RBS Select Silver Travel Policy

Select Silver Account
Travel Insurance Policy
Generated at: Fri Sep 27 14:10:22 2013
Contents
Summary of Important Information
Welcome to Select Silver European Travel Insurance
Who we are
SECTION 1: HOW TO USE THIS POLICY

How to make a claim
Emergency Assistance - our 24 hour emergency service
Who is covered?
How to arrange additional optional cover
What to do if you have a medical condition
How to make a complaint
Statement of demands and needs
SECTION 2: DEFINITIONS, EXCLUSIONS & CONDITIONS

Definitions commonly used words in this policy
General Exclusions
General Conditions
If delay causes you to exceed the maximum day limit for a Journey
The contract
Law applicable to the contract
Sharing of claims and underwriting information
Your information
Reciprocal health agreements
SECTION 3: INCLUSIVE COVER

PART A BAGGAGE
PART B PERSONAL ACCIDENT
PART C CANCELLATION
PART D CURTAILMENT OF A JOURNEY
PART E MEDICAL AND EMERGENCY EXPENSES
PART F PERSONAL LIABILITY
PART G PERSONAL MONEY
PART H TRAVEL DELAY AND TRAVEL ABANDONMENT
PART I MISSED CONNECTIONS
PART J FAILURE OF PUBLIC TRANSPORT
PART K LOSS OF PASSPORT/DRIVING LICENCE
PART L HOSPITAL BENEFIT
PART M LEGAL COSTS
PART N ADDITIONAL ASSISTANCE SERVICES
PART O MUGGING
PART P EXTENDED KENNEL, CATTERY OR PARKING COSTS
PART Q DENTAL EXPENSES
PART R WINTER SPORTS JOURNEYS UP TO 22 DAYS
PART X HIJACK
SECTION 4: ADDITIONAL OPTIONAL COVER

PART T BUSINESS COVER
PART U GOLF COVER
PART V WEDDING COVER
PART W HAZARDOUS ACTIVITIES
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Select Silver European Travel

Insurance Policy
Policy Number: AP21840319
SUMMARY OF IMPORTANT
INFORMATION
It is recommended that you read this booklet before
travelling. Whilst the whole policy is important, you
should pay particular attention to all definitions,
exclusions, conditions and claims conditions. You
should carry this booklet with you whenever you are
travelling.
You can only benefit from cover whilst you are a
Select Silver Account Holder, are aged under 70
and live in the United Kingdom.
If you are aged 70 or over, you can call us on
0845 607 5154 to pay an additional premium for
cover to apply to your Journeys. We will confirm
cover in writing.
If you have or are diagnosed with a medical
condition, please read the relevant sections of the
policy on page 15 relating to medical conditions
and call us on 0845 607 5154 as we may still be
able to provide cover (but this may incur an
additional cost).
Please note that:

i. if a member of your Immediate Family, a Close
Business Associate (whether they are travelling
or not) or anyone travelling in your party has
been a hospital inpatient or has been put on a
waiting list for hospital treatment for a medical
condition in the 12 months prior to you booking
the Journey, then this policy will not cover you
for the subsequent cancellation of that Journey
if the claim for cancellation arises as a result of
the medical condition.

ii. If you book a Journey and are subsequently
diagnosed with a medical condition, this policy
will provide you with cover for that Journey
unless you have been advised by a Medical
Practitioner not to travel.

iii. Please call us on 0845 607 5154 to tell us about
any newly diagnosed medical condition before
you book any new Journeys to ensure that you
are covered. Further details are on page 15.
There is a maximum limit of 22 days for each
Journey. If you intend to take a longer Journey, we
are unable to extend this policy to cover you and
this policy will not insure any part of the Journey.
To obtain a duplicate Select Silver European Travel
Insurance policy document, contact Membership
Services on 0845 607 5154 or log on to
Membership Services website at
rbs.co.uk/silveraccountbenefits.
If you require confirmation of cover, we recommend
that you use this booklet and a bank statement to
show that you are entitled to this insurance.
Please note that it is not a legal requirement to
have travel insurance to book a holiday, however,
you may require proof of insurance if you need a
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visa. If you require further confirmation of cover,

you should contact Membership Services at least
10 working days before you need it and we will
send you additional confirmation of cover in writing.
We may charge you an administration fee for
providing additional confirmation of cover.
This brochure is also available in Braille, large print
and on audiocassette. Please contact your local
branch for details and to obtain a copy of The
Disability Discrimination Act How we make our
services accessible to everyone leaflet.
All cover will stop upon closure of your Select
Silver Account.
Welcome to Select Silver

European Travel Insurance
DEFAQTO
Research was carried out by Defaqto Ltd, a supplier
of quality research and analysis in the financial
market. Using their product DNA score methodology
and by comparing a wide range of product features
they have given this Select Silver European Travel
Insurance policy a 2013 5-Star rating.
Who we are
Select Silver European Travel Insurance is underwritten
by U K Insurance Limited (UKI), a company registered in
England & Wales with Company Number: 1179980 and
having its registered office at The Wharf, Neville Street,
Leeds LS1 4AZ. UKI is owned by Direct Line Insurance
Group plc. The Royal Bank of Scotland Group plc, parent
company of The Royal Bank of Scotland plc has a
shareholding stake in Direct Line Insurance Group.
UKI is authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority, registration number
202810. The Financial Conduct Authority website, which
includes a register of all regulated firms can be visited
at www.fca.org.uk, or the Financial Conduct Authority
can be contacted on 0800 111 6768. The Prudential
Regulation Authority website can be visited at
www.bankofengland.co.uk/pra, or the Prudential
Regulation Authority can be contacted on 020 7601 4878.
Under the Financial Services and Markets Act 2000,
should UKI be unable to meet all its liabilities to
policyholders, compensation may be available. Insurance
advising and arranging is covered for 90% of the claim
without any upper limit. For compulsory classes of
insurance, insurance advising and arranging is covered for
100% of the claim, without any upper limit. Information
can be obtained on request, or by visiting the Financial
Services Compensation Scheme website at fscs.gov.uk
SECTION 1: HOW TO USE

THIS POLICY
This Section explains how this policy is set out and how
to use it. It also gives important details on who is entitled
to cover under the policy and how you can contact us
to check whether you are covered or arrange additional
cover in connection with medical conditions. It also

explains how you can make a claim and how you can
access our 24 hour Emergency Service Emergency
Assistance and how you can make a complaint if you
are not happy with any aspect of our service.
Section 2 contains the Definitions and General Conditions
and General Exclusions which are used and apply
throughout the other Sections of this policy. If you have
any doubt as to the extent of cover under the policy
or the effect of any condition on your cover you can
contact us by telephone on 0845 607 5154 or through
the Membership Services website at
rbs.co.uk/silveraccountbenefits.
Section 3 of the policy details the cover that is inclusive
with the policy. Each Part within Section 3 deals with the
cover that is available under this policy and details the
limits that apply and anything that is specifically excluded
from cover.
Section 4 of the policy details some instances where
cover is not provided as part of the standard policy
but where optional additional cover can be arranged
by contacting us. Any additional cover arranged in
accordance with Section 4 of the policy may be subject
to an additional premium. Further information on how to
contact us to arrange additional cover is detailed below.
How to make a claim
To notify us of a claim in the first instance please
telephone 0845 607 5154 8am6pm MondayFriday
and we will assist you. To help us validate your policy
please have your Select Silver membership number
available when you call.
Emergency Assistance
our 24 hour emergency service
Our Emergency Assistance service provides a 24-hour
emergency travel service, which includes medical
assistance, and a personal travel referral service for
Select Silver Account Holders travelling Abroad. Our
Emergency Assistance service is not available while you
are in the United Kingdom.
What to do in the event of an emergency:
Contact our Emergency Assistance service as quickly as
possible in the event of illness or accident (where costs
are likely to be greater than 500) or any other emergency
situation, such as the loss of a passport by anyone entitled
to cover under the policy whilst Abroad by calling:
(c) Assistance upon arrival in the UK is provided where

medically necessary.
Our Emergency Assistance co-ordinators are, in most
cases, multilingual and able to converse with doctors
and hospitals Abroad. You may also call our Emergency
Assistance service for information relating to emergency
health matters when travelling Abroad.
Our Emergency Assistance service can also provide the
following services:
Medical advice
Our Emergency Assistance service will:
Provide you with the names and addresses of
suitable doctors, hospitals, clinics and dentists in
your location when consultations or minor treatment
is required.
Arrange for a doctor to call and, if necessary,
arrange hospitalisation.
One of our Emergency Assistance services medical
officers will continue monitoring the patients
condition.
Help obtain any medication required if it is not
obtainable locally and dispatch it to the patient.
Money advance
If you are unable to obtain sufficient funds locally, a cash
advance of up to 500 can be arranged if needed for a
genuine emergency. A guarantee of repayment to cover
the amount will be required.
Message line
Our Emergency Assistance service can pass on up to two
messages to relatives or business associates if medical
or travel problems disrupt your travel schedule.
Document care
Our Emergency Assistance service can help with the
replacement of lost or stolen tickets and travel documents
and referral to suitable travel offices.
Who is covered?
All Select Silver Account holders who are under 70 years
of age are eligible for cover under the policy. Also covers
persons 70 years of age and over who have contacted us
and we have agreed to provide additional cover.
The policy will cover all Select Silver Account Holders
irrespective of whether they are travelling together or
independently of each other.
Telephone 0125 230 8791

(from Abroad +44 125 230 8791)
Fax 01252 740 111
(from Abroad +44 1252 740 111).
How to arrange additional optional cover

To arrange additional optional cover for:
(a) Persons who are 70 years of age or over; and
(b) Any of the instances listed in Section 4 of the policy
where additional optional cover is available.
Please state that you are a Select Silver customer and

provide as much detail as you can in connection with
the problem.
Please contact the Select Silver European Travel

Insurance help line on 0845 607 5154 8am8pm
MondayFriday and 9am5pm Saturday.
An experienced co-ordinator will deal with your enquiry

and will then ensure that, where necessary:
(a) Hospitals are contacted and payment of necessary
fees guaranteed.
(b) Medical Advisors are consulted at the outset for
their views on the possibility of arranging your
return to the UK.
NOTE: As the policy automatically covers all Account

Holders, if you do call us to arrange additional optional
cover, we will not issue documents containing the names
of these people automatically unless a medical condition
is disclosed to us, then under the Disability Discrimination
Act we will write to the person with that condition.
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What to do if you have a medical condition

Call us on 0845 607 5154 to tell us about any medical
condition that may affect the cover available under
this policy.
If you have a Pre-Existing Medical Condition:
At the time of opening the Select Silver Account and
before you book a Journey, you can call us at any time
on the number above to tell us about a Pre-Existing
Medical Condition. We will tell you:
i. if we can cover that condition for free; or
ii. if we can cover that condition on the payment of
an additional premium; or
iii. if we cannot cover the condition.
If we cannot cover the Pre-Existing Medical Condition we
will write to you to confirm what we tell you over the phone.
You must contact us and tell us before you book a
Journey, if you:
Are receiving in-patient treatment or are waiting
to receive treatment; or
Have been prescribed medication in the last 12
months, whether currently taking it or not;
Have been diagnosed or treated with a heart or
cancer related condition in the past 12 months;
Have been given a terminal prognosis;
Are aware of a reason why you may not be able
to go on the Journey or continue with it;
Are diagnosed with any of the medical conditions
below:

a circulatory condition (problems with blood
flow, including high blood pressure) or a
breathing condition (including asthma);

a ny joint and bone condition;

a ny gastrointestinal (stomach) condition; or

d iabetes.
Please note that if you do not contact us in this way,
your cover may not be valid if you make a claim.
If we are unable to cover your Pre-Existing Medical
Condition we will not pay claims that are Directly Related
to the excluded Pre-Existing Medical Condition.
If you are diagnosed with a medical condition after
you book a Journey but before you leave:
If you are diagnosed with a new medical condition, this
insurance will cover you to:
(a) Cancel the Journey if due to your newly diagnosed
medical condition, you are unable to travel;
(b) Continue with the Journey, as long as you are not
travelling against medical advice.
This policy will not cover you at any time to:
(a) Travel to obtain medical treatment;
(b) Travel against medical advice.
Where we have made a decision with regard to
covering a medical condition:
Where we either agree to cover or decline to cover
medical conditions, we will apply those terms for a
12 month period and at the end of this period we will
send you a letter asking you to call us again, so that we
can assess the cover for your medical condition(s) again.
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Our medical risk assessment system is updated

frequently and we reserve the right to amend our medical
risk assessment outcomes, so you may find that one year
we might be unable to cover your medical condition(s)
but at a later date we might be able to or that any
additional premium charged may change.
How to make a complaint
Should there ever be an occasion where you need to
complain, please call us on 0845 607 5154.
If you prefer to write, then please address any claimsrelated complaints to: RBS Select Silver Claims Services,
Waverly House, Farnham Business Park, Weydon Lane,
Farnham, Surrey GU9 8QT.
All other complaints should be addressed to:
RBS Select Silver European Travel Insurance
Customer Services, PO Box 106, 37 Broad Street,
Bristol BS99 7NQ.
If we cannot resolve the differences between us, you may
refer your complaint to the Financial Ombudsman Service
(FOS). Their address is: South Quay Plaza, 183 Marsh Wall,
London E14 9SR, telephone 0800 023 4567.
Statement of demands and needs
We have not provided you with a personal
recommendation as to whether this policy is suitable for
your specific needs. This product meets the demands
and needs of those who wish to insure their travel
arrangements.
SECTION 2: DEFINITIONS,
EXCLUSIONS & CONDITIONS
These definitions, exclusions and conditions apply to the

whole policy
Definitions commonly used words in this policy
Any word defined below will have the same meaning
wherever it appears in the travel insurance policy and
any endorsements.
Account Holder means the holder or joint holders of
a Select Silver Account.
Abroad means outside the United Kingdom but
within Europe.
Anticipated Event means any event or occurrence
which you or your Immediate Family knew would occur
or could have reasonably have expected to occur during
your Journey and which you or your Immediate Family
were aware of at the time of booking.
Attire means clothing bought especially for the
ceremony including hair styling and flowers.
Bodily Injury means an injury to the body resulting
solely and directly from accidental, outward, violent and
visible means (including direct exposure to the elements).
Business Equipment means any computer
equipment, facsimile machines, photocopiers,
typewriters, word processing equipment, fixed
telecommunications equipment, business books,
stationery and office equipment all owned by you or for
which you are legally responsible.
Business Samples means all business stock owned

by you or for which you are legally responsible.
Close Business Associate means any person whose
absence from business for one or more complete days
at the same time as your absence prevents the effective
continuation of that business.
Court means any court, tribunal or other suitable authority.
Curtailment/Curtail means cutting short your Journey
after its commencement to return to your Home Address
or business address.
Directly Related means situations where the Account
Holder or any person covered under the policy has
previously suffered from the same medical condition or
illness. We would not consider conditions such as high
blood pressure or high cholesterol to be directly related
to a claim for a heart attack.
Europe means:
(a) the following countries and territories:
Albania, Algeria, Andorra, Austria, Belarus, Belgium,
Bosnia and Herzegovina, Bulgaria, Croatia, Czech
Republic, Denmark, Egypt, Estonia, Finland, France,
Germany, Gibraltar, Greece, Hungary, Iceland,
Ireland, Israel, Italy, Jordan, Latvia, Lebanon, Libya,
Liechtenstein, Lithuania, Luxembourg, Macedonia,
Moldova, Monaco, Montenegro, Morocco,
Netherlands, Norway, Poland, Portugal, Romania,
Russia (West of Urals), San Marino, Serbia,
Slovakia, Slovenia, Spain, Sweden, Switzerland,
Syria, Tunisia, Turkey, Ukraine, United Kingdom,
Vatican City; and
b) For the avoidance of doubt the following islands and
territories are covered by this policy:
Aland, Azores, Balearic Islands, Canary Islands,
Channel Islands, Corsica, Cyprus, Faroe Islands,
Greek Islands, Isle of Man, Madeira, Malta,
Sardinia, Sicily and Svalbard.
Excess means the amount we will deduct from a
claim. This amount is payable for each person covered
under the policy claiming, per claim registered. Where
a single incident gives rise to a claim under two or
more Parts or Sections of cover, only one excess will be
payable for each person covered under the policy.
Excluded Activities mean:
Flying (except while travelling in a fixed-wing
aircraft or helicopter as a passenger, not as a pilot
or aircrew, nor for the purpose of undertaking any
trade or technical operation in or on the aircraft),
hang-gliding, ballooning, paragliding, parachuting,
parascending or other aerial activities;
Motorcycling on machines exceeding 125cc unless
you hold a full motorcycle licence and have done so
for at least three years and are accident and conviction
free. In all cases, whether using a motorcycle as a
rider or a passenger a helmet must be worn.
Mountaineering or cliff or rock climbing
necessitating the use of ropes or guides or trekking
on mountains higher than 5,450 metres.
Potholing or canyoning.
Engaging in or practising for speed or time trials,
sprints or racing of any kind.
Manual Work of any kind.

White water rafting, canoeing or sailing outside
territorial waters, unless undertaken under suitably
qualified supervision as a pre-paid element of
the Journey.
SCUBA diving unless you are a qualified diver and
you are accompanied at all times with another
qualified diver or, if you do not hold a SCUBA diving
certificate, you are accompanied at all times by a
qualified diving instructor and in any instance
SCUBA diving beyond a depth of 30 metres is
excluded.
Professional sports.
Bungee jumping.
This list is not exhaustive. If you are participating in
any activity which is not listed please call us on
0845 607 5154 to confirm if cover applies. In some
cases we may charge an additional premium. We
reserve the right not to extend this policy to cover you.
Extra Accommodation means any hotel room,
apartment or villa. It does not include items such as
food, drink, telephone calls (except to our Emergency
Assistance service), newspapers and taxis.
Golf Equipment means a complete set of golf clubs
normally carried in a golf bag, regardless of whether
purchased as a set or individually.
Home Address means your normal residence in the
United Kingdom.
Hi-jack/hi-jacked refers to circumstances where a
vehicle in which you are travelling is taken over illegally.
Immediate Family means your Partner, fianc,
fiance, parents, parents-in-law, step-parents, son,
son-in-law, daughter, daughter-in-law, brother, brotherin-law, sister, sister-in-law, stepchildren, legal guardian,
grandparents, grandchildren, children.
Insured Couple means the two individuals who are
insured under this policy who are due to get married
or enter into a civil partnership during a Journey. If the
betrothed Partner is not normally insured under this
policy, we will extend cover under all Sections when the
wedding or civil partnership has been booked to take
place Abroad.
Journey means:
A trip Abroad, leaving from and returning to the UK,
of no more than 22 days that starts and ends at
your Home Address. It can be for business or
pleasure, but it must not involve Manual Work.
Trips involving Winter Sports Activities are limited to
22 days per trip; or
A trip in the UK, where you are staying in prebooked accommodation for at least 2 nights or less
than 22 days, that doesnt belong to a member of
your family or a friend, which is at least 25 miles
from your Home Address.
Legal Costs means legal costs reasonably and
proportionately incurred by your Solicitor. We will also
pay costs which you are ordered to pay by a Court and
any other costs we agree to in writing.
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Loss of Limb means an injury where a limb is

permanently severed either at or above the wrist or ankle
or total loss of a complete foot, leg, hand or arm.
Loss of Sight means a loss of vision where the degree
of sight remaining in one eye, after correction, is 3/60 or
less on the Snellen Scale (this means seeing at three feet
what you should see at 60 feet), or in both eyes if your
name is added to the Register of Blind Persons on the
authority of a fully qualified ophthalmic specialist.
Manual Work means any work, which involves using,
installing or maintaining equipment or machinery,
building or construction work and caring for children in
any capacity.
Material Fact means anything that might alter,
change or influence the continuation of this insurance
cover on the same terms, such as Pre-Existing Medical
Conditions, criminal convictions and possible participation
in Excluded Activities or hazardous activities, etc.
Medical Advisor(s) means a senior medical officer
appointed by the Emergency Assistance service.
Medical Practitioner means a person other than you,
a member of your family or anyone travelling with you,
who is qualified and registered as a medical practitioner
by a recognised competent authority.
Mugged/Mugging means a violent attack on you with
a view to theft by person(s) not previously known to you,
which occurs Abroad.
Partner means the person that the Account Holder
lives with at the Account Holders Home Address in
a relationship, whether married or cohabiting, as if
husband and wife or civil partners regardless of gender.
Personal Money means your cash, letters of credit,
travel tickets and hotel vouchers, all held for your private
purposes and includes the wallet or purse in which these
items are carried.
Personal Possessions means your suitcases or
similar items taken or bought on a Journey and their
contents, which are designed to be worn or carried
(including pushchairs and wheelchairs).
Pre-Existing Medical Condition means a pre-existing
medical condition that at the time of booking the Journey
or opening the Select Silver Account falls within any of
the medical conditions mentioned in the What to do if
you have a medical condition Section of Section 1.
Public Transport means the following scheduled
services: train, coach, bus, taxi, aircraft or sea vessel.
Redundant means any person being made
involuntarily unemployed, who is 65 years or less and
under the normal retirement age for someone holding
that persons position, and who has been employed for
two continuous years with the same employer at the time
of being made unemployed.
Secure Area means the locked boot of a motor vehicle.
This includes the locked luggage compartment of a
hatchback or estate vehicle fitted with a lid, fixed tray or roller
blind that closes off the luggage area behind the rear seats.
Single Article means one item, pair or set of articles

(this doesnt include Golf Equipment).
Ski Equipment means skis (including bindings),
clothing, snowboards, boots and poles either owned
or hired by you.
Ski Pack means pre-paid lift pass, ski school and
equipment hire fees or combination of these items.
Solicitor means any suitably qualified person
appointed to represent you under Section 3 Part M.
Terrorism/Terrorist Act means an act or threat of
action by a person or group of people, whether they
are acting alone or with other people, organisations
or governments, for political, ethnic, racial, religious,
ideological or similar purposes to influence any
government or to frighten the public or any section
of it. An act or action here means:
violence against a person;
damage to property;
putting a persons life in danger;
creating a health risk to the public or a section
of it; or
interfering with or seriously disrupting electronic
systems or transport services.
Total Permanent Disablement means a disability
preventing you from doing any work of any kind for
52 weeks and at the end of this period there is no
reasonable hope of improvement.
United Kingdom/UK means England, Channel Islands,
the Isle of Man, Northern Ireland, Scotland and Wales.
Valuables means photographic, audio, computer,
video and electrical equipment of any kind (including
CDs, Mini Discs, DVDs, TVs, electronic games, MP3
players, iPods, personal digital assistants (PDAs), video
and audio tapes), telescopes, binoculars, sunglasses,
glasses, spectacles, mobile phones, musical instruments,
jewellery, watches, furs, leather goods, animal skins and
items made of or containing gold, silver, precious metals
or precious or semi-precious stones.
we/our/us means UKI and all our agents.
Winter Sports Activities means on-piste skiing and
snowboarding, snow cat skiing, mono skiing, ski bobbing,
ice-skating, curling, tobogganing, snow-mobiling, ice
hockey, mono skiing. Off-piste skiing and snowboarding
must be undertaken with a qualified instructor only.
Cross-country skiing on locally recognised tracks only.
your/you/Insured Person means the Account Holder(s)
General Exclusions
These General Exclusions apply to the whole policy.
This policy excludes any claim arising from:
(a) Any consequence of war, invasion, act of foreign
enemy, hostilities (whether war be declared or
not), civil war, rebellion, revolution, insurrection
or military or usurped power, Terrorism/Terrorist
Act unless they are claims under Section 3: Part B
Personal Accident or Part E Medical and Emergency
Expenses except where nuclear, chemical or
biological weapons/agents are used.
(b) Whether directly or indirectly caused by:

i. ionizing radiation or contamination by radioactivity
from any nuclear fuel or from any nuclear waste
from the combustion of nuclear fuel;

ii. the radioactive, toxic, explosive or other
hazardous properties of any explosive
nuclear assembly or nuclear component
of such assembly;

iii. pressure waves caused by aircraft and other
aerial devices travelling at sonic or supersonic
speeds.
(c) Death, injury, illness or disablement resulting from
suicide, attempted suicide, deliberately injuring
yourself or wilful exposure to danger (except in an
attempt to save human life).
(d) Injury, illness or disablement resulting from a
sexually transmitted disease.
(e) Death, injury, illness, or disablement, resulting
from the influence of intoxicating liquor or drugs
(other than drugs taken under medical supervision
and not for the treatment of drug addiction) or
solvent abuse.
(f) Any claim caused by drinking too much alcohol
or alcohol abuse. We do not expect you to avoid
drinking alcohol on your Journeys or holidays,
but we will not cover any medical claims arising
because you have drunk so much alcohol that your
judgement is seriously affected.
(g) Bankruptcy/liquidation of any tour operator, travel
agent or transportation company.
(h) Claims and losses that are not directly associated
with the incident that caused the claim. For
example, loss of earnings due to being unable to
return to work following injury or illness happening
whilst on a Journey or the cost of replacing locks in
the event that keys are lost.
(i) Your unlawful act.
(j) A medical condition of a close relative, Close
Business Associate (whether they are travelling
or not) or anyone travelling in your party who at
the time of you booking your Journey, in the past
12 months:
has been a hospital inpatient or been put on a

waiting list for hospital treatment.
has had or been diagnosed with cancer.

(k) Air travel (other than as a fare-paying passenger
on a regular scheduled airline or licensed
charter aircraft).
(l) Manual Work, Excluded Activities or hazardous
activities of any kind unless you have arranged
and paid the premium for the Optional Hazardous
Activities cover detailed in Section 4: Part W.
(m) Travel to areas where, at time of booking the
Journey or thereafter but before you travel,
the Foreign & Commonwealth Office has
advised against travel to. If you are unsure
please contact them on 0845 850 2829, email
TravelAdvicePublicEnquires@fco.gov.uk or visit
fco.gov.uk
(n) Any travel or intended travel to a location outside
of Europe.
General Conditions
(a) You must tell us about any claim as soon as
reasonably possible. Any increase in costs caused
by your delay in telling us will not be covered by
this policy.
(b) You or any person acting on your behalf must
not, under any circumstances, negotiate, admit or
repudiate any claim without our written consent.
(c) You must tell us if you become aware of any Court
order to do or stop doing something, order to attend
Court or impending prosecution in connection to a
claim or potential claim.
(d) You must forward every communication relating to
a claim to us without delay.
(e) You must take all reasonable steps to prevent any
loss, damage or accident. If you do not we may not
pay your claim.
(f) The expense of supplying all certificates,
information and evidence, which we may require,
will be borne by you or your legal representative.
When a claim for Bodily Injury or illness occurs,
we may request and pay for any Insured Person
covered under this policy to be medically examined
on behalf of us. We may also request and will
pay for a post mortem examination if any Insured
Person covered under this policy dies.
(g) If at the time of any incident which results in any
other insurance covering the same costs, loss,
damage or liability or any part of such we will pay
our share in proportion to the sum insured of the
claim except under Sections 3: Parts H, I, J where
we will pay the full claim subject to the policy limits.
(h) We are entitled to take over and conduct in your
name defence or settlement of any legal action. We
may also take proceedings at our own expense and
for our own benefits, but in your name to recover
any payment we have made under the policy to
anyone else.
(i) If any claim is found to be fraudulent in any way
(this includes exaggerating the amounts of the
claim) this policy will not apply and all claims will be
forfeited. It is a criminal offence to make fraudulent
claims and you could be prosecuted.
(j) We may at any time pay to you our full liability
under the policy after which no further payments
will be made in any respect. We do not have to
accept any items that are recovered or damaged
beyond repair.
(k) From time to time it might be necessary to change
the terms of your policy. When this situation arises
you will be advised accordingly. Any such changes
will only apply to Journeys booked by you after the
changes take effect.
(l) It is a condition of this insurance that all Material
Facts are disclosed to us. Failure to do so may
invalidate this insurance leaving you no right to
make a claim. We reserve the right to not extend
the policy.
(m) You must let us know of any medical conditions as
set out under What to do if you have a medical
condition in Section 1 of this policy.
9
If delay causes you to exceed the maximum day

limit for a Journey
If during the period of the Journey you are delayed through
no fault of your own, and your Journey is not completed
before the expiry of the period of the Journey, then cover
will be extended without additional premium for as long as
it is reasonably necessary for the completion of the Journey.
The contract
The policy is evidence of the contract between you and us.
The policy and any endorsement (being statements issued
by us to record any agreed alterations to the contract as
originally completed, for example changes to your coverage
following the notification of a medical issue) are to be read
as one document and any word or expression used with
a specific meaning in any of them has the same meaning
wherever it appears. The conditions that appear in the
policy or in any endorsement are part of the contract and
must be complied with. Failure to comply may mean that
claims will not be paid.
Law applicable to the contract
If your address is in Scotland, Scottish law applies to
the contract between you and us. If your address is
elsewhere, English law applies to the contract between
you and us. The law which we take as the basis for
establishing relations with you prior to the conclusion of
the contract is the law of England (unless your address is
in Scotland, in which case it will be the law of Scotland).
The Courts of England and Wales shall have nonexclusive jurisdiction over any disputes arising between
you and us that are not resolved by other means (unless
your address is in Scotland, in which case the Courts of
Scotland shall have non-exclusive jurisdiction).
Sharing of claims and underwriting information
UKI exchange information with other insurers through
various databases to help check the information provided
and also to prevent fraudulent claims. In the event of
a claim, the information you have supplied on your
application form, together with the information you
supply on a claim form and other information relating
to a claim, will be put on record and made available to
other insurers.
p Your information
Who we are
Select Silver European Travel Insurance is underwritten by
U K Insurance Limited (UKI). You are giving your information
to UKI. UKI is owned by Direct Line Insurance Group plc.
The Royal Bank of Scotland Group plc, parent company
of The Royal Bank of Scotland plc has a shareholding stake
in Direct Line Insurance Group. In this Information statement
we us and our refers to UKI unless otherwise stated.
For information about our group of companies please visit
rbs.com and click on About Us, or for similar enquiries
please telephone 0131 556 8555 or Minicom number
0845 900 5960.
Your electronic information
If you contact us electronically, we may collect your
electronic identifier e.g. Internet Protocol (IP) address or
telephone number supplied by your service provider.
10
How we use your information and who we share it with

We will use your information to manage your insurance
policy, including underwriting and claims handling. This
may include disclosing it to other insurers, third party
underwriters and reinsurers.
Your information comprises all the details we hold about
you and your transactions and includes information
obtained from third parties.We may use and share your
information with other members of the Royal Bank of
Scotland Group to help us and them:
assess financial and insurance risks;
recover debt;
prevent and detect crime;
develop our services, systems and relationships
with you;
understand our customers requirements; or
develop and test products and services.
We do not disclose your information to anyone outside
the Group except:
Where we have your permission; or where we are
required or permitted to do so by law; or to credit
reference and fraud prevention agencies and other
companies that provide a service to us or you; or where
we may transfer rights and obligations under this
agreement. We may transfer your information to other
countries on the basis that anyone to whom we pass
it provides an adequate level of protection. However,
such information may be accessed by law enforcement
agencies and other authorities to prevent and detect
crime and comply with legal obligations.
From time to time we may change the way we use your
information. Where we believe you may not reasonably
expect such a change we shall write to you. If you do
not object to the change within 60 days, you consent to
that change.
Sensitive Information
Some of the personal information we ask you for may be
sensitive personal data, as defined by the Data Protection
Act 1998 (such as information about health or criminal
convictions). We will not use such sensitive personal
data about you or others except for the specific purpose
for which you provide it and to provide the services
described in your policy documents.
You will have been asked to agree to this when you
first contacted us but please ensure that you only provide
us with sensitive information about other people with
their agreement.
Credit Reference Agencies
To assess your insurance application and the terms on
which cover may be offered, we may obtain information
about you from credit reference agencies to check your
credit status and identity. The agencies will record our
enquiries. This will not affect your credit standing.
Fraud prevention and detection
Please take time to read the following as it contains
important information relating to the details you have
given or should give to us. You should show this notice to
anyone whose data has been supplied to us in connection
with your policy. To prevent and detect fraud we may at
any time: Share information with other organisations and
public bodies including the police although we only do so

in compliance with the Data Protection Act 1998.Check
and/or file details with fraud prevention agencies and
databases and if we are given false or inaccurate information
and we identify fraud, we will record this. We and other
organisations may also use and search these agencies
and databases from the UK and other countries to:
help make decisions about the provision and
administration of insurance, credit and related
services for you and members of your household;
trace debtors or beneficiaries, recover debt, prevent
fraud, and to manage your accounts or insurance
policies; or
check your identity to prevent money laundering,
unless you provide us with other satisfactory proof
of identity. Law enforcement agencies may access
and use this information.
We and other organisations may also access and use
this information to prevent fraud and money laundering,
for example when:
Checking applications for, and managing credit and
other facilities and recovering debt;
Checking insurance proposals and claims;
Checking details of job applicants and employees.
We, and other organisations that may access and use
information recorded by fraud prevention agencies, may
do so from other countries.
We can provide the names and addresses of the agencies
we use if you would like a copy of your information held
by them. Please contact us at the address below. The
agencies may charge a fee.
If you would like a copy of the information we hold
about you, please write to: The Data Protection Officer,
Compliance Department, Churchill Court, Westmoreland
Road, Bromley BR1 1DP quoting your reference. A fee
may be payable.
If you would like to obtain information held about you by
The Royal Bank of Scotland plc, please write to: TheData
Protection Officer, 36 St. Andrew Square, Edinburgh
EH22YB. A fee may be payable.
HAVE A SAFE TRIP
We are working with the Foreign & Commonwealth Office
to do all that we can to help British travellers stay safe
overseas. Before you go overseas, check out the FCO
web site at: fco.gov.uk/knowbeforeyougo It is packed
with essential travel advice and tips, and up to date
country specific information.
Reciprocal health agreements
European Union Countries
The United Kingdom has reciprocal health agreements
with other countries of the European Economic Area
(EEA). To obtain medical treatment in these countries,
you must produce a European Health Insurance Card
(EHIC) formerly known as the E111 form. In order
to obtain the card visit the EHIC web site. The EHIC
replaced the E111 form with effect from 1 January 2006.
The EHIC is valid for five years from the date of issue.
The EHIC gives you access to treatment that becomes
medically necessary during a temporary visit to EEA
(European Economic Area) countries or Switzerland.
People who are ordinarily resident in the UK can apply for
an EHIC. Each individual travelling requires a card and is
valid in State run hospitals/clinics.
SECTION 3: INCLUSIVE COVER

PART A BAGGAGE
What you are covered for

(a) Baggage
We will provide cover for up to a maximum of 1,500 per
claim for each Insured Person for Personal Possessions
that are lost, damaged, stolen or destroyed whilst on your
Journey. The limits for individual items are given below.
The Single Article limit is 300.
The Valuables limit is 500.
(b) Emergency replacement items
If your Personal Possessions are temporarily lost on the
outbound Journey from the UK and not restored to you:
1. Within 4 hours, we will cover the cost of essential
replacement items up to the value of 100.
2. After 12 hours, we will cover the cost of further
essential replacement items up to the further value
of 150, giving 250 in total.
3. After 48 hours, we will cover the cost of further
essential replacement items up to the further value
of 400, giving a total of 650.
The most we will pay under Section b of this Part A is
650, regardless of the number of people claiming.
Claims conditions
In addition to anything mentioned in the General
Conditions in Section 2 of this policy, in order for your
claim to be considered you must:
1. Keep your tickets and luggage tags.
2. Report any loss to the carriers or the police within
24 hours of discovery of the loss.
3. Take all steps to recover property, which is lost
or stolen.
4. Obtain a property irregularity report from the
carriers within three days of the incident or where
you have reported the loss to the police authorities
in the country where the loss occurred within 24
hours of discovery and obtain a copy of the report.
5. Follow the carriers conditions of carriage.
6. Provide us with proof of ownership for the items
you are claiming for to substantiate your claim.
If your Personal Possessions prove to be permanently
lost, the overall limit under Section a of this Part A will
apply. You must provide us with as much information
as possible to substantiate your claim and where
necessary make every attempt to recover your
Personal Possessions.
11
What you are not covered for (exclusions)

Exclusions in Section 2 of this policy, we will not pay for
loss, damage, theft or destruction of:
(a) Valuables left in luggage whilst in transit and
outside the control of the Insured Person.
(b) Valuables left in a motor vehicle.
(c) Valuables and Personal Possessions which are
kept in your locked personal accommodation or
safety deposit box and force and violence has not
been used to gain entry to your locked personal
accommodation or safety deposit box;
(d) Personal Possessions that are left in any motor
vehicle (excluding caravans and motor homes)
unless they are kept in the Secure Area of the
motor vehicle and evidence that force and violence
has been used to gain entry.
(e) Valuables and Personal Possessions:

1. Caused by wear and tear, loss of value, moth,
vermin and atmospheric or climatic conditions,
gradually operating causes or by any cleaning,
repairing or restoring process.

2. Being shipped as freight or under a bill
of lading.

3. Which are made of china, glass or similar
fragile materials.

4. By delay, detention, seizure or confiscation by
Customs or other officials.
(f) Films, tapes, cassettes, cartridges, or discs that you
have used or recorded on other than their value as
unused material when we will pay the makers latest
list price;
(g) Perishable goods, bottles or cartons and their
contents or any damage caused by these items;
(h) Property more specifically insured by another policy;
(i) Contact or corneal lenses, dentures or hearing aids,
Business Samples or Business Equipment;
(j) Sports equipment and accessories whilst in use;
(k) Ski Equipment and Golf Equipment;
(l) Personal Money, bonds, negotiable instruments and
securities of any kind;
(m) Pedal cycles, motor vehicles, caravans, trailers,
camping equipment or parts or accessories of any
of them, or household goods, musical instruments,
antiques, pictures, dinghies, boats and/or
ancillary equipment.
(n) Anything mentioned in the General Exclusions in
Section 2 of this policy.
You must take care to look after your Personal
Possessions and, in particular, your Valuables. They
should be kept on your person or secured in baggage,
which stays with you at all times. If this is not possible
these items should be locked in your accommodation
or safety deposit box. If you dont take precautions with
your Personal Possessions, we may not pay your claim.
Claims settlement
1. When we settle a claim under this Part of the
policy, we will at our option either:

(a) pay the cost of replacing the item;

(b) make a cash payment to you; or

(c) pay the cost of repairing the item.
12
2. We will make a deduction for wear and tear for

claims for clothing, including sports clothing.
3. We will deduct an Excess of 50 per Insured
Person under Section a of this Part A.
4. We will not pay the cost of replacing any other
pieces that form part of a set.
PART B PERSONAL ACCIDENT
We will pay one of the items shown below, if during
a Journey, you sustain Bodily Injury which shall solely
and independently of any other cause result, within
12 months, in your:
Item 1 Death 25,000
Item 2 Loss of Limb 25,000
Item 3 Loss of Sight 25,000
Item 4 Total Permanent Disablement 25,000
In addition to anything in the General Exclusions in
Section 2 of this policy, we will not pay any claim which
arises from or is in connection with:
1. Any sickness or disease, naturally occurring or
degenerative condition.
2. A claim under more than one item of this Part B.
3. A Pre-Existing Medical Condition.
4. Your participation in Excluded Activities or hazardous
activities, unless they have been disclosed to us and
we have confirmed cover to you.
5. Any complication following a Bodily Injury which is
attributable to your death, Loss of Limb, Loss of
Sight or Total Permanent Disablement.
6. Your claiming for Total Permanent Disablement
when you have retired.
7. An injury which existed prior to commencement of
the Journey.
You must let us know if you are taking part in any activity
which is either the main purpose of your Journey, or you
know there is a good chance you are going to be taking
part in such an activity.
Claims settlement
We will pay the amounts as detailed above to you or your
legal representatives.If you die and do not leave a will,
we will not issue a settlement cheque until the executors
have been appointed.
PART C CANCELLATION
Cancellation cover applies for a Journey before you leave
your Home Address to start the Journey.
Please note!
You must let us know of any medical condition as set out
under What to do if you have a medical condition in
Section 1 of the policy.
What you are covered for:
We will reimburse up to 5,000 per Insured Person, for
Journey deposits and costs, which you cannot recover
from any other source where this is due to:
1. Death or serious injury or illness to you, a
companion upon whom your travel depends,
a member of your Immediate Family, a Close
Business Associate (all resident in the UK) or

a relative or friend in whose home your are
intending to stay.
2. You or a travelling companion being required:

(a) For jury service in the UK;

(b) As a witness in a Court in the UK;

(c) To stay at your Home Address following a
serious burglary or attempted burglary, fire,
lightning, storm, explosion, impact of aircraft,
earthquake, subsidence, falling trees, riot or
civil commotion, malicious damage, burst
pipes or flood at your Home Address or usual
place of business in the UK, which occurs
during the 14 days immediately prior to the
Journey starting.
3. You being made unemployed or Redundant.
4. Your pet dog or cat requiring life saving treatment
within 7 days immediately prior to the Journey starting.
5. You being required for unexpected emergency duty
or posted overseas as a member of the armed
forces, the police, ambulance/fire or nursing service
during the intended Journey.
6. The Foreign and Commonwealth Office advising
against All travel to your intended destination.
7. A Medical Practitioner advising against travel for
any reason.
8. Your passport or visa being stolen in a burglary
within 7 days of your planned departure and you
cannot obtain a replacement in time.
Claims conditions
Conditions in Section 2 of this policy, we will only pay:
1. For travel and accommodation expenses, which you
have pre-paid or contracted to pay, at the time you
realise a claim may be made.
2. Claims that are a result of an accident or illness,
when a Medical Practitioner confirms in writing that
cancellation is medically necessary.
3. If, at the time of booking the Journey, you were not
aware of any reason why it may be cancelled.
claims which are a result of:
1. Government regulations, excluding where the
UK Foreign and Commonwealth Office (FCO)
advise against All Travel to your intended
final destination.
2. Any criminal proceedings.
3. Your financial circumstances.
4. Strikes or industrial action existing or notified by
declaration of intent, at or prior to the date of
booking your Journey.
5. Your unemployment due to lack of work if you
are self-employed, your promotion or any other
occupational posting other than staff transfer
which is absolutely necessary and which must be
confirmed in writing by your employer.
6. Your disinclination to travel or continue your Journey.
7. Failure of the tour operator or any provider
of transport or accommodation to fulfil the
Journey booking.
8. Adverse weather conditions.

9. A Pre-Existing Medical Condition unless declared
and accepted by us.
10. The transport operator or their agents refusing to
transport you or an Immediate Family member of
yours, or a travelling companion, because they
consider that you or they are not fit to travel.
11. Anyone upon whom the Journey depends receiving
a terminal prognosis prior to the Journey being
booked or the insurance being taken out.
12. A delay of less than 6 hours when travelling for
4 nights or less or 12 hours when travelling for
5 nights or more, leading to you abandoning
the Journey.
13. You failing to notify the travel agent or tour operator
as soon as you become aware of a reason to
cancel the Journey.
14. A medical condition of a member of your Immediate
Family, travelling companion or Close Business
Associate (whether they are travelling or not) who
has been a hospital inpatient in the past 12 months
or been put on a waiting list for hospital treatment.
15. Any treatment or help where, given your physical
or mental condition, you should not have travelled
or it would have been reasonable for you to have
consulted your Medical Practitioner, prior to the
Journey, about whether or not it was appropriate
for you to travel.
16. An Anticipated Event.
17. You not having the correct passport or visa, or
failing to get police confirmation that your passport
or visa had been stolen in a burglary.
For specific country advice, you can contact the Foreign
and Commonwealth Office (FCO) on 0845 850 2829,
email TravelAdvicePublicEnquires@fco.gov.uk or visit
fco.gov.uk
Claims settlement
1. You must provide us with all documentation
reasonably necessary in support of your claim.
Person, with the exception of claims for loss of
holiday deposit, where the Excess payable will be
10 per Insured Person.
By saying reasonably necessary, we mean documents
such as:
(a) A medical certificate in the event of a medical
condition preventing you from travelling.
(b) A booking confirmation/invoice from the company
with which you booked the Journey.
(c) Confirmation of other insurance, which may cover
the loss.
PART D CURTAILMENT OF A JOURNEY
Please note!
Part One: Curtailment due to early return
We will reimburse up to 5,000 per Insured Person,
for unused travel and accommodation expenses, which
13
you cannot recover from any other source following

Curtailment of a Journey, due to:
1. Death or serious injury or illness to you, a
companion upon whom your travel depends,
a member of your Immediate Family, a Close
Business Associate (all resident in the UK) or a
relative or friend in whose home you are intending
to stay.
2. You or a travelling companion being required:

(a) For jury service in the UK;

(b) As a witness in a Court of law in the UK;

(c) To return to your Home Address following a
serious burglary or attempted burglary, fire,
lightning, storm, explosion, impact of aircraft,
earthquake, subsidence, falling trees, riot or
civil commotion, malicious damage, burst pipes
or flood at your Home Address or usual place
of business in the UK, which occurs during
the Journey.
We will also provide cover for additional travel expenses
needed to return you to the UK, which have been
authorised by the Emergency Assistance service within
the limit shown above.
Part D1) Catastrophe
If, during your Journey, you can no longer stay at your
pre-booked and prepaid accommodation because of:
fire;
storm;
lightning;
avalanche;
explosion;
hurricane;
earthquake;
flood;
tidal wave;
medical epidemic; or
pandemic;
we will pay the necessary extra travel and
accommodation expenses to allow you to continue with
your Journey, or return to the UK if you cannot continue
with your Journey, up to a maximum of 500 per person.
In addition to the General Conditions in Section 2 of this
policy, we will not pay for any claim directly or indirectly
resulting from:
(a) You changing your mind to travel or continue with
your Journey when the local or national authorities
confirm that it is safe to stay: or
(b) Expenses you can recover from elsewhere.
Claims conditions
You must send us:
(a) The original booking invoices and travel documents
showing the dates and times of travel; and
(b) Written confirmation of the disaster from the local
or national authority of the area where it happened.
Part D2) Homecare
We will pay for emergency and necessary repairs up to
250 to secure your Home Address, while you are on a
Journey, following fire, flood or theft.
14
You must supply written confirmation from the contractor

that the work was urgently required, as well as a
breakdown of the costs incurred and any receipts for
expenses you pay.
Part D3) Recuperative Holiday
If you make a claim under Part E Emergency Medical
Expenses Abroad and we subsequently pay for you
to Curtail that Journey following your hospitalisation
Abroad of at least 5 full days, we will pay for you to
take a recuperative holiday within 3 months of the
original incident, whether in the UK or Abroad, subject
to a maximum of 1,000 for accommodation and travel
expenses only. Any associated costs such as travel
insurance, food or clothing is not covered by this Part D.
You should contact the Emergency Assistance service
as soon as you become aware of any reason why the
Journey may need to be cut short if you dont, we may
be unable to pay your claim.
Please refer to the Medical and Emergency Expenses Part
E of Section 3 of this policy for advice on relatives stopping
with you or travelling to you if medically necessary.
Claims conditions
Conditions in Section 2 of this policy, we will only pay:
1. For travel and accommodation expenses, which you
have pre-paid or contracted to pay, at the time you
realise a claim may be made.
2. Claims that are a result of an accident or illness,
when a Medical Practitioner confirms in writing that
Curtailment is medically necessary.
3. Refunds for Curtailment, which have been
calculated based on the number of complete days
lost by you returning early to the UK.
1. Government regulations, excluding where the UK
FCO advise against All Travel to your intended
final destination.
2. Any criminal proceedings or your financial
circumstances.
3. Strikes or industrial action existing or notified by
declaration of intent, at or prior to the date of
booking your Journey.
4. Your disinclination to travel or continue your Journey.
5. Failure of the tour operator or any provider
of transport or accommodation to fulfil the
Journey booking.
6. Adverse weather conditions (unless stated as
covered under D1 and D2 of this Part D).
7. A Pre-Existing Medical Condition unless declared
and accepted by us.
8. Anyone upon whom the Journey depends receiving
a terminal prognosis prior to the Journey being
booked or the insurance being taken out.
9. A medical condition of a member of your Immediate
Family, travelling companion or Close Business
Associate (whether they are travelling or not) who
has been a hospital inpatient in the past 12 months
or been put on a waiting list for hospital treatment.
For specific country advice, you can contact the Foreign

& Commonwealth Office (FCO) on 0845 850 2829,
email TravelAdvicePublicEnquires@fco.gov.uk or visit
fco.gov.uk
Claims settlement
Person. By saying reasonably necessary, we mean
documents such as a medical certificate in the
event of a medical condition necessitating your
early return or stay in hospital.
PART E MEDICAL AND EMERGENCY EXPENSES
Please Note!
Part One: Emergency Medical Expenses Abroad
We will pay up to 10,000,000 per Insured Person
towards emergency medical, surgical or hospital
treatment (including emergency dental treatment only for
the relief of immediate pain), which is required whilst you
are on a Journey.
We will also provide cover for:
1. Additional travel expenses needed to return you to
the UK on the advice of our Medical Advisor.
2. Extra Accommodation if the length of your Journey
is extended due to your stay in hospital.
3. Up to 2,500 towards the cost of your funeral or
cremation in the country in which death occurs.
4. The cost of a friend or relative, resident in the UK
to be brought to, remain with or escort you back
to the UK on advice of our Medical Advisor,
provided all costs are agreed with our Emergency
Assistance service.
5. The cost of returning your remains to the UK.
Part Two: Emergency Medication for Pre-Existing
Medical Conditions.
If we have confirmed, in writing, cover for a Pre-Existing
Medical Condition, we will pay up to 250 towards
any expenses incurred in obtaining any associated
medication, which you take on a Journey, that is lost or
stolen (we will not pay claims where you forgot to take
the medication with you).
Part Three: Physiotherapy
We will pay up to 350 if, following Bodily Injury, you
make a valid claim under Part One of this Part E and you
require further physiotherapy treatment on your return
to the UK. This is not a private medical insurance. If
you require emergency treatment, you must inform the
Emergency Assistance service immediately otherwise we
may be unable to pay your medical expenses.
If you need more than simple outpatient treatment of
the sort you can pay for locally, you should call the
Emergency Assistance service for help and advice.
Claims conditions
Conditions in Section 2 of this policy, payment of
claims is conditional upon you:
1. Accepting our decisions concerning the most
suitable, practical and reasonable solution to any
medical emergency, including returning to the UK
if our Medical Advisor confirms you are fit to return
to the UK.
2. Contacting the Emergency Assistance service as
soon as possible after an incident arises (where
costs are likely to be greater than 500) to obtain
authorisation for treatment or return to the UK.
3. Not travelling contrary to medical advice or to
obtain treatment.
4. Not having received a terminal prognosis prior
to the Journey being booked or taking out
the insurance.
5. Not awaiting medical treatment or investigations
or tests prior to booking the Journey or before
becoming an Account Holder.
6. Advising us of any change in your health or
circumstances before making any new travel
arrangements, allowing us to confirm in writing
that cover is still applicable.
Exclusions in Section 2 of this policy, we will not pay:
1. Any expenses incurred 12 months after the
original injury.
2. Any payment in respect of medical treatment
obtained in the UK or outside Europe.
3. Any costs for treatment (including preventative
treatment) in relation to an illness or injury, which is
not essential in the opinion of our Medical Advisors
and could have waited until your return to the UK.
4. Claims for treatment or returning you to the UK
that are not confirmed as being necessary by our
Medical Advisor.
5. Claims, which arise from a Pre-Existing Medical
Condition, unless declared and accepted by us.
6. Any treatment or aid obtained after you, in the
opinion of our Medical Advisors, first became able
to return to the UK.
7. For any claims due to your participation in Excluded
Activities or hazardous activities, unless you have
told us and we have confirmed cover for you.
8. Any claim for non-emergency treatment, tests or surgery
(including cosmetic surgery and any complications of
cosmetic surgery that you have travelled for), which
is not Directly Related to the illness or injury, which
caused your admittance into hospital.
9. For single or private room accommodation, unless
it has been deemed medically necessary by our
Medical Advisor.
10. Treatment or services obtained at a health spa,
convalescent or nursing home or any
rehabilitation centre.
11. Any claims which arise from you failing to take
medication, which you knew was required or to be
continued on your Journey. (Except for claims under
Part Two of this Part E.)
15
12. For treatment for dental work involving the use of

precious metals.
13. For treatment for dental work which is not to relieve
immediate pain only.
14. Claims made under Part Three of this Part E,
where the need for physiotherapy or home help
is not advised by the treating doctor Abroad or
our Medical Advisor prior to your immediate
return home.
15. An Anticipated Event.
16. Any treatment or help where, given your physical
or mental condition, you should not have travelled
or it would have been reasonable for you to have
consulted your Medical Practitioner, prior to you
booking or taking the Journey, about whether or not
it was appropriate for you to travel.
17. For the cost of any phone calls, other than necessary
calls to our Emergency Assistance service.
Please be aware of seemingly large charges for
medication or treatment where possible, contact
the Emergency Assistance service before paying for
any treatment.
Claims settlement
By saying reasonably necessary, we mean
documents such as:

(a) A medical certificate in the event of a medical
condition necessitating your stay in hospital.

(b) Receipts for treatment or medication you
pay for.
2. We will deduct an Excess of 50 per insured
person from outpatient claims, with the exception of
claims where using an EHIC has reduced the claim.
You must have your EHIC with you on your Journey
to benefit.
3. Where possible we will deal with the hospital direct.
PART F PERSONAL LIABILITY
We will pay all sums up to 2,000,000 per policy, which
you become legally liable to pay for death or Bodily Injury
to any person or loss of or damage to their property,
which occurs during the period of the Journey. We will
also pay any costs and expenses awarded against you or
incurred by you with our written consent.
Claims conditions
In addition to anything in the General Conditions
in Section 2 of this policy you must forward any
correspondence onto us, which you receive from the
third party in connection with any incident, which could
cause a claim under this insurance.
In addition to anything in the General Exclusions in
Section 2 of this policy, we will not pay any claim which
arises from:
1. Death or Bodily Injury to your:
(a) Employees;
(b) Family;

(c) Travelling companion/s.
16
2. Loss of or damage to or caused by property,

which is in the custody or under the control of
you, your employees, your family or your travelling
companion/s.
3. Ownership or occupation of any land or building
(other than occupation only of any temporary
holiday accommodation).
4. The trade, employment, business or profession
of any of you.
5. Ownership, possession or use of any animal,
firearms, mechanically propelled vehicles, vessels
(other than manually propelled water craft) or
aircraft of any description.
6. Any deliberate act or omission by any of you.
7. You acting as a leader of a group participating in
any activity whether hazardous or not.
8. Any agreement unless that liability would have
existed otherwise.
9. Fines imposed by a Court of Law or other
relevant bodies.
10. Racing mechanically propelled vehicles of any kind.
11. Liability covered under any other insurance policy.
When hiring motorised vehicles like cars, mopeds or
jet skis on a Journey, you must ensure that you have
adequate third party liability insurance as this travel
policy will not cover damage that you do to anyone
else or his or her property when you are in charge of
the vehicle.
Claims settlement
You must provide us with all documentation reasonably
necessary in support of your claim. By saying reasonably
necessary, we mean all correspondence received by
you from the person making a claim against you under
this Part F.
PART G PERSONAL MONEY
We will provide cover for up to a maximum of 500 per
Insured Person for Personal Money that is lost or stolen
whilst on your Journey.
We will also provide cover during the 72 hours immediately
before you are due to leave on your Journey. The cash,
currency, notes and coins limit is 500 per Insured Person.
Claims conditions
1. Report any loss to the police within 24 hours of its
discovery and obtain a police report from them.
2. Take all steps to recover property which is lost
or stolen.
3. At all times supervise or take reasonable care of
your money to ensure its safety.
4. Provide us with receipts for the amount of money
you are claiming for to substantiate your claim.
You must provide us with as much information as
reasonably possible to substantiate your claim, i.e. mini
bank statements to show you had the money and where
necessary make every reasonable attempt to recover
your Personal Money.

Exclusions in Section 2 of the policy, we will not pay for
loss, damage, theft or destruction of Personal Money:
(a) Left in luggage whilst in transit and outside the
control of the Insured Person;
(b) Outside your control, other than when it is kept
in your locked personal accommodation or safety
deposit box as long as force and violence have
accommodation or safety deposit box;
(c) Left in any motor vehicle;
(d) If you cannot provide proof that you had the money
in your possession at the time of the loss;
(e) Due to error, omission or depreciation in value;
(f) More specifically insured by another policy.
You must take care to look after your Personal Money.
It should be kept on your person or secured in baggage,
which stays with you at all times. If this is not possible
it should be locked in your personal accommodation or
safety deposit box. If you dont take precautions with
your Personal Money, we may not pay your claim.
1. You missing the check-in time as shown in your

travel itinerary for any reason.
2. A strike or any form of industrial action which
had been announced or commenced before you
purchased the travel tickets, obtained confirmation
of booking or before you departed from your
Home Address.
If you miss your departure, please see Part I Missed
Connections and Part J Failure of Public Transport in this
Section of the policy.
Claims settlement
We will deduct an Excess of 50 per Insured Person.
PART I MISSED CONNECTIONS
PART H TRAVEL DELAY AND TRAVEL ABANDONMENT

A Delay
We will pay you up to 250 for the first four hours
delay of the pre-booked flight, sailing, train or coach
for additional expenses such as accommodation, travel,
meals and refreshments which arise because the
transport you have checked-in for is delayed it doesnt
cover the cost of telephone calls.
B Abandonment
If your outbound flight from the UK is delayed:
(a) for 6 hours or more on Journeys of up to 4 nights;
or
(b) for 12 hours or more on Journeys of more than
4 nights.
We will pay you up to 5,000, for unused travel and
accommodation expenses, which you cannot recover
from any other source if you decide to abandon the
Journey and return to your Home Address.
Claims conditions
claim to be considered:
1. You must provide confirmation of the scheduled
departure time as detailed on your travel itinerary
and the actual departure time from the airline.
2. The delay must have been announced after you
checked in.
3. You must provide receipts confirming any additional
costs you pay.
Claims settlement
2. No payment shall be made under more than one
item of this Part H.
Person for claims under Section B of this Part H.
documents such as:

(a) A booking confirmation/invoice from the
company you booked the Journey with.

(b) Confirmation from the carrier of the delay.
If your first flight is delayed after you have checked in,
meaning that you miss your connecting flight and an
alternative flight is not offered within four hours, we
will pay up to 250 per Insured Person for additional
accommodation, travel expenses, meals and refreshments.
Claims conditions
claim to be considered you must provide confirmation of
your scheduled departure times as detailed on your travel
itinerary and your actual departure times from the airline.
travel itinerary for any reason, other than the
previous flight only being delayed.
Home Address.
Claims settlement
reasonably necessary in support of your claim.By
saying reasonably necessary, we mean documents
such as:

company with which you booked the Journey.

(b) Confirmation from the carrier of the delay.
PART J FAILURE OF PUBLIC TRANSPORT
We will pay up to 1,000 per Insured Person for
additional accommodation, travel expenses, meals
17
and refreshments if you fail to arrive at your departure

point in time to board your booked transport and this is
because of:
1. An accident or breakdown involving your own vehicle;
2. The scheduled Public Transport taking you to your
departure point not running to timetable.
Claims conditions
claim to be considered you must provide confirmation
of your scheduled departure time as detailed on your
travel itinerary and your actual departure time from the
airline/carrier.
claims, which are a result of:
travel itinerary for any reason not detailed in the
What you are covered for Section of this Part J.
Home Address.
3. Missed departure claims due to road traffic congestion
or road closures where you have not left reasonable
time to reach your departure point on time or are
not travelling by scheduled Public Transport.
4. If you did not use Public Transport and you missed
your departure because of heavy traffic or road
closures that were not sufficiently severe to warrant
reporting on a recognised motoring association web
site or on television, news bulletins or in the press.
Claims settlement
documents such as:

company with which you booked the Journey.

(b) Confirmation of your late arrival from the carrier.
PART K LOSS OF PASSPORT/DRIVING LICENCE
We will pay up to 750 per Insured Person if your
passport or driving licence is destroyed, lost or stolen
Abroad for additional accommodation and travel
expenses whilst you obtain necessary documentation
to re-enter the UK.
Claims conditions
claim to be considered you must report the incident to
the police in the country where the loss occurred within
24 hours and obtain a copy of the police report.
Exclusions in Section 2 of this policy, we will not pay
for claims which are a result of:
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1. Any destruction, loss or theft which occurred prior

to the start date of your Journey.
2. Any costs incurred in replacing the passport or
driving licence.
Claims settlement
You must provide us with all documentation reasonably
necessary in support of your claim. By saying reasonably
necessary, we mean documents such as:
(a) A copy of the police report.
(b) Receipts for any additional accommodation and
travel expenses.
PART L HOSPITAL BENEFIT
If we provide cover under Part E Medical and Emergency
Expenses, we will also pay you 50 for every complete 24
hours that you spend in hospital (the maximum amount we
will pay per Insured Person is 400). The purpose of this
Part L is to provide extra cash to cover telephone calls and
any other incidental expenses that you cannot claim for
from any other source.
In addition to anything mentioned in the General Exclusions
in Section 2 of this policy, we will not pay any claim:
1. Under this Part L, when we have not provided cover
under Part E Medical and Emergency Expenses.
2. Which occurs due to your participation in Excluded
Activities or hazardous activities, unless you have
told us and we have confirmed cover to you.
PART M LEGAL COSTS
Before you incur any Legal Costs, you must report your
claim to the Legal Helpline. The 24 hour phone number
for practical UK legal advice in connection with your
Journey and for reporting a Legal Costs claim is
0845 246 2070 (+44 845 246 2070 from Abroad).
We will pay:
1. For Legal Costs to help you claim damages
or compensation:

for injury, illness or death which happens
during your Journey.

following a dispute about an agreement you
have for your Journey.
The most we will pay for all costs will be 50,000 for
any claim or claims arising from any one incident.
2. Up to 250 for the first consultation that you
arrange with a local Solicitor if you are arrested or
held by authorities during your Journey.
Subject to the exceptions and conditions of this Part
M of the policy we agree to provide this cover if:

any legal proceedings will be carried out by a
Court which we agree to; and

we and your solicitor agree that it is more likely
than not that you will be successful with your
claim for damages.
What you are not covered for (exclusions) (see also
General Exclusions in Section 2 of this policy)
You are not covered for any claim arising from or relating to:
1. Defending your legal rights in claims against you.
2. Illness or injury which develops gradually or is not
caused by a specific or sudden accident.
3. Psychological injury or mental illness unless it

results from a specific or sudden accident that has
caused Bodily Injury to you.
4. Action against another person who is insured by
this policy.
5. Legal Costs that relate to a period before we have
accepted your claim in writing.
6. Legal Costs if you stop or settle a claim, or
withdraw instructions from the Solicitor, without
good reason. If this applies, you will then have to
refund any costs paid by us during your claim.
7. Fines, penalties, compensation or damages which
you are ordered to pay by a Court.
8. Loss or damage that is insured under another
Part or Section of this policy or any other
insurance policy.
Claims Conditions
If you do not keep to these conditions, we may:
(a) refuse or withdraw from any claim;
(b) claim back from you costs paid by us; or
(c) do all of the above.
You must do the following:
Send us full details of your claim in writing as soon
as possible and in any event no later than 180 days
after the date you knew about or should have
known about the incident giving rise to the claim.
Send us any other information that we ask for.
(You must pay any costs involved in providing
this information.)
If we ask, you must tell the Solicitor to give us any
documents, information or advice that they have or
know about.
Fully co-operate with the Solicitor and us, and not
take any action that has not been agreed by your
Solicitor or by us.
Keep us up to date with the progress of your claim.
Tell us if the Solicitor refuses to continue to act for
you or if you withdraw your instructions.
Tell us if anyone makes a payment into Court or
offers to settle your claim.
Tell your Solicitor to claim back all costs that you
are entitled to and pay to us all costs that we
have paid.
Get our agreement to stop, settle, negotiate or
withdraw from a claim.
Appointing a Solicitor:
If we accept your claim we, or a Solicitor we
choose, will try to settle the matter without having
to go to Court.
If it is necessary to take your claim to Court, or if
there is a conflict of interests, you can choose the
Solicitor to act for you. Any Solicitor you choose will
be appointed to act for you in line with our standard
terms of appointment.
You are responsible for all Legal Costs they charge
but your policy will cover them as long as you keep
to the policy conditions.
You must not enter into any agreement relating to
charges with the Solicitor without getting our
permission first.
If a Solicitor refuses to continue acting for you with

good reason, or if you dismiss them without good
reason, your cover will end immediately unless we
agree to appoint another Solicitor.
You must tell your solicitor to do the following:
Get our written permission before instructing a
barrister or an expert witness.
Tell us immediately if it is no longer more likely than
not that you will be successful with your claim.
We can do the following:
Contact the Solicitor at any time, and he or she
must co-operate fully with us at all times.
Decide to settle your claim by paying you the
compensation you are likely to be awarded by a
Court instead of starting or continuing your claim
or legal proceedings.
Refuse to pay further Legal Costs if you do not
accept an offer or payment into Court to settle a
claim which we or your Solicitor consider should
be accepted.
Refuse to pay further Legal Costs if it is no longer
more likely than not that you will be successful with
your claim.
Disputes
You may refer any disagreement between you and us
to the Financial Ombudsman Service, which is a service
offered to you free of charge. (See Section 1 of this
policy for details of our complaints procedure.)
You also have the right to refer any disagreement
between you and us to arbitration (where an independent
person, known as an arbitrator, makes a decision to
settle the dispute). The arbitrator will be a solicitor,
barrister or other suitably qualified person that you and
we agree on. If we cannot agree, the arbitrator will be
chosen by the president of the Law Society (or other
similar organisation) for that part of the United Kingdom
whose law governs this Part of the policy. We and you
must keep to the arbitrators decision. Whoever loses
the arbitration will pay for all the costs and expenses of
the arbitration. General Conditions a, b, c, f, h and j in
Section 2 of this policy do not apply to this Part M.
PART N ADDITIONAL ASSISTANCE SERVICES
1. Pre-travel advice Prior to departure, you may
call us on 0125 230 8791 for travel information
relating to:

Customs regulations;

Currency limits and rules;

Banking procedures and opening hours;

Health, inoculation requirements, epidemics,
AIDS risks and availability of specified
medicines; or

Visa requirements and procedures.
2. Luggage care Outside the UK.
To help search, find and deliver lost luggage when
the usual channels have failed. The baggage
tag and the property irregularity report must be
available in order for us to help.
19
3. Property emergency service Outside the UK.

Access is provided to the domestic telephone
line 0125 230 8791, which is a 24-hour-a-day
emergency service where we will arrange for a
tradesman to effect repairs to an Insured Persons
Home Address, should damage occur, rendering
it unsafe, insecure or resulting in unreasonable
discomfort to the occupants. The Insured Person
will be responsible for all charges associated with
effecting the repair.
4. Port/airport assistance If an Insured Person
is delayed en route to the departure port or
airport and there is a possibility of missing the
flight or crossing, we will liaise with the carrier
to advise of your late arrival and if necessary
with your permission, make alternative flight or
crossing arrangements. The Insured Person will
be responsible for all charges associated with the
alternative flight or crossing arrangements.
PART O MUGGING
This Part O is in addition to any insured expenses under
Part E (Medical and Emergency Expenses) and also
payments under Part L (Hospital Benefit).
If an Insured Person is Mugged while on a Journey and
suffers actual bodily harm as a direct result, we will pay
50 for each continuous 24 hours spent as an in-patient,
up to a maximum of 500 per Insured Person.
claims which are a result of any incident where you do
not obtain a police report of the Mugging, confirmation
of your injuries and period of in-patient treatment.
PART P EXTENDED KENNEL, CATTERY OR
PARKING COSTS
If your dog or cat is in a licensed kennel or cattery or
your car is in a car park in the UK during your Journey
and your return is delayed due to your sickness, injury
or hospitalisation, we will pay you up to 500 towards
the additional charges you incur.
In addition to anything mentioned in the General Exclusions
in Section 2 of this policy, we will not pay for claims where
you do not obtain confirmation from our Medical Advisor
that the delay was medically necessary.
PART Q DENTAL EXPENSES
We will pay up to 100 for each Insured Person towards
dental treatment in the UK, following an incident Abroad
which gives rise to a claim under Part E (Medical and
Emergency Expenses) of this policy.
Claims conditions
Conditions in Section 2 of this policy, payment of claims
is conditional upon you providing confirmation from your
Medical Practitioner that they recommend treatment.
20

Exclusions in Section 2 of this policy, we will not pay:
1. Unless the total claim amount exceeds 50.
2. Any claims which are not supported by a certificate
from a Medical Practitioner in the UK.
PART R WINTER SPORTS JOURNEYS UP TO
22 DAYS
Part R1) Ski Pack
Where you are unable to use your Ski Pack on advice
from our Medical Advisor, we will provide up to 150
per week for your unused Ski Pack, which you originally
pre-booked in the UK.
Part R2) Ski Equipment
If, during the Journey your Ski Equipment is damaged,
lost or stolen, we will pay up to 400 per Insured Person
for replacements.
Part R3) Hired skis
If your own Ski Equipment is damaged, lost or stolen,
we will provide up to 200 per Insured Person to
hire replacement equipment for the remainder of
your Journey.
Part R4) Piste closure
If the skiing facilities in your pre-booked resort are closed
in their entirety due to lack of or too much snow, we will
pay up to 10 per day for you to travel to an alternative
site. If there are no alternative sites available, we will
compensate you 30 for each full day you are unable
to ski.
Part R5) Avalanche closure
We will pay up to 200, if, following an avalanche, landslide or land-slip your arrival or departure from the ski
resort is delayed and you have Extra Accommodation
expenses as a direct result.
Part R6) Physiotherapy following a skiing accident
If we pay a claim under Part E of this policy, and
this claim is as a direct result of a ski accident, we
will pay up to 350 towards physiotherapy which
is recommended by a Medical Practitioner on your
immediate return to the UK.
Part R7) Delayed Ski Equipment
Up to 100 towards the cost of hiring replacement Ski
Equipment necessities, if your own Ski Equipment is
delayed in reaching you on your outward Journey for
at least 12 hours and you have a written report from
the carrier (i.e. airline, shipping company etc.) or tour
representative receipts will be necessary in the event
of a claim.
Claims conditions
1. Return damaged Ski Equipment to your Home
Address for inspection.
2. Obtain a property irregularity report from the carriers

within 3 days of the incident if it occurred in transit.
3. Report the loss or theft to the police authorities
in the country where the incident occurred within
24 hours of discovery and obtain a copy of the
police report.
4. Take all reasonable steps to recover Ski Equipment
that is lost or stolen.
5. Keep all baggage tags and travel tickets for
submission to us when making a claim.
Any amount we pay you under Part R7) Delayed Ski
Equipment will be refunded to us if your own Ski
Equipment proves to be permanently lost, as you will be
able to claim for your lost Ski Equipment under Part R2)
Ski Equipment.
for claims:
1. Which have not been confirmed as being medically
necessary by our Medical Advisor.
2. For Ski Equipment, which is more than 5 years old.
3. For hired equipment not verified as lost or damaged
by an official receipt from the Ski Equipment
hire shop.
4. Following your deliberate, wilful or malicious
damage or carelessness or neglect.
5. Which occur whilst Ski Equipment is left in
a motor vehicle.
vermin, atmospheric or climatic conditions,
7. For damaged Ski Equipment, which has not been
returned to your home for inspection by us.
8. Under Parts R4) and R5) when:

Your Journey in Europe is between 1 June and
1 December each year.

Confirmation of the closure is not obtained
from a local representative.

Not all skiing facilities are closed.

Where the skiing conditions are known or
are public knowledge at the time of booking
the Journey.
Claims settlement
We will pay one or a combination of the benefits for as
long as such conditions prevail at your resort but, in any
case, not exceeding the period of the Journey.
We will deduct an Excess of 50 per Insured Person
from claims under Part R2 Ski Equipment.
PART X HIJACK
In the event that your outbound or homeward transport
is hi-jacked, we will pay you 50 for each and every 24
hours you are held hostage, up to a maximum of 500
per insured person.
Exclusions in Section 2 of the policy we will not pay for
1. Any claim if you, your family or any business

connections have engaged in activities that could
be expected to increase the risk of hi-jack.
2. Any incident for which you cannot provide written
proof from either the carrier or the police.
SECTION 4: ADDITIONAL
OPTIONAL COVER
PART T BUSINESS COVER

1. Baggage
We will provide up to 3,000 to cover Business
Equipment and Business Samples which are lost,
damaged or stolen during a Journey Abroad. The
Single Article limit is 1,000.
2. Emergency replacement items
If your bags are lost for more than 4 hours in
transit on your outbound Journey from the UK,
we will pay up to 500 for you to buy essential
replacement items.
3. Hiring replacements
We will pay up to 500 towards hiring replacement
Business Equipment for the duration of the Journey
Abroad if yours is lost, damaged or stolen whilst on
a Journey and is not returned to you.
4. Business colleague
If you are hospitalised for more than 3 days or
repatriated due to injury or illness or die, we will
pay up to 1,500 towards the cost of a return travel
ticket for one colleague to replace you.
5. Accommodation and travel expenses
We will pay up to 1,500 towards the cost of Extra
Accommodation if, due to your Bodily Injury, illness
or adverse weather conditions the Journey has to
be extended beyond the final scheduled day.
Claims conditions
24 hours of its discovery.
or stolen.
carriers within 3 days of the incident or, where
in the country where the loss occurred, within 24
6. Not abandon any property to us.
7. Provide us with receipts for the items you are
claiming for to substantiate your claim. You must
provide us with as much information as possible to
substantiate your claim and where necessary make
every attempt to recover your Business Equipment
or Business Samples.
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loss, damage, theft or destruction of Business Equipment

and Business Samples:
1. Which are kept in your locked personal
accommodation or safety deposit box and force
and violence has not been used to gain entry to
your locked personal accommodation or safety
deposit box.
2. That are left in any motor vehicle.
4. Being shipped as freight or under a bill of lading.
5. Which are made of china, glass or similar
fragile materials.
7. Which are films, tapes, cassettes, cartridges, or
discs that you have used or recorded on other than
their value as unused material when we will pay the
makers latest list price.
8. Which are perishable goods, bottles or cartons
and their contents or any damage caused by
these items.
You must take care to look after your Business Equipment
and Business Samples. If you dont take precautions with
your property, we may not pay your claim.
Claims settlement
1. When we settle a claim under this Part T of the


(b) make a cash payment to you;

2. We will make a deduction for wear, tear
and depreciation.
Person for claims under Section 1 of What you are
covered for in this Part T.
PART U GOLF COVER
1. Baggage
We will pay up to 1,500, in the event that your
Golf Equipment is damaged, lost or stolen whilst
on a Journey Abroad.
2. Hiring replacements
If you are unable to take part in any of your
pre-booked rounds of golf because your Golf
Equipment is lost in transit Abroad and not
restored to you within 4 hours, we will pay
up to 250 to hire replacements.
3. Cancellation and Curtailment
We will pay up to the limit shown in either Part
C or D, if you have to cancel or Curtail a Journey
Abroad because you have sustained a Bodily Injury
or illness which prevents you from playing golf.
4. Green fees
We will pay you up to 250 towards the loss of
non-refundable pre-paid green fees that you are
unable to use Abroad following your Bodily Injury.
22
5. Travel delay
If the ship, train or aircraft on which you are prebooked is delayed, we will pay you up to 250
towards the cost of non-refundable pre-paid green
fees that you were unable to use as a direct result
of the delay.
Claims conditions
or stolen.
7. Provide us with receipts for the items you are
claiming for to substantiate your claim.
8. Provide confirmation from a Medical Practitioner
that you are unable to participate due to Bodily
Injury or illness.
You must provide us with as much information as possible
to substantiate your claim and where necessary make
every attempt to recover your Golf Equipment if it is stolen.
loss, damage, theft or destruction of Golf Equipment:
1. Which is kept in your locked personal
accommodation and force and violence has not
accommodation.
2. That is left in any motor vehicle, unless they
are kept in the Secure Area of the motor vehicle
and force and violence is used to gain entry to
the vehicle.
4. Being shipped as freight or under a bill of lading.
6. More specifically insured by another policy.
You must take care to look after your Golf Equipment. If
you dont take precautions with your Golf Equipment, we
may not pay your claim.
Claims settlement
1. We will make a deduction for wear and tear.
Person under Sections 1 and 3 of What you are
covered for in this Part U.
3. You must provide confirmation from the carrier of
the number of hours delay.
PART V WEDDING COVER

If the betrothed Partner is not insured by this policy we
will extend cover under all Parts and Sections when the
wedding or civil partnership has been booked to take
place Abroad.
1. Attire
We will provide cover for up to a maximum of
1,500 per Insured Couple for replacement Attire
that is lost, damaged, stolen or destroyed whilst on
your Journey Abroad.
2. Rings
Your rings for the ceremony are covered for
up to 250 in total, per Insured Couple, should
they be lost, stolen or destroyed whilst on a
Journey Abroad.
3. Gifts
The cost of repair, if economical, or the cost of
replacements if your gifts which have been taken
or bought on a Journey are lost, stolen or damaged.
The maximum we will pay is 1,000.
4. Photographs and Video Recordings
We will provide up to 750 towards reprinting
photographs or retaking video recordings, if:

(a) They are lost, stolen or destroyed whilst on
a Journey Abroad.

(b) Your pre-booked professional photographer is
unable to fulfil his obligations due to illness,
injury or unforeseen transport problems and
you have to make alternative arrangements.
Claims conditions
or stolen.
7. Provide us with receipts or other proof of purchase
for the items you are claiming for to substantiate
your claim.
You must provide us with as much information as
possible to substantiate your claim and where necessary
make every attempt to recover your possessions.
claims:
1. Where force and violence has not been used to
gain entry to your locked personal accommodation
or safety deposit box.
2. For any items left in any motor vehicle, unless they

are kept in the Secure Area of the motor vehicle
and force and violence is used to gain entry to
the vehicle.
vermin, and atmospheric or climatic conditions,
4. For any items being shipped as freight or under
a bill of lading.
5. For items made of china, glass or similar
fragile materials.
6. Caused by delay, detention, seizure or confiscation
by Customs or other officials.
7. For films, tapes, cassettes, cartridges, or discs that
you have used or recorded on other than their value
as unused material when we will pay the makers
latest list price (excluding claims made under
Section 4 of What you are covered for in this
Part W).
8. For perishable goods, bottles or cartons and their
contents or any damage caused by these items.
9. For property more specifically insured by another
policy.
You must take care to look after your possessions. If you
dont take precautions with your property, we may not
pay your claim.
Claims settlement
1. When we settle a claim under this Part V of the


(b) make a cash payment to you;

2. We will make a deduction for wear and tear for
claims for clothing.
3. We will deduct an Excess of 50 per
Insured Person.
PART W HAZARDOUS ACTIVITIES
Where you have pre-booked the following activities before
departing on a Journey and paid the appropriate premium
to us, this insurance will cover your participation in the
following activities outside the UK and within Europe:
Abseiling;
Ballooning;
Bobsleighing;
Bungee jumping;
Glacier skiing/walking;
Hang-gliding;
Heli-skiing;
Paragliding;
Parascending;
Parachuting;
White water rafting; or
Use of skeletons.
Claims conditions
Experts holding the relevant qualifications must supervise
your participation in these activities.
23
The Royal Bank of Scotland plc.

Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB.
Registered in Scotland No. 90312
Underwritten by U K Insurance Limited.
Registered address: The Wharf, Neville Street, Leeds LS1 4AZ.
Registered number: 1179980.
Both are authorised by the Prudential Regulation Authority and regulated
by the Financial Conduct Authority and the Prudential Regulation Authority.

RBS06500 30 September 2013

RBS Select Silver Travel Policy

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RBS Select Silver Travel Policy

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Select Silver Account

Travel Insurance Policy

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SECTION 1: HOW TO USE THIS POLICY

SECTION 2: DEFINITIONS, EXCLUSIONS & CONDITIONS

SECTION 3: INCLUSIVE COVER

SECTION 4: ADDITIONAL OPTIONAL COVER

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Select Silver European Travel

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visa. If you require further confirmation of cover,

Welcome to Select Silver

SECTION 1: HOW TO USE

cover in connection with medical conditions. It also

(c) Assistance upon arrival in the UK is provided where

Telephone 0125 230 8791

How to arrange additional optional cover

Please state that you are a Select Silver customer and

Please contact the Select Silver European Travel

An experienced co-ordinator will deal with your enquiry

NOTE: As the policy automatically covers all Account

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What to do if you have a medical condition

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Our medical risk assessment system is updated

These definitions, exclusions and conditions apply to the

Business Samples means all business stock owned

Manual Work of any kind.

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Loss of Limb means an injury where a limb is

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Single Article means one item, pair or set of articles

(b) Whether directly or indirectly caused by:

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If delay causes you to exceed the maximum day

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How we use your information and who we share it with

public bodies including the police although we only do so

SECTION 3: INCLUSIVE COVER

What you are covered for

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What you are not covered for (exclusions)

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2. We will make a deduction for wear and tear for

Business Associate (all resident in the UK) or

8. Adverse weather conditions.

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you cannot recover from any other source following

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You must supply written confirmation from the contractor

For specific country advice, you can contact the Foreign

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12. For treatment for dental work involving the use of

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2. Loss of or damage to or caused by property,

What you are not covered for (exclusions)

1. You missing the check-in time as shown in your

PART I MISSED CONNECTIONS

PART H TRAVEL DELAY AND TRAVEL ABANDONMENT

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and refreshments if you fail to arrive at your departure

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1. Any destruction, loss or theft which occurred prior

(c) Assistance upon arrival in the UK is provided where

Manual Work of any kind.

(b) Whether directly or indirectly caused by:

2. We will make a deduction for wear and tear for

12. For treatment for dental work involving the use of

2. Loss of or damage to or caused by property,

1. You missing the check-in time as shown in your

1. Any destruction, loss or theft which occurred prior

3. Psychological injury or mental illness unless it

If a Solicitor refuses to continue acting for you with

3. Property emergency service Outside the UK.

2. Obtain a property irregularity report from the carriers

1. Any claim if you, your family or any business

2. For any items left in any motor vehicle, unless they