Principal Exclusions
General
- The first £40 of each claim with the exception of the liability, air rage, travel delay and personal accident/injury benefits
- Any expenses which you would have incurred in the normal course of your trip
- Any consequence arising directly or indirectly from the transmission of Human Immunodeficiency Virus (HIV) and/or any HIV related illness
- Any claim arising from suicide, self injury, alcohol or drugs or any wilful exposure to needless peril
The following Dangerous Sports are excluded:
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; skiing or snowboarding; 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*
Globetrotter = if cover period over three months, skiing covered on an occasional basis.
Activities marked * can be covered by our Activity policy, and those marked ** by our Winter Sports policy
Medical and Personal Accident
- Pregnancy or childbirth
- Any treatment that could reasonably be delayed until your return home
- Cosmetic surgery, chiropratic treatment, osteopathy or vaccinations
- Any expenses incurred in the UK
- Mental or nervous illness
- If you travel against the advice of a medical practitioner
- Any condition for which diagnosis or treatment has been received during the previous 12 months
Luggage
- Money, except on the comprehensive policy
- Any single item worth more than £200 (essential) or £300 (comprehensive), and total valuables of £250 (essential) or £350 (comprehensive)
- Sports equipment in use
- Unattended valuables, 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
Hijack/Hostage
- Claims for being a hostage unless you have been missing for more than 1 month
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