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Who Is Covered (Eligibility Criteria)
The policyholder, spouse (or co-habiting partner with whom you have lived for 6 months or more) all aged under 65 years at date of departure and their dependant children, aged 18 years or under, all normally resident with the insured, spouse (or co-habiting partner with whom you have lived for 6 months or more).

Cover is only available to people resident in the United Kingdom(for a minimum of 6 months) and is valid for trips starting in and returning to the United Kingdom.

What Is Covered
This policy wording together with the Validation Slip forms the basis of your contract of insurance. It is very important that you carefully read the terms, conditions and exclusions of this insurance to ensure that you are properly covered for your planned trip. It is your duty to inform us of any fact which is likely to influence us in the acceptance, assessment or continuance of this insurance. Failure to do so may invalidate this insurance, leaving you with no right to make a claim. You are covered for:

Single-Trip Policies
1. any trip of up to 120 days duration (except in respect of winter sports) for which the appropriate premium has been paid
2. winter sports for up to 31 days duration for which the appropriate premium has been paid

Annual Multi-Trip Policies
1. any trip of up to 31 days duration (except in respect of winter sports where the maximum number of days per annum is 17 days) for which the appropriate premium has been paid
2. Up to 60 days travel in total during any one policy year

Insurers
This insurance is underwritten by AIG UK Limited which is authorised and regulated by the Financial Services Authority (FSA number 202628). This information can be checked by visiting the FSA website (www.fsa.gov.uk/register). AIG UK Limited is a member of the Association of British Insurers and a member company of American International Group, Inc. Registered in England: company number 1486260. Registered address: The AIG Building, 58 Fenchurch Street, London, EC3M 4AB.

Medical Conditions
All claims are excluded where, at the time of taking out this insurance, you or any person who your travel depends on:
A) is suffering from a medical condition which you knew about before you bought this insurance
B) has been given a terminal prognosis by a medical practitioner
C) is pregnant and expected to give birth prior to twelve weeks before the end of a booked trip
D) is travelling against the advice of a medical practitioner or travelling to receive medical advice or treatment
E) is on a hospital waiting list awaiting treatment.

Hazardous Activities
You may not be covered when you take part in certain sports or activities if there is a high risk you will be injured. If you are planning to participate in any such sports or activities you must check with Virgin Atlantic Airways that this insurance meets your needs.

Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our financial obligations. A claim under this contract of general insurance is covered for 100% of the first £2,000 and 90% of the remainder of the claim without any upper limit. Further information can be obtained upon request, by visiting the FSCS’s website at: www.fscs.org.uk or by writing to the following address: Financial Services Compensation Scheme, 7th Floor Lloyds Chambers, Portsoken Street, London E1 8BN

Important Notes
Under some sections there is an amount deducted in the event of a claim (an excess). This applies to each person making a claim.

The sums insured under each section apply to each person covered under this policy.

Cover is in respect of trips outside the United Kingdom only.

Cancellation cover will start from the inception date of your policy, or when you book your trip, whichever is the later.

All other sections will start when you leave your home or place of business whichever is the later to start your trip. The remaining areas of cover apply for the duration of the booked trip (or earlier return to the United Kingdom) including the period of travel from home directly to the departure point and back home directly afterwards (not exceeding 24 hours in each case).

A family shall mean an individual, their spouse or partner (as long as they have lived together for 6 months or more, unless otherwise accepted by us in writing) and up to 4 accompanying dependant children aged 18 or under.

A) Children on a Family Annual Multi trip policy only (visiting Immediate Relatives) can travel unaccompanied providing; They are accompanied to and from the airport (or other international departure point) and met at their destination by a responsible adult with the consent of the policyholder.

B) In the event you are travelling to a country outside the USA, but your journey involves a stopover (not more than 24 hours) in the USA prior to reaching your final destination cover under a 'worldwide excluding USA' will apply.

C) Please read the general conditions and exclusions.

24-Hour Emergency Service
AIG International Services will provide immediate help if you are ill or injured outside the United Kingdom or Channel Islands. They provide a 24-hour emergency service 365 days a year and you can contact them on:
Emergency Phone Number: (001) 800 381 5208 or (001) 713 260 5534
Emergency Fax Number: (001) 713 974 3422
(in case of difficulties please contact the local operator)

When you contact the AIG International Services, you will need to say that you hold a Virgin Atlantic travel insurance policy and give the following information: Your name. Your Address. Your Phone number. Your certificate number shown on your Validation Slip.



Claims Service
You must send any claim to Travel Claims Services Limited within 31 days of your trip ending. If you do not, we may not be able to pay your claim.

If you need to make a claim, please either write, phone or email with a brief description of your claim:
Travel Claims Services Limited
Maitland House
Warrior Square
Southend-on-Sea
Essex
SS1 2AA

Telephone No. 0845 603 9892
E-mail: claims@travelclaimsservices.com

Travel Claims Services Limited are open every weekday and will send you a claim form as soon as you tell them about your claim.

To help us prevent fraudulent claims, we store your personal details on computer and we may transfer them to a centralised system. We keep this information according to the rules of the Data Protection Act(s).

Hospital Treatment Abroad

If you go into hospital abroad, someone must contact AIG International Services immediately. If they do not, this could mean we will provide no cover or reduce the amount we pay for medical expenses.

Reciprocal Health Agreements ? In countries where reciprocal health agreements exist you should take all reasonable steps to follow them. For example, when you are travelling to a European Union Country, you should collect an application form for a European Health Insurance Card from your local post office or you can apply online at the following website: www.ehic.org.uk. (If you are travelling in Australia or New Zealand and require medical treatment, you must enrol with Medicare or equivalent. If you do not do this, we may not be able to pay your claim).

Replacement of Electrical Items, Photographic, Audio and Video Equipment
Insurers at their discretion have made special arrangements for your convenience to facilitate and replace lost or stolen electrical items, photographic, audio and video equipment subject to availability and validity of the claim.

Law
This insurance will be governed by the law of England and Wales unless we agree otherwise prior to the insurance starting.

Cooling-Off Period
If this cover is not suitable for you please contact Virgin Atlantic Airways within 14 days of the cover starting or the date on which you receive your Policy Wording and/or Validation Slip, whichever date is later. Subject to the conditions below, wewill refund all premiums paid within 30 days from the date you call us to request cancellation.

If you are a Single Trip policyholder we will however not refund yourpremium if before your request for cancellation within the 14 day period you have travelled or made a claim.

If you are a Multi-Trip policyholder and before your request for cancellation within the 14 day period you have travelled or made a claim, only a pro-rata amount of the premium will be refunded.

Please contact Virgin Atlantic Airways to obtain a refund.

Definitions
Whenever the following words appear in this policy wording they will always have these meanings:

Close business associate - Any person whose absence from business for one or more complete days at the same time as your absence prevents the effective continuation of that business.
Curtail/Curtailment - Return home early to the United Kingdom.
Home - Your residential address in the United Kingdom.
Immediate relative - 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-brother, or step-sister.
Money - Cash, travel tickets and passports held by you for social, domestic and/or pleasure purposes.
Personal accident - Bodily injury caused directly, independently and exclusively by an accident.
Personal baggage - Your suitcases (or similar luggage carriers) and their contents usually taken on a trip, together with articles worn or carried by you for your individual use during your trip.
Permanent Total Disablement - Disablement as a result of which there is no suitable business or occupation, which you are able to attend and which having lasted for a period of 12 months, is, at the end of that period, beyond hope of improvement.
Public Transport - Any fare-paying passenger on the following regular scheduled forms of transport: train, coach, taxi, bus, aircraft and sea vessel.
Redundancy - Any person being declared redundant under the normal retiring age for someone holding that person’s position, and who had been employed for two continuous years with the same employer at the time of being made redundant and who is eligible for payment under the current redundancy payment laws.
Terrorist Act - Any actual or threatened use of force or violence directed at or causing damage, injury, harm or disruption, or commission of an act dangerous to human life or property, against any individual, property or government, with the stated or unstated objective of pursuing economic, ethnic, nationalistic, political, racial or religious interests, whether such interests are declared or not. Robberies or other criminal acts, primarily committed for personal gain and acts arising primarily from prior personal relationships between perpetrator(s) and victim(s) shall not be considered Terrorist Acts. Terrorist Act shall also include any act which is verified or recognised by the (relevant) Government as an act of terrorism.
United Kingdom - England, Scotland, Northern Ireland, Wales, Channel Islands and Isle of Man.
Valuables - Watches, furs, jewellery, photographic equipment, binoculars, telescopes, spectacles, sunglasses, video equipment, camcorders and audio equipment including personal stereos, DVD & mini-disc players, CD’s, DVD's, videos, audiotapes, antiques, perfumes and precious stones.
War - Any war, whether declared or not, or any warlike activities, including use of military force by any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or other ends
We/us/our - New Hampshire Insurance Company
Winter Sports - Skiing, land-skiing, mono-skiing, cross-country skiing, heliskiing, off-piste skiing (only when accompanied by an official guide), snow boarding, ski boarding, snow mobile, sledging, luging, tobogganing or ice skating.
You/your - Each Insured person named on the Validation Slip.

GENERAL CONDITIONS

1. It is a condition of this insurance that all material facts have been disclosed to us. Failure to do so may invalidate this insurance, leaving you with no right to make a claim.
2. We may at any time pay to you our full liability under this insurance, after which no further payments will be made in any respect.
3. You must take all reasonable steps to recover any lost or stolen article.
4. If we require any medical certificates, information, evidence and receipts, these must be obtained by you at your expense.
5. In the event of a claim, if we require a medical examination you must agree to this. In the event of death, we are entitled to a post-mortem examination. The medical examination and post mortem would be at our expense.
6. If any claim is found to be fraudulent in any way, this insurance will not apply and all claims under all sections will be forfeited.
7. You must not make any payment, admit liability, offer or promise to make any payment without written consent from us.
8. We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit against any other party.
9. If at the time of making a claim there is any other insurance covering the same risk, we are entitled to contact that insurer for a contribution.

GENERAL EXCLUSIONS
You are not covered for any claim caused directly or indirectly by the following:

1. Suicide, self-inflicted injury, being under the influence of drink or drugs (unless prescribed by a doctor and not for the treatment of drug addiction), alcoholism, drug addiction, solvent abuse, wilful exposure to needless peril (unless you are trying to save another person's life).
2. Any claim arising or resulting from, a trip that you take or, any person who your travel depends on, if:
   i. the claim relates to a medical condition or any illness related to a medical condition which you knew about before you bought this insurance
   ii. you are travelling against medical advice
   iii. you are travelling to receive medical advice or treatment
   iv. you are on a hospital waiting list awaiting treatment
   v. you have been given a terminal diagnosis; or
   vi. you are pregnant and expected to give birth prior to twelve weeks before the end of the booked trip
3. All claims in respect of persons not satisfying the eligibility criteria.
4. You being diagnosed as suffering from anxiety, mental strain, depressive illness of any type or any psychotic mental illness.
5. Sexually-transmitted diseases.
6. The cost of any elective (non-emergency) treatment or surgery, including exploratory tests which are not directly related to the illness or injury which necessitated your admittance to hospital.
7. Bankruptcy/liquidation or default of a tour operator, travel agent, transportation or any other company, firm or person.
8. Consequential losses of any kind.
9. Loss or damage to any property and expense or legal liability, directly or indirectly caused by or contributed to or arising from:
   i. ionising radiation or radioactive contamination from any nuclear fuel or nuclear waste, which results in burning of nuclear fuel.
   ii. The radioactive toxic explosive or other dangerous properties of nuclear machinery or any part of it.
   iii. Pressure waves from aircraft and other flying objects travelling faster than the speed of sound.
10. Any payment which you would normally have made during your travels had nothing gone wrong.
11. War, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power.
12. The intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act.
13. Terrorist Act.
14. Civil commotion, lock-out, blockades, riots of any kind, actions of any government of any country or threat of such event
15. Air travel (other than as a fare-paying passenger on a regular scheduled airline or licensed charter aircraft).
16. Travelling on motorcycles over 125cc unless the driver holds a full valid UK licence for that machine and a safety helmet is worn.
17. A trip involving your manual work or hazardous occupation of any kind.
18. Professional or organised sports, racing, (other than on foot) speed or endurance tests, dangerous pursuits including practice or training for these events, winter sports (unless the appropriate premium has been aid).
19. Abseiling, bobsleighs, using skeletons, canyoning, unaccompanied dives and dives exceeding 30m in depth, flying except as a fare paying passenger, gliding, handgliding, hunting on horseback, jet-biking or jet-skiing, motor sport, mountaineering or rock climbing, ordinarily necessitating the use of picks, ropes or guides, parachuting, pot holing.
20. Taking part in dangerous expeditions or the crewing of a vessel outside European coastal waters.
21. Loss of damage caused by any government, public or local authority legally taking or damaging your property.
22. A business trip involving manual labour.
23. An unaccompanied child whilst on a school trip.
24. Failure to satisfy the conditions necessary in order for a child to travel unaccompanied.

Section 1 Cancellation
Covered

You are covered up to £5,000 for loss of travel and accommodation expenses, which were cancelled before you were due to leave your home 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 (and your request to defer has been rejected), attending court as a witness (but not as an expert witness), or redundancy;
3. your home or place of business being made uninhabitable within 48 hours of travel, or the police asking to see you after theft from your home which occurred within 48 hours of travel;
4. your compulsory quarantine.

Not covered

1. the first £50 of any incident. This applies to each person making a claim;
2. 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;
3. any costs recoverable from another source;
4. failure to obtain the required vaccinations, inoculations, passport or visa's.
5. anything mentioned in the General Exclusions.

Section 2 Curtailment
This section includes the services of the AIG International Services who must be contacted immediately in the event of a serious injury, illness or hospitalisation, or where repatriation has to be considered.

The 24-hour Assistance telephone number is shown on your Validation Slip.

Covered

You are covered up to the sum insured stated in the Summary of Cover for the value of the portion of your travel and accommodation expenses, calculated from the date of your return to your home, which have not been used and which were paid before your departure from the United Kingdom.

You are also covered for reasonable additional travelling expenses (Economy Class) incurred by you for returning to your home earlier than planned due to a cause listed below:

1. accidental 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. your home or place of business being made uninhabitable or the police requesting your presence following a theft from your home;

Not covered

1. the first £50 of any incident. This applies to each person making a claim;
2. claims that are not authorised by AIG International Services.
3. additional expenses incurred which are not authorised by AIG International Services;
4. unused prepaid travel tickets where repatriation has been arranged by AIG International Services;
5. if you have to cut short your trip and you do not return to the United Kingdom;
6. anything mentioned in the General Exclusions.

NOTE: It is a requirement of this insurance that you contact AIG International Services immediately if you wish to return home for any of the reasons listed above or by any method other than as originally planned. Failure to do so may affect your claim.

Section 3 Emergency Medical Expenses (not private health insurance)
If you are admitted to hospital as an in-patient, AIG International Services must be notified immediately.

AIG International Services will deal direct with the hospital and arrange the payment of any bills if required. Repatriation by specially equipped air ambulance will be available where medically necessary.

If you receive out-patient treatment, 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 AIG International Services for help.

The 24-hour Assistance telephone number is shown on your Validation Slip.

Covered

You are covered up to the sum insured stated in the Summary of Cover for costs incurred outside the United Kingdom for:

1. emergency medical and surgical treatment and hospital charges authorised by AIG International Services;
2. emergency dental treatment, to relieve pain only, limited to £150;
3. reasonable and necessary additional accommodation (room only) and travelling expenses (Economy Class), including those of one relative or friend if you have to be accompanied home on medical advice or if you are a child and require an escort home;
4. in the event of death, reasonable cost for the conveyance of the body or ashes to the United Kingdom or funeral expenses abroad limited to £2,500;

Not covered

1. the first £50 of any incident. This applies to each person making a claim;
2. any sums which can be recovered by you 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 AIG International Services;
4. any expenses incurred for illness, injury or treatment required as a consequence of:
   a) Surgery or medical treatment which in the opinion of the attending doctor and AIG International Services can be reasonably delayed until your return to the United Kingdom;
   b) Medication and/or treatment which at the time of departure is known to be required or to be continued outside the United Kingdom;
   c) any extra costs after AIG International Services deem you are fit to be returned to the UK.
5. the cost of any elective (non-emergency) treatment or surgery, including exploratory tests which are not directly related to the injury or illness, which necessitated your admittance to hospital;
6. claims that are not confirmed as medically necessary by the attending doctor or AIG International Services. The decision of AIG International Services is final and binding.
7. any additional hospital costs arising from single or private room accommodation unless medically necessary and approved by AIG International Services;
8. treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre;
9. any expenses for treatment or surgery carried out more than 12 months after the date of the incident which you are claiming for;
10. any treatment or medication of any kind that you receive after you return to the United Kingdom;
11. anything mentioned in the General Exclusions.

Section 4 Personal Accident
Covered

You are covered up to the sum insured stated in the Summary of Cover in respect of the loss of one or more limb(s), the complete and irrecoverable total loss of sight, permanent total disablement or death (which will be paid to your legal representative), 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 death or disability.

NOTE: If you are aged under 16 years at the time of the accident, the death benefit will be limited to funeral and other expenses up to a maximum of £1,000.

We will only pay the benefit for permanent total disablement if your registered doctor or specialist confirms that you cannot do any paid 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.

Not covered

1. Death or disablement directly or indirectly consequent upon any physical defect or infirmity which existed prior to bodily injury.
2. Wilful exposure to needless peril except where attempting to rescue endangered persons.
3. Anything mentioned in the General Exclusions.

Section 5 Baggage & Personal Belongings
Covered

A) Personal baggage

Up to the sum insured stated in the Summary of Cover for the value or repair to any of your own baggage which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to:
a) £200 for any one item, pair or set of items
b) £200 for all valuables in total

NOTE: You must obtain written proof of the incident from the police or appropriate authority 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 turned down.

Not covered

1. the first £50 of any incident. This applies to each person making a claim.

B) Delayed Baggage

Up to the sum insured stated in the Summary of Cover for the cost of buying replacement necessities if your own baggage is delayed in reaching you on your outward journey for at least 24 hours and you have a written report from the carrier (i.e. airline, shipping company etc) or tour representative. Receipts will be necessary in the event of a claim.

NOTE: Any amount we pay you under B) Delayed Baggage, will be deducted from the final claim settlement if your baggage is permanently lost.

Not covered (section 5A and 5B)

1. where you do not exercise reasonable care for the safety and supervision of your property;
2. any item, pair or set of items with a value of over £50, if an original receipt, valuation report or other acceptable proof of ownership and value cannot be supplied to support your claim;
3. if your baggage is lost, damaged or delayed in transit and you do not:
   a) notify the carrier (i.e. airline, shipping company etc) immediately and obtain a written carrier's report (or Property Irregularity Report in the case of an airline); or
   b) follow up in writing within 7 days to obtain a written carrier's report (or Property Irregularity Report in the case of an airline) if you are unable to obtain one immediately.
4. loss, destruction, damage or theft of the following property:
   a) contact or corneal lenses, hearing aids, dentures and false body parts or other prostheses;
   b) antiques, precious stones that are not set in jewellery, glass or china, pictures, musical instruments;
   c) computer and/or accessories, mobile telephones, televisions;
   d) pedal cycles, dinghies, boats and/or ancillary equipment, vehicles or vehicle accessories (other than wheelchairs and pushchairs), household goods;
   e) perishable items such as food;
   f) valuables as checked-in baggage;
5. loss, destruction, damage or theft:
   a) due to confiscation or detention by customs or other officials or authorities;
   b) due to wear and tear, denting or scratching, moth or vermin or damage caused by any process of cleaning, repairing or restoring;
   c) due to leaking powder or fluid carried within the baggage;
6. mechanical breakdown or derangement, 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;
7. Sports equipment whilst in use including winter sports equipment unless the appropriate additional premium has been paid; sports gear or activity equipment.
8. Personal baggage stolen from:
   a) an unattended vehicle unless it was in a locked compartment 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.
   b) an unattended vehicle left for any period between the hours of 9pm and 9am.
9. any shortage due to error, omission or depreciation in value;
10. any property more specifically insured or recoverable under any other source;
11. stamps, documents, deeds, samples or merchandise, manuscripts or securities of any kind;
12. property left unattended in a public place;
13. anything mentioned in the General Exclusions.

Section 6 Money
Covered

You are covered up to the sum insured stated in 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. We will only pay up to £200 for cash and bank notes and up to £300 for costs associated with the replacement of your lost passport. Cover for cash is limited to £50 if you are under 16 years.

Not covered

1. the first £50 of any incident. This applies to each person making a claim.
2. if you do not exercise reasonable care in protecting your money and documents against loss, theft or damage;
3. if you do not obtain a written police report within 24 hours of the discovery in the event of loss, burglary or theft of money;
4. any shortages due to error, omission or depreciation in value;
5. Loss of passport if you do not report the loss to the Consular representative of your home country within 24 hours of discovery and obtain a report confirming the date of loss and the date on which a replacement passport was obtained.
6. anything mentioned in the General Exclusions.

Section 7 Disaster


Covered

We will pay up to £500 for the cost of providing other similar accommodation if your booked accommodation cannot be lived in because of a fire, flood, earthquake or storm.

Not covered

1. The first £50 of each claim for each person.
2. Any expenses that you can get back from any tour operator, airline, hotel or other provider of services.
3. Any expenses that you would normally have to pay during the period shown on your Validation Slip
4. Any claim resulting from you travelling against the advice of the appropriate national or local authority
5. anything mentioned in the General Exclusions

Special conditions

1. you must give us a written statement from an appropriate public authority confirming the reason and nature of the disaster and how long it lasted;
2. any event that results in a claim under this section was not known about before you left from your international departure point; and
3. you must give us evidence of all the extra costs you had to pay.

Section 8 Travel Delay


Note: This section does not apply for trips in the United Kingdomincluding connecting flights

Covered

You are covered if your outward or return pre-booked international flights, sea crossing, coach or train departure to or from the United Kingdom are delayed for more than 12 hours beyond the intended departure time (as specified on your travel ticket) as a result of:

a) adverse weather conditions;
b) mechanical breakdown or technical fault of the aircraft, coach, train or sea vessel then for a benefit of £20 per person following each complete 12 hours delay up to a maximum of £100;

NOTE: You must obtain written confirmation from the airline, shipping, coach or train company, stating the period and the reason for the delay.

Not covered

1. if you have not checked-in in sufficient time for your outward or return journey;
2. any claims arising from withdrawal from service temporarily or otherwise of the aircraft, coach, train or sea vessel on the order or recommendation of the Civil Aviation Authority or a Port Authority or similar body in any country;
3. internal flights which do not form part of your outbound or inbound internal journey to / from the United Kingdom;
4. anything mentioned in the General Exclusions.

Section 9 Personal Liability
Covered

You are covered up to the sum insured stated in 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, a travelling companion, or employed by you;
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.

NOTE: We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in Your name for our benefit against any other party. It is warranted that any incident leading to a claim is notified to the Insurer as soon as reasonably possible and you do not accept liability without the written consent of the Insurer.

Not covered

1. the first £150 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:
   a) liability which you incur as a result of an agreement that you made which would not apply in the absence of that agreement;
   b) injury, loss or damage arising from:
   i) ownership or use of aircraft, horse-drawn or mechanical/motorised vehicles, bicycles, water craft (other than rowing boats, punts or canoes), animals (other than horses, domestic dogs or cats) or weapons or firearms (other than guns being used for sport)
   ii) the occupation (except temporarily for the purpose of the trip) or ownership of any land or buildings
   iii) the carrying out of any trade or profession
   iv) racing of any kind
   v) any deliberate, criminal or illegal act.
4. liability covered under any other insurance policy wording;
5. anything mentioned in the General Exclusions.

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.

Section 10 Legal Expenses
Covered

You are covered up to the sum insured stated in the Summary of Cover for legal costs and expenses incurred in order to claim for compensation or damages if you are injured or you die during the period of your trip.

Please contact us in the first instance and obtain as much information as possible, including police reports, witness details and any photographs

NOTE: We shall have control over the legal proceedings and the selection, appointment and control of a solicitor.

Not covered

1. the first £150 of any incident
2. costs incurred in pursuit of any claim against a travel agent, tour operator, accommodation provider, carrier, New Hampshire Insurance Company or their agents;
3. legal expenses incurred either prior to the granting of support by us or without our written consent;
4. any claim reported to us more than 90 days after the commencement of the incident giving rise to the claim;
5. any claim where we consider that your prospects of success in achieving a reasonable benefit are insufficient;
6. anything mentioned in the General Exclusions.

Section 11 Additional Winter Sports Cover (Valid if appropriate premium has been paid)
Covered

i. Winter Sports Hire
Up to the sum insured stated in the Summary of Cover for the reasonable cost of hiring Winter Sports equipment for the rest of your trip or until your own winter sports equipment has been returned to you, if:

a) your equipment is lost or broken; or
b) your equipment is delayed for at least 12 hours on your outward journey.

NOTE: Winter sports equipment is deemed to include skis, snowboards, ski bindings, ski poles and ski boots.

ii. Piste Closure
If during the period of your stay, skiing at the resort that you had pre-booked is not available due to a lack of snow or excessive snow or avalanche conditions, then we will pay:

a) up to £15 per day towards transport costs to reach another resort;
b) compensation of £25 per full day if skiing is unavailable due to the total closure of all on-piste skiing activity.

Not covered (in respect of Section 11ii)

1. losses occurring at resorts less than 1000 metres above sea level.
2. if you buy this insurance within 14 days of the date you plan to travel and you know about any reason that could cause you to claim under this section, we will not provide cover for you.

iii. Avalanche Cover
We will pay up to the amount shown in the Summary of Cover for reasonable extra Travel and accommodation expenses that you need to pay if your pre-booked outward or return journey is delayed for more than 12 hours from your scheduled arrival or departure time because of an avalanche.

NOTE: It is a condition of cover provided under this section that:

1. You get a written statement from the appropriate authority confirming the reason for the delay and how long it lasted.

Not Covered (in respect of Section 11iii)

1. The first £50 of any incident.

iv. Ski Pack
We will cover you for a proportion of your ski pack (if you have already paid and can’t get the money back) if you are ill or injured while you are on holiday and you are medically certified as being unable to use it. Ski pack consists of ski school, ski hire and the cost of any lift pass. The most we will pay for each insured person is £200 a week and no more that £400 altogether.

Complaints Procedure
Every effort is made to ensure you receive a high standard of service. If you are not satisfied with the service that you receive, you should contact:

In relation to general matters:
Customer Relations Department
Virgin Atlantic Airways Ltd
The Office
Manor Royal
Crawley
RH10 2NU

In relation to claims:
The Managing Director
Travel Claims Services Limited
Maitland House
Warrior Square
Southend-on-Sea
Essex
SS1 2AA

We will do our best to resolve any difficulty directly with you, but if we are unable to do this to your satisfaction you may be entitled to refer any dispute to the Financial Ombudsman Service who will review your case:

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR.

Tel: 0845 080 1800.