Adventures Premiums and Categories
Cover & Limits each person (Part A - Sections 1 to 5: Part B - Sections 6 to 8.)
Part A
Section |
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Significant Features & Benefits
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Main Exclusions
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Emergency Medical
Assistance Service
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Included
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Medical expertise available 24 hours a day, 365 days a year. The assistance service has experienced multi-lingual co-ordinators, who will, in liaison with your treating doctor or physician, decide the most suitable, practical and reasonable solution to your problem. This may include arranging further medical assistance or repatriation, depending upon medical criteria and your fitness to travel.
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1. Medical & Emergency
Expenses
Hospital Benefit
Search and Rescue
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£10,000,000
£400
(£20 per day)
£50,000 (£10,000 within your home country)
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Emergency medical and other expenses incurred outside your home country.
Transfer of your body or ashes to your home country or reasonable funeral expenses abroad up to £3,500).
Reasonable additional travelling expenses incurred in returning home, as a result of an injury or illness to a close relative not traveling with you.
Daily benefit payable in the event of hospitalisation outside your home country.
Costs incurred as a result of an accident which involves search and emergency rescue
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- Any pre-existing health condition unless cover has been agreed in writing and any additional premium paid.
(See Page 5 of your insurance policy for details of Medical Screening)
In –patient treatment and related expenses over £300 unless this has been agreed by the insurer’s 24 hour emergency assistance service
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2. Personal Accident
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£10,000
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A cash sum for accidental bodily injury, loss of sight or limbs or permanent total disablement.
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- The Death benefit for persons under 16 or over 70is limited to £5,000 if Category 4 or 5 activities are undertaken.
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3. Personal Liability
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£2,000,000
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Cover for compensation you become legally liable to pay for accidents which cause:-Death or bodily injury;
Loss or damage to property.
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Cover is not provided for:-
Injury to your traveling companion, a family member or person in your service. companions
Your trade, business or profession
Claims arising from your use, ownership or possession of any motorised or mechanically propelled or horse drawn vehicle, any aircraft, or any motorised or mechanically propelled watercraft or sailing vessel.
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4. Activity Equipment
(own)
Single Article Limit
Delayed Equipment
(over
12 hours)
Equipment
Hire
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£1,000
£400
£200
£200
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Cover in respect of any loss or damage of your own activity equipment.
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As per Section 6 opposite.
Loss or damage to any motorised or mechanically propelled or horse drawn vehicle, any aircraft, or any motorised or mechanically propelled watercraft or sailing vessel.
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5. Legal Expenses
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£25,000
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Cover for legal costs in pursing a claim against a
third party who caused your injury or illness.
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Cover is not provided for claims against
Underwriters, Insurer or Insurers Agents.
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PART B
Section |
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Significant Features & Benefits
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Main Exclusions
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6. Baggage, Personal
Effects, Money and
Documents
Single Article Limit
Valuables (as defined)
Limit
Personal Money
Baggage Delay
Travel Documents
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£1,500
£300
£300
£250
£200
£1,000
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Cover for the loss damage of your own
personal effects.
Cover for loss or theft of your personal money.
Cover for purchase of essential items if your
property is delayed by at least 12 hours on the outward journey.
Cover for loss of travel documents and if necessary,
additional travel and accommodation costs.
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No cover will be provided for;-
- Property left unattended away from
your locked trip accommodation.
- Property left unattended in a motor
vehicle, except between 6.00am
and 11.00pm when it is in a locked
boot and entry was gained by
forcible means.
- Proof of purchase/ownership of lost or stolen items will be required
- All losses should be reported to
the police and a report obtained.
- A Property Irregularity Report (PIR)
should be obtained and purchase
receipts provided for Baggage delay
claims.
All losses should be reported to the police and a report obtained.
- No cover will be provided unless
reasonable care for the safety/
supervision of the property is taken.
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7. Loss of Deposit,
Cancellation and
Curtailment
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£3,000
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Reimbursement of deposits paid and forfeited for
unused travel and accommodation costs if the
booked holiday/trip is necessarily and unavoidably
cancelled or curtailed as a result of:
Accident or illness of insured person, close relative,
business associate, travelling companion or person
you intended staying with;
Compulsory quarantine, jury service or witness in
a court of law; qualifying redundancy, withdrawal
of Armed Forces leave, or serious damage to your
home.
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- Cancellation due to illness or injury,
unless supported by a certificate from
a medical practitioner confirming the
need to cancel.
- Repatriation / Curtailment costs are
not covered unless the Emergency
Medical Assistance Service has been
notified and cover agreed.
- Any pre-existing health condition
unless cover has been agreed in
writing and any additional premium
paid. (See Page 5 of your insurance policy for details of Medical Screening)
- Failure to obtain the required
passport/visa.
- Travelling against the advice or
recommendations of the British
Foreign & Commonwealth Office.
- Disinclination to travel.
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8. Unexpected Events
Travel Disruption
Travel Delay
-each 12 hour delay
- up to a maximum
or,
Cancellation after 12
hours
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£1,000
£30
£120
£3,000
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Cover for additional travel & accommodation
to reach your destination, outside your home
country, as a result of delays due to failure of public
transport, or your own vehicle breaking down or
being involved in an accident.
Compensation for each 12 hours your booked
transport is delayed on either your outward or return
journey, or at your option, irrecoverable cancellation
costs if your delay exceeds 12 hours on the
outward journey.
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No cover is provided;
- if you fail to check in correctly
- if you do not obtain written
confirmation of the delay
- for circumstances already known
about when the policy was
purchased.
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Event excess
An event excess applies to certain sections of the policy and is deductible per claim for a single event or occurrence. This excess will be: £100 Medical & Emergency Expenses*
£50 Activity Equipment (own)
£100 Cancellation fall sections except loss of deposit claims only-£15) & Curtailment*
£200 under Section 3 for property damage
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£500 Search & Rescue
£50 Loss of Baggage, Money & Travel Documents
£50 Unexpected Events (travel disruption only). £100 unexpected events (abandonment only)
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Please note that increased excesses may apply under these sections as a result of your contact with the Medical Screening Line. Any increase will be confirmed to you in writing.
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Premiums are as follows and include a fee of £5 and insurance premium tax at 17.5%
Category Two Activities
Abseiling |
Activity Centre Holidays
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Amateur Sports Contact e.g. Rugby
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Black Water Rafting
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Boxing
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Bungee Jumping
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Farm Work
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Gliding
(Not Learning)
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Kite Surfing
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Manual Work ground level only No Machinery
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Marathon (outside UK)
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Kite Surfing
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Motor Rallies Other than major events
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Motor Cycle Touring (over 500cc)
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Off-Piste Skiing (within Winter Sports cover)
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Parascending
Over Land
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Polo
(Not Competitive)
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Rock Climbing as part of activity holiday Not sole purpose of trip
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Sand Boarding
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Sledging/Taboganning
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Sleigh riding (reindeer, horses or dogs)
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Snow Mobiling/Ski Dooing
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Trekking below 4000m Organised by tour operator
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Wake Boarding
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Working – Manuel ground level only
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Wrestling
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Yachting outside Coastal Waters (excluding crewing)
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Category Three Activities
Diving over 30 metres (With appropriate qualifications) |
Flying/
Gliding Learning to Fly/Glide
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Hot Air Ballooning
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Manual Work
(Up to 9 metres above ground
/Hazardous machinery
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Matrial Arts
Competative
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Motor Track/
Off Road Motor-cycling
Not competitive
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Overland Trips
Africa/Asia
Latin America
Over 2 days
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Yachting involving Racing/
Crewing/tall ships/ocean crossing (excluding all or part of round the world trips
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Category Four Activities
BMX Cycling
(Competitive) |
Canyoning
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Glacier
Crossing
/Walking
Roped or where guides required
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Hang Gliding
UK & EUROPE ONLY
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Horse Jumping/
Polo
Not Competitive
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Marathon Running
Extreme Running
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Micro Lighting
Air Boarding Sky surfing
UK & EUROPE ONLY
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Motor Cross
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Mountaineering
Europe
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Mountaineering
Kilimanjaro
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Parachuting Paragliding Para Motoring Parasailing Sky Diving UK & EUROPE ONLY
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Polo
Non Proffessional
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Potholing / Caving
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Rock Climbing
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Shark Diving
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Ski Instructors
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Trekking 4000m to 6000m
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Winter Sports
Bobsleigh/
Skeleton
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Winter Sports
Heli-Skiing/Ski touring
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Winter Sports
Racing in Major Events
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Winter Sports
Stunting/
Freestyle/
Acrobatics/
Jumping
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Europe Premiums
Duration |
Category
Two
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Category
Three
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Category
Four
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All Categories
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PART A
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PART A
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PART A
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PART B
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1 Day
|
£21.90
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£25.80
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£31.00
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N/A
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Up to 5 days
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£31.00
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£37.00
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£45.00
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£12
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Up to 9 Days
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£37.50
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£45.00
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£55.00
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£12
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Up to 17 Days
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£45.30
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£54.60
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£67.00
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£12
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Up to 24 Days
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£47.90
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£57.80
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£71.00
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£12
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Up to 31 days
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£55.70
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£67.40
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£83.00
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£12
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Worldwide Excluding USA, Canada & Caribbean Premiums
Duration |
Category
Two
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Category
Three
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Category
Four
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All Categories
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PART A
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PART A
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PART A
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PART B
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1 Day
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£29.70
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£35.40
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£43.00
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N/A
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Up to 9 Days
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£49.20
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£59.40
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£73.00
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£24
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Up to 17 Days
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£60.90
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£73.80
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£91.00
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£24
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Up to 24 Days
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£70.00
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£85.00
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£105.00
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£24
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Up to 31 days
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£84.30
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£102.60
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£127.00
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£24
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Worldwide Including USA, Canada & Caribbean Premiums
Duration |
Category
Two
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Category
Three
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Category
Four
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All Categories
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PART A
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PART A
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PART A
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PART B
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1 Day
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£47.90
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£57.80
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£71.00
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N/A
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Up to 9 Days
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£83.00
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£101.00
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£125.00
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£29
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Up to 17 Days
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£97.30
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£118.60
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£147.00
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£29
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Up to 24 Days
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£114.20
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£139.40
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£173.00
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£29
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Up to 31 days
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£127.20
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£155.40
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£193.00
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£29
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