c) You must obtain medical advice prior to the holiday booking on the advisability of taking your holiday where medical treatment as a hospital in-patient has been received during the preceding 6 months. This includes a potentially serious illness or injury where any medical advice has been sought between purchasing this certificate and travelling. The Insured must obtain a medical certificate confirming Fitness to Travel.
   
2. No refund of premium shall be allowed after 14 days from the date of issue of this certificate.
   
3. You must take all reasonable steps to prevent and minimise loss.
   
4. You must notify Insurers in writing as soon as possible after any bodily injury illness, incident or unemployment or on the discovery of any loss or damage which may give rise to a claim under this certificate. You must also inform us if you are aware of any writ summons or impending prosecution. Every communication relating to a claim must be sent us without delay.
   
5. You, or any person acting for you, must not negotiate, admit or repudiate any claim without our written consent.
   
6. The Insured or the legal representative of the Insured must supply at their own expense information, evidence, details of household insurances and medical certificates required by Insurers.
   
7. Insurers reserve the right to require the Insured to undergo an independent medical examination at the expense of Insurers. We may also request, and will pay for, a post mortem examination if any Insured dies.
   
8. If at the time of any incident which results in a claim under this certificate, there is any other insurance covering the same loss, damage, expense or liability We will pay only our proportionate share. This condition does not apply to the Personal Accident or Hospital Inconvenience Expenses Sections.
   
9. Under the Business Equipment section We will not be liable in respect of any one claim where the event leading to the claim is insured by any other existing certificate or certificates, except in respect of any amount beyond that which is payable under such other certificate or certificates.
   
10. Insurers are entitled to take over and conduct in your name the defence or settlement of any Legal Action. We may also take proceedings at our own expense and for our own benefit, but in your name, to recover any payment We have made under the certificate to anyone else.
    
11. If you or anyone acting for you make a claim under this certificate knowing the claim to be dishonest or intentionally exaggerated or fraudulent in any respect, or if any false declaration or statement is made in support, we will not pay the claim and all cover under the certificate terminates.
    We reserve the right to notify the Police of any such claim.

WHAT TO DO IN THE EVENT OF A COMPLAINT

Fogg Travel and Insurers care about the service that we provide for our customers We make every effort to maintain the highest possible standards. Although we set ourselves high standards, if we do not meet your expectations and you are dissatisfied in some way, we would like to know. If you follow the guidelines below, your complaint will be dealt with in the most efficient way possible.
Any enquiry or complaint should be addressed in the first instance to:-

Fogg Travel Insurance Services Limited, The Hurst, Crow Hill Drive, Mansfield, Notts NG19 7AE
Telephone: 01623 631331 Fax: 01623 420450

If you are not satisfied with the way a complaint has been dealt with you may ask the Complaints and Advisory Department at Lloyd’s to review your case without prejudice to your rights in law. The address is:-

Complaints and Advisory Department, Lloyd’s, One Lime Street, London EC3M 7HA Telephone: 020 7327 1000

FINANCIAL SERVICES COMPENSATION SCHEME

"Lloyd's insurers are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if a Lloyd's insurer is unable to meet its obligations to you under this contract. If you were entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract. Further information about the Scheme is available from the Financial Services Compensation Scheme (7th floor, Lloyds Chambers, Portsoken Street, London E1 8BN) and on their website (www.fscs.org.uk).

IMPORTANT NOTE

United Kingdom law allows the parties to choose the law applicable to the contract. The contract will be subject to English law unless otherwise agreed.
This Insurance is administered by Fogg Travel Insurance Services Limited, who is authorised and regulated by the Financial Services Authority and whose FSA registered number is 307304. This can be checked at www.fsa.gov.uk/register.

This insurance is underwritten by the Association of Underwriters known as Lloyd’s led by Syndicate 5000. Their reference is PM61500U.
The cover is mediated by Besso Limited, known as the Coverholder, who is authorised and regulated by the Financial Services Authority and whose registered number is 309159.