Policy Wording

The Financial Conduct Authority The Financial Conduct Authority (FCA) is an independent watchdog that regulates financial services. It requires us to give you this document. Please use the information below to confirm that the service we are offering is right for you. Who regulates us? Campbell Irvine Ltd (registration No.306242) is authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk or by contacting them on Tel: UK +44 (0)800 111 6768. Which service will we provide you with?

We do not recommend products after assessing your needs for Travel Insurance. We will ask you questions to determine that the product we are offering is applicable to your circumstances. You can then choose whether you wish to proceed with this product. What will you have to pay us for our services? We do not charge for arranging this insurance for you, you only pay us the premium for your policy.

We are paid for our services to you by the insurer AWP P&C SA This payment is a mixture of commission and other fees based on our costs for supplying you with this policy. We may charge an administration fee to cover any amendments to your travel insurance policy after it has been issued. Details will be provided to you at the time. Are you covered by Financial Services Compensation Scheme (FSCS)?

In the unlikely event the seller of this insurance is unable to meet their liabilities, you may be entitled to compensation under the Financial Services Compensation Scheme. You can contact them by writing to: Financial Services Compensation Scheme, l 0th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU. Phoning: UK +44 (0)800 678 1100 or UK +44 (0)20 77 41 4100. Visiting: www.fscs.org.uk

This travel insurance policy will suit the demands and needs of an individual, or group (where applicable) who have no excluded pre-existing medical conditions, are travelling to countries included within the policy terms and who wish to insure themselves against the unforeseen circumstances/events detailed in this policy. Subject to terms and conditions and maximum sums insured. Settlement terms We will be responsible for collecting payment for all premiums and any alterations as soon as practicable but prior to inception of your policy.

All premiums paid to us will be held as Agent of the insurer in our non Statutory Trust Bank Account. All premiums are protected under Risk Transfer agreement with the insurers. You will be responsible for paying promptly all of our payment requests for premiums, to enable us to make the necessary payments to insurers. We accept payment by cash, cheque, selected credit/ debit cards and bank transfer. Your policy Should you mislay your policy a replacement will be issued upon written request.

Governing law and language The law of England and Wales allows the parties to choose the law applicable to the contract. You agree that; 1 This policy will be governed and interpreted in accordance with the law of England and Wales and the English courts will have exclusive jurisdiction in any dispute; and 2 Communication of and in connection with this policy shall be in the English language.

If the insurer has to cancel your policy If the insurer no longer wishes to offer this policy and needs to cancel, we will write to you at the current address we have. The policy will then be cancelled 30 days after the date of our letter. If the policy is cancelled, we will refund any premium you paid in respect of the cancelled period, provided you have not made a claim under the policy during that period of Insurance. Other taxes or costs Other taxes or costs may exist which are not imposed or charged by us.

What to do if you have a complaint Please see the complaints procedure detailed in the policy. Important This policy will have been sold to you on a non­ advised basis and it is therefore important for you to read this policy (paying particular attention to the terms and conditions and exclusions) and ensure that your chosen policy meets all of your requirements. If upon reading this policy you find it does not meet all of your requirements, please refer to the relevant cooling off/policy cancellation section.

This policy, booking invoice or validation certificate (as applicable) and any endorsements set out the terms of the one contract between the insured person(s) and the insurer and which sections of cover are operative. Please read all of these documents to make sure they provide the cover required. If they are not correct, or do not meet your demands and needs, please immediately return them within the 21 day cooling off period.

You must take reasonable care not to make any misrepresentations and to provide complete and accurate answers to the questions we ask when you take out or make changes to your policy. If you fail to do so, your policy may be void, or it may be cancelled, or your claim may be rejected or not fully paid.

This policy is underwritten by AWP P&C SA and administered in the UK by Allianz Assistance, a trading name of AWP Assistance UK Ltd, Registered in England No 171036 l, Registered Office PO Box 7 4005, 60 Gracechurch Street, London, EC3P 3DS. AWP Assistance UK Ltd is authorised and regulated by the Financial Conduct Authority (FCA). AWP P&C SA is authorised and regulated by L'Autorite de Contr6le Prudentiel et de Resolution in France. Deemend authorised by the Prudential Regulation Authority (PRA).

Subject to regulation by the FCA and limited regulation by the PRA. Details of the Temporary Permissions Regime, which allows EEA­ based firms to operate in the UK for a limited period while seeking full authorisation are available on the FCA's website. Any word or expression to which a specific meaning has been attached will bear the same meaning throughout this policy. For ease of reading the definitions are highlighted by the use of bold print.

Baggage

Luggage, clothing, personal effects, valuables and other articles (but excluding personal money, tickets or documents of any kind) which belong to you (or for which you are legally responsible) which are worn, used or carried by you during any insured trip.

Close relative

Mother, father, sister, brother, wife, husband, partner (including common law and civil partnerships), son, daughter (including fostered/ adopted), grandparent, grandchild, parent in-law, son in-law, daughter in-law, brother in-law, sister in-law, step parent, step child, step sister, step brother or legal guardian.

Computer system

Any computer hardware, software, communication system or electronic device (including smartphones, laptops, tablets and wearable devices), server, cloud, microcontroller or similar system (including any associated input, output or data storage device, networking equipment or backup facility).

Cyber risk

Any unauthorised, malicious or illegal act (or the threat of such act), involving access to or the processing, use or operation of any computer system;

• Any error or omission involving access to or the processing, use, or operation of any computer system;
• Any partial or total unavailability or failure to access, process, use or operate any computer system; or
• Any loss of use, reduction in functionality, repair, replacement, restoration or reproduction of any data, including any amount relating to the value of such data.

Dependent business partner

A person who works for the same employer as you and whose absence from work necessitates your presence.

Diagnostic tests

All laboratory and imaging (invasive and non-invasive) tests ordered by the treating doctor to help diagnose or rule out a suspected illness or condition including PET scans, CT scans, MRls, EKGs, EMGs, X-rays, echocardiograms, cardiac nuclear studies or cardiovascular procedures such as coronary angiograms plus blood, urine or histopathological tests.

Doctor

A registered practising member of the medical profession who is not related to you or any person with whom you are travelling.

Epidemic

A contagious disease recognised by the World Health Organization (WHO) or an official government authority in your home country or your trip destination.

Home country

The country that you normally reside in.

Insured person, you, your

Any person named on the booking invoice or validation certificate (as applicable).

Insurer

AWP P&C SA

Medical condition

Any disease, illness or injury.

Pandemic

An epidemic that is recognised as a pandemic by the World Health Organization (WHO) or an official government authority in your home country or your trip destination.

Policy excess

The first part of the claim that you will be responsible for paying. When applicable, this amount applies to each claim, per section, for each separate incident per insured person.

Pre-existing medical condition

a Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn's disease, epilepsy, allergy, cancer, psychiatric or psychological condition (including anxiety, stress and depression) for which you have received treatment (including surgery, tests or investigations by your doctor or a consultant/specialist or prescribed medication) in the last five years. b Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last l 2 months, or are prescribed medication.

Quarantine

Mandatory confinement, intended to stop the spread of a contagious disease, to which you or a travelling companion have been exposed.

Strike or industrial action

Any form of industrial action taken by workers which is carried on with the intention of preventing, restricting or otherwise interfering with the production of goods or the provision of services.

Terrorism (including cyber terrorism)

An act, or acts, of any person, or group of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear, including but not limited to, the actual use of force or violence and/ or the threat of such use. Furthermore, the perpetrators of a terrorist activity can either be acting alone, or on behalf of, or in connection with any organisation or government.

Travelling companion

A person you have arranged to travel with on your trip and without whom it would be unreasonable to expect you to continue your trip.

Unattended

When you are not in full view of and not in a position to prevent unauthorised interference with your property.

Utilisation of nuclear, chemical or biological weapons of mass destruction

The use of any explosive nuclear weapon or device; or the emission, discharge, dispersal, release or escape of: fissile material emitting a level of radioactivity, or any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesised toxins), or any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals.

Valuables

Audio, visual, video, photographic, computer, laptops, iPad and/or android tablet or similar device, and portable navigation equipment, ipods, ipod touch and/ or accessories, ebook readers, jewellery, furs, gold and silver items, watches, binoculars, musical instruments, electronic games and sports equipment.

Volunteering

You taking part in community or wildlife based conservation/project work when arranged by a professional organisation. This includes caring and teaching; and may also include supervised building/ renovation projects if the activity does not form part of your usual occupation or involve the use of plant/ trade/industrial machinery, or non domestic power tools.

We, our, us

Allianz Assistance, which administers the insurance on behalf of the insurer.

Winter sports equipment

Skis (including bindings), ski boots, ski poles and snowboards.

If you have any general queries concerning this Insurance, or if there is anything you do not understand, please contact the Insurance Brokers who arrange the scheme: Write to: Campbell Irvine limited, 52 Earls Court Road, Kensington, London WB 6EJ. Phone: UK +44 (0)20 7938 1734.

Please tell us immediately about any serious illness or accident abroad where you have to go into hospital or you may have to return home early or extend your stay because of any illness or injury. If you are unable to do this because the condition is life, limb, sight or organ threatening, you should contact us as soon as you can. You must also tell us if your medical expenses are over £500. If you are claiming for a minor illness or accident you should, where possible, pay the costs and reclaim the money from us when you return.

You can call 24 hours a day 365 days a year or email. Phone: UK +44 (0)20 8603 9485 Fax: UK +44 (0)20 8603 0204 Email: medical@allianz-assistance.co.uk Quote ref: Campbell Irvine Direct 72701VL 02/22 Please give us your age and your insurance booking or validation certificate number. Say that you are insured with Campbell Irvine Direct 72701VL 02/22. Below are some of the ways the 24-hour medical emergency assistance service can help.

Confirmation of payment We will contact hospitals or doctors abroad and guarantee to pay their lees, providing you have a valid claim. We may require written consent to contact your doctor to obtain details of any past medical history specifically relating to your claim. Repatriation If our medical advisers think it would be in your medical interests to bring you back to your home or to a hospital or nursing home in your home country, you will normally be transferred by regular airline or road ambulance.

Where medically necessary in very serious or urgent cases, we will use an air ambulance. We will consult the treating doctor and our medical advisers first. If you need to go home early, the treating doctor must provide a certificate confirming that you are lit to travel. Without this the airline con refuse to carry any sick or injured person. You con contact us at any time, day or night. You will be answered by one of our experienced assistance co-ordinators who you should give all relevant information to.

Please make sure you have details of your policy before you phone. Note Failure to contact the medical emergency assistance service to obtain our authorisation may result in your claim being reduced or declined.

For claims under Sections A-F and H To submit a claim online please go to: www.submitaclaim.eo.uk/ci Alternatively you can download a claim form at: www.csal.co.uk or you can Write to: Claims Settlement Agencies 308-314 London Rood, Hadleigh, Essex SS7 2DD Phone: UK +44 (0)1702 553 443 Email: info@csal.co.uk For claims under Section G You can call our 24-hour legal helpline for advice on a travel related legal problem to do with your trip. Phone: UK +44 (0)20 8603 9804

THIS IS NOT PRIVATE MEDICAL INSURANCE. A note to all insured persons, doctors and hospitals. This is not a private medical insurance. If any medical treatment is needed, you must tell us immediately or we may not guarantee medical expenses. If you need any medical treatment, you must allow the medical emergency assistance service to see all of your medical records and information.

Important declaration Anyone named under this policy should have read this Important declaration and understood the terms, conditions and exclusions relating to the health of you and anyone else upon whom your trip depends. This policy contains health restrictions that apply to your cover under certain sections of this policy. This policy can only provide cover in respect of an accident or illness which is sudden, unforeseen and beyond your reasonable control. Cover is excluded for any defined pre-existing medical condition.

If in doubt please contact our medical screening service, in confidence on: UK +44 (0)1702 427 237 or, online at www.policyscreening.com/ cidirect Definition of a Pre-existing medical condition: a Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn's disease, epilepsy, allergy, cancer, psychiatric or psychological condition (including anxiety, stress and depression) for which you have received treatment (including surgery, tests or investigations by your doctor or a consultant/specialist or prescribed medication) in the last five years. b Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or are prescribed medication.

Medical screening The medical screening service is optional for those persons wishing to establish if additional cover may be offered to include pre-existing medical conditions. You will be asked for your personal and travel details. Please have your insurance policy number to hand if known. You will be advised whether the pre-existing medical condition may be covered, an optional additional premium may be quoted and whether any amendments will be made to the policy terms and conditions.

If terms can be provided for the condition and you elect to take up the offer of the additional cover, you will be given a medical screening reference number and a letter will be sent to you upon receipt of payment. Any additional premiums must be paid directly to the medical screening service and not the company you are arranging your travel insurance with. If you do not:

• declare full details about your pre-existing medical condition to the medical screening service; or
• accept the special terms applied to your policy by the medical screening service you will not be covered for any claims arising from:
• any pre-existing medical conditions; or
• any medical conditions linked to these pre-existing medical conditions. There is no cancellation or curtailment cover for a pre-existing medical condition of persons not necessarily travelling but upon whom travel depends, such as a close relative, unless you are able to agree to the 'Non travelling relatives' section of this policy. You should also refer to the 'General exclusions' of this policy. If you fail to declare a medical condition and the policy would have still been issued to you but for an additional premium, the insurer may decide to make a proportionate settlement in line with the premium you have paid.

If your health changes after taking out this insurance, you must tell us as soon as possible by calling the Medical Screening service on UK +44 (0)1702 427 237 if this means you have to:

• see a doctor and be referred to a consultant or specialist; or
• be admitted to hospital for treatment (including surgery, tests or investigations); or
• await treatment or the results of tests and investigations. We will tell you whether or not your medical condition (or conditions) can be covered and if you need to pay an extra premium. If we cannot cover your medical condition (or conditions), or you do not want to pay the extra premium, you can choose to:
• make a cancellation claim for any trip already booked; or
• continue cover on this policy, but without cover for your medical conditions; or
• cancel this policy and request a proportionate/ partial refund (as long as you have not made a claim or intend to make a claim).

If your health changes after taking out this insurance, you do not need to tell us providing your doctor has confirmed to you that you remain medically fit to undertake the planned trip itinerary.

You may have a close relative with a medical condition who is not travelling with you. In some cases, if their state of health deteriorates greatly, you may want to cancel or curtail your trip. Subject to all the other terms and conditions, such claims are covered if the close relative's doctor is prepared to

Claims relating to normal pregnancy, where there is no accompanying bodily injury, illness, disease or complication, are not covered under this policy. This policy is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event. There is no cover for any claims arising from pregnancy when you are expected to give birth within two months of the return date of your trip.

Cover can only be considered where there is a complication of pregnancy or if you were unaware of the pregnancy at the time of purchasing the insurance or booking a trip (whichever is later) and you are advised not to travel by a doctor. We cannot provide cover for new medical conditions for which you have not received a formal diagnosis. state that at the date you bought this policy, he/she would have seen no substantial likelihood of his/her patient's condition deteriorating to such a degree that this would become necessary.

If the doctor will not confirm this, your claim is not covered. Airlines and ferry companies have their own restrictions due to health and safety requirements so please ensure that you check with them or with any other transport provider before you book the trip. Please also ensure that your doctor and midwife are aware of your travel plans, that there are no known complications and that you are not travelling against any medical advice.

We aim to provide you with a first class policy and service. However, there may be times when you feel we have not done so. If this is the case, please tell us about it so that we can do our best to solve the problem. If you make a complaint your legal rights will not be affected. Stepl

• For complaints regarding the sale of your policy: Write to: The General Manager, Campbell Irvine Ltd, 52 Earls Court Road, Kensington, London W8 6EJ. Phone: UK +44 (0)20 7938 1734
• For complaints regarding claims or administration of your policy: Write to: Customer Service, Allianz Assistance, l 02 George Street, Croydon, CR9 6HD Phone: UK +44 (0)20 8603 9853 Ema i I: customersupport@allianz-assistance.co.uk

The period that you are insured for as shown on your booking invoice or validation certificate (as applicable). Single trip Cover under Section D - Cancellation starts from the date of issue stated on your booking invoice or validation certificate (as applicable) and ends when you leave your residence or place of business to commence travel. Cancellation cover shall only apply for a period of up to 24 months prior to the trip departure date stated on your booking invoice or validation certificate (as applicable).

The maximum trip duration for person aged 70 to 7 4 years of age is limited to 31 days. Cover under all other sections of the policy starts when you leave your normal residence or place of business to commence your trip or from the date shown on the booking invoice or validation certificate (as appropriate). All cover ends on your return home, within 24 hours of your return to your home country, or at the expiry of the period of insurance, whichever is first. One way travel All cover ceases on arrival at final destination.

Step 2 If you are not satisfied with our final response you can refer the matter to the UK Financial Ombudsman Service for independent arbitration. Visit: www.financial-ombudsman.org.uk Write to: Financial Ombudsman Service, Exchange Tower, London E 14 9SR Phone: UK +44 (0)800 023 4567 or UK +44 (0)300 123 9123 Email: complaint.info@financial-ombudsman.org.uk Annual multi-trip For Worldwide policies - any one trip shall be limited to a maximum duration of 70 days or 31 days if aged 66 years or more at the date of payment of insurance premium.

For Europe policies - any one trip shall be limited to a maximum duration of 31 days irrespective of age. For any trip known to be exceeding the maximum duration, the entire period of travel including the first 70/3 l days will not be insured. Cover under Section D - Cancellation starts from either the date of issue shown on your booking invoice or validation certificate (as applicable), or the booking date of each individual trip to which this insurance relates, whichever is later.

Cover under all other sections of the policy starts from the date shown on your booking invoice or validation certificate (as applicable), or the time you leave your normal residence or place of business to commence your trip on the departure date of each individual trip to which this insurance relates, whichever is the later. Cover for each trip ends on your return home or within 24 hours of your return to your home country, whichever is first.

All cover under the policy ends on the expiry of the period of insurance as shown on your booking invoice or validation certificate (as applicable).

Automatic trip extension If you are prevented from completing your travel before the expiration of this Insurance as stated under the period of insurance on the booking invoice or validation certificate (as applicable) for reasons which ore beyond your control, including ill health or failure of public transport, this policy will remain in force until completion but not exceeding a further 31 days on a day by day basis, without additional premium.

You must comply with all the terms and conditions stated in this policy, exercise reasonable core, and act as if uninsured at all times to hove the full protection of the policy. If you do not comply the insurer may at their option cancel the policy or refuse to deal with the claim or reduce the amount of any claim payment. General conditions At the time of purchasing this policy you will hove been asked questions to enable us to assess your risk.

These may include but ore not limited to questions about your state of health or that of a close relative or any planned sports or activities. You must take reasonable core to answer these questions completely and accurately. If the answers given change after the policy was purchased you must notify us of this change.

Upon any failure to answer the questions completely, accurately or honestly, or to inform us of any change, your policy may be declared void, or be cancelled, or we may refuse to pay your claim in full or in port, or we may revise the premium due or we may change any policy excess, or the extent of your cover under the policy may be affected.

2 This policy is available for holiday or business travel but excludes overseas residency, permanent overseas employment, work of a predominantly manual nature (other than volunteering) or any hazardous activity not agreed on behalf of the insurer. 3 An extra premium hos to be paid for any person aged 66 years or more at the date of payment of insurance premium.

The policy is not available for persons aged 7 5 years or more at the dote of payment of insurance premium (reduced to 70 years or more for annual multi-trip policies, unless we agree otherwise in writing). If you ore hijacked, cover shall continue whilst you ore subject to the control of the person(s) or their associates making the hijack during the period of insurance for a period not exceeding 12 months from the dote of the hijack. Please ensure you arrange cover for the entire duration of your travel.

4 You must contact the medical emergency assistance service as soon as possible with full details of anything which may result in a claim as a result of a medical emergency. 5 Unless agreed otherwise, English law will apply and all communications and documentation in relation to this policy will be in English. In the event of a dispute concerning this policy the English courts shall have exclusive jurisdiction.

Rights of third parties We, the insurer and you do not intend any term of this contract to be enforceable by any third party pursuant to the Contracts (Rights of Third Parties) Act 1999. Financial Services Compensation Scheme (FSCS) For your added protection, the insurer is covered by the FSCS. You may be entitled to compensation from the scheme if the insurer cannot meet its obligations. This depends on the type of business and the circumstances of the claim. Insurance cover provides protection for 90% of the claim, with no upper limit.

Further information about the compensation scheme arrangements is available from the FSCS, telephone number UK +44 (0)800 678 1100 or UK +44 (0)20 7741 4100, or by visiting their website at www.fscs.org.uk.

We care about your personal data. The summary below and our full privacy notice explain how Allianz Assistance protects your privacy and uses your personal data. Our full privacy notice is available at www.allianz-assistance.co.uk/ privacy-notice/ If a printed version is required, please write to Customer Service (Data Protection), Allianz Assistance, l 02 George Street, Croydon CR9 6HD. How will we obtain and use your personal data? We will collect your personal data from a variety of sources including:

• Data that you provide to us; and
• Data that may be provided about you from certain third parties, such as your insurance representative, doctors in the event of a medical emergency or airline companies in the event of repatriation. We will collect and process your personal data in order to comply with our contractual obligations and/ or for the purposes of our legitimate interests including:
• Entering into or administering contracts with you; Who will have access to your personal data? We may share your personal data:
• With public authorities, other Allianz Group companies, industry governing bodies, regulators, fraud prevention agencies and claims databases, for underwriting and fraud prevention purposes;
• With other service providers who perform business operations on our behalf;
• Organisations who we deal with which provide part of the service to you such as in the event of a medical emergency;
• To meet our legal obligations including providing information to the relevant ombudsman if you make a complaint about the product or service that we have provided to you. We will not share information about you with third parties for marketing purposes unless you have specifically given us your consent to do so. How long do we keep your personal data? We will retain your personal data for a maximum of seven years from the date the insurance relationship between us ends. If we are able to do so, we will delete or anonymise certain areas of your personal data as soon as that information is no longer required for the purposes for which it was obtained. Where will your personal data be processed? Your personal data may be processed both inside and outside the United Kingdom (UK) and the European Economic Area (EEA). Whenever we transfer your personal data outside the UK and the EEA to other Allianz Group companies, we will do so on the basis of Allianz's approved binding corporate rules (BCR). Where Allianz's BCR do not apply, we take steps to ensure that personal data transfers outside the UK and the EEA receive an adequate level of protection. What are your rights in respect of your personal data? You have certain rights in respect of your personal data. You can:
• Request access to it and learn more about how it is processed and shared;
• Request that we restrict any processing concerning you, or withdraw your consent where you previously provided this;
• Request that we stop processing it, including for direct marketing purposes;
• Request that we update it or delete it from our records;
• Request that we provide it to you or a new insurer; and
• File a complaint.

Automated decision making, including profiling We carry out automated decision making and/or profiling when necessary. How can you contact us? If you would like a copy of the information that we hold about you or if you have any queries about how we use your personal data, you can contact us as follows:

• For Allianz Assistance Write to: Customer Service (Data Protection), AWP Assistance UK Ltd, l 02 George Street, Croydon CR9 6HD Phone: UK +44 (0)20 8603 9853 Email: AzPUKDP@allianz.com Other privacy notices If you would like to view the full privacy policy of Claims Settlement Agencies limited visit: www.csal.co.uk/ privacy-policy If you would like to view the full privacy policy of Campbell Irvine Limited visit: www.campbellirvine.com

Statutory cancellation rights You may cancel this policy within 21 days of receipt of the policy documents by contacting your issuing agent. Any premium already paid will be refunded to you providing you have not travelled, no claim has been mode or is intended to be mode and no incident likely to give rise to a claim hos occurred.

European / Global Health Insurance Card (EHIC and GHIC)

• If you already have a valid EHIC, it will continue to entitle you to reduced-cost, sometimes free, medical treatment that becomes necessary while you ore in a European Economic Area (EEA) country or Switzerland. The EEA consists of the European Union (EU) countries plus Iceland, Liechtenstein and Norway. Cover will end on the expiry dote of your EHIC.
• If you do not have a valid EHIC or it is due to expire before you travel, you con apply for a GHIC. This entitles you to reduced-cost, sometimes free, medical treatment that becomes necessary while you ore in a European Union (EU) country.
• These cards give access to state-provided medical treatment only. Remember, this might not cover all the things you would expect to get free of charge from the NHS in the UK. You may hove to make a contribution to the cost of your care.
• You may apply for on GHIC online at www.ghic. org.uk or by calling 0300 330 1350. Note The EHIC/GHIC do not cover the cost of medical treatment in a private hospital or clinic, the additional cost of returning to your home country or for a close relative to stay or fly out to be with you. In a medical emergency you may hove no control over the hospital you ore taken to or the closest hospital may be private. Cancellation outside the statutory 21 day cooling off period You may cancel this policy at any time after the statutory 21 day cooling off period by contacting your issuing agent. If you cancel after the statutory 21 day cooling off period no premium refund will be mode. Non payment of premiums We reserve the right to cancel this policy immediately in the event of non payment of the premium. Australia
• If you ore travelling to Australia you should enrol in Medicare which will entitle you to subsidised hospital treatments and medicines. You con do this by contacting a local Medicare office in Australia.
• All claims for refunds under the Medicare scheme must be mode before you leave Australia. For more information on Medicare visit: www.medicareaustralia.gov.au or email: medicare@medicareaustralia.gov.au. If you make use of these arrangements or any other worldwide reciprocal health arrangement which reduces your medical expenses, you will not hove to pay a policy excess under Section A - Emergency medical expenses.

Duplicate insurance If at the time of loss, theft, damage, expense or liability insured by Sections A, D, E, F, G and H there is another insurance against such loss or any part thereof, the insurer shall be liable under this Insurance for their proportionate share only of such loss. Subrogation The insurer is entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for the insurer's benefit against any other party.

Documentation All certificates, information and evidence required by the insurer shall be furnished at your or your legal personal representatives expense and shall be in such form and of such nature as the insurer may prescribe. You shall as often as required submit to medical examination on behalf of the insurer at their own expense and in the event of your death the insurer shall be entitled to hove a post-mortern examination at their own expense.

Recognising our rights You and each insured person must recognise the insurer's right to: 1 Pay, repair or replace Choose either to pay the amount of a claim (less any palicy excess and up to any surn insured limit) or repair, replace or reinstate any itern or property that is damaged, lost or stolen; 2 Inspect and dispose of items Inspect and take possession of any itern or property for which a claim is being made and handle any salvage in a reasonable manner; 3 Handle a claim in your name Take over and deal with the defence or settlement of any claim in your name and keep any amount recovered; 4 Pay in sterling Settle all clairns in pounds sterling; 5 Be reimbursed promptly Be reimbursed within 30 days for any costs or expenses that ore not insured under this policy, which the insurer pays to you or on your behalf; 6 Receive medical certificates Be supplied at your expense with appropriate original medical certificates where required before paying a claim; 7 Carry out medical examinations Request and carry out a medical examination and insist on a post-rnortern examination, ii the law allows them to ask for one, at our expense.

Paying claims 1 Death a If you ore l 8 years old or over, clairns ore paid to your estate and the receipt given to the insurer by your personal representatives shall be a full discharge of all liability by the insurer in respect of the clairn. b If you ore aged under l 8 years, the insurer shall pay any claim to your parent or legal guardian. Your parent or legal guardian's receipt shall be a full discharge of all liability by the insurer in respect of the claim.

2 All other claims: a If you ore l 8 years old or over, the insurer shall pay the claim to you and your receipt shall be a full discharge of all liability by the insurer in respect of the claim. b If you ore aged under l 8 years, the insurer shall pay the appropriate benefit amount to your parent or legal guardian for your benefit. Your parent or legal guardian's receipt shall be a full discharge of all liability by the insurer in respect of the claim.

Please refer to the 'Claims checklist' at the back of this policy for a list of documentation required by our claims handlers to process a claim. Fraudulent claims You must not act in a fraudulent manner.

If you or anyone acting for you: 1 Make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect; or 2 Make a statement in support of a claim knowing the statement to be false in any respect; or 3 Submit a document in support of a claim knowing the document to be forged or false in any respect; or 4 Make a claim in respect of any loss or damage caused by your wilful act or with your involvement.

Then the insurer: 1 Shall not pay the claim 2 Shall not pay any other claim which has been made or will be made under the policy. 3 May at their option declare the policy void. 4 Sholl be entitled to recover from you the amount of any claim already paid under the policy. 5 Shall not make any premium returns. 6 May inform the police of the circumstances.

Essential Travel If you have decided to travel despite the Foreign, Commonwealth and Development Office advising against all but essential travel, we will need evidence of why you believe your travel should be considered essential in the event of a claim.

Policy excesses - Applicable to most claims The insurer shall not pay: 1 The first £75 of each and every claim, per incident claimed for under each section by each insured person. 2 The first £250 of each and every claim arising from the same incident under Section B - Personal liability (in respect of the use of rented temporary accommodation only) and G - Legal expenses. 3 The first £500 of each and every claim, by each insured person under Section Al, if the claim involves helicopter mountain medical rescue in Nepal.

No policy excess applies to Section C - Personal accident, Section D - Cancellation and curtailment (loss of deposit only claims), Section El, E2, and E3 - Travel delay, Section F5 - Delayed baggage and Section H - Piste closure only. Please also note that ii you have a valid claim for medical expenses which is reduced by you using an EHIC/GHIC; or taking advantage of a reciprocal health agreement with your home country; or using your private medical insurance; at the point of treatment, then the insurer will not deduct the policy excess.

You will not be covered under Section A- Medical expenses, Section C - Personal accident and Section D - Cancellation or curtailment for any claim directly or indirectly caused by, arising or resulting from, or in connection with either; 1 At the time of taking out this policy: a Any pre-existing medical condition unless you have contacted the medical screening service on UK +44 (0)1702 427 237 or, online at www.policyscreening.com/cidirect and the insurer has agreed to provide cover and you have paid any additional premium required. b Any medical condition that you or any other person not necessarily travelling but upon whom travel depends such as a close relative has received a terminal prognosis. c Any medical condition you are aware of but which has not had a formal diagnosis. d Any medical condition for which you or any other person not necessarily travelling but upon whom travel depends such as a close relative is on a waiting list for or has knowledge of the need for surgery in a hospital; or 2 After the date this policy was purchased including prior to booking any individual journey in respect of an annual multi-trip policy: A change of health or where the cost of any claim is increased due to a change of health, if the procedure detailed under the 'Health declaration and health exclusions' section has not been followed.

3 At any time: a Any medical condition where you have travelled despite a doctor advising you not to travel (or where they would have advised you not to travel had you sought their advice). b Any surgery, treatment or investigations for which you intend to travel outside your home country to receive (including any expenses incurred due to the discovery of other medical conditions during and/or complications arising from these procedures). c Any medical condition for which you or any other person not necessarily travelling but upon whom travel depends such as a close relative is not taking the recommended treatment or prescribed medication as directed by a doctor. d Pregnancy known at the time of booking your trip or buying this policy (whichever is later) ii you are expected to give birth within two months of the return date of your trip; e Participating in any activity where you have been advised against doing so by a doctor or where you would have been advised against participating ii you had sought your doctors advice.

The insurer shall not pay (unless agreed in writing by or on behalf of the insurer) for any claim directly or indirectly caused by, arising or resulting from, or in connection with: 1 a i Mountaineering or climbing; pot-holing; sports tours; motorised competitions; racing; competing in or practising for speed or time trials of any kind; or ii Travelling by quadbike or motorcycle (except for motorcycles up to 125cc which are hired or borrowed during the period of insurance and when you are wearing a crash helmet); or iii Driving a motor vehicle or riding a motorcycle quad bike or any mechanically assisted cycle on a public highway without the appropriate driving licence; or iv Skiing, snowboarding and snowmobiling, unless the appropriate premium has been paid and is shown on the booking invoice or validation certificate (as applicable), but always excluding ski racing, ski jumping, freestyle winter sports, ice hockey or the use of bobsleighs or skeletons. b Any activity where you do not wear the recommended/recognised safety equipment, or do not follow the safety procedures, rules or regulations of the activity's organisers/providers; or c Any activity in the air (other than as a passenger in a fully licensed passenger-carrying-aircraft, bungee jumping or parasailing); or d Wilful exposure to needless danger (other than in an attempt to save human life); or e Air travel within 24 hours of scuba diving.

Note

• Exclusions la, 1 b, le and ld are not applicable to cancellation claims under Section D.
• See 'Sporting and adventurous activities' section. 2 Private medical treatment unless authorised by the medical emergency assistance service. 3 Any wilfully self inflicted injury or illness, suicide or attempted suicide, sexually transmitted diseases, solvent abuse, the use of drugs (other than medically prescribed) and the effects of alcohol. 4 Your participation in any criminal or illegal acts. 5 a Unless the insurer provides cover under this insurance, any other loss, damage or additional expenses following on from the event for which you are claiming. Examples of such loss, damage, or additional expense would be the cost of replacing locks after losing keys, costs incurred of preparing a claim, or loss of earnings following bodily injury or illness. b Any costs for; telephone calls (other than the first call to the medical emergency assistance service to notify them of a medical problem requiring hospitalisation); or ii taxi fares (unless a taxi is being used in place of an ambulance to take you to or from a hospital); or iii food and drink expenses (unless these form part of your hospital costs if you are kept as an in-patient). 6 Any exposure to the utilisation of nuclear, chemical or biological weapons of mass destruction. 7 a Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste resulting from the combustion of nuclear fuel; or b The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component of such assembly. 8 Sonic or pressure waves from aircraft and other airborne devices travelling at sonic or supersonic speeds. 9 Any consequence of any act of war, invasion, act of foreign enemy, hostilities (whether declared or not), civil war, civil commotion, rebellion, revolution, insurrection, military force, any act of terrorism {including cyber terrorism) where you are actively engaged and/ or where you have travelled and/or you remain contrary to Foreign and Commonwealth Office travel advice. 10 An epidemic or pandemic, except as expressly covered under Section A - Emergency medical expenses, Section D - Cancellation or curtailment and Section H - Winter sports extension. 11 You not following any suggestions or recommendations made by the Foreign, Commonwealth and Development Office (FCDO), World Health Organization (WHO) or any government or other official authority. This includes where:
• Certain vaccinations or other preventative measures (such as malaria tablets) are recommended by your doctor.
• The FCDO or equivalent government authority in your home country has advised against: all travel; or all but essential travel (unless the purpose of your journey is necessary, urgent and cannot be postponed - evidence of this will be required see Claims conditions);
• You have travelled against the advice of a local authority at any destination you are travelling from, through or to. For further details on FCDO travel advice for British travellers, visit: gov.uk/foreign-travel-advice 12 Any search or ship to shore rescue costs (cost charged to you by a Government, regulated authority or private organisation concerned with finding and rescuing an individual). This exclusion does not include medical evacuation costs by the most appropriate transport detailed in Section Al, or Additional mountain rescue (risk to life) costs detailed in Section A5. 13 Something that happened before your policy or travel tickets for your trip were bought (whichever is later) and which could reasonably have been expected to give rise to a claim, unless the insurer's agree to it in writing. 14 The financial failure of a tour operator, travel agent, transport provider, accommodation provider, ticketing agent or excursion provider. 15 Any other loss connected to the event you are claiming for unless the insurer specifically provides cover under this policy. 16 Any disinclination to travel. 17 Any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America. 18 Your use, ownership, possession or operation of drones of any kind. 19 Cyber risks of any kind.

WHAT YOU ARE COVERED FOR

Emergency medical, repatriation and associated expenses - Up to £10 million

If you suffer occidental bodily injury or become ill (including being diagnosed with on epidemic or pandemic disease such as COVID-19 as well as being subject to compulsory quarantine on the orders of a treating doctor) the insurer will pay:

• a normal and necessary receipted expenses of emergency medical or surgical treatment incurred outside your home country including, emergency dental treatment to relieve pain and suffering (limited to £250), specialists or ophthalmic fees, hospital, nursing attendance charges, physiotherapy, massage and manipulative treatment, surgical and medical requisites, decompression chambers, ambulance/ necessary transport charges (including helicopter/ air ambulance charges if medically necessary and authorised by the medical emergency assistance service; or their agents).

2. Diagnostic tests - Up to £10,000

The insurer will pay up to £10,000 for diagnostic tests incurred outside your home country.

3. In-patient benefit - Up to £300

In addition to the costs referred to above the insurer will also pay the sum of £20 co~pensation for each complete day, up to £300, that you ore admitted to hospital outside your home country.

4. Criminal injuries - Up lo £5,000

Should you be admitted to hospital as on in-patient as a result of receiving criminal injuries following a personal assault verified by a written report that substantiates the injuries resulted from on unprovoked personal assault, the in-patient benefit payable under Section A3 is increased to £100 each complete day, up to £5,000, that you ore admitted to hospital outside of your home country.

5. Additional mountain rescue (risk lo life) - Up to £2,000

If during the period of insurance local rescue authorities declare you need mountain rescue to ovoid risk to your life despite not being ill or injured, the insurer will pay up to £2,000 for receipted rescue costs if authorised by the medical emergency assistance service or their agents.

Conditions specific lo AS - Additional mountain rescue (risk lo life).

• 1 Contact must be mode with the medical emergency assistance service on UK +44 (0)20 8603 9485 as soon as possible;
• 2 All reasonable local safety advice has been obtained and followed;
• 3 Expenses are only payable for your proportion of the mountain rescue operation up to the sum insured.
• 4 Costs will only be covered up to the point when you are recovered by the mountain rescue services or at the time when the authorities advise that continuing the rescue is no longer viable.
• 5 A written statement from the appropriate local rescue authorities involved in the rescue must be obtained and provided to the insurer in the event of a claim.

WHAT YOU ARE NOT COVERED FOR

Exclusions applicable to Section A The insurer shall not pay for any claim directly or indirectly caused by, arising or resulting from, or in connection with: l Travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.

• 2 A pre-existing medical condition unless the insurer has agreed to provide cover and you have paid any additional premium required.
• 3 The cost of medical or surgical treatment of any kind received by you later than 52 weeks from the date of the accident or commencement of the illness.
• 4 Medical expenses incurred in your home country.
• 5 A claim that is not verified by a medical report whilst travelling.
• 6 Elective or cosmetic surgery is excluded except in the event of reconstruction following an accident. Any procedures require advance approval from the medical emergency assistance service.
• 7 Dental treatment to provide, replace or repair caps, crowns or bridges other than the relief of pain and suffering.
• 8 Any form of treatment or surgery which in the opinion of the medical emergency assistance service can be reasonably delayed until you return to your home country.
• 9 Any medical treatment and associated costs you have to pay following your refusal of curtailment, or your decision not to move hospital or return to your home country alter the date when, in the opinion of the medical emergency assistance service, you should have done so.
• 10 Accommodation and travel expenses where the transport and/ or accommodation used are of a standard superior to that of the trip unless agreed by the medical emergency assistance service.
• 11 Medication you are taking before and which you will have to continue taking during your trip (except in the event of accidental loss or damage to that medication).
• 12 A policy excess which will apply to this section, please refer to 'General exclusions'.

WHAT YOU ARE COVERED FOR

Up to £2 million The insurer will pay up to £2 million (inclusive of legal costs and expenses) if you become legally liable to pay damages in respect of:

• 1 Accidental bodily injury, including death, illness and disease to a person; and/or
• 2 Accidental loss of or damage to property during the period of insurance. The insurer will indemnify you for all such damages in respect of each occurrence or a series of occurrences arising directly or indirectly from one source or original cause.

WHAT YOU ARE NOT COVERED FOR

Exclusions applicable to Section B

• 1 The insurer will not pay the policy excess as shown in the 'General exclusions' section.
• 2 The insurer will not pay for anything mentioned in the 'General exclusions' section.
• 3 The insurer will not pay any liability for:
• a bodily injury, illness or disease of any person who is your close relative, travelling companion, or under a contract of employment, service or apprenticeship with you when the bodily injury, illness or disease arises out of and in the course of their employment with you;
• b loss or damage to property belonging to or held in trust by or in the custody or control of you other than temporary accommodation occupied by you during the period of insurance;
• c bodily injury or damage caused directly or indirectly in connection with the ownership, possession or use by you or on behalf of you of: aircraft, hovercraft, watercraft (other than non-mechanically powered watercraft), mechanically propelled vehicles (other than wheelchairs, electric wheelchairs and mobility scooters, golf buggies used on golf courses and not on public roads), firearms (other than sporting guns);
• d bodily injury caused directly or indirectly in connection with: the ownership, possession or occupation of land or buildings, immobile property or caravans or trailers, any wilful or malicious act, carrying on of any trade, business or profession, any racing activity;
• e fraudulent, dishonest or criminal acts of you or any person authorised by you. any claim resulting from venereal disease, sexually transmitted diseases, infection with the Human Immunodeficiency Virus (HIV) or Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) howsoever this syndrome has been acquired or may be named;
• g any claim assumed by you under any contract or agreement unless such liability would have attached in the absence of such contract or agreement;
• h punitive or exemplary damages.

Provided that

• 1 You or your legal representatives give the insurer written notice immediately you receive any prosecution notice or inquest connected to circumstances which may lead to a claim under this section.
• 2 No admission, offer, promise, payment or indemnity shall be made by or on your behalf without the insurer's prior written consent.
• 3 Every claim notice, letter, writ or process or other document served on you shall be forwarded to the insurer immediately upon receipt.
• 4 The insurer shall be entitled to take over and conduct in your name the defence or settlement of any claim or to prosecute in your name for the insurer's own benefit any claim for indemnity or damages against all other parties or persons.
• 5 The insurer may at any time pay you in connection with any claim(s) up to £2 million (after deduction of any sums already paid as compensation) or any lesser amount for which such claim(s) can be settled. Once this payment is made the insurer shall relinquish the conduct and control and be under no further liability in connection with such claim(s) except for the payment of costs and expenses recoverable or incurred prior to the date of such payment.

WHAT YOU ARE COVERED FOR

Up to £25,000 In the event of you sustaining bodily injury arising wholly and exclusively from violent accidental external and visible means which injury shall solely and independently of any other cause result in your death or disablement within twelve calendar months of the injury, the insurer will pay the following sums insured:

• 1 Death, or £10,000 2 loss of sight of one or both eyes, or 3 loss of one or more limbs, or
• 4 Permanent total disablement

Provided that

£25,000 £25,000 £25,000 a the benefit payable under 1 above is reduced to £1,000 if you are under 16 years of age or 66 years of age or over at the time of death b the total compensation in respect of any one insured person shall not exceed £25,000.

Section specific definitions

Loss of one or more limbs: loss or severance at or above the wrist or ankle or total permanent loss of use of an entire arm or leg. Loss of sight: total and irrecoverable loss of sight which shall be considered as having occurred:

• a in both eyes if your name is added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist. b in one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen Scale. Permanent total disablement: A disability which has lasted for at least 12 months from which the insurer believes you will never recover and which prevents you from carrying out any gainful occupation for which you are reasonably qualified by way of training, education or experience.

WHAT YOU ARE COVERED FOR

Up to £3,000 (Unless the appropriate additional 'Top up cancellation' premium has been paid and is shown on your booking invoice or validation certificate (as applicable)). Should you necessarily have to cancel the projected trip before commencement or curtail it before completion as a result of:

• 1 The death, accidental bodily injury or illness (including being diagnosed with an epidemic or a pandemic disease such as COVID-19) of you or a travelling companion.
• 2 You or a travelling companion being held in quarantine before your trip or during your trip by order or other requirement of a government or public authority, based on their suspicion that you or a travelling companion, specifically, have been exposed to a contagious disease (including an epidemic or a pandemic disease such as COVID-19). This does not include any quarantine that applies generally or broadly to some or all of a population, vessel or geographical area, or that applies based on where the person is travelling to, from or through.
• 3 Redundancy of you or a travelling companion that qualifies for payment under current redundancy legislation.
• 4 You or a travelling companion's previously agreed leave being cancelled where you or they are a member of the British Forces, police or government security staff.
• 5 You or a travelling companion being summoned for jury service or witness attendance in court.
• 6 The death, serious injury or illness of, a a close relative, or b the person with whom you intend to reside at the holiday or journey destination, or c a dependent business partner; of you or your travelling companion which necessitates the presence of the person concerned.

• 7 Hijack.
• 8 Adverse weather conditions making it impossible for you to travel to initial point of departure at commencement of outward journey.
• 9 Major damage or burglary at your home or place of business which at the request of an emergency service requires your presence.
• 10 You or a travelling companion being refused boarding of the public transport you are booked to travel, on the order of any government, public authority or carrier, due to you or a travelling companion displaying symptoms of a contagious disease (including an epidemic or pandemic disease, such as COVID-19). The insurer will pay either: 1 the cancellation prior to departure; or 2 the curtailment from the date you returned to your home country or the dates you were hospitalised as an in-patient or the date your quarantine period started; of your irrecoverable portion of costs; for travel, air tickets, accommodation, pre-booked excursions, tours, courses and/ or events up to the sum insured for any of the above reasons, which have not been used and you have paid or are contracted to pay. This includes winter sports equipment hire, ski school and lift passes for winter sports trips, when the appropriate premium has been paid and is shown on your booking invoice or validation certificate.

WHAT YOU ARE NOT COVERED FOR

Exclusions applicable to Section D The insurer shall not pay for any claim directly or indirectly caused by, arising or resulting from, or in connection with: Travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider, unless the reason is shown as being covered.

• 2 A pre-existing medical condition unless the insurer hos agreed to provide cover and you hove paid any additional premium required. There is no cancellation or curtailment cover for a pre-existing medical condition of persons not necessarily travelling but upon whom travel depends, such as a close relative unless you are able to agree to the 'Non travelling relatives' section of this policy.
• 3 The unused portions of your ticket, where repatriation has been arranged at the expense of the insurer.
• 4 You having to cut short your trip but not returning to your home country, in which case the insurer will only pay the equivalent costs which you would hove incurred had you returned to your home country.
• 5 You being unable to continue with your travel due to you failing to obtain the passport or visa you require for your trip.
• 6 A disinclination to travel or any other adverse financial situation (except redundancy that qualifies for payment under current redundancy legislation).
• 7 Claims associated with the cost of accommodation paid for using Avios Awards or any other loyalty point scheme.
• 8 Any claim for return travel where the insurer has paid extra transport costs for you to return to your home country.
• 9 Any costs for:
• a telephone calls;
• b booking, credit cord and non-Sterling transaction fees; or c administration costs.
• 10 A policy excess which will apply to this section, please refer to 'General exclusions'.

WHAT YOU ARE COVERED FOR

Delayed departure or arrival

• a If the departure of the aircraft, train or sea vessel in which you have arranged to travel is delayed for at least 8 hours from the departure time specified in the travel itinerary, or if the arrival of the aircraft, train or sea vessel at destination is at least 8 hours later than the time specified in the travel itinerary, due to strike or industrial action, disruption, adverse weather conditions, or mechanical breakdown of the aircraft, train or sea vessel. The insurer will pay £25 for each complete 8 hour period of delay commencing from the original booked departure time or arrival time specified in the travel itinerary up to £100. b If the departure of the aircraft, train or sea vessel in which you have arranged to travel is delayed for at least 8 hours from the departure time specified in the travel itinerary due to strike or industrial action, adverse weather conditions or mechanical breakdown of the aircraft, train or sea vessel, and as a direct result, you elect to cancel the whole travel itinerary prior to departure. The insurer will pay irrecoverable payments and charges made for the travel, accommodation, tours or excursions up to £2,000.

2. Hijack of aircraft

The insurer will pay compensation of £100 per complete day that you are in detention due to unlawful seizure or wrongful exercise of control of an aircraft or the crew thereof, in which you are travelling as a passenger, up to £3,000.

3. Missed departure

If you arrive at the point of international departure in your home country too late to commence the booked travel as the result of failure of scheduled public transport services in your home country due to inclement weather, strike or industrial action, disruption, or mechanical breakdown, or as a result of an accident to the motor vehicle in which you are travelling to the point of departure, the insurer will pay up to £300 for additional travel and accommodation only expenses necessarily incurred by you in order to reach the booked outward destination (no cover for your return journey).

4. Missed flight connection (Optional) - Up to £1,000

WHAT YOU ARE NOT COVERED FOR

Exclusions applicable to Section E The insurer shall not pay for any claim arising directly or indirectly caused by, arising or resulting from, or in connection with:

• 1 Strike or industrial action, disruption, war, invasion, riot, or civil commotion in existence or publicised at the time of effecting the Insurance.
• 2 The withdrawal from service (temporary or othervvise) of an aircraft or train or sea vessel on the recommendation of a port authority or the Civil Aviation Authority or of any similar body.
• 3 Any claim for Missed flight connection when the appropriate additional premium has not been paid.
• 4 Any claim for Missed flight connection when less than a minimum connection time of 2 hours between connecting flights at an international point of departure has been arranged (or longer if flight reservation systems require longer periods for connections).
• 5 A palicy excess which will apply to sub-section E4 - Missed flight connections, please refer to 'General exclusions'.
• 6 You may only claim for the same event under one sub-section under Section E and not under multiple sub-sections.

WHAT YOU ARE COVERED FOR

The insurer will pay for loss, theft or damage to:

1. Baggage - Up to £2,000

The amount payable will be the value at today's prices less the deduction for wear, tear and depreciation.

2. Personal money - Up to £500

Cash, bank or currency notes, including reasonable expenses incurred as a result of loss, theft or damage.

3. Tickets - Up to £1,000

Air or other tickets including reasonable expenses incurred as a result of loss, theft or damage.

4. Passport or visas - Up to £250

In respect of the cost of an emergency replacement or temporary passport or visa obtained whilst abroad including reasonable and receipted expenses incurred to obtain the same.

5. Delayed baggage - Up to £100

If baggage is temporarily lost for more than 8 hours by an airline, railway or shipping company on the outward journey, for the purchase of immediate necessities the insurer will pay you up to £100 supported by receipts, but this will be deducted from the final claim if the loss is permanent.

WHAT YOU ARE NOT COVERED FOR

Exclusions applicable to Sections F and H The insurer shall not pay for any claim directly or indirectly caused by, arising or resulting from, or in connection with:

• 1 Damage due to moth, vermin, wear and tear and gradual deterioration. 2 loss, theft or damage to contact or corneal lenses, dentures or other aids or appliances cycles, wind or kite/ surf boards or mobile telephones. Winter sports equipment is excluded unless the appropriate premium has been paid and is shown on the booking invoice or validation certificate (as applicable). 23 3 loss, theft or damage to property hired to you or confiscated by police, customs or other relevant authority. 4 loss, theft or damage not reported whilst travelling overseas to the police or other relevant authority and a written statement obtained in confirmation.
• 5 The breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle in which they are being carried.
• 6 Mechanical breakdown or derangement. 7 loss, theft or damage to business or professional goods, equipment or samples. 8 loss, theft or damage to money, or valuables left unattended (including in a vehicle or the custody of scheduled transport service providers including airlines), unless in a locked safe, a locked hotel room, locked apartment, or locked holiday residence. Valuables and money are not insured if left in 'checked in' baggage.
• 9 Shortages due to error or omission, depreciation in value.
• 10 A policy excess which will apply to this section, please refer to 'General exclusions'.

Provided that

You must comply with the following conditions to have the full protection of your policy. If you do not comply the insurer may at their option cancel the policy or refuse to deal with the claim or reduce the amount of any claim payment.

• 1 You shall at all times act as if un-insured and shall exercise reasonable care for the safety and supervision of your property and in the event of loss, theft or damage hereunder you shall take all reasonable steps to recover any lost property.
• 2 The maximum the insurer will pay for any insured article shall be limited to £250, the value of a pair or set of articles shall be limited to £250, and the value of disc collections, including DVDs, electronic games and music discs shall be limited to £200. You shall produce receipts or other evidence of value and ownership where possible and in any event in respect of any item valued in excess of £100. Where this is not done liability shall be limited to £100.

Provided that

(continued)

• 3 loss, theft or damage whilst in the custody or control of a carrier, authority, transport company, garage or hotel must be reported in writing to them and written acknowledgement obtained.
• 4 There is a maximum limit of £350 in total in respect of all valuables.
• 5 Payment for air tickets is limited to the original purchase price proportionately for each leg of the journey. Any loss, theft or damage of air tickets must be reported immediately to the issuing agent.

You can call our 24-hour legal helpline for advice on a travel related legal problem to do with your trip. Phone: UK +44 (0)20 8603 9804

Section specific definitions

Legal expenses: l Fees, expenses and other disbursements reasonably incurred (as determined by the insurer's legal counsel) by a legal representative in pursuing a claim or legal proceedings for damages and/or compensation against a third party who has caused your bodily injury, death or illness.

• 2 Fees, expenses and other disbursements reasonably incurred (as determined by the insurer's legal counsel) by a legal representative in appealing or resisting an appeal against the judgment of a court tribunal or arbitrator.
• 3 Costs that you are legally liable for following an award of costs by any court or tribunal or an out-of­ court settlement made in connection with any claim or legal proceedings. Legal representative A solicitor, firm of solicitors, lawyer, or any appropriately qualified person, firm or company, appointed by the insurer to act on your behalf.
• 6 Claims for loss, theft or damage to spectacles or sunglasses are limited to £150 per pair. No policy excess shall apply.
• 7 Your failure to comply with local authority advice when checking in baggage may result in a claim being reduced or declined.

WHAT YOU ARE COVERED FOR

Up to £50,000

If you suffer an incident that results in bodily injury, death or illness caused by a third party during the period of insurance, the insurer will indemnify you for legal expenses incurred in pursuit of a claim for damages or compensation against the third party up to £50,000 for any one journey.

WHAT YOU ARE NOT COVERED FOR

Exclusions applicable to Section G l A policy excess will apply to this section, please refer to 'General exclusions'.

• 2 The insurer will not pay for anything mentioned in the General exclusions section.
• 3 The insurer will not pay any liability arising from:
• a Any claim reported to the insurer more than 12 months after the beginning of the incident which led to the claim;
• b Legal expenses incurred in the defence against any civil claim or legal proceedings made or brought against you;
• c Legal expenses incurred before receiving the insurer's prior written approval, unless such costs would hove been incurred subsequently to the insurer's approval;
• d Legal expenses incurred in connection with any criminal or wilful act committed by you;
• e Legal expenses incurred for any claim or legal proceedings brought against: i A travel agent, tour operator, carrier, insurer or their agent; or ii The insurer, you or any company or person involved in arranging this policy; Fines, compensation or other penalties imposed by o court or other authority;
• g Legal expenses incurred after you have not accepted an offer from a third party to settle a claim or legal proceeding where the offer is considered by all parties to be reasonable or you not accepting on offer from the insurer to settle a claim;
• h Legal expenses which the insurer considers to be unreasonable or excessive or unreasonably incurred (as determined by the insurer's legal counsel); Actions between individuals named on the booking invoice or validation certificate; Legal expenses incurred in pursuing any claim for compensation against the manufacturer, distributor or supplier of any drug, medication or medicine.

Provided that

• 1 Written consent must be obtained from the insurer prior to incurring legal expenses. This consent will be given if you can satisfy the insurer that:
• a there ore reasonable (as determined by the insurer's legal counsel) grounds for pursuing or defending the claim or legal proceedings; and b it is reasonable (os determined by the insurer's legal counsel) for legal expenses to be provided in a particular case. The decision to grant consent will take into account the opinion of your legal representative as well as that of the insurer's own advisers. The insurer may request, at your own expense, an opinion of counsel as to the merits of the claim or legal proceedings. If the claim is admitted, your costs in obtaining this opinion will be covered by this policy.
• 2 All claims or legal proceedings including any appeal against judgement resulting from the same original cause, event, or circumstance, will be regarded as one claim.
• 3 If you ore successful in any action, any legal expenses provided by the insurer will be reimbursed to the insurer.
• 4 The insurer may ot their discretion assume control at any time of any claim or legal proceedings in your name for damages and or compensation from a third party.
• 5 The insurer may at their discretion offer to settle o claim with you instead of initiating or continuing any claim or legal proceedings for damages and or compensation from o third party, and any such settlement will be full and final in respect to the claim.
• 6 The insurer may ot their discretion offer to settle a counter-claim against you instead of continuing any claim or legal proceedings for damages and or compensation from o third party.

WHAT YOU ARE COVERED FOR

Winter sports equipment - Up to £350

The insurer will pay up to the sum insured in respect of:

• a Loss, theft or breakage of winter sports equipment owned by you. b Loss, theft or breakage of winter sports equipment hired to and in your charge.

2. Winter sports equipment hire - Up to £200

The insurer will pay up to the sum insured in respect of the cost of necesso ry hi re of winter sports equipment following:- a Loss, theft or breakage of your winter sports equipment. b The misdirection or delay in transit of your winter sports equipment, subject to you being deprived of their use for not less than l 2 hours.

3. Ski pock - Up to £300

The insurer will pay up to the sum insured in respect of the proportionate value of any ski pass, hire or tuition lee necessarily unused due to the following:

• a Your accident or sickness (including being diagnosed with on epidemic or pandemic disease such as COVID-19);
• b Loss, theft or damage of ski pass.

4. Piste closure - Up to £200

The insurer will pay up to £20 for each 24 hour period that it is not possible to ski, up to the maximum sum insured, for additional transport costs incurred to reach on alternative resort caused by a lack of snow or avalanche at on lnsured's pre­ booked resort following the closure of skiing facilities.

5. Avalanche closure - Up to £150

The insurer will pay up to the sum insured in respect of additional travel and accommodation expenses necessarily incurred in the event that the outward or return journey by public transport is delayed beyond the scheduled arrival time as a direct result of avalanche. Subject to a delay of not less than 12 hours having occurred.

WHAT YOU ARE NOT COVERED FOR

Exclusions applicable to Section H The insurer shall not be liable for any claim directly or indirectly caused by, arising or resulting from, or in connection with:

• 1 Occurrences detailed above that do not occur during the period of insurance.
• 2 You participating in ski-racing, ski-jumping, ice hockey, or the use of bob sleighs or skeletons.
• 3 Winter sports equipment hire, Ski pock, Piste closure or Avalanche benefits above not supported by documentary evidence.
• 4 The loss, theft or damage of winter sports equipment over five years old.
• 5 Loss, theft or damage to winter sports equipment carried on a vehicle roof rock.
• 6 Loss of or damage to winter sports equipment whilst in use.

United Kingdom (UK) only Whilst insurance is available for holidays in the UK (England, Scotland, Wales and Northern Ireland), Section A - Emergency medical expenses shall not apply. Europe Europe means the continent of Europe west of the Ural Mountains, and includes the Isle of Mon, the Channel Islands, Iceland, Jordon, Madeira, Republic of Ireland, the Conary Islands, Azores and Mediterranean Islands, as well as the countries bordering the Mediterranean.

When the Annual multi-trip premium hos been paid and this is shown on the booking invoice or validation certificate (as applicable) the insurer will cover all trips mode by you during the period of insurance: a To destinations outside of your home country, but within the Geographical area you hove paid for and: b Within your home country if such a trip includes at least two nights pre-booked accommodation.

Subject to the following: 1 Worldwide policies - the maximum duration of any one trip shall not exceed 70 days or 31 days if aged 66 tor more at the dote of payment of insurance premium. Europe policies - the maximum duration of any one trip shall not exceed 31 days, irrespective of age. Any trip which in known to be longer than the maximum duration of any one trip as stated is not insured for any port of such trip. 7 Piste closure outside the months that constitute the local regular ski season.

8 A policy excess which will apply to this section, please refer to 'General exclusions'. Note Winter sports activities using a recognised piste ore only insured if the appropriate premium hos been paid and is shown on the booking invoice or validation certificate (as applicable). Random 'off piste' winter sports activities will only be insured if, in addition to the requirement noted above, they ore with a qualified instructor or in a group of not less than three persons in possession of working communications or portable telephones.

There is no cover for winter sports activities against local authority advice. Worldwide excl North America & Mexico North America means the USA and Canada. a For any period of cover purchased Area 3 con include a single day/night stop-over anywhere in the world for both outward and return travel. b If the period of cover purchased is two months or more Area 3 con be extended to include a maximum of 6 days/nights anywhere in the world.

Worldwide incl North America & Mexico 2 Each trip shall be deemed to be a separate insurance subject to the term, conditions, limitations and exclusions contained herein. 3 Your children con be included without charge, including independent travel, provided they ore l 8 years or under, or 21 years or under and in full time education at the dote of payment of the insurance premium, and you hove requested that their name be included on the booking invoice or validation certificate (as applicable).

4 Cover for Section H - Winter sports extension is available for up to a total of 32 days in all during the period of this insurance, but only when the appropriate additional premium hos been paid and this is shown on the booking invoice or validation certificate (as appropriate). 5 Annual multi-trip policies ore not available to people aged 70 years or more at the dote of payment of insurance premium, unless we agree in writing.

The following documentation (ii applicable) will be required by the Claims Handlers, in order that a claim may be processed. Originals will be required, as settlement cannot be made with photocopied documents. Further documentation may be required depending on the individual circumstances of your claim. Please note the policy does not cover the cost of obtaining duplicate receipt or medical certificates. For all sections of cover you will be required to submit:

• Your booking invoice or validation certificate confirming proof of payment of the insurance premium.
• Your travel trip itinerary confirming dates of travel.
• Your travel booking confirmation receipt(s) showing the date of original booking and amount paid.
• Travel/air tickets.

For Cancellation or curtailment:

• Your cancellation invoice.
• Completed medical certificate if cancellation for medical reasons (which can be found on the claim form).
• Copy of death certificate.
• Redundancy letter.
• Evidence from treating doctor confirming curtailment was medically necessary (curtailment only). For Personal effects:
• Receipts or other evidence to support ownership and value for the items claimed.
• Baggage check tags.
• A written report from the person / company to whom the loss was reported whilst travelling overseas (e.g. police report).
• Proof of date and time baggage was returned to you (baggage delay claims only).
• Evidence to support damage (e.g. repairers report of total loss or damage). For Emergency medical expenses:
• Original receipts.
• Medical evidence to support nature of illness or injury.
• Evidence of hospital admission and discharge.
• Additional travel tickets.

For Travel delay (Delayed departure/arrival, Missed departure, Missed Flight connection):

• Replacement tickets and invoices /receipts.
• A letter from the airline (or similar) confirming the scheduled and actual time of departure including the official cause of the delay.

24-hr Emergency medical assistance: Call: UK +44 (0)20 8603 9485 (for medical emergency or curtailment requests) Email: medical@allianz-assistance.co.uk Customer services: Call: UK +44 (0)20 7938 1734 Medical screening helpline Call: UK +44 (0) 1702 427 237 (to declare a condition or change in your circumstances) Visit: www.palicyscreening.com/cidirect Claims (sections A-F & H): Call: UK +44 (0) 1702 553 443 Visit: www.submitaclaim.co.uk/ ci Email: info@csal.co.uk 24-hr Legal helpline (section G): Call: UK +44 (0)20 8603 9804 This document is available in large print, audio or Braille.

Please contact us if you need one of these alternative versions. N N N ~ r--.._ N r--.._ iri ""' 30