Please choose a section from the topics below

Table of benefits for Single trip and Annual Multi-trip policies

Winter sports cover is only available if you pay the appropriate extra premium. If you have bought an Annual Multi-trip policy, cover is available for up to 17 days within the period of insurance.

*Excess

If you need to make a claim under certain sections listed in the table above, we will deduct the amount shown in respect of the policy excess from the sum we pay you for any valid claim. The excess will apply to each person claiming, and to each incident and to each section of the policy which a claim is made under. When dealing with claims under section A where policyholders are claiming for cancelling more than one trip due to one incident, an excess for each person claiming and for each trip will be deducted.

General Information about this Insurance

Please note: Terms shown in bold in this policy have the meanings given to them in the general definitions section on page 3.

Insurance providers

This insurance is arranged by Virgin Atlantic Airways and is underwritten by Chartis Europe Limited. Virgin Atlantic Airways is an appointed representative of Chartis Europe 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).Registered in England: company number 1486260. Registered address: The Chartis Building, 58 Fenchurch Street, London EC3M 4AB.

Your travel insurance

This policy wording along with yourpolicy schedule forms the basis of your contract of insurance. Together, these documents explain what you are covered for. The policy wording contains conditions and exclusions which you should be aware of. You must keep to all the terms and conditions of the insurance.

Please read this policy wording to make sure that the cover meets your needs and please check the details outlined within yourpolicy schedule to make sure that the information shown is correct.

Law

This insurance will be governed by English Law, and you and we agree to submit to the exclusive jurisdiction of the courts of England and Wales, unless you reside in Scotland, Northern Ireland or the Isle of Man, in which case the law applicable to that jurisdiction will apply and its courts will have exclusive jurisdiction.

Financial Services Compensation Scheme (FSCS)

We are covered by the FSCS. If we are unable to meet our financial obligations you may be entitled to compensation from the scheme, depending on the type of insurance and the circumstances of the claim.

For this type of insurance, 90% of your claim is covered, without any upper limit. Further information about compensation scheme arrangements is available at www.fscs.org.uk, and on 0207 892 7300, or 0800 678 1100.

How we use personal information

We are part of the Chartis Inc. international group of companies. By providing personal information to us, you give permission for your information to be used as described below. If you are providing personal information about another person, you confirm that you have that person’s permission to provide the information to us, and for it to be used in the same way.

Personal information (including sensitive information about health or medical condition) may be used by us and our group companies for a variety of purposes, including:

� insurance administration, including claims processing and payment;

� making decisions on whether to provide insurance cover;

� provision of assistance, advice and information on medical and travel issues;

� prevention and investigation of crime, including fraud and money laundering; and

� compliance with legal and regulatory requirements.

We may provide marketing information taking account of any preferences you have expressed to us.

Calls to us may be monitored or recorded for quality, training and security purposes.

For these purposes personal information may be shared with our group companies (these may include UNAT Direct Insurance Management Limited and Travel Guard EMEA Limited), healthcare professionals and our other service providers and agents.

To check information provided, and to detect and prevent fraudulent claims, information (including details of injuries) may be put on registers of claims and shared with other insurers. We are also required to register all third party claims for compensation relating to bodily injury to the UK Department for Work and Pensions. We may search these registers when dealing with claims to detect and prevent fraud. Personal information will be shared with other third parties if required by law.

If our business (or any part of it) is sold or transferred at any time, the information we hold may form part of the assets transferred although it will still only be used as described here.

We may transfer personal information outside of the European Economic Area for the above purposes, including for electronic storage. If we do so, we will ensure an appropriate level of protection for your information.

Individuals have the right to request a copy of the personal data that is held about them (for a small charge), and to ask for any inaccuracies to be corrected. Please e-mail: DataProtectionOfficer@chartisinsurance.com or write to Data Protection Officer, Legal Department, Chartis Europe Limited, The Chartis Building, 58 Fenchurch Street, London EC3M 4AB.

More details of how we use and share information are set out in our Privacy Policy which can be viewed at www.chartisinsurance.com/uk/privacypolicy or sent to you upon request.

If you have any questions

If you have any questions about the cover provided under this policy or you would like more information, please contact the Helpline on 0207 954 7898.

Important things you need to know about your policy before you travel

Health conditions
This policy contains conditions relating to your health, the health of people travelling with you and the health of others who might not be travelling with you but on whose health the trip may depend (this would include a relative or a close business associate). In particular, we do not cover medical problems which you or they had before the cover started. Please see general exclusion number 1 on page 4 for further details.

If your health changes after you purchase your policy, you must telephone 0207 954 7898 to make sure your cover is not affected. In some cases you may be asked to have additional conditions added to your policy or have cover excluded for any new or changing medical conditions. In the rare event that we are no longer able to provide cover or you are not willing to pay the additional premium, you can call us on 0845 603 9892 and submit a cancellation claim if you have already booked and paid for a journey which you have not yet made. Alternatively you can cancel your policy and we will refund you the unused portion of your premium as long as you have not travelled or are making a claim.

Health agreements

If you are travelling to a country in the European Union, you should take a European Health Insurance Card (EHIC) with you. Application forms to obtain an EHIC are available from your local post office or you can download an application form from the following website: www.ehic.org.uk. This entitles European citizens to benefit from the health agreements which exist between countries in the European Union.

If you are travelling to Australia or New Zealand and you need medical treatment, you should enrol with Medicare or the equivalent scheme of these countries. Further information is available from the following website: www.hic.gov.au

If you present your EHIC to the treating doctor or hospital if you need medical treatment within the European Union or you enrol with Medicare when travelling to Australia or New Zealand, this will save you paying the policy excess under section B1 (Medical and other expenses outside of the United Kingdom) if your medical costs are reduced as a result of using your EHIC or Medicare being involved.

Residency

You and all other persons insured on this policy must have your main home in the United Kingdom and have a UK National Insurance number and be registered with a doctor in the United Kingdom at the time you buy or renew this policy.

Channel Island residents must have their main home in the Channel Islands and be registered with a local doctor.

Sports and activities

You may not be covered when you take part in certain sports or activities. If you intend to take part in a sport or activity during your trip, please see page 10 for a full list of activities which are covered by this policy. If you have any questions or if you wish to take part in an activity not shown in the table on page 10, please contact the helpline on 0207 954 7898 before taking part to make sure that cover is provided.

Cancellations and refunds

Your right to cancel the policy within 14 days of purchase

If this cover is not suitable for you and you want to cancel your policy, you must contact Virgin Atlantic Airways by phoning 0844 209 7777 within 14 days of buying your policy or the date you receive your policy documents. In line with the conditions below we will refund the premium you have paid within 30 days of the date you contact Virgin Atlantic Airways to ask to cancel the policy.

If you are a Single Trip policyholder, we will not refund your premium if you have travelled or made a claim before you asked to cancel the policy within the 14-day period.

If you are an Annual Multi-Trip policyholder and you have travelled or made a claim before you asked to cancel the policy within the 14-day period, we will only refund a proportionate amount of your premium.

Our right to cancel the policy

We have the right to cancel this policy by giving at least 30 days notice in writing to the policyholder at their last known address. A pro rata refund of the premium paid will be made to the policyholder from the date we cancel the policy.

Cover options available

Trip options and durations

Single Trip

One trip of up to 120 days.

Annual Multi-Trip

This gives you cover to travel for up to 60 days during the period of insurance provided no single trip lasts longer than 31 days. Cover is also provided for up to 17 days in total for winter sports within the period of insurance.

Adults are entitled to travel independently. Children under 18 years of age are only entitled to travel separately to the main insured person if they are travelling with a relative, guardian or person with a legal duty of care, such as a school teacher if on a school trip or if they are travelling with the intention of meeting up with parents or relatives upon arrival at their destination.

Cover is only provided in the UnitedKingdom if you stay in accommodation which you have paid for in advance of the date you depart on your trip or if you have paid for public transport or air fares in advance of the date of departure to enable you to reach your destination in the United Kingdom. All trips within the United Kingdom must be for at least two nights away from where you usually live.

Please note:

� If you have arranged a Single Trip policy it does not matter how long you buy cover for. It ends when you return to the United Kingdom.

� If you travel for longer than the trip duration limits, cover will cease on the final day of the trip limit unless your trip cannot be completed within the period of insurance due to reasons beyond your control which fall within the conditions of this insurance.

Age limits

Single Trip

All insured persons must be 65 years of age or under at the date of buying this policy.

Annual Multi-Trip

All insured persons must be 65 years of age or under at the date of buying this policy.

Policy options

Individual

One person aged 18 years or over.

Family

An individual and his or her partner provided they live together and up to four of their dependent children (which can include fostered or adopted children) who are under 18 years of age at the date of buying this policy and are either in full time education or living with them.

Winter sports cover

For Single Trip policies you can buy cover for the duration of your trip.

Please see page 8 for a full list of winter sports activities which are covered by this policy.

Geographical areas

United Kingdom

England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man. Cover is only provided if you stay in pre-booked accommodation for at least two nights away from where you usually live.

Worldwide

Please note:

� No cover is provided under this policy for any trip in, to, or through Afghanistan, Cuba, Liberia or Sudan.

� No cover is provided for claims arising as a direct result of the situation highlighted by the Foreign and Commonwealth Office where you have travelled to a specific country or to an area where, prior to your trip commencing, the Foreign and Commonwealth Office have advised against all (but essential) travel.

Period of insurance

Cover under section A (Cancelling your trip) starts at the time you book the trip or pay the insurance premium, whichever is later. If you have arranged an Annual Multi-Trip policy, cover under section A (Cancelling your trip) starts at the time that you book the trip or the start date shown on yourpolicy schedule, whichever is later. For both types of policy cover under section A (Cancelling your trip) ends as soon as you start your trip.

Cover under all other sections starts when you leave yourhome address in the United Kingdom (but not earlier than 24 hours before the booked departure time) or from the start date shown on yourpolicy schedule, whichever is the later.

Cover ends when you return to yourhome address in the United Kingdom (but not later than 24 hours after your return to the United Kingdom) or at the end of the period shown on yourpolicy schedule, whichever is earlier.

Cover cannot start after you have left the United Kingdom.

Each trip must begin and end in the United Kingdom and does not include one-way journeys.

Important claim information

Medical and other emergencies

The Medical Emergency Assistance Company, Travel Guard, will provide immediate help if you are ill, injured or die outside the United Kingdom. They provide a 24-hour emergency service 365 days a year. The contact details are as follows:

Phone: (001) 800 381 5208 or (001) 713 260 5534

Fax: (001) 713 974 3422

Please have the following information available when you contact the Medical Emergency Assistance Company so that your case can be dealt with swiftly and efficiently:

� Your name and address;

� Your contact phone number abroad;

� Your policy number shown on yourpolicy schedule; and

� The name, address and contact phone number of your GP.

Please note: This is not a private medical insurance. If you go into hospital abroad and you are likely to be kept as an inpatient for more than 24 hours or if your outpatient treatment is likely to cost more than £500, someone must contact the Medical Emergency Assistance Company for you immediately. If they do not, we may provide no cover or we may reduce the amount we pay for medical expenses.

If you have to return to the United Kingdom under section C (Cutting your trip short) or section B (Medical and other expenses outside of the United Kingdom) the Medical Emergency Assistance Company must authorise this. If they do not, we may provide no cover or we may reduce the amount we pay for your return to the United Kingdom.

If you need to make a claim

You must register a claim by contacting the following company:

Travel Guard Claims Department

PO Box 60108, London SW20 8US

Phone: 0845 603 9892

Fax: 01273 376 935

E-mail: uk.claims@travelguard.com

Please note: All claims must be notified as soon as it is reasonably practical after the event which causes you to submit a claim. Late notification of a claim may affect our acceptance of a claim or result in the amount we pay being reduced.

The Travel Guard Claims Department are open Monday to Friday between 9am and 5pm. A claim form will be sent to you 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 in line with the conditions of the Data Protection Act.

Fraud

This contract of insurance is based on mutual trust. We provide cover and we assume that any claims you make are genuine. Our experience in handling claims enables us to detect many of those which are fraudulent and this includes those which are exaggerated. We investigate every claim and if we believe that a fraudulent claim is being made we will inform the police. This may result in criminal prosecution.

Customer service
Every effort is made to ensure you receive a high standard of service. If you are not satisfied with the service you have received, please contact:

In relation to sales and administration matters:

The Customer Services Manager

Customer Relations Department
Virgin Atlantic Travel Insurance
PO Box 2157
Shoreham by Sea
West Sussex
BN43 9DH

In relation to claims matters:

The Customer Care Manager
Travel Guard Claims Department
PO Box 2157
Shoreham by Sea
West Sussex BN43 9DH

Phone: 0845 603 9892
E-mail: uk.claims@travelguard.com

To help us deal with your comments quickly, please quote yourpolicy schedule/claim number and the insured person's name.

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. This will not affect your right to take legal action against us. The address is:

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Phone: 0845 080 1800

E-mail: complaint.info@financial-ombudsman.org.uk

General definitions

Wherever the following words or phrases appear in the policy wording they will always have the meanings shown under them. Please also refer to the section details on pages 7 and 8 for further definitions.

Business associate

Any employee whose level of responsibility in the business is such that if both you and they were absent from the business for a period of ten full working days or more this would have a detrimental impact on the running of the business.

Channel islands

Jersey, Guernsey, Alderney, Sark, Herm, Jethou, Brecqhou and Lihou.

Child/Children

A person who is under 18 years of age.

Doctor

A registered medical practitioner who is not you or related to you, who is currently registered with the General Medical Council in the United Kingdom (or foreign equivalent) to practice medicine.

Home

An insured person’s usual place of residence within the United Kingdom or Channel islands.

Insured Person

The person or persons shown on the schedule.

Manual labour

Work involving physical labour (which does not include office and clerical work, bar and restaurant work, music performance and singing, or fruit picking which doesn’t involve machinery).

Pair or set of items

Items of personal property which are substantially the same, complementary or designed to be used together.

Partner

A person who is either an insured person’s husband or wife, civil partner, fiancé or fiancée, boyfriend or girlfriend and who permanently lives at the same address.

Policyholder

The person who has paid for this policy and is shown on the schedule.

Policy schedule

The document showing details of the cover and which should be read with this policy.

Public transport

A bus, coach, ferry, sea-vessel or train operating according to a published timetable.

Relative

Your or yourpartner’s parent, brother, sister, child, grandparent, grandchild, step-parent, stepbrother, stepsister or next of kin.

Trip

Your holiday or journey starting from the time that you leave yourhome in the United Kingdom or Channel Islands or from the start date shown on your certificate of insurance, whichever is the later, until arrival back at your home address in the United Kingdom or Channel Islands.

Valuables and electronic/other equipment

Photographic, audio, video, electronic, electrical equipment (including cds, dvds, video and audio tapes and electronic games), MP3 players, computer equipment, binoculars, antiques, jewellery, watches, furs, silks, precious stones and articles made of or containing gold, silver or precious metals.

War

Military action, either between nations or resulting from civil war or revolution.

We, us, our

Chartis Insurance UK Limited.

You, your, yourself

An insured personal.

General conditions

The following conditions apply to all sections of this insurance.

1. You must tell us if you know about anything which may affect our decision to accept your insurance (for example, if you are planning to take part in a dangerous activity while you are on holiday). If you are not sure whether to tell us, let us know anyway.

2. You must take all reasonable steps to avoid or reduce any loss which may mean that you have to make a claim under this insurance.

3. You must give the Travel Guard Claims Department all the documents they need to deal with any claim. You will be responsible for the costs involved in doing this. For example, in the event of a cancellation claim you will need to supply proof that you were unable to travel, such as a medical certificate completed by your doctor.

4. You must help us get back any money that we have paid from anyone or from other insurers (including the Department for Work and Pensions) by giving us all the details we need and by filling in any forms.

5. If you try to make a fraudulent claim or if any fraudulent means or devices are used when trying to make a claim, this policy may become void and the premium you have paid may be forfeited. Any benefits already paid to you must be repaid in full.

6. You must agree to have a medical examination if we ask. If you die, we are entitled to have a post-mortem examination.

7. You must pay us back any amounts that we have paid to you which are not covered by the insurance, this could include any overpayments.

8. After a claim has been settled, any salvage you have sent into the Travel Guard Claims Department will become our property.

General exclusions

General exclusions apply to all sections of this policy. We will not cover the following.

1. Any claim where any of the following apply.

a. The claim relates to a medical condition or an illness related to a medical condition which you or any person who your trip depends on (this would include a relative or a close business associate) knew about before you bought this insurance. You must make sure you tell us about any change in the state of health of yourself, anyone travelling with you, a relative or close business associate occurring after you have bought this policy but before you travel. Please refer to the Health conditions section on page 2 of this policy wording for further details.

b. You are travelling against the advice of a medical practitioner.

c. You are travelling with the purpose of receiving medical treatment abroad.

d. You, a relative, business associate, a person who you have booked to travel with or a relative or friend living abroad who you had planned to stay with, are receiving or waiting for hospital investigation or treatment for any undiagnosed condition or set of symptoms at the time of purchasing this insurance and/or at the time of commencing travel.

e. You, a relative, business associate, a person who you have booked to travel with or a relative or friend living abroad who you had planned to stay with, have been given a terminal prognosis at the time of purchasing this insurance and/or before commencing travel.

2. Any claim relating to an incident which you were aware of at the time you took out this insurance and which could reasonably be expected to lead to a claim.

3. Any claim relating to any diagnosed psychological or psychiatric disorder, anxiety or depression which you or any person whose condition may give rise to a claim, have suffered from, required medication or treatment in the two years before you bought this insurance.

4. You are not covered under this policy for any trip in, to or through the following countries: Afghanistan, Cuba, Liberia or Sudan.

5. You are not covered under this policy if you are on any official government or police database of suspected or actual terrorists, members of terrorist organisations, drug traffickers or illegal suppliers of nuclear, chemical or biological weapons.

6. Any claim arising out of war, civil war, invasion, revolution or any similar event.

7. Any claim arising from civil riots, blockades, strikes or industrial action of any type (except for strikes or industrial action which were not public knowledge when you booked your trip).

8. Loss or damage to any property, or any loss, expense or liability arising from ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel or the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of it.

9. Any claim if you already have a more specific insurance covering this (for example, if an item you are claiming for under section F1 (Personal belongings and baggage) is a specified item on your household contents insurance policy).

10. Any claim arising as a result of your use of a two-wheeled motor vehicle unless:

a) as a passenger you wear a crash helmet and it is reasonable for you to believe that the driver holds a licence to drive the two-wheeled motor vehicle under the laws of the country in which the accident occurs (if such a licence is required under the laws of the country in which the accident occurs); or

b) as a driver you wear a crash helmet and you hold a licence which permits you to drive the two-wheeled motor vehicle under the laws of the country in which the accident occurs (if such a licence is required under the laws of the country in which the accident occurs).

11. Any indirect losses, costs, charges or expenses (meaning losses, costs, charges or expenses which are not listed under the headings 'What you are covered for' in sections A to M, for example, loss of earnings if you cannot work after you have been injured or the cost of replacement locks if your keys are stolen).

12. Any claim arising from the tour operator, airline or any other company, firm or person becoming insolvent, or being unable or unwilling to fulfil any part of their obligation to you

13. Any claim arising as a direct result of the situation highlighted by the Foreign and Commonwealth Office where you have travelled to a specific country or to an area where, prior to your trip commencing, the Foreign and Commonwealth Office have advised against all (but essential) travel.

14. Any claim arising from you being involved in any deliberate, malicious, reckless, illegal or criminal act.

15. Motor racing, rallying or vehicle racing of any kind.

16. Any claim involving you taking part in manual labour during your trip

17. Any claim involving you taking part in any sport or activity unless the activity has been authorised by us. Please see the Sports and activities section on page 2 and page 10 of this policy wording for further details.

18. Any claim relating to winter sports unless you have paid the necessary premium to extend your policy to provide cover for this.

19. Any claim arising from

� your suicide or attempted suicide; or

� you injuring yourself deliberately or putting yourself in danger (unless you are trying to save a human life).

20. Any claim arising directly or indirectly from using alcohol or drugs (unless the drugs have been prescribed by a doctor) or you are affected by any sexually transmitted disease or condition.

21. Any costs which you would have been liable to pay had the reason for the claim not occurred (for example, the cost of food which you would have paid for in any case).

22. Any claim arising as a result of you failing to get the inoculations and vaccinations that you need.

23. Any claim arising from you acting in a way which goes against the advice of a medical practitioner.

Sections of cover

Section A - Cancelling your trip

Please note: No cover shall be provided under this section if you have arranged a Single Trip policy and paid the reduced premium to delete cancellation cover.

What you are covered for under section A

We will pay up to the amount shown in the table of benefits for:

� travel and accommodation expenses which you have paid or have agreed to pay under a contract and which you cannot get back;

� the cost of excursions, tours and activities which you have paid for and which you cannot get back; and

� the cost of visas which you have paid for and which you cannot get back.

Please note: If payment has been made using frequent flyer points, airmiles, loyalty card points or the like, settlement of your claim will be based upon the lowest available published flight fare for the flight originally booked if they are non-transferable.

We will provide this cover if the cancellation of your trip is necessary and unavoidable as a result of the following.

1. You dying, becoming seriously ill or being injured.

2. The death, serious illness or injury of a relative, close business associate, a person who you have booked to travel with or a relative or friend living abroad who you had planned to stay with. The incident giving rise to the claim must have been unexpected and not something you were aware of when you took out this insurance. Please see General exclusion number 1d and 1e for further details.

3. You being made redundant, as long as you had been working at your current place of employment for a minimum continuous period of two years, and that at the time of booking the trip or the date you purchased this insurance cover, whichever is earlier, you had no reason to believe that you would be made redundant. This cover would not apply if you are self-employed or accept voluntary redundancy.

4. You or a person who you have booked to travel with being called for jury service (and your request to postpone your service has been rejected) or attending court as a witness (but not as an expert witness).

5. If the police or relevant authority need you to stay in the United Kingdom after a fire, storm, flood, burglary or vandalism to yourhome or place of business within seven days before you planned to leave on your trip.

6. If you are a member of the armed forces or police, fire, nursing or ambulance services which results in you having to stay in the United Kingdom due to an unforeseen emergency or if you are posted overseas unexpectedly.

7. If after the time you booked your trip or purchased your policy, whichever is later, the Foreign and Commonwealth Office advises against all (but essential) travel to your intended destination

8. If you become pregnant after the date you arranged this insurance cover (or booked your trip, whichever is earlier, if you are an Annual-Multi Trip policyholder) and you will be more than 26 weeks pregnant at the start of or during your trip. Or, if you become pregnant after the date you arranged this insurance cover and your doctor advises that you are not fit to travel due to complications in your pregnancy.

What you are not covered for under section A

1. The excess as shown in the table of benefits. The excess will apply for each trip that you have booked and for each insured person.

2. Cancelling your trip because of a medical condition or an illness related to a medical condition which you knew about and which could reasonably be expected to lead to a claim. This applies to you, a relative, business associate or a person who you are travelling with, and any person you were depending on for the trip.

3. You not wanting to travel.

4. Any extra costs resulting from you not telling the holiday company as soon as you know you have to cancel your trip.

5. You being unable to travel due to your failure to obtain the passport or visa you need for the trip.

6. Airport taxes and credit or debit card fees included in the cost of your holiday.

7. Costs which have been paid for on behalf of a person who has not taken out insurance cover with Virgin Atlantic Airways.

Claims evidence required for section A

� Policy schedule

� Proof of travel cost (confirmation invoice, travel tickets, unused excursion, tour or activity tickets)

� Cancellation invoice or letter confirming whether any refund is due

� A medical certificate which we will supply for the appropriate doctor to complete

� An official letter confirming: redundancy, emergency posting overseas, the need for you to remain in the United Kingdom

� Summons for jury service

Please note: We may require other evidence to support your claim dependent upon the circumstances.

Section B - Medical and other expenses outside of the United Kingdo

Please note: If you are admitted into hospital as an inpatient for more than 24 hours someone must contact the Medical Emergency Assistance Company on your behalf immediately (please see the Medical and other emergencies section on page 3 for further details).

What you are covered for under section B

We will pay up to the amount shown in the table of benefits for the necessary and reasonable costs as a result of you becoming ill, being injured or dying during your trip. This includes:

1. Emergency medical, surgical and hospital treatment and ambulance costs.

2. Up to £150 for emergency dental treatment as long as it is for the immediate relief of pain only.

3. The cost of your return to the United Kingdom earlier than planned if this is medically necessary and the Medical Emergency Assistance Company approve this.

4. If you cannot return to the United Kingdom as you originally planned and the Medical Emergency Assistance Company approve this, we will pay for:

� Extra accommodation (room only) and travel expenses (economy class unless a higher grade of travel is confirmed as medically necessary and authorised by the Medical Emergency Assistance Company) to allow you to return to the United Kingdom; and

� Extra accommodation (room only) for someone to stay with you and travel home with you if this is necessary due to medical advice; or

� Reasonable expenses for one relative or friend to travel from the United Kingdom to stay with you (room only) and travel home with you if this is necessary due to medical advice.

5. Up to £5,000 for the cost of returning your body or ashes to the United Kingdom or up to £2,000 for the cost of the funeral and burial expenses in the country in which you die if this is outside the United Kingdom.

6. ChannelIslandresidents only. Emergency medical, surgical and hospital treatment costs or expenses levied by an NHS run medical facility whilst travelling within the United Kingdom (excluding travel within the Channel Islands) which are not covered by any provision of emergency medical treatment agreements between the Channel Island’s and United Kingdom’s national health services.

Please note: If the claim relates to your return travel to the United Kingdom and you do not hold a return ticket, we will deduct from your claim an amount equal to your original carriers published one way airfare (based on the same class of travel as that paid by you for your outward trip) for the route used for your return.

What you are not covered for under section B

1. The excess as shown in the table of benefits. The excess may be reduced to nil if your medical expenses have been reduced by you using the European Health Insurance Card, Medicare or equivalent schemes (please refer to the Health agreements section on page 2 for further details).

2. Any medical treatment that you receive because of a medical condition or an illness related to a medical condition which you knew about at the time of purchasing this insurance and / or at the time of commencing travel and which could reasonably be expected to lead to a claim.

3. Any costs relating to pregnancy, if you are more than 26 weeks pregnant at the start of or during your trip.

4. Any treatment or surgery which the Medical Emergency Assistance Company thinks is not immediately necessary and can wait until you return to the United Kingdom (or Channel Islands if you permanently reside there). The decision of the Medical Emergency Assistance Company is final.

5. The extra cost of a single or private hospital room unless this is medically necessary.

6. Any search and rescue costs (costs charged to you by a government, regulated authority or private organisation connected with finding and rescuing an individual. This does not include medical evacuation costs by the most appropriate transport).

7. Any costs for the following:

� telephone calls (other than the first call to the Medical Emergency Assistance Company to notify them of the medical problem);

� taxi fares (unless a taxi is being used in place of an ambulance to take you to or from a hospital); or

� food and drink expenses (unless these form part of your hospital costs if you are kept as an inpatient).

8. Any medical treatment and associated costs you have to pay when you have refused to come back to the United Kingdom and the Medical Emergency Assistance Company considered you were fit to return home.

9. Any treatment or medication of any kind that you receive after you return to the United Kingdom.

Section C � Cutting your trip short

Please note: If you need to return home to the United Kingdom earlier than planned, you must contact the Medical Emergency Assistance Company immediately (please see the Medical and other emergencies section on page 3 for further details).

What you are covered for under section C

We will pay up to the amount shown in the table of benefits for:

� travel and accommodation expenses which you have paid or have agreed to pay under a contract and which you cannot get back;

� the cost of excursions, tours and activities which you have paid for either before you left the United Kingdom or those paid for locally upon your arrival overseas and which you cannot get back; and

� reasonable additional travel costs to return back to the United Kingdom if it is necessary and unavoidable for you to cut short your trip.

Please note: If payment has been made using frequent flyer points, airmiles, loyalty card points or the like, settlement of your claim will be based upon the lowest available published flight fare for the flight originally booked if they are non-transferable.

We will provide this cover if the cutting short of your trip is necessary and unavoidable as a result of the following.

1. You dying, becoming seriously ill or being injured.

2. The death, serious illness or injury of a relative, close business associate, a person who you are travelling with or a relative or friend living abroad who you are staying with.

3. If the police or relevant authority need you to return home to the United Kingdom after a fire, storm, flood, burglary or vandalism to yourhome or place of business.

4. If you are a member of the armed forces, police, fire, nursing or ambulance services which results in you having to return home to the United Kingdom due to an unforeseen emergency or if you are posted overseas unexpectedly.

What you are not covered for under section C

1. The excess as shown in the table of benefits.

2. Cutting short your trip because of a medical condition or an illness related to a medical condition which you knew about at the time of purchasing this insurance and / or at the time of commencing travel and which could reasonably be expected to lead to a claim. This applies to you, a relative, business associate or a person who you are travelling with, and any person you were depending on for the trip.

3. Any claims where the Medical Emergency Assistance Company have not been contacted to authorise your early return back to the United Kingdom.

4. Any additional expenses incurred should you decide to travel to any destination other than the United Kingdom in the event of cutting short your trip. If you have to cut short your trip and you do not return to the United Kingdom we will only be liable for the equivalent costs which you would have incurred had you returned to the United Kingdom.

5. You being unable to continue with your travel due to your failure to obtain the passport or visa you need for the trip.

6. The cost of your intended return travel to the United Kingdom if we have paid additional travel costs for you to cut short your trip.

Please note: We will calculate claims for cutting short your trip from the day you return to the United Kingdom or the day you go into hospital as an inpatient. Your claim will be based solely on the number of complete days you have not used.

Claims evidence required for section C

� Policy schedule

� Proof of travel cost (confirmation invoice, flight tickets)

� Invoices and receipts for your expenses

� An official letter confirming: the need for your return to the United Kingdom, emergency posting overseas

Please note: We may require other evidence to support your claim dependent upon the circumstances.

Section D � Travel delay

Please note: Section D does not apply to trips taken within the United Kingdom.

What you are covered for under section D

We will pay up to the amount shown in the table of benefits if your final international departure from or to the United Kingdom by aircraft, sea vessel, coach or train is delayed for more than 12 hours due to poor weather conditions, a strike, industrial action or mechanical breakdown.

We will pay a benefit for each complete 12 hour period that you are delayed, as long as you eventually go on the holiday.

What you are not covered for under sections D

1. Any claims where you have not checked in for your trip at the final international departure point at or before the recommended time.

2. Any claim that results from you missing a connecting flight.

3. Any claims where you have not obtained written confirmation from the appropriate transport company or authority stating the reason for the delay and how long the delay lasted.

Claims evidence required for sections D

� Policy schedule

� Proof of travel (confirmation invoice, flight tickets)

� An official letter confirming the cause and length of the delay

� Official confirmation that your pre paid expenses cannot be refunded (abandoning your trip only)

Please note: We may require other evidence to support your claim dependent upon the circumstances.

Section E1 � Personal belongings and baggage

What you are covered for under section E1

We will pay for items which are usually carried or worn by travellers for their individual use during a trip. We will pay up to the amount shown in the table of benefits for items owned (not borrowed or rented) by you which are lost, stolen or damaged during your trip.

Please note:

� Payment will be based on the value of the property at the time it was lost, stolen or damaged. An allowance may need to be made for wear, tear and loss of value depending on the age of the property.

� The maximum amount we will pay for any one item, pair or set of items is shown in the table of benefits. Please refer to the definition of 'pair or set of items' on page 3.

� The maximum amount we will pay for valuables and electronic/other equipment in total is shown in the table of benefits. Please refer to the definition of 'valuables and electronic/other equipment' on page 3.

� The maximum we will pay for property which is lost or stolen from an unattended motor vehicle is £100 for each insured person as long as the property was kept in a locked boot, a locked and covered luggage compartment or a locked glove compartment and there is evidence of forced and violent entry to the vehicle.

Section E2 � Delayed baggag

What you are covered for under section E2

We will pay up to the amount shown in the table of benefits for buying essential items if your baggage is delayed in reaching you on your outward international journey for more than 12 hours.

Please note:You must get written confirmation of the length of the delay from the appropriate airline or transport company and you must keep all receipts for the essential items you buy.

If your baggage is permanently lost we will take any payment we make for delayed baggage from your overall claim for baggage.

Section E3 � Personal Money

What you are covered for under section E3|

We will pay up to the amount shown in the table of benefits for the loss or theft of the following if you can provide evidence you owned them and evidence of their value (this would include receipts, bank statements or cash-withdrawal slips):

� Cash; and

� Travellers cheques (if these cannot be refunded by the provider).

Please note: The maximum amount we will pay for cash carried by one person, whether jointly owned or not, is the cash limit as shown in the table of benefits (or £50 for children under 18 years of age).

Section F4 � Passport and travel documents

What you are covered for under section E4

We will pay up to the amount shown in the table of benefits for the cost of replacing the following items belonging to you if they are lost, stolen or damaged during your trip:

� Passport;

� Travel and admission tickets; and

� Visas.

Please note: The cost of replacing your passport includes the necessary and reasonable costs you pay overseas associated with getting a replacement passport to allow you to return back to the United Kingdom (this would include travel costs to the local Embassy as well as the cost of the emergency passport itself). A claim for the lost or stolen passport would be calculated according to its expiry date - depending upon how many years there were left to run on the original passport, an unused pro-rata refund would be made of its original value.

What you are not covered for under sections E1, E2, E3 and E4

1. The excess as shown in the table of benefits (this does not apply if you are claiming under section E2).

2. Property you leave unattended in a public place.

3. Any claim for loss or theft to personal belongings and baggage, personal money or passports and travel documents which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.

4. Any claim for loss, theft, damage or delay to personal belongings and baggage which you do not report to the relevant airline or transport company within 24 hours of discovering it and which you do not get a written report for. In the case of an airline, a property irregularity report will be required from the airline. If the loss, theft or damage to your property is only noticed after you have left the airport, you must contact the airline in writing with full details of the incident within seven days of leaving the airport and get a written report from them.

5. Any loss or theft of your passport which you do not report to the consular representative of yourhome country within 24 hours of discovering it and get a written report for.

6. Any loss, theft or damage to valuables and electronic/other equipment which you do not carry in your hand luggage while you are travelling

7. Money, passports and travel documents which you do not carry with you unless they are being held in locked safety deposit facilities.

8. Claims arising due to an unauthorised person fraudulently using your credit or debit cards.

9. Claims where you are unable to provide receipts or other reasonable proof of ownership wherever possible for the items being claimed.

10. Breakage of fragile objects or breakage of sports equipment while being used (unless your claim is for damage to winter sports equipment and the appropriate premium for winter sports cover has been paid).

11. Damage due to scratching or denting unless the item has become unusable as a result of this.

12. Shortages due to variations in exchange rates.

13. If your property is delayed or held as a result of Customs, the police or other officials legally holding it.

14. Loss of jewellery (other than wedding rings) while swimming or taking part in sports and activities.

15. Losses caused by mechanical or electrical breakdown or damage caused by leaking powder or fluid carried within your baggage.

16. Loss, theft or damage to contact or corneal lenses, sunglasses, prescription glasses or spectacles, dentures, hearing aids, artificial limbs, paintings, household equipment, mobile phones, bicycles and their accessories, motor vehicles and their accessories, marine craft and equipment or items of a perishable nature (meaning items that can decay or rot and will not last for long, for example, food).

Claims evidence for sections E1 to E4

� Policy schedule

� Loss or theft of property or money - police report

� Loss, theft or damage by an airline - property irregularity report, flight tickets and baggage check tags

� Delay by an airline - written confirmation of the length of delay from the airline, flight tickets, baggage check tags, receipts for emergency purchases

� Loss or theft of a passport - police report, consular report, receipts for additional expenses to get a replacement passport overseas

� Proof of value and ownership for property and money

Please note: We may require other evidence to support your claim dependent upon the circumstances.

Important information:

� You must act in a reasonable way as if uninsured to look after your property and not leave it unattended or unsecured in a public place;

� You must carry valuables and electronic/other equipment and money with you when you are travelling. When you are not travelling, keep your money and passport with you at all times or leave them in a locked safety deposit box;

� You must report all losses, thefts or delays to the relevant authorities and obtain a written report from them within 24 hours of the incident; and

� You must provide the Travel Guard Claims Department with all the documents they need to deal with your claim, including a police report, a property irregularity report, receipts for the items being claimed as applicable. If you are unable to provide any of these reports, you may still be eligible to make a claim dependent upon the circumstances which have prevented you from obtaining them. Please contact Travel Guard Claims Department for further information and guidance.

Section F � Personal accident

Please note: This section does not apply to trips taken within the United Kingdom.

Definitions relating to this section

Accident

A sudden, unexpected and specific event, external to the body, which occurs at an identifiable time and place.

Loss of sight

Physical loss of one or both eyes or the loss of a substantial part of the sight of one or both eyes. A substantial part means that the degree of sight remaining after the accident is 3/60 or less on the Snellen scale after correction with spectacles or contact lenses. (At 3/60 on the Snellen scale a person can see at 3 feet something that a person who has not suffered loss of sight should be able to see at 60 feet).

Permanent total disablement

The inability of an insured person to continue in any occupation for which they are fitted by way of training, education or employment which in all probability will continue for the rest of their life.

What you are covered for under section F

We will pay up to the amount shown in the table of benefits to you or your executors or administrators if you are involved in an accident during your trip which solely and independently of any other cause results in one or more of the following within 12 months of the date of the accident.

� Complete loss of limb (meaning permanent loss by physical separation at or above the wrist or ankle or permanent and total loss of use of a limb). A limb means an arm, hand, leg or foot;

� Loss of sight;

� Permanent total disablement; or

� Accidental Death.

Please note: We will only pay for one personal accident benefit for each insured person during the period of insurance shown on yourpolicy schedule.

If you are under 18 years of age a reduced benefit of £5,000 will apply.

Claims evidence for section F

� Please phone the Travel Guard Claims Department on 0845 603 9892 to ask for advice

Section G � Personal Liability

Please note: This section does not apply to trips taken within the United Kingdom.

What you are covered for under section G

We will pay up to the total amount shown in the table of benefits if, during an insured trip, you are legally liable for accidentally:

� injuring someone; or

� damaging or losing someone else's property.

What you are not covered for under section G

1. The excess as shown in the table of benefits.

2. Any liability arising from an injury or loss or damage to property:

a. owned by you, a member of your family or household or a person you employ; or

b. in the care, custody or control of you or of your family or household or a person you employ.

3. Any liability for death, disease, illness, injury, loss or damage:

a. to members of your family or household, or a person you employ;

b. arising in connection with your trade, profession or business;

c. arising in connection with a contract you have entered into;

d. arising due to you acting as the leader of a group taking part in an activity;

e. arising due to you owning, possessing, using or living on any land or in buildings, except temporarily for the purposes of the trip; or

f. arising due to you owning, possessing or using mechanically-propelled vehicles, watercraft or aircraft of any description, animals (other than domestic cats or dogs), firearms or weapons.

Important information:

� You must give the Travel Guard Claims Department notice of any cause for a legal claim against you as soon as you know about it, and send them any documents relating to a claim;

� You must help the Travel Guard Claims Department and give them all the information they need to allow them to take action on your behalf;

� You must not negotiate, pay, settle, admit or deny any claim unless you get the Travel Guard Claims Department's permission in writing; and

� We will have complete control over any legal representatives appointed and any proceedings, and we will be entitled to take over and carry out in your name your defence of any claim or to prosecute for our own benefit any claims for indemnity, damages or otherwise against anyone else.

Claims advice for section G

� Do not admit liability, offer or promise compensation
� Give details of your name, address and travel insurance
� Take photographs and videos, and get details of witnesses if you can
� Tell the Travel Guard Claims Department immediately about any claim that is likely to be made against you and send them all the documents that you receive

Section H � Legal expenses

Please note: This section does not apply to trips taken within the United Kingdom.

What you are covered for under section H

We will pay up to the amount shown in the table of benefits for legal costs and expenses arising as a result of dealing with claims for compensation and damages resulting from your death, illness or injury during your trip.

What you are not covered for under section H

1. The excess as shown in the table of benefits.

2. Any claim which we have not agreed to accept beforehand in writing.

3. Any claim where we or our legal representative believe that an action is not likely to be successful or if we believe that the costs of taking action will be greater than any award.

4. The costs of making any claim against us, Virgin Atlantic Airways, our agents or representatives, or against any tour operator, accommodation provider, carrier or any person who you have travelled with or arranged to travel with.

5. Any fines, penalties or damages you have to pay.

6. The costs of making a claim for bodily injury, loss or damage caused by or in connection with your trade, profession or business.

7. Any claims arising out of you possessing, using or living on any land or in any buildings.

8. Any claims arising out of you owning, possessing or using mechanically-

propelled vehicles, watercraft or aircraft of any description, animals, firearms or weapons.

9. Any claim reported more than 180 days after the incident took place.



Important information:

� We will have complete control over any legal representatives appointed and any proceedings;

� You must follow our advice or that of our agents in handling any claim; and

� You must get back all of our expenses where possible. You must pay us any expenses you do get back.

Claims advice for section H

� Please phone the Travel Guard Claims Department on 0845 603 9892 to ask for advice as soon as you need to make a claim

Section I � Uninhabitable accommodation

Please note: This section does not apply to trips taken within the United Kingdom.

What you are covered for under section I

We will pay up to the amount shown in the table of benefits if after you have commenced your trip you pay or agree to pay overseas for travel and accommodation expenses (of a similar standard to those initially booked) to allow you to continue with your trip if you cannot live in your booked accommodation because of fire, flood, earthquake, storm, lightning, explosion, hurricane or major outbreak of infectious disease.

Please note:You must get written confirmation from the appropriate authority stating the nature of the disaster and how long the disaster lasted. You must keep all receipts for the extra expenses you pay.

What you are not covered for under section I

1. The excess as shown in the table of benefits.

2. Any expenses that you can get back from your tour operator, airline, hotel or other service provider.

3. Any claim resulting from you travelling against the advice of the appropriate national or local authority.

Claims evidence required for section I

� Policy schedule

� Proof of travel (confirmation invoice, flight tickets)

� An official letter confirming the cause of the event which rendered your accommodation uninhabitable and how long it lasted

� Invoices and receipts for your expenses

Please note: We may require other evidence to support your claim dependent upon the circumstances.

Winter sports cover

Please note: The following sections only apply if you have paid the appropriate premium for winter sports cover (if you have arranged a Annual Multi-Trip policy cover is provided for up to 17 days within the period of insurance) and this is shown on your policy schedule.

Definitions relating to winter sports cover

Winter sports

Bigfoot skiing, cat skiing or boarding, cross country skiing, glacier skiing, glacier walking (up to 4,000 metres), ice hockey, ice skating, kite snowboarding, land skiing, langlauf, mono skiing, off piste skiing or snowboarding (except in areas considered to be unsafe by resort management), skiing, ski boarding, ski mountaineering, ski randonee, ski touring, sledging, snowboarding, speed skating and tobogganing.

Winter sports equipment

Skis and snowboards and their bindings, ski poles, ski or snowboard boots, ski helmets, ice skates.

Section J1 � Winter sports equipment

What you are covered for under section J1

We will pay up to the amount shown in the table of benefits for winter sports equipment owned or hired by you which is lost, stolen or damaged during your trip.

Please note:

� An allowance will be made for wear, tear and loss of value on claims made for winter sports equipment owned by you as follows.

Up to 12 months old - 90% of the purchase price

Up to 24 months old - 70% of the purchase price

Up to 36 months old - 50% of the purchase price

Up to 48 months old - 30% of the purchase price

Up to 60 months old - 20% of the purchase price

Over 60 months old - 0%

� The maximum amount we will pay for any one item, pair or set of items is shown in the table of benefits. Please refer to the definition of 'pair or set of items' on page 3.

� You must bring any damaged winter sports equipment you own back to the United Kingdom for inspection.

Section J2 � Winter sports equipment hire

What you are covered for under section J2

We will pay up to the amount shown in the table of benefits for the cost of hiring winter sports equipment if winter sports equipment owned by you is:

� delayed in reaching you on your outward international journey for more than 12 hours; or

� lost, stolen or damaged during your trip.

Please note:You must keep all receipts for the winter sports equipment that you hire. You must bring any damaged winter sports equipment back to the United Kingdom for inspection.

Section J3 � Lift pass

What you are covered for under section J3

We will pay up to the amount shown in the table of benefits for the loss or theft of your lift pass. Claims would be calculated according to the expiry date of the lift pass - depending upon how many days there were left to run on the original lift pass, an unused pro-rata refund would be made of its original value.

What you are not covered for under sections J1, J2 and J3

1. The excess as shown in the table of benefits (this does not apply if you are claiming under section J2).

2. Any claim for loss or theft which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.

3. Any claim for loss, theft, damage or delay to winter sports equipment which you do not report to the relevant airline or transport company within 24 hours of discovering it and which you do not get a written report for. In the case of an airline, a property irregularity report will be required from the airline. If the loss, theft or damage to your winter sports equipment is only noticed after you have left the airport, you must contact the airline in writing with full details of the incident within seven days of leaving the airport and get a written report from them.

4. Winter sports equipment you have left unattended in a public place unless the claim relates to skis, poles or snowboards and you have taken all reasonable care to protect them by leaving them in a ski rack between 8am and 6pm.

5. Claims where you are unable to provide receipts or other reasonable proof of ownership wherever possible for the items being claimed.

Claims evidence required for sections J1 to J3

� Policy schedule

� Loss or theft - police report

� Loss, theft or damage by an airline - property irregularity report, flight tickets and baggage check tags

� Delay by an airline - written confirmation of the length of delay from the airline, flight tickets, baggage check tags, receipts for the hire of winter sports equipment

� Proof of value and ownership

Please note: We may require other evidence to support your claim dependent upon the circumstances.

Section K � Ski Pack

What you are covered for under section K

We will pay up to the amount shown in the table of benefits for the unused percentage of your ski pack which you have already paid for and cannot get back if you become ill or are injured during your trip and cannot take part in the winter sports activities as planned. A ski pack includes ski school fees or ski tuition fees, your lift pass and winter sports equipment that you have hired.

Please note:Your claim will be based on the number of complete days you have not used. You must get written confirmation of the nature of your illness or injury from the treating doctor in the resort along with confirmation of how many days you were unable to ski.

Claims evidence required for section K

� Policy schedule

� Proof of travel (confirmation invoice, travel tickets)

� Invoices and receipts for your prepaid ski pack

� An official letter from the treating doctor in the resort to confirm your inability to take part in the planned winter sports activities

Please note: We may require other evidence to support your claim dependent upon the circumstances.

Section L � Piste closure

Please note: This section only applies between 1 December and 15 April for travel to the Northern hemisphere or between 1 May and 30 September for travel to the Southern hemisphere.

What you are covered for under section L

We will pay up to the amount shown in the table of benefits if, as a result of not enough snow, too much snow or high winds in your booked holiday resort, all lift systems are closed for more than 12 hours. We will pay for either:

� the cost of transport to the nearest resort; or

� a benefit for each complete 24-hour period that you are not able to ski and there is no other ski resort available.

Please note:You must get written confirmation from the management of the resort stating the reason for the closure and how long the closure lasted.

Claims evidence required for section L

� Policy schedule

� Proof of travel (confirmation invoice, flight tickets)

� An official letter confirming the cause and length of the closure

� Receipts for your travel expenses if you travel to the nearest resort

Please note: We may require other evidence to support your claim dependent upon the circumstances.

Section M � Avalanche cover

What you are covered for under section M

We will pay up to the amount shown in the table of benefits for the necessary and reasonable travel and accommodation expenses that you pay or agree to pay overseas if you are prevented from arriving at or leaving your booked ski resort for more than 12 hours from the scheduled arrival or departure time because of an avalanche.

Please note:You must get written confirmation from the appropriate authority, for example, your tour representative or the ski resort management, stating the reason for the delay and how long the delay lasted.

What you are not covered for under section M

1. The excess as shown in the table of benefits.

Claims evidence required for section M

� Policy schedule

� Proof of travel (confirmation invoice, flight tickets)

� An official letter confirming the cause and length of the delay

� Invoices and receipts for your extra travel and accommodation expenses

Please note: We may require other evidence to support your claim dependent upon the circumstances.

Sports and activities (See page 2)

Provided you are under 65 years of age at the date of buying this policy, cover is available for the activities listed in the first table shown below provided:

� You follow the safety guidelines for the activity concerned and where applicable you use the appropriate and recommended safety equipment;

� The activity is not the main purpose of your trip;

� The activity is not part of a competition or tournament; and

� The activity is not on a professional basis.

Abseiling (within organiser’s guidelines / no Personal Liability cover), Angling, Archery, Badminton, Banana Boating, Baseball, Basketball, Body boarding / Boogie boarding, Bowling, Bowls, Bungee jumping (within organiser’s guidelines), Camel riding (no Personal Liability cover), Canoeing / Kayaking (up to grade 2 rivers only), Catamaran sailing (only if with qualified crew / within coastal waters / no Personal Liability cover), Clay pigeon shooting, Cricket, Curling, Cycling, Deep sea fishing, Dinghy sailing, Dry Skiing, Elephant trekking (within organiser’s guidelines / no Personal Liability cover), Fell running / walking, Fencing, Fishing, Football, Go karting (with organiser’s guidelines / no Personal Liability cover), Golf, Gymnastics, Handball, Hiking / Trekking / Walking / Rambling (provided below 4,000metres), Hockey, Horse riding (excluding racing / jumping / eventing), Horse Trekking, Hot air ballooning, Ice skating, Indoor climbing (on climbing wall), Jet boating (within organiser’s guidelines / no Personal Liability cover / no racing cover), Kite surfing (over water only / no Personal Liability cover), Lacrosse, Marathon running, Mountain biking (except racing), Netball, Orienteering, Overland trips, Organised safari without guns, Outward bounds pursuits, Parascending (over water only / no Personal Liability cover), Pony trekking, Racket ball, Rackets, Rap jumping (within organiser’s guidelines / no Personal Liability cover), Rifle range shooting (no Personal Liability cover), Ringos, Roller skating / Blading, Rounders, Rowing (except racing / no Personal Liability cover), Running, Safari in vehicle (not involving firearms / organised tour), Safari trekking (not involving firearms / organised tour), Sail boarding, Sailing (only if with qualified crew / within coastal waters / no Personal Liability cover), Scuba diving to 30 metres (within organiser’s guidelines), Skateboarding (wearing pads and helmets), Sledging - pulled by horse or reindeer as a passenger (within organiser’s guidelines), Small bore shooting (.22 and under / no Personal Liability cover), Snorkelling, Softball, Squash, Street hockey, Surfing, Swimming, Table tennis, Tennis, Ten pin bowling, Tug of war, Volleyball, Wake boarding, War games / paintballing, Water polo, Water-skiing, White water rafting (up to grade 4 rivers only), Wind surfing (no Personal Liability cover), Yachting (only if with qualified crew / within coastal waters / no Personal Liability cover), Zip-lining, Zorbing.

None of the following activities can be covered by this policy:

Adventure racing, American football, Base jumping, Biathlon, Big game hunting, Black water rafting, BMX stunt / Obstacle riding, Bobsleighing / using Skeletons, Bouldering, Boxing, Boxing training, Canyoning, Caving / Pot holing, Cave tubing, Climbing / Trekking / Walking over 4,000 metres, Cycle racing, Cyclo cross, Drag racing, Endurance tests, Hang gliding, Harness racing, Heli Skiing, High diving (above 5 metres), Hunting, Hunting on horseback, Ice hockey, Ice speedway, Jet skiing, Jousting, Judo, Karate, Kendo, Luging, Manual labour, Marathon running, Martial arts, Martial arts training, Micro-lighting, Modern pentathlon, Motor / motorcycle racing, Motor rallying, Mountaineering / Rock climbing, Parachuting, Paragliding / Parapenting, Piloting aircraft, Polo, Pot holing, Powerlifting, Power boat racing, Quad biking, River boarding, River bugging, Rodeo, Roller hockey, Rugby, Ski acrobatics, Ski doo, Ski jumping, Ski racing, Sky diving, Small bore target shooting, Speed trials / Time trials, Triathlon, Wake board jumping, Water ski jumping, Weight lifting, Wrestling.

Please note: these are not exhaustive lists. If the sport or activity which you are intending to participate in is not listed, please contact the Helpline on 0207 954 7898 to check this insurance meets your needs.

Summary of important contact details

Helpline prior to travel

Phone: 0207 954 7898

Phone lines are open Monday to Friday between 9am and 5pm

Medical Assistance - Travel Guard

Phone: +44 (0) 1273 400 610

Fax: +44 (0) 1273 376 935

E-mail: uk.assistance@travelguard.com

Phone lines are open 24 hours a day, 7 days a week

Claims � Travel Guard Claims Department

Address: PO Box 60108, London SW20 8US

Phone: 0845 603 9892

Fax: 01273 376 935

E-mail: uk.claims@travelguard.com

The claims department are open Monday to Friday between 9am and 5pm