Principal Exclusions
General
- The first £40 of each claim with the exception of the liability, air rage, travel delay and personal accident and injury benefits is excluded.
The following dangerous sports are excluded from this policy:
Base jumping; big foot skiing**; bobsleigh/skeleton/luge**; bouldering*; canyoning*; cliff diving; competitions*; expeditions or trekking*; free climbing; glacier crossing*; heliskiing**; hunting or shooting of any kind; ice caving; ice hockey**; motor rallying*; mountaineering or outdoor rock climbing*; overlanding*; piloting an aircraft*; polo*; power boating*; professional sports; safaris using guns; scuba diving over 30m*; ski acrobatics; ski jumping; ski stunting; snow mobiles/skidoos**; snow shoeing**; solo pot holing; solo rock climbing; solo sea sailing; speed skating*; stunt flying and aerobatics; tobogganing**; yachting out of territorial waters*
Activities marked * can be covered by our Activity policy, and those marked ** by our Winter Sports policy
Medical and Personal Accident
- Pregnancy or childbirth
- Mental or nervous illness
- If you are travelling against the advice of a medical practitioner
- Any condition for which diagnosis or treatment has been received during the previous 12 months
Luggage
- Any single item worth more than £200 and total valuables of £150 (Gap year) or £250 (Gap year plus)
- Valuables unattended unless left with a travelling companion
- Cycles and contact lenses
Liability
- Liability for any business or professional activity
- Any claim related to dangerous sports
- Control or use of motorised vehicles, watercraft or aircraft
Cancellation
- You failing to allow sufficient time to reach your UK departure point
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