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<p>BUPA. HELPING YOU FIND HEALTHY POLICY SUMMARY BUPA TRAVEL INSURANCE Effective from XXXX bupa.co.uk POLICY WORDING SINGLE TRIP TRAVEL INSURANCE Your Single Trip Travel Insurance Policy Documentation I NDE X Introduction and Tables of benefits pages .......... p. 1 to 4 Introduction ..................................................................................... p. 1 Table of benefits ............................................................................ p. 1 Table of benefits (continued) .................................................. p. 2 Table of benefits for Winter Sports Cover ........................ p. 3 Table of benefits for Golf Cover ............................................ p. 3 Table of benefits for Business Cover ................................... p. 3 Table of benefits for Wedding Cover .................................. p. 4 Table of benefits for Natural Catastrophe Travel Cancellation and Expenses Cover ....................................... p. 4 Policy Summary pages .............................................. p. 5 to 11 Policy Wording pages ............................................ p. 12 to 22 General information about this insurance ........................ p. 12 Important things you need to know about your policy before you travel ................................................ p. 14 Cancellations and refunds ....................................................... p. 16 Age limits ....................................................................................... p. 16 Cover options available ............................................................ p. 17 Medical and other emergencies ............................................ p. 18 How to make a claim ................................................................. p. 19 How to make a complaint ....................................................... p. 19 General definitions ..................................................................... p. 19 General conditions .................................................................... p. 20 General exclusions .................................................................... p. 21 Sections of cover A – Cancelling your trip .......................................................... p. 23 B1 – Medical and other expenses outside of the United Kingdom ................................................... p. 24 B2 – Expenses within the United Kingdom ..................... p. 25 B3 – Hospital benefit ................................................................ p. 25 B4 – Mugging benefit ............................................................... p. 25 C – Cutting your trip short ..................................................... p. 25 D1 – Missed departure .............................................................. p. 26 D2 – Missed connection .......................................................... p. 26 E1 – Travel delay ......................................................................... p. 27 E2 – Abandoning your trip ..................................................... p. 27 F1 – Personal belongings and baggage ............................ p. 28 F2 – Delayed baggage ............................................................. p. 28 F3 – Personal money ................................................................ p. 28 F4 – Passport and travel documents ................................. p. 28 G – Personal accident .............................................................. p. 29 H – Personal liability ................................................................. p. 30 I – Legal expenses ...................................................................... p. 31 J – Hijack ........................................................................................ p. 31 K – Uninhabitable accommodation ..................................... p. 31 L – Pet care ................................................................................. p. 32 M1 – Scheduled airline failure ................................................ p. 32 M2 – End supplier failure ........................................................ p. 33 N1 – Winter sports equipment .............................................. p. 34 N2 – Winter sports equipment hire .................................... p. 34 N3 – Lift pass ............................................................................... p. 34 O – Ski pack ................................................................................. p. 34 P – Piste closure ......................................................................... p. 35 Q – Avalanche cover ................................................................ p. 35 R – Physiotherapy in the United Kingdom ...................... p. 35 S1 – Golf equipment .................................................................. p. 36 S2 – Golf equipment hire ........................................................ p. 36 T – Green fees ............................................................................. p. 36 U1 – Business equipment ........................................................ p. 37 U2 – Business money ............................................................... p. 37 V – Replacing staff .................................................................... p. 37 W1 – Ceremonial attire............................................................. p. 37 W2 – Wedding gifts .................................................................. p. 38 W3 – Wedding rings ................................................................. p. 38 W4 – Photographs and video recording .......................... p. 38 X1 – Cancellation ........................................................................ p. 39 X2 – Additional expenses if you are stranded at the point of departure in the United Kingdom .............. p. 39 X3 – Additional costs to reach your destination if you decide to go on your trip .............................................. p. 39 X4 – Additional expenses if you are stranded at an international connection ......................................................... p. 39 X5 – Additional expenses if you are stranded on your return journey home ................................................ p. 39 X6 – Additional travel expenses to get you home ...... p. 39 X7 – Additional car parking costs ...................................... p. 40 X8 – Additional kennel or cattery fees ............................ p. 40 Talking Nurses .............................................................................. p. 41 Sports and activities .................................................................. p. 41 Concierge service ...................................................................... p. 42 Summary of important contact details ............................. p. 43 1 Welcome to your Bupa Travel Insurance Policy Please note: Terms shown in bold in this policy have the meanings given to them in the General definitions section on page 19. This policy document is only valid when issued in conjunction with a Bupa Travel Insurance policy schedule and provided the required premium has been paid. You should read this policy in conjunction with the policy schedule to ensure it meets your needs. The following cover is provided for each insured person. You should familiarise yourself with the cover provided by this policy and all the terms, conditions and exclusions that apply. It is important that you refer to the individual sections of cover for full details of what you are entitled to should you need to make a claim. The sum insured and the excess applicable to any claim made will depend upon the level of cover you have purchased. Your policy schedule will show whether you have bought Essentials cover, Deluxe cover, Superior cover or Platinum cover. Your policy schedule will also show whether you have purchased any additional sections of cover as outlined in the following tables. If your trip is solely within the United Kingdom, cover under some of the sections listed below will not apply. Please refer to the individual section of cover for full details. INTROD UCTION Section Benefits Essentials cover Deluxe cover Superior cover Platinum cover Sum insured up to: Excess* Sum insured up to: Excess* Sum insured up to: Excess* Sum insured up to: Excess* A Cancelling your trip** £2,000 £100 £3,000 £75 £4,000 £60 £6,000 £50 B1 Medical and other expenses outside of the United Kingdom £5,000,000 £200 £10,000,000 £75 £15,000,000 £60 £20,000,000 £50 Emergency dental treatment Nil Nil £200 £75 £200 £60 £500 £50 B2 Expenses within the United Kingdom £5,000 £100 £10,000 £75 £15,000 £60 £20,000 £50 B3 Hospital benefit Nil Nil £15 for each 24 hour period up to £1,000 Nil £20 for each 24 hour period up to £1,000 Nil £25 for each 24 hour period up to £2,000 Nil B4 Mugging benefit Nil Nil Nil Nil £1,000 Nil £1,000 Nil C Cutting your trip short £2,000 £100 £3,000 £75 £4,000 £60 £6,000 £50 D1 Missed departure Nil Nil £600 Nil £600 Nil £1,000 Nil D2 Missed connection Nil Nil £600 Nil £600 Nil £1,000 Nil E1 Travel delay Nil Nil £20 for each full 12 hour delay up to £100 Nil £20 for each full 12 hour delay up to £200 Nil £35 for each full 12 hour delay up to £350 Nil E2 Abandoning your trip Nil Nil £3,000 £75 £4,000 £60 £6,000 £50 F1 Personal belongings and baggage** Including: One item/pair or set of items limit Including: Valuables and electronic/other equipment limit £1,500 £125 £125 £100 £1,500 £200 £200 £75 £2,000 £250 £300 £60 £3,000 £300 £500 £50 Table of benefits 2 Table of benefits (continued) Section Benefits Essentials cover Deluxe cover Superior cover Platinum cover Sum insured up to: Excess* Sum insured up to: Excess* Sum insured up to: Excess* Sum insured up to: Excess* F2 Delayed baggage Nil Nil £100 after 12 hour period of delay Nil £150 after each 12 hour period of delay up to £300 Nil £150 after each 12 hour period of delay up to £450 Nil F3 Personal money** Including: Cash limit Including: Cash limit if 17 years of age or under £200 £125 £75 £100 £500 £200 £100 £75 £500 £250 £125 £60 £500 £350 £175 £50 F4 Passport and travel documents £150 Nil £250 Nil £300 Nil £500 Nil G Personal accident: Death benefit if between 18 and 65 years of age inclusive Death benefit if 17 years of age or under or if 66 years of age or over Loss of limb or loss of sight Permanent total disablement Nil Nil Nil Nil Nil Nil Nil Nil £5,000 £1,000 £15,000 £15,000 Nil Nil Nil Nil £10,000 £2,500 £30,000 £30,000 Nil Nil Nil Nil £30,000 £3,000 £50,000 £50,000 Nil Nil Nil Nil H Personal liability £2,000,000 £250 £2,000,000 £100 £2,000,000 £100 £2,000,000 £100 I Legal expenses Nil Nil £50,000 Nil £50,000 Nil £50,000 Nil J Hijack Nil Nil Nil Nil £100 per day up to £1,000 Nil £100 per day up to £1,000 Nil K Uninhabitable accommodation Nil Nil Nil Nil £200 Nil £1,000 Nil L Pet care Nil Nil £25 per day up to £250 Nil £25 per day up to £250 Nil £25 per day up to £250 Nil M1 Scheduled airline failure Nil Nil £1,500 Nil Nil Nil Nil Nil M2 End supplier failure (including scheduled airline failure) Nil Nil Nil Nil £1,500 Nil £1,500 Nil * Excess If you need to make a claim under certain sections listed in any of the tables above, we will deduct the amount shown in respect of the policy excess from the amount we pay you for any valid claim. The excess will apply to each insured person claiming, and to each incident and to each section of the policy under which a claim is made. By paying the required premium for an excess waiver, all excesses referred to in any of the tables above and on the previous page will be reduced to nil. ** Cover under section A (Cancelling your trip), section F1 (Personal belongings and baggage) and section F3 (Personal money) can be deleted by paying a reduced premium. 3 Table of benefits for Winter Sports Cover Winter Sports Cover is only available if included on your policy schedule and you pay the required extra premium. Section Benefits Essentials cover Deluxe cover Superior cover Platinum cover Sum insured up to: Excess* Sum insured up to: Excess* Sum insured up to: Excess* Sum insured up to: Excess* N1 Winter sports equipment (you own) Including: One item/ pair or set of items limit Winter sports equipment (you hire) £300 £150 £150 £100 £400 £150 £200 £75 £1,000 £1,000 £400 £60 £1,000 £1,000 £500 £50 N2 Winter sports equipment hire £15 per day up to £150 Nil £20 per day up to £200 Nil £20 per day up to £400 Nil £25 per day up to £500 Nil N3 Lift pass £200 £100 £500 £75 £500 £60 £500 £50 O Ski pack £20 per day up to £200 Nil £20 per day up to £400 Nil £20 per day up to £400 Nil £25 per day up to £500 Nil P Piste closure £15 per day up to £150 Nil £20 per day up to £300 Nil £20 per day up to £300 Nil £25 per day up to £500 Nil Q Avalanche cover £15 per day up to £150 Nil £25 per day up to £250 Nil £25 per day up to £250 Nil £50 per day up to £500 Nil R Physiotherapy in the United Kingdom Nil Nil £350 Nil £350 Nil £350 Nil Table of benefits for Golf Cover Golf Cover is only available if included on your policy schedule and you pay the required extra premium. Section Benefits Essentials cover Deluxe cover Superior cover Platinum cover Sum insured up to: Excess* Sum insured up to: Excess* Sum insured up to: Excess* Sum insured up to: Excess* S1 Golf equipment Including: One item/ pair or set of items limit £2,000 £500 £100 £2,000 £500 £75 £2,000 £500 £60 £2,000 £500 £50 S2 Golf equipment hire £50 per day up to £350 Nil £50 per day up to £350 Nil £50 per day up to £350 Nil £50 per day up to £350 Nil T Green fees £50 per day up to £350 Nil £50 per day up to £350 Nil £50 per day up to £350 Nil £50 per day up to £350 Nil Table of benefits for Business Cover Business Cover is only available if included on your policy schedule and you pay the required extra premium. Section Benefits Essentials cover Deluxe cover Superior cover Platinum cover Sum insured up to: Excess* Sum insured up to: Excess* Sum insured up to: Excess* Sum insured up to: Excess* U1 Business equipment Including: One item/ pair or set of items limit Business samples Including: One item/ pair or set of items limit £1,000 £500 £1,000 £500 £100 £100 £1,000 £500 £1,000 £500 £75 £75 £1,000 £500 £1,000 £500 £60 £60 £1,000 £500 £1,000 £500 £50 £50 U2 Business money Including: Cash limit £500 £300 £100 £500 £300 £75 £500 £300 £60 £500 £300 £50 V Replacing staff £1,500 Nil £1,500 Nil £1,500 Nil £1,500 Nil 4 Section Benefits Essentials cover Deluxe cover Superior cover Platinum cover Sum insured up to: Excess* Sum insured up to: Excess* Sum insured up to: Excess* Sum insured up to: Excess* W1 Ceremonial attire £1,500 per person £100 £1,500 per person £75 £1,500 per person £60 £1,500 per person £50 W2 Wedding gifts Including: One item/ pair or set of items limit £1,000 per couple £500 £100 £1,000 per couple £500 £75 £1,000 per couple £500 £60 £1,000 per couple £500 £50 W3 Wedding rings Including: Limit for each ring £500 £250 £100 £500 £250 £75 £500 £250 £60 £500 £250 £50 W4 Photographs and video recording £750 Nil £750 Nil £750 Nil £75 Nil Section Benefits Essentials cover Deluxe cover Superior cover Platinum cover Sum insured up to: Sum insured up to: Sum insured up to: Sum insured up to: X1 Cancellation £6,000 £6,000 £6,000 £6,000 Cover for the following additional expenses: X2 Stranded at the United Kingdom departure point £100 £100 £100 £100 X3 To reach your intended destination £200 £200 £200 £200 X4 Stranded at an international connection £150 for each 24 hours up to £750 £150 for each 24 hours up to £750 £150 for each 24 hours up to £750 £150 for each 24 hours up to £750 X5 Stranded on your return journey home £150 for each 24 hours up to £750 £150 for each 24 hours up to £750 £150 for each 24 hours up to £750 £150 for each 24 hours up to £750 X6 Travel expenses to get you home £2,000 £2,000 £2,000 £2,000 X7 Car parking £50 for each 24 hours up to £250 £50 for each 24 hours up to £250 £50 for each 24 hours up to £250 £50 for each 24 hours up to £250 X8 Kennel or cattery fees £50 for each 24 hours up to £250 £50 for each 24 hours up to £250 £50 for each 24 hours up to £250 £50 for each 24 hours up to £250 Table of benefits for Wedding Cover Wedding Cover is only available if included on your policy schedule and you pay the required extra premium. * Excess If you need to make a claim under certain sections listed in any of the tables above we will deduct the amount shown in respect of the policy excess from the amount we pay you for any valid claim. The excess will apply to each insured person claiming and to each incident and to each section of the policy under which a claim is made. By paying the required premium for an excess waiver all excesses referred to in the table above and the tables on the previous page will be reduced to nil. Table of benefits for Natural Catastrophe Travel Cancellation and Expenses Cover Natural Catastrophe Travel Cancellation and Expenses Cover is only available if you pay the required extra premium. The following cover is provided for each insured person in the event their outward or return journey is disrupted for more than 24 hours due to a natural catastrophe. The sums insured in the table below will be reduced by 75% in certain circumstances – please see page 38 for full details. No excess will apply to claims made under sections X1 to X8. 5 Insurance provider The insurance is provided by Bupa Insurance Services Limited and underwritten by AIG Europe Limited. Purpose of the insurance The purpose of the travel insurance policy is to provide cover for losses arising as a result of specified events that occur before or during a trip, including: emergency medical expenses, theft or loss of baggage and cancellation. Please read the policy wording for a full description of the terms of the insurance, including the policy definitions and refer to the policy for the specific policy benefits, sums insured and exclusions. This policy summary does not form part of the policy wording and does not contain the full terms of the policy. The full terms of the policy can be found in the policy wording. The cover provided is subject to certain limits and excesses, as set out in the Table of benefits (see pages 1 to 4 of this document). Significant features, conditions and exclusions The cover provided is subject to certain terms, conditions and exclusions. The following tables summarise the main features and benefits of the cover and the significant terms, conditions and exclusions that apply. To ensure the policy is suitable for you, you are advised to read the Policy Wording which sets out all of the features, conditions and exclusions. Significant features Conditions and exclusions Policy Wording reference Medical and other expenses outside of the United Kingdom The following limits and excesses apply per person, per incident: Essentials cover: Up to £5,000,000 (£200 excess) Deluxe cover: Up to £10,000,000 (£75 excess) Superior cover: Up to £15,000,000 (£60 excess) Platinum cover: Up to £20,000,000 (£50 excess) The cover provided includes: o emergency medical, surgical and hospital treatment and ambulance costs; o additional accommodation and travel expenses if you cannot return to the United Kingdom as scheduled; and o repatriation to the United Kingdom if it is medically necessary. Significant conditions: o If you need inpatient medical treatment, you must contact the Medical Emergency Assistance Company, Travel Guard, immediately on phone number +44 (0) 1273 400 610; and o Additional accommodation and travel expenses and repatriation costs must be approved in advance by Travel Guard. Significant exclusions: o Cover is not provided if: - the claim relates to any heart condition, any circulatory condition, any respiratory condition or any cancerous condition which you knew about when you bought the policy unless the condition has been declared to us and agreed by us in writing; - the claim relates to you having a medical condition for which you are taking prescribed medication or you have seen a hospital specialist or needed inpatient treatment within the last 12 months unless the condition has been declared to us and agreed by us in writing when you bought the policy; - you are travelling against medical advice or with the intention of receiving medical treatment; - you are receiving or waiting for hospital investigation or treatment for any undiagnosed condition or set of symptoms when you buy the policy and/or at the time of commencing travel or you have been given a terminal prognosis; or - the claim relates to pregnancy or childbirth if you are more than 26 weeks pregnant at the start of or during your trip. Page 24, Section B1 Page 18, ‘Medical and other emergencies’ Pages 14 and 15, ‘Health conditions’ Pages 21 and 22, General exclusions, numbers 1 and 23. TRAVE L IN SURANCE POL ICY SUMMARY 6 Significant features Conditions and exclusions Policy Wording reference Cancelling your trip and Cutting your trip short (By paying a reduced premium, cover under section A - Cancelling your trip can be deleted) The following limits and excesses apply per person, per trip: Essentials cover: Up to £2,000 (£100 excess) Deluxe cover: Up to £3,000 (£75 excess) Superior cover: Up to £4,000 (£60 excess) Platinum cover: Up to £6,000 (£50 excess) Cover is provided for loss of travel and accommodation expenses you have paid or have agreed to pay under contract, and which you cannot get back, if it is necessary and unavoidable for you to cancel or cut your trip short for specifi ed reasons, including: o you dying, becoming seriously ill or being injured; and o the death, injury or serious illness of a relative, business associate or a person with whom you have booked to travel, or a relative or friend with whom you plan to stay during your trip. Signifi cant conditions: o If it is necessary for you to cut your trip short and return to the United Kingdom, you must contact Travel Guard immediately. Signifi cant exclusions: o Cover is not provided if: - the reason for cancellation or cutting your trip short relates to a medical condition or illness which you knew about when you purchased the policy and which could reasonably be expected to lead to a claim unless declared to us and agreed by us in writing. Pages 23, 25 and 26, Sections A and C Page 18, ‘Medical and other emergencies’ Pages 14 and 15, ‘Health conditions’ Page 21, General exclusions, number 1. T RAVE L IN SURANCE POL ICY SUMMARY 7 Significant features Conditions and exclusions Policy Wording reference Personal belongings and baggage (By paying a reduced premium, cover under this section can be deleted) The following limits and excesses apply per person, per incident (please see the Table of Benefi ts for the limit for any one item/ pair or set of items and for valuables and electronic/other equipment): Essentials cover: Up to £1,500 (£100 excess) Deluxe cover: Up to £1,500 (£75 excess) Superior cover: Up to £2,000 (£60 excess) Platinum cover: Up to £3,000 (£50 excess) Cover is provided for loss, theft or damage to personal belongings and baggage owned by you (not borrowed or rented) during your trip. Signifi cant conditions: o In the event of a claim an allowance may be made in respect of wear and tear and loss of value; and o In the event of a claim you must provide receipts or other proof of ownership wherever possible for the items being claimed. Signifi cant exclusions: o Cover is not provided if: - you do not report the loss or theft of belongings or baggage to the police within 24 hours of discovery and do not obtain a written police report; - you leave your belongings or baggage unattended in a public place; - the loss, theft or damage occurs whilst your belongings or baggage are in the custody of the airline or transport company unless you report this to the carrier within 24 hours of discovery and get a written report (a property irregularity report will be required if the loss, theft or damage takes place whilst in the care of an airline); or - the loss, theft or damage to valuables and electronic/ other equipment occurs whilst not being carried in your hand luggage while you are travelling on public transport or on an aircraft. - the loss, theft or damage to contact or corneal lenses, sunglasses, prescription glasses or spectacles, dentures, hearing aids, artifi cial limbs, paintings, household equipment, mobile phones, bicycles and their accessories, motor vehicles and their accessories (this would include keys), marine craft and equipment or items of a perishable nature. Pages 28 and 29, Section F1 Page 20, General defi nitions ‘Pair or set of items’ Page 20, General defi nitions ‘Valuables and electronic/other equipment’ 8 Significant features Conditions and exclusions Policy Wording reference Personal money (By paying a reduced premium, cover under this section can be deleted) The following limits and excesses apply per person, per incident (please see the Table of Benefi ts for cash limits for persons 17 years of age or under): Essentials cover: Up to £200 (£125 cash limit, £100 excess) Deluxe cover: Up to £500 (£200 cash limit, £75 excess) Superior cover: Up to £500 (£250 cash limit, £60 excess) Platinum cover: Up to £500 (£350 cash limit, £50 excess) Cover is provided for cash and traveller’s cheques lost or stolen during your trip. Signifi cant conditions: o In the event of a claim, you must be able to provide evidence of ownership and value (for example, receipts, bank statements or cash-withdrawal slips). Signifi cant exclusions: o Cover is not provided if: - you do not report the loss or theft of personal money to the police within 24 hours of discovery and do not obtain a written police report; or - if, at the time of loss or theft, the personal money was not carried with you or held in a locked safety deposit facility. Page 28 Section F3 T RAVE L IN SURANCE POL ICY SUMMARY 9 Limitations Policy Wording reference Geographical areas The geographical area which you are entitled to travel to is shown on your policy schedule. No cover is provided under the 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 Offi ce (FCO) where you have travelled to a specifi c country or to an area where, prior to your trip commencing, the FCO have advised against all (but essential) travel. Page 17, ‘Geographical areas’ and Pages 21 and 22, General exclusions, numbers 4 and 13 Age limits To be eligible for cover all persons must be 89 years of age or under at the date of buying the policy. The person buying the policy must be 18 years of age or over at the date of purchase. Page 16, ‘Age limits’ Residency You and all other insured persons must have your main home in the UK, have a UK National Insurance number (when aged 16 or over) and be registered with a doctor in the UK at the time you buy or renew your policy. Residents of the Isle of Man must have their main home in the Isle of Man and be registered with a local doctor. We do not provide cover to residents of the Channel Islands. Page 15, ‘Residency’ Sports and activities You must contact Bupa Travel Insurance Customer Services by phoning 0845 601 0559 or by e-mailing info@bupa-travel.co.uk if you are planning to participate in a sport or activity during your trip. Please note that if using a two-wheeled motor vehicle as a driver or passenger you must wear a crash helmet and the driver must hold a licence permitting them to drive the two-wheeled motor vehicle under the laws of the country in which they are travelling (if such a licence is required under the laws of that country). Pages 15 and 41, ‘Sports and activities’ and Page 22, General exclusions, number 10 Upgrades By paying an additional premium you are entitled to upgrade your policy to include Winter Sports Cover, Golf Cover, Business Cover, Wedding Cover, Natural Catastrophe Travel Cancellation and Expenses Cover or an Excess waiver. Please call Bupa Travel Insurance Customer Services on 0845 601 0559 for further details. Page 17, ‘Upgrades’ and Pages 34 to 40, Sections N to X Law and jurisdiction The policy will be governed by English law and you and we agree to submit to the courts of England and Wales to determine any dispute arising under or in connection with it, 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, unless agreed to the contrary by the policyholder and us before the start date of the policy. The terms and conditions of the policy will only be available in English and all communication relating to the policy will be in English. Page 12, 'Law and jurisdiction' 10 Period of insurance Cover for cancellation starts at the time you book the trip or pay the premium, whichever is the later. Cover for cancellation ends as soon as you start your trip. Cover under all other sections starts when you leave your home address in the United Kingdom (but not earlier than 24 hours before the booked departure time) or from the fi rst day of the period of cover as shown on your policy schedule, whichever is the later. Cover ends when you return to your home 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 of cover as shown on your policy schedule, whichever is the earlier. If you have arranged a One-Way policy, cover ends 24 hours after you fi rst leave immigration control in your fi nal country of destination or at the end of the period of cover as shown on your policy schedule, whichever is the earlier. Cover cannot start after you have left the United Kingdom. Unless you have bought a One-Way policy, each trip must begin and end in the United Kingdom. You must be 89 years of age or under at the date of buying the policy. If you are between 66 and 89 years of age, travel is restricted to 31 days. The start and end dates of your trip are set out on your policy schedule. ‘Cooling-off’ period and your right to cancel your policy If the cover is not suitable for you and you want to cancel your policy, you must contact Bupa Travel Insurance 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 Bupa Travel Insurance to ask to cancel the policy. 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. To obtain a refund, please phone 0845 601 0559, email info@bupa-travel.co.uk or write to Bupa Travel Insurance Customer Services Department, Shoreham Airport, Shoreham by Sea, West Sussex BN43 5FF. Claim notification You can make a claim for all sections apart from sections M1 and M2 by contacting: Bupa Travel Insurance Claims, PO Box 60108, London SW20 8US. Phone: 0845 602 7067 Fax: 01273 376 935 E-mail: uk.claims@travelguard.com You can make a claim under section M1 and M2 by contacting: IPP Claims Offi ce, IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR. Phone: 020 8776 3752 E-mail: info@ipplondon.co.uk Website: www.ipplondon.co.uk (a claim form may be downloaded from this site) T RAVE L IN SURANCE POL ICY SUMMARY 1 1 Your right to complain We are committed to providing a fi rst class service at all times, however, we recognise that occasionally you may be unhappy with some aspect of this service. If you are not satisfi ed with the service you have received, you or someone on your behalf should contact one of the following. If your complaint is about a claim under all sections apart from sections M1 and M2, please contact: The Customer Care Manager, Bupa Travel Insurance Claims, Shoreham Airport, Shoreham by Sea, West Sussex BN43 5FF. Phone: 0845 602 7067 E-mail: uk.claims@travelguard.com If your complaint is about a claim under section M1 and M2, please contact: The Claims Manager, IPP Claims Offi ce, IPP House 22-26 Station Road, West Wickham, Kent BR4 0PR. Phone: 020 8776 3752 E-mail: info@ipplondon.co.uk If your complaint is not about a claim, please contact: The Sales and Service Manager, Bupa Travel Insurance, Shoreham Airport, Shoreham by Sea, West Sussex BN43 5FF. Phone: 0845 601 0559 E-mail: info@bupa-travel.co.uk To help us to deal with your comments quickly, please quote your policy schedule/claim number and the policyholder/insured person’s name. We will acknowledge the complaint within 5 business days of receiving it, keeping you informed of progress and do our best to resolve matters to your satisfaction within 8 weeks. If we are not able to resolve the complaint satisfactorily, you or the complainant may be entitled to refer any disagreement to the Financial Ombudsman Service (FOS) to review the case, without affecting legal rights to take action against us. We will provide full details of how to do this when we provide our fi nal response letter addressing the issues raised. Please note: The FOS will not consider a complaint if you have not provided us with the opportunity to resolve it previously. The address and contact details are: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Phone: 0800 0 234 567 (free for people phoning from a “fi xed line”, i.e. a landline at home) 0300 123 9 123 (free for mobile phone users who pay a monthly charge for calls to numbers starting 01 or 02) E-mail: complaint.info@fi nancial-ombudsman.org.uk Are we covered by the Financial Services Compensation Scheme (FSCS)? AIG Europe Limited are covered by the Financial Services Compensation Scheme (FSCS). If we are unable to meet our fi nancial obligations you may be entitled to compensation from the scheme. Further information about compensation scheme arrangements is available from the FSCS. Please see the policy wording for further details. 1 2 General information about this insurance Insurance provider This policy is insured by AIG Europe Limited (FCA Register Number 202628) which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. This can be confi rmed with the Financial Conduct Authority on the FCA website (www.fca.org.uk) or by calling 0845 606 9966. AIG Europe Limited is registered in England under number 1486260. Registered offi ce: The AIG Building, 58 Fenchurch Street, London EC3M 4AB, United Kingdom. AIG Europe Limited is also a member of the Association of British Insurers. This policy is sold and administered by Bupa Insurance Services Limited (FCA Register Number 312526) which is authorised and regulated by the Financial Conduct Authority. Travel Guard provides claims handling services on behalf of AIG Europe Limited and is also a provider of medical assistance services. Travel Guard is a trading name of Travel Guard EMEA Limited. Your single trip travel policy This policy wording along with your policy schedule and any appropriate endorsements forms the basis of your contract with us. Together, these documents detail and explain what you are covered for and what you are not covered for. Different levels of cover apply depending on whether you have bought an Essentials, Deluxe, Superior or Platinum policy and additional sections of cover will apply if you have paid the required premium for policy upgrades. Please read this policy wording to make sure that the cover meets your needs and please check the details outlined within your policy schedule and any applicable endorsements to make sure that the information shown is correct. Law and jurisdiction This policy will be governed by English law and the policyholder, insured persons and we agree to submit to the courts of England and Wales to determine any dispute arising under or in connection with it, unless the relevant insured person resides 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, unless agreed to the contrary by the policyholder and us before the start date of this policy. The terms and conditions of this policy will only be available in English and all communication relating to this policy will be in English. Financial Services Compensation Scheme (FSCS) AIG Europe Limited are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation if we cannot meet our fi nancial obligations, depending on the type of insurance and the circumstances of the claim. For this type of insurance, 90% of the claim is covered, without any upper limit. Further information about compensation scheme arrangements is available at www.fscs.org.uk and on 020 7741 4100, or 0800 678 1100. T RAVE L IN SURANCE POL ICY WORDING 1 3 How we use personal information We are committed to protecting the privacy of customers, claimants and other business contacts. “Personal information” identifies and relates to you or other individuals (e.g. your dependants). By providing personal information you give permission for its use as described below. If you provide personal information about another individual, you confirm that you are authorised to provide it for use as described below. The types of personal information we may collect and why - Depending on our relationship with you, personal information collected may include: identification and contact information, payment card and bank account, credit reference and scoring information, sensitive information about health or medical condition, and other personal information provided by you. Personal information may be used for the following purposes: o Insurance administration, e.g. communications, claims processing and payment o Decision-making on provision of insurance cover and payment plan eligibility o Assistance and advice on medical and travel matters o Management and audit of our business operations o Prevention, detection and investigation of crime, e.g. fraud and money laundering o Establishment and defence of legal rights o Legal and regulatory compliance, including compliance with laws outside your country of residence o Monitoring and recording of telephone calls for quality, training and security purposes o Marketing, market research and analysis To opt-out of marketing communications contact us by e-mail at: opt-out@aig.com or by writing to: Marketing Preference Team, AIG, The AIG Building, 58 Fenchurch Street, London EC3M 4AB. If you opt-out we may still send you other important communications, e.g. communications relating to administration of your insurance policy or claim. Sharing of personal information - For the above purposes personal information may be shared with our group companies, brokers and other distribution parties, insurers and reinsurers, credit reference agencies, healthcare professionals and other service providers. Personal information will be shared with other third parties (including government authorities) if required by law. Personal information (including details of injuries) may be recorded on claims registers shared with other insurers. We are required to register all third party claims for compensation relating to bodily injury to workers’ compensation boards. We may search these registers to detect and prevent fraud or to validate your claims history or that of any other person or property likely to be involved in the policy or claim. Personal information may be shared with prospective purchasers and purchasers, and transferred upon a sale of our company or transfer of business assets. International transfer - Due to the global nature of our business personal information may be transferred to parties located in other countries, including the United States and other countries with different data protection laws than in your country of residence. Security and retention of Personal Information – Appropriate legal and security measures are used to protect personal information. Our service providers are also selected carefully and required to use appropriate protective measures. personal information will be retained for the period necessary to fulfil the purposes described above. Requests or questions - To request access or correct inaccurate personal information, or to request the deletion or suppression of personal information, or object to its use, please e-mail: DataProtectionOfficer@aig.com or write to Data Protection Officer, Legal Department, AIG Europe Limited, The AIG Building, 58 Fenchurch Street, London EC3M 4AB. More details about our use of personal information can be found in our full Privacy Policy at http://travel.bupa.co.uk/privacy-policy_3737_477502.html or you may request a copy using the contact details above. 14 Important things you need to know about your policy before you travel Health conditions This policy contains conditions relating to your health. In particular, claims will not be covered where at the time of purchasing this policy any insured person has suffered from or received any form of medical advice or treatment or medication for any of the following conditions at any time in the past unless the condition has been declared to us and agreed by us in writing: o any heart or circulatory condition; or o any respiratory condition; or o any cancerous condition. or: o any diagnosed post-traumatic stress disorder or other anxiety disorder, any mental disorder or any disease of the nervous system which has required medication or treatment in the two years before purchasing this policy. A declaration must also be made to us and we must agree to provide cover in writing if any of the following apply to you or to any other insured person on this policy at the time of purchasing this policy: o you have a medical condition for which you are taking prescribed medication; or o you have consulted a hospital specialist or needed inpatient treatment within the last 12 months. To declare any of the above, please contact Bupa Travel Insurance Customer Services by phoning 0845 601 0559. Failure to declare a medical condition will result in claims relating to the undisclosed condition not being covered. Please refer to General exclusions numbers 1 to 3 on page 21 & 22 for further information. Health of your relatives, travelling companions insured elsewhere and business associates This policy will not provide cover for claims under section A (Cancelling your trip) or section C (Cutting your trip short) arising from any medical condition you knew about at the time of purchasing this policy and that affects 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 if during the three months before you purchased this policy, they: o have been diagnosed with a new medical condition for which they need to take prescribed medication; o have consulted a hospital specialist or needed inpatient treatment; o are receiving or waiting for hospital investigation or treatment for any undiagnosed condition or set of symptoms; or o have been given a terminal prognosis. Changes to your health after purchasing your policy If after you have paid your premium you are diagnosed with a heart condition, a circulatory condition, a respiratory condition, cancer or if you receive inpatient medical treatment or if you are placed on a waiting list for investigation or medical treatment, you do not have a duty to disclose details of your change in circumstances to Bupa Travel Insurance Customer Services before your trip. Provided you were not aware of the medical condition and you were not aware you would need to receive medical treatment or undergo investigations at the date you paid your premium, cover will continue under the existing terms of the policy. However, if you are no longer able to travel on your forthcoming trip due to your change in circumstances, you would be entitled to make a claim under section A (Cancelling your trip) for your costs which cannot be recovered from elsewhere. Please refer to General exclusion number 1 on page 21 for further information. T RAVE L IN SURANCE POL ICY WORDING 1 5 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 about enrolling in the Medicare scheme in Australia 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. Residency You and all other insured persons must have your main home in the UK, have a UK National Insurance number (when aged 16 or over) and be registered with a doctor in the UK at the time you buy or renew your policy. Residents of the Isle of Man must have their main home in the Isle of Man and be registered with a local doctor. We do not provide cover to residents of the Channel Islands. Travel delays - EC Regulations This policy is not designed to cover costs which are met under the EC Regulation No. 261/2004. Under this Regulation if you have a confi rmed reservation on a fl ight, and that fl ight is delayed by between 2 and 4 hours (length of time depends on the length of your fl ight) the airline must offer you meals, refreshments and hotel accommodation. If the delay is more than 5 hours, the airline must offer to refund your ticket. The Regulations should apply to all fl ights, whether budget, chartered or scheduled, originating in the EU, or fl ying into the EU using an EU carrier. If your fl ight is delayed or cancelled, you must in the fi rst instance approach your airline and clarify with them what costs they will pay under the Regulation. If you would like to know more about your rights under this Regulation, additional useful information can be found on the Civil Aviation Authority website (www.caa.co.uk). Sports and activities If you intend to take part in a sport or activity during your trip, please contact Bupa Travel Insurance Customer Services by phoning 0845 601 0559 or by e-mailing info@bupa-travel.co.uk before taking part to make sure that cover is provided. 16 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 us by phoning 0845 601 0559, emailing info@bupa-travel.co.uk or by writing to Bupa Travel Insurance Customer Services Department, Shoreham Airport, Shoreham by Sea, West Sussex BN43 5FF 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 Bupa Travel Insurance Customer Services 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. Your right to cancel the policy after the 14-day cooling-off period If you decide this cover is no longer suitable for you and you want to cancel your policy after the 14 day cooling-off period, you must contact us by phoning 0845 601 0559, emailing info@bupa-travel.co.uk or by writing to Bupa Travel Insurance Customer Services Department, Shoreham Airport, Shoreham by Sea, West Sussex BN43 5FF In line with the terms outlined below we will refund a proportion of the premium you have paid within 30 days of the date you contact Bupa Travel Insurance Customer Services to ask to cancel the policy. If you have not travelled or made a claim before you asked to cancel the policy you will be entitled to a refund of the premium paid, subject to deduction of 30% of the premium paid to represent the period during which you have been on risk for cancellation cover plus a £15 administration fee 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 where we have serious grounds for doing so including any failure by you to comply with the General conditions on page 20 of this policy which is incapable of remedy or which you fail to remedy within 14 days of receiving a notice from us requiring you to remedy the breach. A proportionate refund of the premium paid will be made to the policyholder from the date we cancel the policy. Age limits The person buying this policy must be 18 years of age or over at the date of purchase. All insured persons must be 89 years of age or under at the date of buying this policy. If you are between 66 and 89 years of age travel is restricted to 31 days. T RAVE L IN SURANCE POL ICY WORDING 1 7 Cover options available Types of cover and durations Single trip This gives you cover to travel on one trip for: o up to 365 days if you are 65 years of age or under; or o up to 31 days if you are between 66 and 89 years of age. Please note: It does not matter how long you buy a policy for cover ends on the end date shown on your policy schedule or when you return to the United Kingdom whichever is the earlier unless your trip cannot be completed for reasons beyond your control, for example, if you are unable to return back to the United Kingdom as planned due to illness or injury or if you are unable to return as planned due to unavoidable delays affecting your return flight or public transport. One-way trip This provides cover for a single oneway trip for up to 31 days. Cover ends 24 hours after you first leave immigration control in your final country of destination or at the end of the period of cover shown on your policy schedule whichever is the earlier. Upgrades The following upgrades are available by paying an additional premium: Winter Sports Cover Please see page 33 for a list of winter sports activities which are covered by this policy. If the winter sport you intend to take part in is not shown in the list, please check that cover will be provided by contacting Bupa Travel Insurance Customer Services on 0845 601 0559 or by e-mailing info@bupa-travel.co.uk Please see sections N to R for full details of cover. Golf Cover You can buy cover for up to 31 days provided each golfing holiday lasts no longer than 31 days. Please see sections S to T for full details of cover. Business Cover You can buy cover for up to 31 days provided each business trip lasts no longer than 31 days. Please see sections U to V for full details of cover. Wedding Cover You can buy cover for up to 31 days. Please see section W for full details of cover. Natural Catastrophe Travel Cancellation and Expenses Cover You can buy cover for the duration of your trip Please see section X for full details of cover. Excess waiver In the event of a claim, if the excess waiver premium has been paid, your claim will not be subject to a policy excess. Please see the table of benefits on pages 1 to 4 for full details of the excesses which are usually payable. Removing sections of cover By paying a reduced premium, cover can be removed under the following sections: o Cancelling your trip; or o Personal belongings and baggage only; or o Personal belongings and baggage and Personal money; or o Cancelling your trip Personal belongings and baggage and Personal money. Geographical areas One of the following areas will be shown on your policy schedule This describes the area of the world which this policy provides cover for you to travel to. United Kingdom England Scotland Wales Northern Island and the Isle of Man. Europe The continent of Europe including all countries west of the Ural Mountains, islands in the Mediterranean, the Canary Islands, Madeira, Turkey the Azores and Iceland, but not including Egypt, Israel, Morocco and Tunisia. Worldwide excluding USA, Canada and the Caribbean Worldwide including USA, Canada and the Caribbean 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 cover Cover under section A (Cancelling your trip) starts at the time you book the trip or pay the premium, whichever is the later Cover under section A (Cancelling your trip) ends as soon as you start your trip. Cover under all other sections starts when you leave your home address in the United Kingdom (but not earlier than 24 hours before the booked departure time) or from the first day of the period of cover as shown on your policy schedule whichever is the later. Cover ends when you return to your home 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 of cover as shown on your policy schedule whichever is the earlier. 1 8 If you have arranged a OneWay policy cover ends 24 hours after you first leave immigration control in your final country of destination or at the end of the period of cover as shown on your policy schedule whichever is the earlier. Cover cannot start after you have left the United Kingdom. Each trip must begin and end in the United Kingdom unless you have bought a OneWay policy in which case your trip must begin in the United Kingdom Trip extensions if you decide you wish to extend your trip whilst overseas If once you have left the United Kingdom and before the end of the period of cover you decide you want to extend your policy please contact Bupa Travel Insurance Customer Services on 0845 601 0559 or by e-mailing info@bupa-travel.co.uk. Extensions can usually only be considered if there has been no change in your health (or that of a relative or business associate) and no claim has been made or is intended to be made and no incident likely to give rise to a claim has occurred. However should there have been a change in health or you are aware that a claim has been made or will need to be made under the original policy then we may still be able to consider the extension provided full details are disclosed to Bupa Travel Insurance Customer Services for consideration. Trip extensions if you are unable to return home from your trip as planned If due to unexpected circumstances beyond your control, for example due to illness or injury or unavoidable delays affecting your return flight or public transport your trip cannot be completed within the period of cover outlined on your policy schedule cover will be extended for you at no extra cost for up to 30 days. This also applies to one person travelling with you who is authorised to stay with you by Travel Guard if the extension is due to medical reasons. All requests for more than 30 days must be authorised by Travel Guard. Please see Medical and other emergencies below for details of how to contact Travel Guard. 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: +44 (0) 1273 400 610 or alternatively +1 877 897 1933 if you are travelling within the United States. Fax: +44 (0) 1273 376 935 E-mail: uk.assistance@travelguard.com Please have the following information available when you (or someone on your behalf) contact the Medical Emergency Assistance Company so that your case can be dealt with swiftly and efficiently: o Your name and address; o Your contact phone number abroad; o Your policy number shown on your policy schedule; and o 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 as soon as reasonably possible If they do not, we may not provide cover or we may reduce the amount we pay for your inpatient or outpatient treatment. If you have to return to the United Kingdom under section C (Cutting your trip short) or section B1 (Medical and other expenses outside of the United Kingdom) the Medical Emergency Assistance Company must authorise this. If they do not, we may not provide cover or we may reduce the amount we pay for your return to the United Kingdom. Special note to US medical providers: Please contact Travel Guard by phoning: +1 877 897 1933 All claims and billing correspondence should be sent to: Travel Guard, PO Box 0852 Attn: Shoreham Claims Stevens Point, WI 54481 United States T RAVE L IN SURANCE POL ICY WORDING 1 9 How to make a claim You must register a claim under all sections apart from section M1 (Scheduled airline failure) and section M2 (End supplier failure) by contacting the following company: Bupa Travel Insurance Claims PO Box 60108, London SW20 8US. Phone: 0845 602 7067 Fax: 01273 376 935 E-mail: uk.claims@travelguard.com (For details of how to claim under section M1 (Scheduled airline failure) and section M2 (End supplier failure) please see page 33). Please note: We must be notified as soon as reasonably practicable after an event leading to a claim. Failure to notify us may affect our acceptance of a claim or result in the amount we pay being reduced if it is made so long after the event that we are unable to investigate it fully. Bupa Travel Insurance Claims 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. We will ask the claimant to complete a claim form and to provide at their own expense all reasonable and necessary evidence required by us to support a claim. If the information supplied is insufficient, we will identify the further information which is required. If we do not receive the information we need, we may reject the claim. For further details about claims, please refer to General conditions on page 20 & 21. To help us to 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. How to make a complaint We believe you deserve a courteous, fair and prompt service. If there is any occasion when our service does not meet your expectations please contact us using the appropriate contact details below, providing the Policy/ Claim Number and the name of the Policyholder/Insured Person to help us to deal with your comments quickly. Claims related complaints, apart from those in respect of section M1 (Scheduled airline failure) and section M2 (End supplier failure): The Customer Care Manager Bupa Travel Insurance Claims Shoreham Airport, Shoreham by Sea, West Sussex BN43 5FF. Phone: 0845 602 7067 E-mail: uk.claims@travelguard.com All other complaints, apart from those in respect of section M1 (Scheduled airline failure) and section M2 (End supplier failure): The Sales and Service Manager Bupa Travel Insurance Shoreham Airport, Shoreham by Sea, West Sussex BN43 5FF. Phone: 0845 601 0559 E-mail: info@bupa-travel.co.uk (For details of how to register a complaint relating to section M1 (Scheduled airline failure) and section M2 (End supplier failure) please see page 33). We will acknowledge the complaint within 5 business days of receiving it, keep you informed of progress and do our best to resolve matters to your satisfaction within 8 weeks. If we are unable to do this you may be entitled to refer the complaint to the Financial Ombudsman Service (FOS) who will review your case. We will provide full details of how to do this when we provide our final response letter addressing the issues raised. Please note: The FOS will not consider a complaint if you have not provided us with the opportunity to resolve it previously. The FOS address is: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Phone: 0800 0 234 567 (free for people phoning from a “fixed line”, i.e. a landline at home) Phone: 0300 123 9 123 (free for mobile-phone users who pay a monthly charge for calls to numbers starting 01 or 02) Email: complaint.info@financial-ombudsman.org.uk General definitions We use words in this policy which have a specific meaning, and sometimes those meanings are unique to this policy. These words are shown below and each time one of them is used in the policy, it is shown in bold type and the meanings below apply. Plural forms of the words defined have the same meaning as the singular form. Please also refer to the section details on pages 29, 33, 35 and 37 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 five 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 A person who is 17 years of age or under. 20 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. Flood A general and temporary covering of water of two or more acres of normally dry land. Home An insured person’s usual place of residence within the United Kingdom. Insured person The person shown on the policy 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 does not involve machinery). Natural catastrophe Volcanic eruption, floo</p>
