THE CONTENT OF THE POLICY WORDING FOR POLICIES ISSUED IN 2003 - IS AS SET OUT BELOW
----------------
INDEX of content of pages/paragraphs/headings:
 

Page  1  - Front cover
Page  2 - WHAT TO DO IN AN EMERGENCY, European Union Countries-E111 Form,
                   How to make a claim. Complaints Procedure
Page  3  - Index in Booklet
Page  4  - Important features, Definitions, Geographical Limits.
Page  5  - Important HEALTH CONDITIONS, Medical Referrals, Screening Line,
                    & Material Facts.
Page  6  - Summary of Cover
Page  7  - The Cover, Period of Insurance. Loss of Deposit or Cancellation
Page  8  - Curtailment
Page  9  - Medical and Other Expenses, Additional Hospital Benefit
Page 10 - Personal Accident
Page 11 - Personal Property, Money & Valuables
Page 12 - Continuation of subject from Page 11
Page 13 - Loss of Passport Expenses, Personal Liability. Missed Departure
Page 14 - Delayed Departure. Legal Expenses
Page 15 - Additional Winter Sports Cover
Page 16 - Hire of Skis. Unused Ski Pack. Piste Closure
Page 17 - Scheduled Airline Failure
Page 18 - Special Conditions. General Conditions, General Exclusions.
Page 19 - Continuation of subject from page 18.
Page 20 - Back Cover
                           ___________________________________

      EUCLIDIAN TRAVEL INSURANCE 2003
                         Policy Information

PAGE 1 Front Cover:
EUCLIDIAN DIRECT LIMITED (TRAVEL DEPARTMENT)
CREST HOUSE, STATION ROAD, EGHAM, SURREY, TW20 9LG.
Tel 01784 484601. Fax 01784 484 610.

PAGE 2
*** WHAT TO DO IN AN EMERGENCY ***

INTERNATIONAL MEDICAL RESCUE 24 EMERGENCY SERVICE is available so that any INSURED PERSON may request help in the event of an emergency relating to medical problems (recoverable under Section 2(a).
 YOU must notify INTERNATIONAL MEDICAL RESCUE (agents acting on behalf of Euclidian) immediately of any serious illness or injury involving an INSURED PERSON whilst abroad which necessitates admittance to a hospital as in
in-patient, or out-patient if costs are likely to exceed £500, or before any arrangements are made for repatriation or curtailment.
(See conditions applicable to Section 2 on page 3).
The Assistance Service is there to help YOU 24 hours a day 365 days a year.
Do not try to find YOUR own solution -
They will solve YOUR problem in the most suitable and practical way.
INTERNATIONAL MEDICAL RESCUE
Tel UK + 44 (0) 20 8669 9292 or Fax + 44 (0) 20 8669 3442
Quoting TPU/EUC 220187 if you have a single trip policy, or TPU/EUC 220208 if you have a multi-trip policy.
 

Be prepared to give; (a) insurance certificate number, (b) name and address of agent from whom it was purchased, (c) dates of outward and return travel (d) details of problem including names and address of patient and nature of illness/accident, (e) names and telephone numbers of hospital, attending doctor and usual GP.
The Assistance Service is able to (a) liaise with doctors and hospitals (b) guarantee medical charges (c) arrange emergency repatriation with medical escort if necessary (d) give guidance and help to other members of the party.
This Emergency Service must not be used for casual enquiries.

            MEDICAL TREATMENT IN AUSTRALIA AND NEW ZEALAND
Should you require medical treatment in Australia or New Zealand please note that reciprocal arrangements apply as far as UK Nationals are concerned. Please ensure that YOU have YOUR passport with YOU and if treatment is required this should be produced. Inpatient and outpatient at a public hospital is then available either free of charge (Australia) or at a minimal cost (New Zealand).
Should YOU be admitted to hospital then immediate contact must be made with INTERNATIONAL MEDICAL RESCUE and their authority obtained in respect of any any treatment not available under reciprocal arrangements before such treatment if provided.

RECIPROCAL HEALTH AGREEMENT
Travellers to European Union countries are strongly advised to obtain form E111 from their local Post Office . This will entitle them to benefit from the reciprocal health arrangements which exist between European Union countries. In the event of liability being accepted for a medical expense which has been reduced by the use of an E111 form or Private Health Insurance, the deduction of £50 (£60) Essential) under Section 2 (Medical  and Other Expenses) will not be applied. This does not apply where special excess terms have been imposed

HOW TO MAKE A CLAIM
In the event of any occurrence or loss which may give rise to a claim YOU must give written notice to EUCLIDIAN as  soon as practicable but in any event within 30 days. A claim form should be requested from:
TRAVEL AND PERSONAL UNDERWRITERS LTD., 65-68 LEADENHALL STREET, LONDON, EC3A 2AD. TELEPHONE: 020 7977 7905
(between 9.30am and 5pm Mon-Fr).

COMPLAINTS PROCEDURE
EUCLIDIAN will do all they can to ensure that you are satisfied with the policy and their service. If you are dissatisfied in any way please write in the first instance to The Chief Executive , Travel and Personal Underwriters Ltd.,
65-68 Leadenhall Street, London, EC3A 2AD.
If after taking this action YOU are still dissatisfied YOU may write to either:
(a) the Consumer Information Department of the Association of British Insurers,
51 Gresham Street, London EC2V 7HQ.
(b) The Financial Ombudsman Service, South Quay Plaza,
183 Marsh Wall, London E14 9SR.
--------------
The Policy is Underwritten by Travel and Personal Underwriters Limited, Underwriting Agents on behalf of Royal and Sun Alliance Group, Gouda International and ACE Insurance SA-NV.
-------------
EUCLIDIAN INSURANCE is recommended by
ABTA - THE ASSOCIATION OF BRITISH TRAVEL AGENTS.
End of information given on Page 2 of the Policy booklet

*** *** ***

PAGE 3
Dear Traveller,
This Euclidian Travel Insurance policy has been designed to provide you with the very best protection for your trip. You should make yourself aware of the cover and what you will need to do to ensure that a claim is paid.
There is of course no substitute for reading the policy wording and we recommend that you do this. You will also find that the IMPORTANT FEATURES and DEFINITIONS on page 4 will help you. Please feel free to ask any questions you wish about the insurance if you feel that the insurance may not be suitable for you, then simply ask for a refund on your premium. Provided you do this within 14 days of purchase and before you travel we will be happy to give you your money back.
We wish you a very safe and happy trip.
Yours sincerely,
STEPHEN LAWRENCE
Manager.
MONEY-BACK GUARANTEE
Please read the IMPORTANT FEATURES above and the whole of this document carefully. If the insurance does not meet your requirements please return is to the Issuing Agent within 14 days of issue but before departure. Provided no claim ahs been made your premium will be refunded in full.

INDEX - Pages:
2 -      What to do in an Emergency, Reciprocal Health Agreement
           How to Make  a Claim, Complaints Procedure.
4 -      Important Features.
5 -      Important Health Conditions/Medical Referrals.
6 -      Summary of Cover
7 -      Main Policy Cover
7/15  Main Policy Cover
15/16 Additional Winter Sports Cover (options)
17/18 Special/General Conditions and Exclusions.

PAGE 4
INSURANCE POLICY: this contains full details of the cover provided plus the conditions and exclusions which apply to it.
YOU MUST READ THE INSURANCE POLICY CAREFULLY
CONDITIONS AND EXCLUSIONS: there are conditions and exclusions which apply to individual sections and general conditions and exclusions which apply to the whole policy.
DATE CHANGE EXCLUSIONS: Changes in dates and other systems containing computer chips, which depend on the date-related information in order to work properly. Other than in respect of Sections 2 (Medical Expenses) and 3 (Personal Accident), your policy excludes anything directly or indirectly caused by the failure of any computer hardware or software or other electrical equipment to recognise or process any date as its true calendar date.
MEDICAL EXPENSES: the policy does not provide private health treatment unless specifically approved by the emergency services.
HEALTH: the certificate contains conditions relating to the health of the people travelling and others upon whose well being the trip may depend. It may be that you are required to disclose the condition of such people prior to cover being issued and you must be aware of the failure to disclose such information will prejudice your position in the event of a claim.
PROPERTY CLAIMS: these are settled on an indemnity basis - not on a 'new for old' or replacement cost basis, unless otherwise stated in the policy.
LIMITS: most sections of the policy have limits on the amount the insurer will pay under that section. Some sections also include inner limits e.g. for one item, or for valuables (see definition below) in total.
EXCESSES: claims under most sections of the policy will be subject to an excess. Where there is an excess, you will be responsible for paying the first part of a claim.
REASONABLE CARE: you are required to take all reasonable care to protect yourself and your property and to act as though you are not insured.
COMPLAINTS: the insurance policy includes a complaints procedure which tells you what steps you can take if you wish to make a complaint.
'COOLING OFF' PERIOD: the policy contains an inspection period which allows you to return it and obtain a full refund if you have justifiable reason to be dissatisfied with the cover provided.
HAZARDOUS HOLIDAY ACTIVITIES: the policy may not cover for such activities you may need to arrange a specialist policy.
DEFINITIONS
THE UNDERWRITING AGENTS/WE/USE/OUR -
Travel and Personal Underwriters Ltd.
INSURED PERSON/YOU/YOUR/YOURSELF - Each person named in the Schedule.
HOLIDAY/JOURNEY/TRIP.
SINGLE TRIP POLICY - Any Holiday/Journey/ business or pleasure trip within the geographical  limits (stated below) for which the appropriate premium has been paid.
ANNUAL MULTI-TRIP POLICY - (1) A specific Holiday/Journey or pleasure trip within the geographical limits (as stated below) for which the appropriate premium has been paid, and booked to commence and to end with the 12 months validity period shown on the validation certificate.  (2) In relation to Section 1a, (Loss of Deposit) and Cancellation) cover only, a trip is a specific journey undertaken on or after the date of issue of this policy and cover will apply up until the date of expiry of the Period of Insurance shown on the validation certificate. Direct travelling time to and from the booked destination is included up to 24 hours in each direction. The maximum length of any one trip shall not exceed 60 consecutive days.
HOME - YOUR normal place of residence in the United Kingdom, Channels Islands or Isle of Man.
MEDICAL PRACTITIONER - A registered practising member of the medical profession who is not related to YOU or any person with whom YOU are travelling.
IMR MEDICAL EMERGENCY SERVICE - International Medical Rescue.
CLOSE RELATIVE - The husband, wife, parent, parent-in-law, child, son-in-law, daughter-in-law, grandchild, brother, sister, fiance(e) or partner.
VALUABLES - Jewellery, furs, watches, articles made of or containing precious metals or stones, mobile telephones, hearing aids, sports or leisure equipment, musical instruments, binoculars, electronic games, audio, video, photographic or computer equipment including any ancillary equipment or accessories all owned by YOU.
GEOGRAPHICAL LIMITS
UNITED KINGDOM:  United Kingdom including the Channel Islands and the Isle of Man.
EUROPE: The continent of Europe, including countries west of the Ural Mountains: the Republic of Ireland; the Azores, Canary Islands, Iceland, Madeira, and countries bordering the Mediterranean Sea (except Egypt, Israel, Lebanon, Libya and Syria)
WORLDWIDE: Worldwide excluding USA, Canada and the Caribbean.
USA/CANADA/CARIBBEAN: Worldwide including USA, Canada and the Caribbean.
AUSTRALIA/NEW ZEALAND: Australia and New Zealand.

PAGE 5
IMPORTANT HEALTH CONDITIONS
Whilst this Insurance is not subject to a health warranty, Underwriting Agents shall not be liable for claims WHERE AT THE TIME OF TAKING OUT THIS INSURANCE:
A - The INSURED PERSON is aware of any medical conditions or set of circumstances which could reasonably be expected to give rise to a claim.
B - Any person (including non-travellers on whom the trip depends, e.g. close relative)
1 - has during the twelve months prior to taking out this insurance suffered from any chronic and/or recurring illness of a serious nature which has necessitated consultation or treatment or has been referred for further investigations unless declared to and accepted by UNDERWRITING AGENTS.
2 - Is suffering, or has suffered, from any diagnosed psychiatric disorder, anxiety or depression; or
3 - is receiving, or on a waiting list for, treatment ijn a hospital or nursing home, or:
4 - is expected to give birth before, or within eight weeks of the date of arrival home, or
5 - is travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment abroad, or:
6 - has been given a terminal prognosis.
N.B.: The UNDERWRITING AGENTS must be notified of any changes in circumstances of Yourself or any close relative occurring after the policy has been issued and prior to departure.
MEDICAL SCREENING QUESTIONS (not applicable for UK trips)
Please answer the following questions and call the Screening Line if directed.

QUESTION 1 - Within the last YEAR before taking out this insurance or when booking any trip (if later) have you suffered from any chronic and/or recurring illness of a serious nature which has necessitated consultation or treatment or has been referred for further investigations?
IF YES - PHONE THE SCREENING LINE ON 0800 281 488 to confirm acceptability cover ** - Please quote EUCLIDIAN INSURANCE.
-----
QUESTION 2- Have you ever been treated for a breathing or heart related condition (including angina) and are still taking medication or receiving follow-up consultation?
IF YES - PHONE THE SCREENING LINE ON 0800 281 488 to confirm acceptability cover ** - Please quote EUCLIDIAN INSURANCE.
-----
QUESTION 3 - Have you ever been diagnosed with cancer?
IF YES - PHONE THE SCREENING LINE ON 0800 281 488 to confirm acceptability cover ** - Please quote EUCLIDIAN INSURANCE.
----
** In most cases, cover is provided on normal terms. If special terms are necessary because of a medical condition, we will explain them to you and confirm in writing.
Do not phone the Medical Screening Line if your trip is within the UK.
NOTE: you do NOT to call the Medical Screening Line if you have only ONE of the following conditions: high blood pressure, benign prostate or thyroid problem, a hernia, a fracture or dislocation, an allergy, a diverticular condition, a minor eye or hearing problem; UNLESS you are awaiting hospital treatment or referral.
----
MEDICAL REFERRALS AND MATERIAL FACTS
It is important that any material fact such as pre-existing medical conditions are disclosed to the UNDERWRITING AGENTS. You may telephone the medical HELPLINE on 0800 281 488 (See 'Important Health Conditions' above). You will be advised whether any special terms will be required. Failure to do so could well prejudice any subsequent claim which may be made.
A material fact is a fact likely to influence US in the acceptance or assessment of the insurance (for example YOUR state of health or that of a Close Relative). If YOU are in any doubt as to whether a fact is 'material', then for YOUR own protection is should be disclosed.

PAGE 6
SUMMARY OF COVER
The validation attached to this policy booklet shows which of the optional cover levels has been chosen for your trip. This has been selected by the issuing agent because if represents the levels of cover you need for your trip(s) you plan. If you would like to change this you can contact the issuing agent of Euclidian Insurance Services. YOU may be required to pay an additional premium and, if your request is made more than 14 days after issue, an administration fee.
The following table shows the maximum amounts that will be paid per person under each section. You should refer to the validation certificate (issued by this office) to identify the cover level that applies to your insurance. If you have a multi-trip policy this will also be shown on the validation certificate. Where your policy is valid for more than one trip then the limits of cover apply to each individual trip.

This insurance is valid when issued on or before 31st December 2003 for trips beginning on or before 31st December 2004 and attached to a fully completed validation showing payment of the insurance premium

PAGE 7
THE COVER
This policy is a CONTRACT OF INSURANCE. It contains details of the cover, conditions and exclusions relating to each INSURED PERSON and is the basis on which all claims will be settled. In consideration of the payment of the required premium. Travel and Personal Underwriters Ltd (THE UNDERWRITING AGENTS)   hereby agree to pay of indemnify the INSURED PERSON or his/her personal representative as follows: subject to the terms conditions and exclusions of this policy, on the schedule and in the application form.
PERIOD OF INSURANCE
SINGLE TRIP POLICY:
Under Section 1a (Loss of Deposit and Cancellation) insurance is effective from the date of issue of the policy and terminates on commencement of the planned HOLIDAY/JOURNEY.
ANNUAL MULTI-TRIP POLICY
Under section 1a (Loss of Deposit and Cancellation) Insurance is effective from the date of issue of the policy and terminates on commencement of the planned HOLIDAY/JOURNEY is booked or from the date of issue (whichever is the later) and terminates on commencement  of the planned HOLIDAY/JOURNEY (or the expiry date of this policy). The maximum period of any one trip is 60 days.
ALL POLICIES
In respect of Curtailment and all other Sections insurance commences when YOU leave YOUR place of residence or business (whichever is the later) to commence the JOURNEY until the time of return to YOUR place of residence or business (whichever is the earlier) on completion of the JOURNEY. In any event not to commence more than 24 hours prior to booked departure time or cease more than 24 hours after booked return to the UK.
Cover is only available for the whole duration of the booked trip. Cover cannot be effected once a journey has commenced.

If due to unforeseen reasons beyond YOUR control the HOLIDAY/JOURNEY cannot be completed within the PERIOD OF INSURANCE (as stated in the attached schedule), cover will be extended for up to a maximum of 30 days at no extra cost.
Application must be made to US for any other extension. Such extension will become effective only upon acceptance by US and the receipt of the appropriate additional premium.
ONE WAY TRIPS - This Insurance is primarily designed for one round trip commencing and finishing at YOUR normal place of residence in the UK> Insurance may be provided for one way trips subject to a maximum Period of Insurance of 17 days. The Insurance provided is restricted to the cover and conditions that would have applied had YOU intended to return to the UK at the end of the Period of the TRIP.
SECTION 1 (a) LOSS OF DEPOSIT OR CANCELLATION.
(The maximum amount payable is the amount shown against this section in the table on page 6 for the cover level selected on the validation)
We will reimburse YOU  in respect of irrecoverable deposits or charges paid in advance or contracted to be paid for travel and accommodation not used by YOU, as a direct result of the HOLIDAY/JOURNEY being NECESSARILY AND UNAVOIDABLY cancelled owing to:
PAGE 8
(1)YOUR death, illness or injury; or
(2) the death, serious injury or serious illness of (i) any CLOSE RELATIVE of YOURS; or (ii) a person with whom YOU had planned to travel; or (iii) any person with WHOM YOU had arranged temporarily to reside with during YOUR trip: or
(3) YOU or any person with whom YOU had planned to travel being subject to jury service, attendance under subpoena as a witness at a Court of Law (other than in the line of duty), compulsory quarantine, or being made redundant (provided that YOU or that person is under 65 and had been employed on a continuous full time basis with the same employer for at least two years); or
(4) Fire occurring at YOUR Home, when YOU are requested to remain by the Fire/Police Authorities ALL occurring after the insurance has been effected and before the commencement of the HOLIDAY/JOURNEY.
PLEASE NOTE: This insurance will cease once YOU have made a claim for Cancellation.
CONDITION
Where cancellation is due to injury or illness, it is a condition of this Policy that YOU must obtain a certificate from the treating MEDICAL PRACTITIONER prior to the intended date of travel confirming the need to cancel.
SEE EXCLUSIONS to Sections 1(a) and (b) below.
SECTION 1(b) CURTAILMENT
(The maximum amount payable is the amount shown against this section in the table on page 6 for the cover level selected on the validation). We will reimburse YOUR prepaid accommodation expenses for the HOLIDAY/JOURNEY and return HOME as a result of:
(1) YOUR death, serious injury or serious illness (occurring during the period of the HOLIDAY/JOURNEY) or that of any person with whom YOU are travelling or any CLOSE RELATIVE or BUSINESS ASSOCIATE of YOURS resident in the United Kingdom; or
(2) fire, theft, storm or flood occurring at YOUR HOME when YOU are requested to return by the Fire/Police Authorities.
PLEASE NOTE: that Curtailment claims will be calculated from the day YOU return to the United Kingdom or YOUR usual country of residence of YOU are hospitalised as an inpatient. YOUR claim will be based solely on the number of complete nights' accommodation lost. In respect of travel expenses, we will pay for any reasonable additional costs but not for the loss of YOUR pre-booked arrangements.
CONDITIONS
1. Where curtailment is due to YOUR serious injury or serious illness, a certificate must be obtained from the treating MEDICAL PRACTITIONER abroad confirming the necessity to return to YOUR HOME, or appropriate medical facility.
2. The prior approval of IMR must be obtained to confirm the necessity to return HOME, for any reasons or by any method other than as originally planned. Failure to do so may effect the assessment of YOUR claim.
PAGE 9
SECTION 1(a) and (b) EXCLUDE
We will not pay for claims arising
1. Where YOU are receiving or on a waiting list for or have knowledge of the need for an in-patient treatment at a hospital of nursing home.
2. Where YOU have received a terminal prognosis.
3. From any psychiatric disorder, anxiety state and/or depression suffered by YOU and diagnosed prior to the date of validation of this Policy.
4. Where YOU are expected to give birth before or within 8 weeks of your planned date of return to the UK.
5. If   YOU are travelling against the advice of a MEDICAL PRACTITIONER or for the purpose of obtaining medical treatment abroad.
6. From the cost of returning to the original destination to complete the HOLIDAY/JOURNEY originally planned  and increased expenses related to further accommodation there.
7. From ongoing medical conditions unless declared to and accepted by US.
8. From any costs in respect of visas obtained in connection with the TRIP.
9. Due to Disinclination to travel.
10. Excess. The first £50 (£60) essential) of each and every claim per INSURED PERSON is excluded (£15 for Loss of Deposit claims)

SECTION 2(a) - MEDICAL AND OTHER EXPENSES
(The maximum amount payable is the amount shown against this section in the table on page 6 for cover level selected on the validation)
WE will reimburse YOU in respect of the:
1. reasonable emergency medical, surgical and hospital treatment incurred as a result of YOUR injury or unforeseen illness occurring during the period of the HOLIDAY/JOURNEY. At the sole discretion of IMR, who reserve the right to make the final decision as to whether or not it is medically ne4cessary, this also includes the cost of repatriation to the UK, by whatever means deemed medically necessary. Emergency dental treatment is covered up to £250.00 for the immediate relief of pain only excluding the fitting of crowns and additional cosmetic treatment.
2. reasonable additional accommodation (room only) and travel costs (if YOU cannot use the return portion of your ticket) necessarily and unavoidable incurred by
(i) YOU, where it is necessary for YOU to stay beyond the intended return date due to YOUR illness of injury.
(ii) a relative or friend required on medical advice to travel to, remain with or escort YOU as a result of YOUR death, serious injury or serious illness.
3. reasonable charges for burial or cremation in the event of YOUR death outside the United Kingdom in the locality where death occurs and/or the cost of transport of body or ashes to the United Kingdom for an amount not exceeding £5,000
4. cost of transporting YOUR remains to the normal place of residence in the United Kingdom in the event of death in the United Kingdom, for an amount not exceeding £1,000.
WE reserve the right to repatriate YOU to the United Kingdom when in the opinion of the MEDICAL PRACTITIONER in attendance and IMR YOU ARE FIT TO TRAVEL.
NOTE: Repatriation expenses will involve the use of identical class of travel to that utilised on the outward journey unless agreed by US or IMR that the ticket can be upgraded,
See Condition and Exclusions to Sections 2(a) and 2(b) below.
SECTION 2(b) - ADDITIONAL HOSPITAL BENEFIT
(The maximum amount payable is the amount shown against this section in the table on page 6 for the cover level selected on the validation)
If YOU are admitted to a hospital outside the as an in-patient owing to accidental bodily injury or illness sustained outside the United Kingdom, WE will pay a benefit of £15 for each complete 24 hours YOU are in hospital subject to a maximum of £500 for each INSURED PERSON.
Condition applicable to 2(a) and 2(b)
IT IS A CONDITION OF THIS INSURANCE THAT IMR MUST BE NOTIFIED IMMEDIATELY OF ANY ILLNESS OF INJURY WHICH NECESSITATES ADMITTANCE TO HOSPITAL ABROAD AS IN IN-PATIENT, OR OUT-PATIENT IF COSTS ARE LIKELY TO EXCEED £500, OR BEFORE ANY ARRANGEMENTS ARE MADE FOR REPATRIATION. IMR MUST ALSO BE NOTIFIED IN YOUR RETURN IS DELAYED DUE TO MEDICAL REASONS, FAILURE TO DO SO WILL PREJUDICE YOUR CLAIM (see page 2(a) and 2(b) Excludes
WE will not pay for claims where:

PAGE 10
1. treatment or aid is obtained in the United Kingdom.
2. surgical or medical treatment which in the opinion of the treating MEDICAL PRACTITIONER can be reasonably delayed until your return to the United Kingdom.
3. there is an additional cost of single or private room accommodation at a hospital or nursing home, except where the treating MEDICAL PRACTITIONER considers it necessary for YOU to occupy such accommodation.
4. YOU are receiving or on a a waiting list for or have knowledge of the need for in-patient treatment at a hospital or nursing home.
5. YOU have prior to departure received a terminal prognosis.
6. there is any anxiety state and/or depression suffered by YOU and diagnosed prior to the date of the validation of this Policy.
7. YOU are expected to give birth before or within 8 weeks of the return date shown on the Schedule.
8.YOU are travelling against the advice of a MEDICAL PRACTITIONER or for the purpose of obtaining medical treatment.
9. YOU are suffering from any ongoing medical conditions unless declared to and accepted by US.
10. costs and expenses incurred more than 12 months after the return date shown on the Schedule.
11. We shall not be liable for
(i) any expenses of fees for in-patient treatment or repatriation which have not been notified to and authorised by US or IMR.
(ii) any costs in respect of telephone calls other than the first telephone call to IMR notifying them of the problem.
(iii) the cost of any elective treatment of surgery including exploratory tests, which are not directly related to the illness of injury which necessitated YOUR admittance to hospital.
(iv) any expenses incurred as a result of a tropical disease where the recommended inoculations have not been undertaken.
12 Excess: The first £50 (£60 if Essential cover is selected) of each and every claim per INSURED PERSON is excluded under section 2 (a).

SECTION 3 - PERSONAL ACCIDENT
If YOU sustain accidental bodily injury caused by violent means and provided such injury solely and independently of any other cause results, within twelve calendar months of the date of the accident, in death of disablement as defined below, WE will Pay one of the following benefits:
(i) Death - £10,000
(ii) Loss of one or more limbs and/or sight in one or both eyes - Amount shown in Summary of Cover on page 6.
(iii) Permanent Total Disablement - Amount shown in Summary of Cover on page 6
If YOU are:
(a) under 16 years of age Benefit (i) above is reduced to £1,000; or
(b) aged 70 years or over no cover operates in respect of Benefit (ii) and (iii).
In no event shall OUR liability in respect of the INSURED PERSON exceed the amount shown in Summary of Cover on page 6
DEFINITIONS
Loss of limb means permanent loss by physical severance at or above the wrist or ankle.
Loss of sight means complete and irrecoverable loss of sight.
Permanent total disablement means total disablement from engaging in or attending to any occupation for at least twelve months from the date of injury and at the end of that time being beyond hope of any improvement.
SECTION 3 EXCLUDES
WE will not pay
1. for claims resulting from motorcycling
2. for claims arising out of manual labour in connection with YOUR trade, business or profession
3. for claims arising from YOUR:
(a) suicide or attempted suicide
(b) being affected
(i) (temporarily or otherwise) by alcohol or drug(s)
(ii) by any sexually transmitted disease or condition
(c) wilfully self inflicted injury or wilful exposure to danger, except in an attempt to save human life.

PAGE 11
SECTION 4 - PERSONAL PROPERTY, MONEY AND VALUABLES
(The maximum amount is the amount shown against this section in the table on page 6 for the cover level selected on the validation)
1. WE will reimburse YOU in respect of accidental loss of theft of or damage to:
(i) Personal Luggage - which means suitcases, trunks or like receptacles and clothing and personal effects worn or carried on the person all owned by (not hired by, loaned or entrusted to) YOU but excluding Personal Money and Valuables.
(ii) Personal Money - which means cash, bank or currency notes, cheques, travellers cheques, postal or money orders, travel tickets, passports, petrol coupons or credit vouchers.
(iii) VALUABLES (as defined on page 4)
In the event of Personal Luggage being temporarily lost in transit to the holiday destination for longer than 12 hours, WE will pay up to £100 for the purchase of essential items of clothing and personal requisites. Any payments under this heading will be deducted from claims under Swection4 (i) in respect of the same property.
OUR limit in respect of
(i) personal luggage is the amount shown in the Summary of Cover on page 6 (limited to £500) if YOU are aged under 16 years on the date of departure), subject to the limit shown in the Summary of Cover for 'any one article' for any article of pair or set of articles irrespective of single or joint ownership.
(ii) money is the amount shown in the Summary of Cover on page 6, but for loss of cash, bank or currency notes the limit is the amount shown in the Summary of Cover as 'Cash Limit', whether in the custody of one or more INSURED PERSONS irrespective of ownership.
(iii ) VALUABLES is the amount shown in the Summary of Cover on page 6, subject to a limit specified in (ii) above for any one article or pair or set of articles irrespective of single or joint ownership.
In respect of (ii) and (iii) above there is a combined limit of £100 if YOU are aged under 16 years on the date of departure.
BASIS OF CLAIM SETTLEMENT
Claims will be dealt with on an indemnity basis NOT 'new for old'. Indemnity basis means the purchase price as new of the article less deduction for wear and tear and depreciation , or the cost of repair whichever is the lesser. If an article is damaged beyond economical repair a claim will be dealt with as if the article had been lost.
SECTION 4 EXCLUDES
WE will not pay for claims arising from:
1. accidental loss of or theft or damage to property left unattended other than whilst:
(i) in YOUR locked accommodation
PAGE 12
(ii) in a locked boot or locked and covered luggage compartment of a motor vehicle provided that
(a) there is evidence of forcible and violent entry to such vehicle
(b) no cover shall apply in respect of property in vehicles left unattended at any time between the hours of 10pm and 8am.
2. Unattended Valuables and Money are only covered whilst with the hotel security or locked in a hotel safety deposit box.
3. YOUR failure to inform the police as soon as possible of any less or theft of Personal Luggage or theft or loss of Personal Money or Valuables and failure to obtain a written report.
4. accidental loss of theft of or damage to property whilst in the custody of an airline or other carrier, unless reported immediately on discovery. In the case of an airline a Property Irregularity Report must be obtained.
5. LOSS OR THEFT OF PERSONAL MONEY AND VALUABLES WHILST IN TRANSIT FROM BAGGAGE NOT IN YOUR CUSTODY OR CONTROL.
6. loss of theft or damage to:
(i) stamps and documents (other than those specifically mentioned)
(ii) spectacles, sun glasses, contact or corneal lenses
(iii) breakage or chipping of glass, porcelain, ceramic or china or any consequential loss resulting fr4om such breakage.
(iv) business goods or samples or business money
(v) land, air or water craft of any kind including cycles but excluding any models or toys
(vi) items of a perishable nature
(vii) sports equipment whilst in use
(viii) household goods and home contents
7. accidental loss or theft of travellers cheques, unless reported to the local branch or agent of the issuing authority as soon as possible.
8. shortages of Personal Money due to error, omission or variations in exchange rates or depreciation in value.
9. normal wear and tear, depreciation, gradual deterioration or mechanical or electrical breakdown.
10. accidental loss, theft or damage arising from delay or confiscation or detention by Customs or other official.
11. loss of jewellery  whilst swimming (other than wedding rings)
12. Property more specifically insured elsewhere
13. Claims will not be considered unless substantiated by an original sales receipt or original valuation for any one item, pair or set exceeding £50. In respect of VALUABLES (see definition on page 4) claims will not be considered unless an original sales receipt or original valuation is provided.
14. Excess: the first £50 (£60 essential) of each and every loss or claim each INSURED PERSON is excluded.

PAGE 13
SECTION 5 - LOSS OF PASSPORT EXPENSES
Limit £250each Insured Person.
If during the Period of the HOLIDAY/JOURNEY YOUR passport is accidentally lost of stolen, WE will reimburse the reasonable additional accommodation and travel expenses necessarily incurred abroad by You in obtaining a replacement up to a maximum of £250.
SECTION 5 EXCLUDES
WE will not pay for claims arising where YOU fail to:
(i) notify the nearest British Embassy of Consulate; and
(ii) obtain a written report from the British Embassy or Consulate of such loss.
N.B. THIS SECTION only applies to holders of valid BRITISH PASSPORTS.

SECTION 6 - PERSONAL LIABILITY
Limit of Indemnity £1,000,000
WE will reimburse YOU for all sums which YOU are personally legally liable to pay for accidents which result in:
1. death or bodily injury to any person
2. loss of damage to their property occurring during the period of the HOLIDAY/JOURNEY. The total amount payable for all claims made against YOU arising from any one occurrence is £1,000,000. WE will in addition pay any legal costs and expenses awarded against YOU or incurred by YOU with our written consent.

SECTION 6 EXCLUDES
WE will not pay for:
1. Punitive and exemplary damages.
2. Liability in respect of:
(a) death or bodily injury to YOUR employees or YOUR RELATIVES of members of YOUR  household permanently living with YOU or a travelling  companion.
(b) loss of or damage to property which belongs to YOU is is in YOUR custody or control, that that of YOUR RELATIVE or members of YOUR household or YOUR employee, or a travelling companion.
(c) YOUR trade, business or profession.
(d) the ownership or occupation of any land or building (other than occupation only of any temporary holiday accommodation, in which the first £100 of each and every claim is excluded).
(e) the ownership, possession or use of animals (other than domestic dogs not included in Section 1(i) of the Dangerous Dogs Act 1991 or horses used solely for hacking or trekking), motorised or mechanical vehicles, ships, boats or craft of any kind.
(f) any contract or agreement unless liability would have been applied anyway.
(g) any wilful or malicious or reckless act on YOUR part.
3. Costs and expenses incurred after the date on which WE have offered to pay the limit of indemnity.

SECTION 7 - MISSED DEPARTURE
Limit of Liability £300 (Europe) £650 (Worldwide)
WE will reimburse YOU up to the limit of liability in respect of additional accommodation and travel expenses necessarily incurred to reach the overseas destination as a result of the failure of the vehicle in which YOU are travelling to deliver YOU to the final United Kingdom departure point in time to join the HOLIDAY/JOURNEY due to:
(i) adverse weather conditions
(ii) strike
(iii) industrial action
(iv) mechanical breakdown
(v) accident to the vehicle
provided YOU shall take all reasonable steps to arrive at the point of departure by the time stated in the Tour Operator's brochure or other travel documents issued by the Travel Organiser.
SECTION 7 EXCLUDES
WE will not pay for
1. claims arising from strike or industrial action prior to the commencement of departure from YOU HOME or place of business whichever is later.
2. The cost of repairs to the vehicle in which YOU are travelling.
CONDITION
A repairers report will be required in the event of a claim in respect of a car breakdown, together with proof that the vehicle has been properly serviced.
N.B. THIS SECTION APPLIES ONLY IN RESPECT OF AN OUTWARD JOURNEY FROM THE UNITED KINGDOM TO AN OVERSEAS DESTINATION.

PAGE 14
SECTION 8 - DELAYED DEPARTURE
(The maximum amount payable is the amount shown against this section in the table on page 6 for the cover level selected on the validation)
If the departure of the aircraft, train, coach or sea vessel in which YOU had booked to travel on the first outward leg or first return leg of the HOLIDAY/JOURNEY is delayed for at least 12 hours from the time specified in the official itinerary supplied to YOU as a result of:
(i) strike or industrial action
(ii) adverse weather conditions
(iii) mechanical breakdown of the aircraft, train, coach or sea vessel
WE will pay either:
(a) compensation of £20 for the first full 12 hours delay and £10 for each further full 12 hours delay up to limit of liability (a) shown in the Summary of Cover on page 6. The delay will be calculated from the departure time of the aircraft train coach or sea vessel specified in the official itinerary supplied to YOU; or
(b) on the outward journey if after 12 hours delay YOU elect to abandon the HOLIDAY/JOURNEY, WE will pay up the limit of liability (b) shown in the Summary of Cover on page 6 in respect of prepaid expenses or expenses contracted to be paid for YOUR benefit which are not recoverable from any other course.
N.B. A claim cannot be made under both (a) and (b) or under both section 8 and Section 1 (a) (Cancellation).

SECTION 8 EXCLUDES
WE will not pay for claims arising
1. where YOU fail to check in at the airport, station or port of departure specified in the official itinerary issued by the Tour Operator, Tour Organiser or Carrier.
2. where YOU fail to obtain written confirmation from the carriers (or their handling agents) of the number of hours delay and the reason for the delay.
3. from strikes or industrial action unless the announcement and onset of the strike or industrial action occurred after the commencement of the PERIOD OF INSURANCE.
4. from public demonstration, civil unrest or any form or protest (including actions not specifically directed at an employer or group of employers).
5. where YOU are entitled to the same or similar benefit under any scheme arranged by a Tour Operator, Tour Organiser or Carrier.
6. Excess. The first £50 (£60 essential) of each and every claim each INSURED PERSON is excluded in respect of (b) only.
SECTION 9 - LEGAL EXPENSES
(The maximum amount payable is the amount shown against this section in the table on page 6 for the cover level selected on the validation)
To pay legal costs and expenses incurred by YOU in pursuit of compensation and/or damages against a third party arising from or out of YOUR death or personal injury occurring during the Period of the HOLIDAY/JOURNEY.
1. WE shall not be liable for
(a) Costs incurred in pursuance of any claim against a Travel Agent, Tour Operator, Carrier.
(b) Legal expenses incurred incurred prior to the granting of support by US.
(c) Any claims reported more than 180 days after the commencement of the incident giving rise to such claim.
(d) Any claim where the laws, practices, and/or financial regulations of the country in which the proposed action will take place indicate that the costs of such action are likely to be reasonably greater that the anticipated value of the compensated award.
(e) Costs incurred in pursuance of a claim against any person with whom YOU had arranged to travel.
(f) Any claim where YOU are insured for legal expenses under any other insurance policy.
(g) Any claim where in OUR opinion there is insufficient prospect of success in obtaining a reasonable benefit.

PAGE 15
We shall not be liable for any claim where legal costs and expenses are based directly or indirectly on the amount of an award.
3. The insurance will not extend to covering YOU in the pursuit of any appeal except at OUR sole discretion.
4. Where there is a possibility of a claim being brought in more than one country WE shall not be liable for the costs if an action is brought in more than one country.
CONDITIONS
1. WE shall have complete control over the legal proceedings and the appointment and control of a lawyer.
2. YOU must follow the legal representatives advice and provide any information and assistance required.
3. WE must have access to any and all the legal representatives file of papers.
4. WE may include a claim for OUR costs and expenses.
5. Failure by YOU  to comply with all of any of these conditions will entitle US to render the legal expenses aspect of this insurance void and thereby withdraw cover.

ADDITIONAL WINTER SPORTS COVER
Provided the appropriate premium has been paid then cover for Sections 1-9 is extended to include Winter Sports activities but excluding off-piste skiing, ski-racing in major events, ski-jumping, ice hockey, the use of bobsleighs or skeletons, and in addition the following sections 10,11, 12 and 13 are included.
SECTION 10 - WINTER SPORTS EQUIPMENT
Limited each INSURED PERSON £300
To pay up to £300 in all each INSURED PERSON in respect of accidental loss or theft or damage to snowboards, skis, bindings, boots or poles under 5 years old subject to a limit of £250 any one pair (see note below). There is an overall limit of £200 in respect of hired equipment.
NOTE: Claims for owned ski equipment only will be purchase price: up to  one year old - 90% of purchase price; up to 2 years old - 70%; up to 4 years 30%; up to 5 years - 20%; over 5 years - nil.
SECTION 10 Excludes
WE will not pay for claims arising from
1. accidental loss or of theft or damage to property left unattended other than whilst:
(i) protected with a suitable ski lock
(ii) in YOUR locked accommodation
(iii) in a locked boot or locked and covered luggage compartment of a motor vehicle provided that
(a) there is evidence of forcible and violent entry to such vehicle
(b) no cover shall apply in respect of property in vehicles left unattended at any time between the hours of 10pm and 8am
2. loss of or damage to any article or goods on roof racks
(i) by weather conditions resulting from failure to protect items

PAGE 16
(ii) by theft or malicious persons whilst the vehicle is unattended
3. damaged winter sports equipment owned by YOU not returned to the UK for inspection.
4. ski equipment used by persons for whom it was not designed.
5. any loss, theft or suspected theft unless YOU inform the police as soon as possible and obtain a written report.
6. accidental loss or theft of or damage to property whilst in the custody of an airline or other carrier unless reported immediately upon discovery. In the case of an airline a Property Irregularity Report must be obtained.
7. Excess: The first £50 (£60 essential) of each and every loss or claim each INSURED PERSON is excluded.
SECTION 11 - HIRE OF SKIS.
Limit each INSURED PERSON £150
To pay up to £150 in all each Insured Person in respect of the reasonable cost of hiring a snowboard, skis, bindings, boots or poles as a result of the accidental loss or theft of or damage or temporary loss in transit for more than 12 hours of YOUR own equipment during the PERIOD OF INSURANCE.
SECTION 12 - UNUSED SKI PACK
Limit each INSURED PERSON £300
To Pay up to £300 in all each INSURED PERSON in respect of the proportionate loss of irrecoverable ski pack costs paid or contracted to be paid prior to the JOURNEY/HOLIDAY consequent on YOU becoming ill or sustaining personal injury during the Period of the JOURNEY/HOLIDAY and certified by a MEDICAL PRACTITIONER as being unable to ski and a written report obtained.
A ski pack shall consist of pre-booked lift and passes, hired skis, bindings and boots, and ski school fees.
SECTION 12 EXCLUDES
WE will not pay for:
Claims where a written report has not been obtained from a MEDICAL PRACTITIONER.
SECTION 13 0 PISTE CLOSURE.
Limit each INSURED PERSON £200
Cover is effective only during the period 10th December to 30th April.
In the event that due to lack of snow conditions which result in the total closure of skiing facilities (excluding cross country skiing) in the resort to which YOU  had pre-booked to travel it is not possible to ski, WE will pay up to a maximum of £20 per day for transportation to an alternative site for so long as such conditions prevail in the booked resort but in any case not exceeding the pre-booked period of YOUR TRIP. In the event that there are no alternative sites available, WE will  pay £20 for each day's skiing lost up to £200 in all each INSURED PERSON.
SECTION 13 EXCLUDES
WE shall not be liable for claims:
1. where YOU  have not obtained written confirmation of closure from the Tour Operator's local representative.
2. where not all skiing facilities are closed.
3. where lack of snow conditions are known of or are public knowledge at the time of effecting this insurance.

PAGE 17
SECTION 14 - SCHEDULED AIRLINE FAILURE
(where appropriate premium paid)
This cover is provided by International Passenger Protection Limited, Foxbury House, Foxbury Road, Foxbury Road, Bromley, Kent BR1 4DG. United Kingdom and is underwritten by a consortium of Association of British Insurers member Companies.
THE INSURER WILL PAY up to £1500 in total for each PERSON-INSURED named on the Invoice and Airline Ticket for:

1. Irrecoverable sums paid in advance and in the event of insolvency of the scheduled airline not forming part of an inclusive holiday prior to departure
OR
2. In the event of insolvency after departure:
(a) additional pro rata costs incurred by the Person-Insured in replacing that part of the flight arrangements to a similar standard to that originally booked or
(b) if curtailment of the holiday is unavoidable - the cost of return flights to the United Kingdom or any European Union member country to a similar standard to the originally booked.
THE INSURER WILL NOT PAY FOR:
- Scheduled flights not booked within the United Kingdom
- Scheduled flights not booked through a bonded travel agent or direct with
   scheduled airline
- The Financial Failure of:
(a) any scheduled airline in Chapter 11 at the date of issue of the Certificate
(b) any scheduled airline bonded or insured elsewhere (even if the bond is insufficient to meet the claim)
(c) Any travel agent, tour organiser, booking agent or consolidator with whom the insured has booked a scheduled flight.

CLAIMS PROCEDURE:- International Passenger Protection claims only - any occurrence which may give rise to a claim should be advised within 14 days to:
INTERNATIONAL PASSENGER PROTECTION CLAIMS Office
                                          Telephone + 44 (0) 20 8313 3010
                                                                 Foxbury House
                                               Facsmile: + 44 (0) 20 8313 1913
                                                                  Foxbury Road.
                                      Bromley, Kent BR1 4DG, United Kingdom

ALL OTHER CLAIMS - REFER TO YOUR INSURANCE DOCUMENT AND SEE
                                       ALTERNATIVE CLAIMS PROCEDURE
                                     -------------------------------------------------------------
This certificate is only a summary of the protection provided. A copy of Master Policy wording providing full details of the terms and conditions of the Insurance is available from the Policyholder upon request.
                                              ------------------------------------------------
PAGE 18
SPECIAL CONDITIONS
1. It is a special condition that no HOLIDAY/JOURNEY is booked or undertaken against medical advice or for the purpose of obtaining medical treatment.
2. It is a special condition that YOU are not aware of any reason why the HOLIDAY/JOURNEY may be cancelled or curtailed.
3. It is a special condition that if YOU have a medical condition or YOU  are undergoing investigations and/or tests for the presence of a medical condition which could necessitate cancellation or curtailment of the Holiday/Journey, YOU must contact the Medical Screening Line (detailed in 'Important Health Conditions' on page 5) to confirm cover.
4.
The MEDICAL EMERGENCY SERVICE must be advised immediately in the event of
(a) YOUR hospitalisation; or
(b) YOUR intended repatriation for medical reasons; or:
(c) the need to return earlier than the original booked return date when the cause of such return may be insured under Section 1 (b) Curtailment of the Policy; or
(d) if out-patient treatment appears likely to cost more than £500; or
(e) if YOUR return is delayed due to medical reasons or YOUR inability to return HOME as planned due to medical reasons occurring during the HOLIDAY/JOURNEY.

GENERAL CONDITIONS
Claims Procedure and Requirements
1. On the happening of any illness, injury, loss or damage, YOU must at YOUR own expense:
(a) give US full details in writing as soon as possible after any event which could lead to a claim under this Policy
(b) take all reasonable precautions to prevent further illness, injury, loss or damage
(c) immediately inform the police of any loss or theft of Personal Possessions or Money or VALUABLES and obtain a written report.
(d) supply all reports, certificates, information, evidence and assistance as may be required by US
(e) send to US any writ, summons or other legal document served on YOU and must not answer any correspondence without OUR written consent
2  WE  shall be entitled
(a) to negotiate, defend or settle in YOUR name and on YOUR behalf any claim made against YOU
(b) to prosecute in YOUR name for OUR  benefit any claim against any person in respect of any amount paid or payable under this Policy.
YOU  shall as often as required submit to medical examination at OUR expense in connection with any claim under Sections 1 (Cancellation and Curtailment), 2 (Medical and Other Expenses), or 3(Personal Accident) and in the event of YOUR death, WE shall have the right to a post mortem at OUR  own expense.
3. All damaged property must be retained for inspection, becoming Our property upon settlement of the claim.
4. Any claims arising under this Insurance shall be governed by the Law of England whose Courts alone shall have jurisdiction in any dispute arising hereunder.
GENERAL EXCLUSIONS
This Policy
1. Claims directly or indirectly arising from
(i) YOUR engaging in:
(a) winter sports unless the appropriate additional premium has been paid, in which case 'Winter Sports' is amended to off-piste skiing, ski racing in major events, ski jumping, ice hockey, the use of bobsleighs or skeletons.

PAGE 19
(b) parachuting, aerial activities, aeronautics or aviation other that as a fare paying passenger in a licensed passenger aircraft.
(c) motorcycling (other than mopeds and motorcycles up to 150cc hired during the period of the HOLIDAY/JOURNEY and for which YOU hold a current driving licence), yachting outside coastal waters (which are defined as being with sight of land) unless declared to and accepted by Underwriters, motor competitions, aqualung diving, any form of combat, climbing necessitating the use of ropes or guides, polo, pot-holing, riding in or on any boat designed to travel at a speed in excess of 30 knots, crewing a vessel from one country to another, water ski-jumping and tricks, racing other than on foot, show jumping and any other sport or pastime of a comparably hazardous nature
(c) work of any kind undertaken during the period of the HOLIDAY/JOURNEY other than clerical, managerial or commercial duties
(e) association or rugby football or any professional sports
(f) taking part in expeditions or treks
(ii) YOUR
(a) suicide or attempted suicide
(b) being affected
   (i) (temporarily or otherwise) by alcohol or drug (s)
   (ii) by any sexually transmitted disease or condition
(c) wilfully self inflicted injury or wilful exposure to danger, except in an attempt to save human life
2. Loss (including any consequential loss), bodily injury, damage or liability resulting or arising from or directly or indirectly caused or contributed to by
(a) Ionising radiations or contamination by radioactivity from any nuclear fuel or from waste from the combustion of nuclear fuel
(b) The radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly of nuclear component thereof
(c) Detention or confiscation or requisition by any Government or Public or Local Authority
(d) Pressure waves caused by aircraft or other aerial devices
(e) War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, terrorist activity  (this exclusion does not apply to Section 2 (Medical and Other Expenses), 3 (Personal Accident) and 4 (Personal Property, Money and Valuables), the UNDERWRITING AGENTS shall not be liable for any loss, injury, damage, illness, death or legal liability arising directly or indirectly from, or consisting of, the following: The failure or fear of failure or inability of any equipment or any computer program, whether or not YOU own it, to recognise or to correctly interpret or process any date as its true calendar date, or to continue to function correctly beyond that date.
4. This policy does not cover any person who is not normally resident in the UK
5. Consequential loss of any kind.
6.Bankruptcy/Liquidation of any tour operator, travel agency, transportation company or accommodation supplier.
7. Manual work unless declared to and accepted by the UNDERWRITING AGENTS.
8. Travelling to countries where the British Foreign Office have advised against travel.

PAGE 20 - BACK COVER
Logos showing
ABTA - 'Travel Industry Partner.
ATII - 'Members of Travel Industry Investments'
'Member of General Insurance Standards
EUCLIDIAN DIRECT LIMITED
(Travel Department)
Crest House, Station Road, Egham, Surrey TW20 9LG
Tel: 01784 484601, Fax 01784 484610,
email: erm@euclidian.co.uk

END OF CONTENT IN POLICY BOOKLET
-----------------------------------------------------------------------------------
For additional Sports cover information click here