YOUR POLICY SUMMARY

Some important facts about your insurance are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to read the policy document to make sure you understand the cover it provides.

If you wish to obtain the original official .PDF version of this policy, please click here (requires Adobe Acrobat to view.)

Insurer
This travel insurance is administered by TPS (Insurance Admin Services) Ltd and arranged by Acumus Insurance Solutions Limited with UK Underwriting Limited on behalf of:  Axa Insurance UK plc. Registered office: 5 Broad Street, London EC2N 1AD, Registered in England No. 78950.

TPS (Insurance Admin Services) Ltd, Acumus Insurance Solutions Limited, UK Underwriting Limited and Axa Insurance UK plc are all authorised and regulated by the Financial Services Authority.

Type of Cover
This is a travel policy that, subject to the terms, conditions and exclusions contained in the Policy Booklet, provides certain financial protection and medical assistance for your trip(s).

About your Cover

Features and Benefits Automatically Included		Policy Section
Medical Conditions existing prior to purchasing this policy	Your policy excludes pre-existing medical­conditions known to you concerning the health of: you, your relatives, your travelling­companions, or anyone whose ill health would force you to cancel or cut short your trip. A pre-existing medical condition is defined as: A medical condition known to you which has been suffered or for which medication, advice or treatment has been received within 9 months prior to the date of application.	'Read me first' Part 1 and 'Policy Definitions' Part 3 Section A - Cancellation & Curtailment - 'What you are not covered for' Part 4 and Section B – Medical, & Treatment Expenses - 'What you are not covered for' Part 3
Age Limits	There are different age limits under the policy according to the type of policy purchased. Please note that if you are under 18, reduced cover will apply to certain sections of the policy.	'Policy Periods – Policy Type' Part 2
Residency	To be eligible for this policy, you must be a UK resident at the time of taking out this policy.	'Policy Definitions' Part 3
Sports & Leisure Activities	You may be covered under this policy when participating in certain acceptable sports & leisure activities. You will only be covered whilst participating in this hazardous sports and leisure activities, if you have paid the appropriate additional premium before your trip commenced. You may be covered when participating in ­certain winter sports if you have paid an additional premium to extend your cover. There is also no cover under the insurance for claims arising from riding a motorcycle over 50cc.	'Read me first' Part 1 'Acceptable sport & leisure activities' and 'hazardous sports and leisure activities'  Policy Definitions'  Part 2 'Wintersports Policy Definitions' Part 3, cover Parts 5and 6
Law and Jurisdiction	This policy shall be governed by and construed in accordance with the Law of England and Wales unless the Certificate holder's habitual residence (in the case of an individual) or central­administration and/or place of establishment is located in Scotland in which case the law of Scotland shall apply	'Conditions which apply to the whole policy' Parts 6 and 7 No. 13

THE SIGNIFICANT PRODUCT FEATURES, BENEFITS & EXCLUSIONS
Section Of Cover	Significant Features and Benefits	Policy Limits & Exclusions Applying to Significant Covers	Policy Ref.
SECTION A – ­CANCELLATION AND CURTAILMENT Policy Type Sum Insured (up to) Standard £3000	Provides cover for ­ travel, accommodation, excursions, tours and activities that have been pre paid or you are ­ contracted to pay for and cannot get back if you cancel or cut short your holiday.	To be able to claim, the reason why the trip is being cancelled or cut short must be necessary and unavoidable and must fall into one of the reasons listed in the Policy. For example, if a person insured under this policy becomes ill or is injured or dies. An excess of £50 (or 20% of the ticket cost for claims relation to ticket cancellation) per person applies. This excess is doubled if the Insured is aged 65 or over.	Part 3
SECTION B – MEDICAL & TREATMENT ­EXPENSES Policy Type Sum Insured (up to) Standard £5m	Provides cover for costs arising in the event of illness, injury or death during the trip and where necessary the provision of emergency medical assistance.	To be able to claim, the medical treatment must be required in an emergency and be unable to wait until you have either returned to the United Kingdom or the country in which you are temporarily­residing and commenced your trip from. Medical cover does not apply to treatment received in your country of residence or the country in which you are ­ temporarily residing and from which you commenced your trip. An excess of £100 per person, per incident applies. This excess is doubled if the Insured is aged 65 or over. The excess can be deleted if EHIC successfully reduces the claim.	Parts 3 & 4
SECTION D – PERSONAL EFFECTS & BAGGAGE, TRAVEL DOCUMENTS AND DELAYED BAGGAGE Policy Type Sum Insured (up to) Standard £1500	Provides cover for your own personal luggage and valuables if they are lost, stolen or damaged during your trip. You will be expected to provide evidence of ownership and value (such as receipts) in the event of a claim.	To be able to claim, a written report is required to support the loss / theft/ damage. For example, from the local police or from the transport carrier. The amount payable will include an allowance for wear and tear and loss of value. Your policy has a limit of £150 for each single item (this includes a pair or set). Your policy has a limit of £300 for valuables overall. Valuables are not covered if they are left in an unattended vehicle or are outside your control in transit at any time. An excess of £50 per person, per incident applies. There are several items which are not considered to be personal effects, please refer specifically to the definition of Personal Effects.	Part 4
SECTION E – PERSONAL MONEY Policy Type Sum Insured (up to) Standard £500 (This includes a cash limit of £100 or £50 if aged under 18)	Provides cover for cash and traveller's cheques lost or stolen during your trip. You will be expected to provide evidence of ownership and value in the event of a claim.	To be able to claim, cash must be kept with you at all times or be in a locked safety deposit facility. A written Police report must be obtained within 24 hours to support the loss/theft. An excess of £50 per person, per incident applies.	Part 4

PERIOD OF INSURANCE
The policy you have purchased will run for the period of insurance shown on your certificate of insurance or booking invoice.

YOUR RIGHT TO CANCEL THIS POLICY
We hope you are happy with the cover this policy provides. However, if this cover does not meet your requirements, you have the right to cancel it within 14 days of receipt. We will refund all premiums paid within 30 days from the date we receive the notice of the cancellation from you, provided that you have not travelled on the policy during that time.

HOW TO MAKE A CLAIM
If you need to make a claim, please obtain a claim form no later than 31 days after the event by:

• Telephoning TPS (Insurance Admin Services) Ltd on 0845 218 7185 or
• Writing to TPS (Insurance Admin Services) Ltd, PO Box 132, Leeds LS10 9BT.

Quoting reference number 01995

HOW TO COMPLAIN
It is the intention to give you the best possible service but if you do have any questions or concerns about this policy or the handling of a claim you should in the first instance contact the Complaint's Officer.

The contact details are:

• Complaint's Officer, Jet2.com Travel Insurance, PO Box 132, Leeds LS10 9BT.
  Tel: 0845 218 7185. Fax: 0845 2187192. Email: info@tpsltd.com

Please ensure your policy number is quoted in all correspondence to assist a quick and efficient response.
In the event you remain dissatisfied and wish to make a complaint, you can do so by contacting the following:

• The Head of Claims, UK Underwriting Ltd, 2 Gibraltar House, Bowcliffe Road, Leeds LS10 1HB
  

If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service. This also applies if you are insured in a business capacity but have a group annual turnover of less than £1 million, or are a charity with an annual income of less than £1 million, or are a trustee of a trust with a net asset value of less than £1 million.

You may contact the Financial Ombudsman Service at:

• Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR Tel: 0845 080 1800

This does not affect your statutory rights.

COMPENSATION SCHEME
AXA Insurance UK plc are covered by the Financial Services Compensation Scheme (FSCS).  You may be entitled to compensation from the scheme, if they cannot meet their obligations.  This depends on the type of business and the circumstances of the claim.  Most insurance contracts are covered for 100% of the first £2,000 and 90% of the remainder of the claim.  You can get more information about compensation scheme arrangements from the FSCS.

Part 1

YOUR SCHEDULE OF BENEFITS DETAILS THE SECTIONS OF THIS DOCUMENT UNDER WHICH YOU ARE COVERED

THIS IS TO CERTIFY that the Insurer, in consideration of the premium specified on your certificate of insurance or booking invoice, agrees to indemnify the Insured person(s) specified on the certificate of insurance or booking invoice in respect of the covers listed in the Schedule of Benefits.

This travel insurance is administered by TPS (Insurance Admin Services) Ltd and arranged by Acumus Insurance Solutions Limited with UK Underwriting Limited on behalf of:

• Axa Insurance UK plc. Registered Office: 5 Broad Street, London EC2N 1AD, Registered in England No.78950.

TPS (Insurance Admin Services) Ltd, Acumus Insurance Solutions Limited and UK Underwriting Limited are all members of the Primary Group. For further details please visit www.primarygroup.com.

This document only constitutes a valid insurance policy when it is issued in conjunction with a valid certificate of insurance or booking invoice between 01.08.2008 and 31.07.2009.  All policies must expire prior to 31.01.2011.

SIGNED for and on behalf of the Insurer:   Paul Smith - Managing Director, UK Underwriting Limited

IMPORTANT NOTICE THE JET2.COM TRAVEL INSURANCE HAS BEEN SPECIFICALLY DESIGNED TO SUIT THE NEEDS OF JET2.COM TRAVELLERS. IT IS IMPORTANT THAT YOU READ THE FOLLOWING INFORMATION REGARDING MEDICAL EXPENSES. PLEASE NOTE: This policy does not cover Medical or Cancellation/Curtailment claims arising from either your or a close relative's Pre-existing Medical Condition. Please read "Health Conditions" opposite and the definition of a Pre-existing Medical Condition overleaf. Please read the attached policy together with your certificate of insurance or booking invoice and ensure that it meets your needs before departure.

SCHEDULE OF BENEFITS
Description	£ Cover (per insured)	£ Excess (per Insured)
A) Cancellation & Curtailment	Up to £500	£50** (20% of ticket cost for claims relating to ticket cancellation)
B) Medical & Treatment Expenses    Travel & Accommodation Expenses	Up to £2,000,000 Up to £5,000	£100**
C) Hospital Benefit	£10 per complete 24 hours - up to £300	N/A
D) Personal Effects & Baggage,     Travel Documents and Delayed     Baggage     Single Item Limit     Valuables     Travel Documents     Delayed Baggage	Up to £750 £150 £300 Up to £200 £50 per complete 24 hours (up to £100)	£50
E) Personal Money     Cash limit     Cash (aged under 18)	Up to £500 £100 £50	£50
F1) Travel Delay	£20 for the 1st 12 hours delay, then £10 thereafter up to £60	N/A
F2) Holiday Abandonment	£500	£50**
G) Missed Departure	£300	£50
H) Personal Accident     Loss of Limbs or Sight     Permanent Total Disablement     Death Benefit	£10,000 £10,000 £10,000	N/A
I) Personal Liability	Up to £1,000,000	£50
J) Legal Expenses	Up to £10,000	£50
K) Flight Disruption	Up to £15,000	£50
Wintersports Cover (Available if a Wintersports single trip policy or an inclusive Annual Multi trip cover is purchased.)
L) Ski Equipment     Owned     Single Item Limit - owned       Hired	Up to £300 £150 Up to £200	£50
M) Ski Hire	£20 per day up to £200	N/A
N) Ski Pack	Up to £75 per day up to £150	£50
O) Piste Closure	Up to £20 per day up to £200	N/A
P) Delay due to avalanche	Up to £100	£50

** Insured's aged 65 and over are subject to double excesses.

TERRITORIAL LIMITS
Area 2	The Continent of Europe west of the Ural Mountains, Madeira, Canary Islands, Iceland, the Azores, Mediterranean Islands and non-European countries bordering the Mediterranean (excluding Algeria, Israel, Lebanon and Libya.)
Area 4	Worldwide, including USA and Canada.
In addition, we will provide cover for a maximum of 5 days for necessary stop overs outside the chosen geographical limits as part of your travel arrangements.

Part 2

WHILE YOU ARE AWAY

Primary Assist - 24 Hour Emergency Service

WHILE YOU ARE AWAY

Making a Claim

For all sections: If you need to make a claim, please obtain a claim form no later than 31 days after the event by:

• Telephoning TPS (Insurance Admin Services) Ltd on 0845 218 7140 (Quote Ref: 01995) ­­ or
• Writing to TPS (Insurance Admin Services) Ltd, PO Box 132, Leeds, LS10 9BT

When returning the claim form, please include all relevant documentation. Please send originals – not photocopies (keep copies for your records). For all claims you will need to send your original insurance certificate and your original booking invoice.

UK Underwriting Limited are an Insurers agent and in the matters of a claim act on behalf of the Insurer.

POLICY PERIODS

Policy Type – Single Trip
A single return trip as defined in the Period of Insurance. The maximum age, at the date of departure, for this type of policy is as follows:

• If you hold a valid Jet2.com flight ticket – There is no age limit.
• If you do not hold a valid Jet2.com flight ticket – 74 if you are only travelling within Europe, or 64 if you require worldwide cover.

Policy Type – One way Trip
A single outward trip, as defined in the Period of Insurance. The Period of Insurance shall expire normally or in any event not later than 24 hours after the time you first leave the immigration control of your final destination country. The maximum age, at the date of departure, for this type of policy is as follows:

• If you hold a valid Jet2.com flight ticket – There is no age limit.
• If you do not hold a valid Jet2.com flight ticket – 74 if you are only travelling within Europe, or 64 if you require worldwide cover.

Policy Type – Annual Multi-Trip
Any number of return trips as defined above.  This type of policy includes:

• A maximum of 31 days any one trip, unless you have purchased an annual policy with a maximum trip duration of 17 days per trip.
• Cover for overnight trips within the UK, Channel Islands and Isle of Man providing the trip is over 50 miles from home and accommodation has been pre-booked for two or more nights.

The maximum age for this type of policy is 64 at the date of issue.

Period of Insurance – Single Trip / One-Way Trip
Under Section A (for cancellation), the insurance is effective from the date of issue of the certificate and terminates on commencement of your trip.  In respect of all other sections, the insurance commences when you leave to commence the trip described in the territorial limits and shall cease with whichever occurs first of the following:

• The expiry of the policy period as shown on the certificate;
• Your return as planned, at the end of the trip,
• Your first return prior to the planned return at the end of the trip.

The period of insurance will be extended day by day up to a maximum of 30 days after the expiry of the period stated on the certificate when the return is necessarily delayed as a result of your ill health or failure of public transport, provided that Primary Assist has been notified.

In respect of one-way trips only the period of insurance shall cease with whichever occurs first of the following: the expiry of the policy period or 24 hours after the time you first leave the immigration control of your final destination country.

Period of Insurance - Annual Multi-Trip only
Under Section A (for cancellation), the policy is effective from the later of either:

• the date of issue of the certificate; or
• the time at which the trip is booked and ends at which ever happens first:
• the start of your trip; or
• the expiry of the policy

In respect of all other sections, the policy commences when you leave to commence the trip described in the territorial limits and shall cease with whichever occurs first of the following:

• The expiry of the policy period as shown on the certificate;
• Your return as planned, at the end of the trip,
• Your trip exceeding the maximum trip length.

POLICY DEFINITIONS

Wherever the following words or phrases appear within this policy they will always have the same meaning and will appear in bold.

Acceptable Sports and Leisure Activities
Category 1 - Acceptable sports and leisure activities
Archery, if adequately supervised, badminton, baseball, basketball, beach games, bungee jumping (up to 1 jump), canoeing, clay pigeon shooting, cricket, cycling (other than specified), deep sea fishing, dinghy sailing, dragon racing, fell walking, fencing, fishing, football, Frisbee, golf, hiking (under 2000 metres altitude), horse riding (up to 7 days), hot air ballooning which has been organised in the UK prior to departure, ice skating, jet boating, jet ski-ing, jogging, korfball, marathon running, motorcycling up to 50cc, netball, orienteering, outward bound pursuits, paintballing, parascending (over water), pony trekking, racquetball, rambling, river canoeing, roller skating, roller blading, rounders, rowing, running-sprint/long distance, safari (UK organised), sail boarding, sailing within territorial limits, scuba diving up to 15 metres if adequately supervised, snow sledging, snorkelling, squash, surfing (under 14 days), tobogganing, tennis, track events, trekking (under 2000 metres altitude), triathlon, ultimate frisbee, volleyball, war games, water polo, water ski-ing, white water rafting (Grade 1 to 4), windsurfing, work abroad including manual work being restricted to bar work and fruit picking (not involving the use of agricultural machinery), yachting (racing/crewing inside territorial waters)

The following activities are not included in the definition:
White water canoeing, bmx or mountain biking, horse jumping, hunting on horseback, polo on horseback, scuba diving within 24 hours prior to departure.

Accident/Accidental
A sudden, unexpected, unusual, specific, violent, external event which occurs at a single identifiable time and place and independently of all other causes, resulting directly, immediately and solely in physical bodily injury which results in a Loss. In no event shall the contracting of any disease and/or illness or medical condition, nor the injection or ingestion of any substance, be considered an accident. An event which directly or indirectly exacerbates a previously existing physical bodily injury shall not be considered an accident.

Act of terrorism
An act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone, or on behalf of, or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

Cancellation Costs
Travel and accommodation expenses paid or contracted to be paid by you in respect of your trip.

Cash
Currency notes and coins.

Certificate/Policy/Evidence Number
An insurance validation certificate or Jet2.com booking invoice validate and activate this insurance wording. Where ever the word "Policy" is shown this shall be deemed to read "Certificate" and vice versa.

Close Business Associate
Any person in the same employment as you in your country of residence, whose absence from business for one or more complete days at the same time as you prevents the effective continuation of that business.

Common-Law Partner(s)
Any couple (including same sex) in a common-law relationship or who have cohabited for at least 6 months.

Computer equipment
Communication devices and other business related equipment which is carried by you in the course of your business.

County of Residence
The country where your home is.

Curtailment Costs
Travel costs necessarily incurred to return you home before the booked return date and a pro-rata amount representing the total pre-paid or contracted costs of accommodation, car hire and excursions attributable to each complete day which is consequently foregone. This pro-rata refund excludes all costs attributable to the outward and return travel tickets, whether used or unused.

Excess
Where applicable, the excess is the first amount of the claim for each person, each section and each incident which is payable by you. The excess amounts are shown in the Schedule of Benefits in Part 1.

Golf Equipment
Golf clubs, golf bags, non-motorised trolleys and golf shoes.

Hazardous Sports and Leisure Activity (ies)
Any activity not defined within the acceptable sports & activities or wintersports definitions.
The following activities are considered to be hazardous sports and leisure activities. You will only be covered whilst participating in this hazardous sports and leisure activities, if you have paid the appropriate additional premium before your trip commenced and the activity is shown on your certificate.

We will not:

• Cover any child aged under 10, who is not supervised by an insured adult when participating in a hazardous sport & leisure activity; or
• Cover any person aged 66 or over, who is participating in a hazardous sport & leisure activity; or
• Provide any cover if you receive any financial reward or gain as a result of you participating in hazardous sports & leisure activities; or
• Pay any personal liability claim, which arises directly or indirectly from, a result of you participating in hazardous sports & leisure activities.

Category 2 activities
The following activities are included when the appropriate additional premium has been paid and when participating on an amateur basis:
Boxing training (no contact), Bungee jumping (up to 3 jumps), camel riding, cave rafting, cycle touring, dinghy sailing (competitive), dog sledging, elephant riding, flying as passenger in a private plane helicopter or light aircraft, go karting, gymnastics, hiking (between 2,000 and 4,000 metres altitude), hockey, horse riding and pony trekking (over 7 days but not horse jumping, hunting on horseback, polo on horseback), hot air ballooning (non-UK organised), hydro zorbing, kayaking, lacrosse, manual work up to heights of 3 metres (excluding the use of mechanical machinery), martial arts (training only), use of motorcycles over 50cc, mountain biking (excluding downhill or extreme riding), 4x4 off-roading, quad biking, rugby, safari (non-UK organised and not involving the use of firearms), scuba diving between 15 and 30 metres in depth (provided you hold the relevant qualifications), sea canoeing, snow mobiling, surfing (over 14 days, amateur), trekking (between 2,000 and 4,000 metres altitude).

Category 3 activities
The following activities are included when the appropriate additional premium has been paid and when participating on an amateur basis:
Abseiling, american football, gliding, outdoor endurance events, sailing (outside territorial waters), sand boarding, sand yachting, white water canoeing, white water rafting (grade 5 to 6 inclusive), yachting (racing / crewing) – outside territorial waters.

Category 4 activities
The following activities are included when the appropriate additional premium has been paid and when participating on an amateur basis:
Animal riding (other than specified), bmx cycling, bob sleighing, canyoning, heli-skiing, horse jumping (not hunting on horseback, polo on horseback) , ice hockey, land yachting, luging, off-piste skiing, scuba diving between 30 and 40 metres in depth (provided you hold the relevant qualifications) skateboarding, ski blading, trekking/hiking (between 4000 and 6000 metres altitude), wrestling.

Home
Your usual place of residence in the United Kingdom.

Loss of Sight
The complete and irrecoverable loss of sight of one or both eyes.

Part 3

Loss of Limb(s)
Loss by physical severance of a hand at or above the wrist or a foot at or above the ankle.

Material Fact
Any fact which is known to you, which is likely to influence the underwriter in the acceptance or assessment of this insurance.

Medical Practitioner
A registered practicing member of the medical proffession who is not related to you or any person with whom you are travelling.

Permanent Total Disablement
Disablement which, from the moment of accident, entirely prevents you from attending to any business or occupation of any and every kind and which lasts 12 calendar months and, at the expiry of that period, is, in the opinion of the underwriter's Medical Advisors, beyond expectation of improvement.

Personal Effects
Luggage, clothing, valuables and personal items which are owned by you and have been either taken or purchased on the trip.

The following items are not considered to be personal effects:
Antiques, any property held or used for any business or professional purposes, audio & visual equipment of any kind, bicycles, binoculars, bonds, camcorders, cassettes and cassette players, cellular phones, cheques, compact discs and compact disc players, computer and telecommunication equipment of any kind, computer games, contact or corneal lenses, coupons, cash, diving equipment, documents of any kind, furs, golf and ski equipment, MP3 players, musical instruments, radios, securities, spectacles, stamps, sunglasses, tape recorders, television sets, travellers cheques, video equipment, video games.

Pre-existing Medical Condition
A medical condition known to you which has been suffered or for which medication, advice or treatment has been received within 9 months prior to the date of application.

Public Transport
A train, bus, coach, ferry service, or scheduled flights (non-internal) running to a published timetable to join the booked travel itinerary.

Relative
Brother, brother-in-law, Common-Law Partner, daughter, daughter-in-law, fiancé(e). grandchild,
legal guardian, parent, parent-in-law, sister, sister-in-law, son, son-in-law, or spouse who live in your
country of residence.

Resident
You are a resident of the UK. To be a resident, your main residence must be in your country of
residence and you must must be registered with a medical practitioner in the UK and you must
not have been abroad for more than 6 months in the last year.

Self Drive Holidays
A holiday, the itinerary of which does not include transportation by means of public transport, or by
means of the services of other privately owned coach/tour operators.

Serious Illness or Injury
Any illness or injury which:

• restricts your mobility; or
• results in you being a patient in hospital for more than 48 hours.

Severe Weather
Weather of such severity that the Police (or appropriate authority) warn by means of public communications networks (including but not limited to television or radio) that is unsafe for individuals to attempt to travel via the route originally envisaged by you, or by any resonable alternative route.

Single Item
Any one article, pair, set or collection.

Ski Equipment
Skis, ski sticks, ski bindings, ski boots, snowboard, snowboard bindings and snowboard boots.

Ski Pack
Shall mean: Your ski pass and hire or tuition fee.

Sports Equipment
Those items which are usually worn, carried, used or held during the participation of a sporting activity. This excludes ski and golf equipment.

Trip, Trip duration
A journey which begins when you leave to commence your trip and ends on your planned return, during the period of insurance, to either:

1. Your home, or
2. The place at which you are temporarily residing, or
3. A hospital or nursing home in the UK following your repatriation.

UK, United Kingdom
England, Wales, Scotland, Northern Ireland, the Channel Islands and the Isle of Man.

Underwriter
UK Underwriting Limited on behalf of AXA Insurance UK plc.

Us, We, Our
Acumus Insurance Solutions Limited.

Valuables
Animal skins, articles made of or containing gold, silver or other precious metals, cameras, jewellery, leather goods, photographic equipment, precious or semi-precious stones, silks, telescopes, watches.

Wintersports
Guided cross country skiing, mono skiing, off-piste skiing or snowboarding, recreational racing, skiing, snow boarding and snow sledging.

Wintersports does not include:
Freestyle skiing, heli-skiing, ice hockey, luging, off-piste skiing or snowboarding in areas designated as unsafe by resort management, off-piste skiing or snowboarding where there is an avalanche warning in place, parapenting, ski acrobatics and stunting, ski bob racing, ski flying, ski jumping, ski racing or training, the use of skeletons or bobsleighs, snow mobiling and tobogganing.

You, your
Any person named on the certificate.

THE INSURANCE

SECTION A – CANCELLATION AND CURTAILMENT

What You Are Covered For:

The underwriter will pay, up to the amount shown in the Schedule of benefits in Part 1, for your proportion of the costs which you have paid or agreed to pay and which you cannot recover from any source, if it is necessary and unavoidable to cancel or cut short your trip as a result of:

(a) death, serious injury or illness, during the period of insurance of:

• you; or
• a person you are travelling with; or
• a relative; or
• a close business associate who lives in the United Kingdom; or
• a friend or relative who lives abroad with whom you are staying.

(b) you or the person you are travelling with:

• being required in the UK for jury service, as a witness in a Court of Law; or
• being under compulsory quarantine; or
• being required to be present by the Police, as a result of your home or their home or usual place of business in the UK suffering a burglary within 7 days of the start of your trip; or
• suffering accidental damage to your home or to your travelling companion's home within 7 days of the start of your trip; or
• being made redundant under current Redundancy legislation; or
• being pregnant and you or the person you are travelling with, are expected to give birth within 3 months of the booked start date or return date of your trip; or
• suffering any medical complications arising from pregnancy or childbirth prior to the 6th month; or
• being posted overseas or receiving emergency requirements of duty in the Armed Forces, Police, Fire, Nursing or Ambulance Services.

In addition, if you have booked a self drive holiday and it is necessary to cancel your trip as a result of your vehicle being involved in an accident within seven days of your intended trip duration, the underwriter will pay for your proportion of the costs which you have paid or agreed to pay and which you cannot recover from any source.

What You Are Not Covered For:

The underwriter will not pay for the following in addition to the general exclusions on page 6 in connection with claims made under section A:

• the excess as shown in the Schedule of benefits on page 1;
• any claim for curtailment which has not been approved by Primary Assist, prior to your return to the UK.
• any claim which is not supported by written medical confirmation and clinical reports from medical service providers as well as other proof of the happening of an event causing you to cancel or cut short your trip;
• any costs which you have paid or agreed to pay, if your trip is cancelled or curtailed for the following reasons:
• i) claims arising directly or indirectly as a result of a pre-existing medical condition relating to you, your travelling companion, a relative or close business associate of yours or your travelling companion, or the person with whom you have arranged to stay whilst on the trip.
• ii) the person whose medical condition giving rise to the claim:
     (a) is travelling for the purpose of having medical treatment during the trip duration; or
     (b) is travelling against the advice of a medical practitioner; or
     (c) has received a terminal prognosis by a registered doctor before taking out this policy; or
     (d) is on a hospital waiting list; or
     (e) is awaiting the results of medical investigations.
• iii) you have failed to have any recommended vaccines, inoculations or medications prior to your trip
• iv) you have failed to get the relevant passport or visa
• v) unlawful or criminal proceedings against you or a person you are travelling with
• vi) redundancy which is not notified during the period of insurance
• vii) any claims arising directly or indirectly from pregnancy if you or the person you are traveling with were pregnant when you took out this policy or booked this trip and where the pregnancy will exceed 26 weeks by the return date of the trip
• viii) medical complications arising from pregnancy or childbirth where prior medical complications have existed
• ix) your disinclination to travel, phobias, anxiety or stress
• x) your personal financial circumstances, other than you being made redundant after the issue date of the certificate
• xi) your late arrival at the airport or port after check in or booking in time
• any costs in respect of the following:
• i) any claims arising directly or indirectly from the cancellation or curtailment of travel arrangements in any way caused or contributed to by or on the order of any government, public or local authority including but not limited to any civil or federal aviation authority.
• ii) loss of air passenger duty
• iii) unused timeshare property, airmiles or other promotions of this nature
• iv) your loss of enjoyment of the trip, however caused
• v) your failure to advise us of any material fact prior to the issue of the certificate or prior to your departure on your trip
• vi) unused portions of your original ticket, where repatriation has been made
• vii) your travel expenses for you to return to the UK, if you do not already possess pre-paid return travel tickets
• viii) any cancellation or curtailment costs which the underwriter would not have had to pay, had you notified the travel agent, tour operator or provider of transport or accommodation immediately after you knew you would be cancelling or curtailing your trip
• ix) any repair costs to your private motor vehicle
• x) any claim resulting from you or a person you are travelling being posted overseas or receiving an emergency requirement of duty, following an act of terrorism, war or invasion.

SECTION B – MEDICAL AND TREATMENT EXPENSES

What You Are Covered For:

If you become ill or are injured during the trip, the underwriter will pay up to the amount shown in the Schedule of benefits in Part 1, for up to 12 months after the start date of the treatment for:

(i) Medical and treatment expenses

• reasonable and customary medical, surgical and hospital expenses incurred outside your country of residence
• emergency dental treatment for the relief of pain up to £400.

The underwriter reserves the right to repatriate, when in the opinion of the underwriters medical advisors, you are fit to travel.

(ii) Funeral and Repatriation expenses

If you die during the trip or one-way trip, the underwriter will pay up to £3,000 for the following:

• the funeral expenses in the country where your death occurs, or
• the cost of returning your body or ashes home

(iii) Travel and accommodation expenses

• reasonable additional travel and room only accommodation expenses incurred by you and one person travelling with you, as a result of you receiving medical advice from a registered doctor in attendance and the underwriter's medical advisors, that your originally planned return journey home to the UK is impossible due to medical reasons.

Part 4

What You Are Not Covered For:

The underwriter will not pay for the following in addition to the general exclusions on page 6 in connection with claims made under section B:

• the excess as shown in the Schedule of benefits in Part 1
• any costs or expenses, if you have not advised Primary Assist and received their agreement to these costs, in the event of you:

  a) dying, or
  b) incurring medical or treatment expenses above £300, or
  c) being involved in an accident, or
  d) being admitted to hospital, or
  e) curtailing your trip due to medical reasons; or
  f) missing your flight due to medical reasons

• any medical costs or expenses, if you are in Australia and you have not enrolled with Medicare
• claims arising directly or indirectly as a result of a pre-existing medical condition relating to you, your travelling companion, relative or close business associate of yours or your travelling companion or the person with whom you have arranged to stay whilst on your trip.
• any medical, hospital or treatment expenses in your country of residence or the country in which you are temporarily residing and commenced your trip from.
• any medical, hospital, treatment, funeral or repatriation expenses if you:

  a) have received a terminal prognosis by a registered doctor before taking out this policy, or
  b) are travelling for the purpose of obtaining medical treatment, or
  c) are travelling against the advice of a medical practitioner, or
  d) are on a hospital waiting list, or
  e) are awaiting the results of medical investigations

• any medical, hospital, treatment expenses, which in the opinion of the underwriter's medical advisors, are not essential or can be reasonably delayed until your return home to the UK
• any costs arising from you arranging a single or private accommodation room in a hospital, clinic or nursing home
• claims arising directly or indirectly from pregnancy, if:

  a) you were pregnant when you took out this policy or booked this trip and were therefore aware that the pregnancy will exceed 26 weeks by the return date of the trip, or
  b) you have had complications in any previous pregnancy
  

• dental treatment which is not for the purpose of relieving immediate pain or suffering
• any medical, hospital or treatment expenses, which have not been authorised at the time by a recognised registered medical practitioner
• any medical, hospital or treatment expenses, which you have incurred after:

  a) you have refused the offer of repatriation when, in the opinion of the underwriter's medical advisors, you are fit to travel
  b) the underwriter has repatriated you to your final destination, rather than the UK, during your one-way trip
  

• any physiotherapy or associated treatment costs, if they are not part of an on-going treatment programme for a serious injury, which in the opinion of the underwriter's medical advisors, cannot be reasonably delayed until your return home
• non continuous treatment
• any upgrades from economy class travel, unless the underwriters medical advisors specify this necessary on medical grounds
• any costs or expenses if you do not have a pre-paid return ticket to the UK, or the country in which you are temporarily residing, at the start of your trip
• any medication or drugs which you know you will need at the start of the trip
• the cost of any treatment or surgery, including exploratory tests, which are not directly related to the illness or injury, for which you went into hospital or clinic abroad
• loss or damage to dentures, artificial limbs, hearing aids, contact or corneal lenses or prescription spectacles
• any repatriation expenses to the UK, if you are travelling on a one way trip and your final destination is nearer.

SECTION C – HOSPITAL BENEFIT

What You Are Covered For:
The Underwriter will pay you the amount shown in the Schedule of benefits for each and every completed period of 24 hours for which you are an in-patient in a hospital, as a direct result of an accidental injury or illness which is covered under Section B.

SECTION D – PERSONAL EFFECTS AND BAGGAGE, TRAVEL DOCUMENTS AND DELAYED BAGGAGE

What You Are Covered For:

(a) Personal effects and baggage
The underwriter will pay for accidental loss, theft of or damage to your personal effects, up to the amount shown in the Schedule of benefits in Part 1.

(b) Travel Documents
The underwriter will pay for any reasonable expenses you incur, whilst obtaining replacement passports, green cards, visas, accommodation vouchers and petrol coupons or travel tickets which have been lost or stolen during the trip, up to the amount shown in the Schedule of benefits in Part 1.

(c) Baggage delay
The underwriter will pay for the purchase of essential items, up to the amount shown in the Schedule of benefits in Part 1, if your personal effects are delayed or lost in transit on your outward journey for more than 24 hours.

What You Are Not Covered For:

The underwriter will not pay for the following in addition to the general exclusions on page 6 in connection with claims made under section D:

• the excess as shown in the Schedule of benefits in Part 1
• claims for theft of your personal effects and baggage if you have not notified the Police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
• more than £50 per single item, up to a maximum of £150 in total for any one claim, if you are unable to provide the original receipt, proof of purchase or an insurance valuation which was obtained prior to the loss
• any claim if the loss, damage or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
• wear, tear, or depreciation
• loss, theft or damage arising from the delay, detention, seizure or confiscation by Customs or other officials
• damage caused by the leakage of powder or liquid carried within your personal effects or baggage
• any breakage of fragile articles, unless the breakage is caused by fire or an accident involving the vehicle in which you are being carried
• claims arising for loss, theft or damage to:

  a) prams or buggies, or
  b) wheelchairs, or
  c) motor vehicles, or
  d) marine equipment, or
  e) diving equipment, or
  f) watercraft, surfboards, sailboards or their related accessories, or
  g) other equipment or fittings of any kind
  

• damage to, or loss or theft of your personal effects or baggage, if they have been left:

  a) unattended in a place to which the general public has access
  b) in the custody of a person who does not have an official responsibility for the safekeeping of the property
  c) in an unattended motor vehicle, unless they have been taken from a locked boot between 8am-8pm local time and there is evidence of forced entry, which is confirmed by a Police report
  

• loss or damage to sports equipment, whilst in use
• loss, theft or damage to anything being shipped as freight under a Bill of Lading, dentures, bridgework, artificial limbs, hearing aids of any kind, or items being carried on a vehicle roof rack
• loss, theft or damage to valuables, which at the time of such loss, theft or damage were located in checked-in luggage or an unattended motor vehicle
• any claim for baggage delay if you cannot supply receipts for the essential items purchased and written confirmation from the carrier as to the length of delay.
• loss, theft or damage arising from:

  a) mechanical or electrical breakdown
  b) moth or vermin
  c) processes or cleaning, restoring or repairing
  

SECTION E – PERSONAL MONEY

What You Are Covered For:

The underwriter will pay for the loss or theft of your cash and travellers cheques which occurs within 72 hours prior to travel and during your trip, up to the amount shown in the Schedule of benefits in Part 1.

What You Are Not Covered For:

The underwriter will not pay for the following in addition to the general exclusions on page 6 in connection with claims made under section E:

• the excess as shown in the Schedule of benefits in Part 1
• any loss or theft of money if you have not notified the Police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
• any claim, if the loss or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
• any loss, if you have not taken reasonable steps to prevent a loss happening
• loss or theft of money that is:
• not on your person; or
• not deposited in a safe, safety deposit box or similar locked fixed container in your trip accommodation
• loss or theft of travellers cheques, if the issuer provides a replacement service
• depreciation in value, currency changes, shortage caused by any error or omission, loss or damage arising from delay, seizure, confiscation or detention by Customs or other officials.

SECTION F1 & F2 – TRAVEL DELAY AND HOLIDAY ABANDONMENT

What You Are Covered For:

F1) Travel Delay
The underwriter will pay you the amount shown in the Schedule of benefits in Part 1, if your planned:

• First outward flight, rail, coach or sea trip on your scheduled departure, or
• Final outward flight, rail, coach or sea trip on your scheduled return is delayed for 12 hours or more.

F2) Holiday abandonment
The underwriter will pay, up to the amount shown in the Schedule of benefits in Part 1, for travel and accommodation expenses which you have paid or have contracted to pay and which you cannot recover from any source, if your holiday or journey is necessarily cancelled following a delay of 24 hours or more from the scheduled departure time.

Alternatively, in respect of Self Drive Holidays the benefits described in F1 and F2 shown above will become payable if you are delayed for at least twelve hours from travelling in your own vehicle either to or from the Self-Drive Holiday destination specified in the booking confirmation supplied to you due to:

• Severe Weather, or
• accidental damage to the self-driven Vehicle, including towed caravans, that occurs en route to the self-drive destination and where repairs cannot be effected within twelve hours of the accident.

What You Are Not Covered For:

The underwriter will not pay the following in addition to the general exclusions in Part 6 in
connection with claims made under section F1 & F2:

• the excess as shown in the Schedule of benefits in Part 1
• any compensation if you have not got written confirmation from the airline, railway or shipping company or their handling agents, which shows the reason for the delay or cancellation of your holiday, the scheduled departure time and the actual departure time of your flight, rail journey or sailing, if applicable.
• any delay which is due to strike or industrial action which had started or was announced before you took out this policy.
• compensation under both the ‘travel delay' and ‘holiday abandonment' sections of this policy.
• any claims arising directly or indirectly from the delay of travel arrangements in any way caused or contributed to by or on the order of any government, public or local authority including but not limited to any civil or federal aviation authority.
• your failure to check-in according to the itinerary supplied to you

SECTION G – MISSED DEPARTURE

What You Are Covered For:

The underwriter will pay you, up to the amount shown in the Schedule of benefits in Part 1, for reasonable additional accommodation and travel expenses, if you arrive at:

• your last departure point from the UK or the country in which you are temporarily residing, or
• the last departure point for your return journey to the UK or the country in which you are temporarily residing,
• too late to board your booked flight, train or sailing, as a result of the following:

  a) Scheduled public transport services failing to get you to your destination in time due to strike, industrial action, adverse weather conditions or mechanical breakdown, or
  b) The private motor vehicle in which you are travelling suffering from mechanical breakdown or failure, or
  c) The private motor vehicle in which you are travelling being directly involved in a road traffic accident, which resulted in mechanical breakdown or failure.
  

Part 5

What You Are Not Covered For:

The underwriter will not pay the following in addition to the general exclusions in Part 6 in
connection with claims made under section G:

• the excess as shown in the Schedule of benefits in Part 1
• any upgrade in accommodation
• any claim arising as a result of you not having taken reasonable steps to complete the journey to the departure point on time
• any claim, if the adverse weather, strike or industrial action was in existence or publicly declared before you started your journey to the departure point
• any claim in respect of mechanical breakdown or failure, if your private motor vehicle, has not been properly serviced and maintained
• any repair costs to your private motor vehicle
• any claims for vehicle breakdown or failure, which are not substantiated by a written report from a rescue service or garage
• any claim arising from missed connecting flights.

SECTION H – PERSONAL ACCIDENT

What You Are Covered For:

The underwriter will pay you or your estate a lump sum, as shown in the Schedule of benefits in Part 1, if you suffer bodily injury as a result of an accident during your trip which causes:

• your death, or
• permanent loss of one or more limbs by physical separation at or above the wrist or ankle, or
• permanent loss of all sight in one or both eyes, or
• permanent total disablement from carrying out your usual occupation within 12 calendar months from the date of the accident.

What You Are Not Covered For:

The underwriter will not pay for the following in addition to the general exclusions in Part 6 in connection with claims made under section H:

• any benefit if you cannot prove to the underwriter that the permanent total disablement has continued for 12 months from the date of the injury and in all probability will continue for the remainder of your life
• more than one lump sum under this section.

SECTION I – PERSONAL LIABILITY

What You Are Covered For:

The underwriter will pay for your legal liability inclusive of all associated legal fees and costs, in total up to the amount shown in the the Schedule of Benefits in Part 1, for any event which relates to an incident caused by you during the trip or one way trip, which results in:

• injury, illness or disease to another person
• loss or damage to property which does not belong to you, any member of your family or anyone in your service and is not in the custody, control or care of you, any member of your family or anyone in your service.

What You Are Not Covered For:

The underwriter will not pay for the following in addition to the general exclusions in Part 6 in connection with claims made under section I:

• the excess as shown in the Schedule of benefits in Part 1
• claims arising directly or indirectly from, happening through or in consequence of:
  • contractual liability, employers liability, or liability to a member of your family, anyone in your service, your travelling companion's family or to your travelling companion; or
  • animals belonging to you, or in your care, custody or control; or
  • wilful, malicious or unlawful acts , criminal acts or assault; or
  • the ownership, possession or use of firearms or weapons of any kind; or
  • the pursuit of trade, business or profession; or
  • ownership, possession, use or occupation of land or buildings (other than occupation only of any temporary residence); or
  • the influence of intoxicating liquor or drugs; or
  • claims arising directly or indirectly from, happening through or in consequence of ownership, possession or use of any motorised or mechanical vehicle (including attached trailers or caravans), automobile, aircraft, watercraft or vessel, or any mechanically propelled conveyance; or
  • claims for legal fees and costs resulting from any criminal proceedings.
• any liability, injury, loss or damage arising directly or indirectly from or due to ownership, possession or use of any firearms or weapons of any kind
• any liability arising in respect of any wilful or criminal act or assault
• any liability, injury, loss or damage arising directly or indirectly from or due to any animals belonging to you or in your care, custody or control.

SECTION J – LEGAL EXPENSES

What You Are Covered For:

The underwriter will pay, up to the amount shown in the Schedule of benefits in Part 1, for legal costs and expenses incurred in pursuing legal proceedings against third parties for compensation and damages arising from or out of your death, serious illness or personal accident during your trip.

What You Are Not Covered For:

The underwriter will not pay for the following in addition to the general exclusions in Part 6 in connection with claims made under section J:

• the excess as shown in the Schedule of benefits in Part 1
• any costs or expenses which have been incurred without prior approval of the underwriter
• any claim where the underwriter considers your prospect of success in achieving a reasonable benefit to be insufficient
• any claim emerging from the pursuance to a contingent fee agreement between you and your counsel
• any claim for travel and accommodation expenses which you have incurred whilst pursuing legal action
• any claim arising from you pursuing legal proceedings as part of and (or) on behalf of a group or organisation
• any claim for legal costs where you are pursuing a legal action against Jet2.com, Jet2holidays.com, the underwriter, Acumus Insurance Solutions Limited, Primary Assist or any other Primary Group Company
• any claim against any member of your family or travelling companion.
• any claim for legal costs where you are pursuing legal action relating directly or indirectly to medical negligence or alleged medical negligence
• pursuing claims as part of or on behalf of a group or organisation.

SECTION K – FLIGHT DISRUPTION

What You Are Covered For:

The underwriter will pay, up to the amount shown in the Schedule of benefits in Part 1 in respect of airport docking costs in the event that your outward or return Jet2.com flight is unavoidably redirected, mid flight, due to your death, injury or illness as certified by a registered medical practitioner that occurs during the Period of Insurance.

A claim under this Section must be supported by written confirmation from the attending doctor of the nature of the injury or illness which necessitated the redirection of the flight, along with the Jet2.com invoice sent to you in respect of the docking costs.

What You Are Not Covered For:

The underwriter will not pay for the following in addition to the general exclusions in Part 6 in connection with claims made under section K:

• any claim arising directly or indirectly from your disinclination to travel, fear of flying, anxiety, stress or panic attacks
• any claim arising from alcoholism, intoxicating drink or drugs (other than drugs taken in accordance with treatment prescribed and directed by a registered medical practitioner, but not for drug addiction.)

If you have purchased a wintersports single trip policy or an annual wintersports policy and the cover is shown on your certificate or booking invoice, cover sections L-P inclusive apply:

WINTERSPORTS COVER

SECTION L – SKI EQUIPMENT

What You Are Covered For:

The underwriter will pay, up to the amount shown in the Schedule of benefits in Part 1, for accidental loss, theft of or damage to ski equipment, which is owned or hired by you. If you own the ski equipment, the underwriter will take off the following amounts for wear and tear:

AGE OF SKI EQUIPMENT	DEDUCTION
Up to 1 year old	10% of purchase price
1 to 2 years old	30% of purchase price
2 to 3 years old	50% of purchase price
3 to 4 years old	70% of purchase price
4 to 5 years old	80% of purchase price

What You Are Not Covered For:

The underwriter will not pay for the following in addition to the general exclusions in Part 6 in connection with claims made under section L:

• the excess as shown in the Schedule of benefits in Part 1
• claims for ski equipment which is owned by you, if it is over five years old
• more than your liability for the loss or damage to any hired ski equipment
• any claim for loss or theft of ski equipment, if you have not notified the Police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
• any claim, if the loss or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
• than £50 per single item, up to a maximum of £200 in total for any one claim, if you are unable to provide the original receipt, proof of purchase or an insurance valuation which was obtained prior to the loss
• claims arising from delay, detention, seizure or confiscation by Customs or other officials
• claims for loss, theft or damage to anything being shipped as freight or under a Bill of Lading
• damage to, or loss or theft of ski equipment, if it has been left:
• unattended in a place to which the public have access; or
• left in an unattended motor vehicle; or
• in the custody of a person who does not have an official responsibility for the safekeeping of the property.

SECTION M – SKI HIRE

What You Are Covered For:

If your own ski equipment is:

• lost, stolen or damaged; or
• misdirected or delayed in transit by more than 12 hours

the underwriter will pay for the cost of hiring you the necessary ski equipment for each 24
hour period you are without your own ski equipment, up to the amount shown in the
Schedule of benefits in Part 1.

What You Are Not Covered For:

The underwriter will not pay for the following in addition to the general exclusions in Part 6 in connection with claims made under section M:

• any claim for loss or theft of your own ski equipment if you have not notified the Police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
• any claim, if the loss or theft of your own ski equipment occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
• claims arising from your own ski equipment being delayed, detained, seized or confiscated by Customs or other officials
• claims for loss or theft of, or damage to your own ski equipment, whilst being shipped as freight or under a Bill of Lading
• damage to, or loss or theft of your ski equipment, if it has been left:

  a) unattended in a place to which the public have access; or
  b) in an unattended motor vehicle; or
  c) in the custody of a person who does not have an official responsibility for the safekeeping of the property.

SECTION N – SKI PACK

What You Are Covered For:

If you are unable to use your ski pass, tuition or ski hire due to:

• being involved in an accident; or
• your sickness; or
• the loss or theft of your ski pass; or
• curtailment of your holiday for the reason specified under Section A

the underwriter will pay you, up to the amount shown in the Schedule of benefits in Part 1, for the proportionate value of any unused ski pass, ski hire or tuition fee.

Part 5

What You Are Not Covered For:

The underwriter will not pay for the following in addition to the general exclusions on page 6 in connection with claims made under section N:

• any claim, if the loss or theft of your ski pass is not notified to the Police within 24 hours of its discovery and you have obtained a written report, which includes the crime reference number.
• any claim, if the loss or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
• loss or theft of your ski pass, if it was left:
  
  • unattended in a place to which the public have access; or
  • in an unattended motor vehicle; or
  • in the custody of a person who does not have an official responsibility for the safekeeping of the property
• claims arising directly or indirectly as a result of your pre-existing medical condition.
• claims arising from a medical condition which is not substantiated by a report from the treating doctor, confirming your inability to ski
• claims for loss of enjoyment, however caused.

SECTION O – PISTE CLOSURE

What You Are Covered For:

The underwriter will pay a benefit, as shown in the Schedule of benefits in Part 1, if you are unable to ski for a continuous period in excess of 12 hours, due to a lack of snowfall or adverse weather conditions during the months of December to March inclusive, at your pre-booked wintersports resort.

What You Are Not Covered For:

The underwriter will not pay for the following in addition to the general exclusions in Part 6 in connection with claims made under section O:

• any benefit, if you are not skiing in a pre-booked wintersports resort which is 1,000m above sea level
• any benefit, if you are unable to provide a report from the resort management substantiating your claim
• any benefit, if an alternative resort is available
• any benefit, if the piste closure was in existence prior to your arrival in your pre-booked wintersports resort
• claims for loss of enjoyment, however caused.

SECTION P – DELAY DUE TO AVALANCHE

What You Are Covered For:

If your outward or return journey is delayed by at least 12 hours beyond the scheduled departure time as a direct result of an avalanche in your pre-booked wintersports resort, the underwriter will pay you an amount, as shown in the Schedule of benefits in Part 1, for additional travel and accommodation expenses.

What You Are Not Covered For:

The underwriter will not pay for the following in addition to the general exclusions in Part 6 in connection with claims made under section P:

• the excess as shown in the Schedule of benefits in Part 1
• any claim, if you are unable to provide a report from the resort management substantiating your claim
• compensation under sections F1, F2 and G.

EXCLUSIONS WHICH APPLY TO ALL SECTIONS OF THE INSURANCE

The underwriter is not responsible for any claims arising:

1. which are claims in any way caused or contributed to by:

   i) the failure of; or
   ii) the fear of the failure of; or
   iii) the inability of

   any equipment or any computer programme to recognise, interpret correctly or process any date as its true calendar date or to continue to function correctly beyond that date (except claims under sections, B, C and H).
2. which are directly or indirectly caused by, occasioned by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the claim:
• act of terrorism; or
• nuclear detonation, reaction, nuclear radiation or contamination, howsoever such nuclear detonation, reaction, nuclear radiation or radioactive contamination may have been caused; or
• war, invasion or warlike operations (whether war be declared or not), hostile acts of sovereign or government entities, civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power or martial law or confiscation by order of any government or public authority; or
• seizure or illegal occupation; or
• confiscation, requisition, detention, legal or illegal occupation, embargo, quarantine, or any result of any order of public or government authority which deprives you of the use or value of your property, nor for loss or damage arising from acts of contraband or illegal transportation or illegal trade; or
• discharge of pollutants or contaminants, which pollutants and contaminants shall include but not limited to any solid, liquid, gaseous or thermal irritant, contaminant or toxic or hazardous substance or any substance the presence, existence or release of which endangers or threatens to endanger the health, safety or welfare of persons or the environment; or
• chemical or biological release or exposure of any kind; or
• attacks by electronic means including computer hacking or the introduction of any form of computer virus; or
• threat or hoax, in the absence of physical damage due to an act of terrorism; or
• any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism
3. from you travelling against Foreign Office advice or where it is deemed unsafe for you to travel
4. from loss or destruction of, or damage to any property whatsoever, or any loss or expense whatsoever resulting in or arising therefrom, or any consequential loss or any legal liability of whatsoever nature, directly or indirectly caused by or contributed to, or arising from:
• ionising radiation or contamination by radioactivity from any nuclear fuel, or from any nuclear waste from burning of nuclear fuel, or
• the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof
5. from you engaging in any illegal or criminal act
6. from any consequential loss whatsoever (claims shall only be paid for those losses which are specifically stated under the terms of this policy, except as provided in Section D, relating to loss of travel documents)
7. directly or indirectly out of your financial incapacity
8. which, but for the existence of this policy, would be covered under any other
• insurance policy (policies), including any amounts recovered by you from private health insurance; or
• EHIC payments; or
• any reciprocal health agreements; or
• airlines; or
• hotels; or
• home contents insurers; or
• any other recovery by you, which is the basis of a claim
9. from the tour operator, airline or any other company, firm or person either becoming insolvent or being unable to or unwilling to fulfil any part of their obligation
10. from your death, serious injury or illness as a result of participating in:
    • a hazardous sport & leisure activity whilst on your trip, unless you have paid the additional premium prior to travel and cover is confirmed on your certificate.
    • wintersports, if you have not paid the additional premium before your trip departure and it is not shown on your certificate.
    • any of the above, if you are receiving any personal financial reward or gain during the period of insurance, unless we have agreed to this and you have paid the appropriate additional premium
11. from:
    • wilful, self inflicted injury or illness; or
    • committing or attempting to commit suicide; or
    • wilful exposure to danger, except in an attempt to save a human life; or
    • solvent abuse; or
    • being under the influence of alcohol or drugs, except those prescribed by a registered Doctor and not those drugs prescribed for drug addiction; or
    • a failure to obtain any recommended vaccines, inoculations or medications prior to your trip departure; or
    • sexually transmitted diseases; or
    • Acquired Immune Deficiency syndrome (AIDS); or
    • HIV or diseases connected to AIDS
12. from anxiety, stress or depression which result in in-patient treatment; except where previously undiagnosed at the time you took out this policy
13. from you entering into, exiting from an aircraft or descending from an aircraft; which is not a fully licensed passenger carrying aircraft; in which you are travelling as a passenger or a member of the crew for the purpose of undertaking any trade or technical operation therein or thereon
14. from your wilful exposure to peril. You must exercise reasonable care to prevent illness, injury or loss or damage to your property as if uninsured
15. directly or indirectly from you being engaged in any employment during your trip
16. which have not been proven and the amount of the claim substantiated
17. claims for loss of enjoyment, however caused.
18. from you riding a motorcycle over 50cc

CONDITIONS WHICH APPLY TO YOUR WHOLE POLICY

1. All material facts must be disclosed to the underwriter at the time of taking out this policy. Failure to do so, may result in the underwriter's non-liability for claims. If you are in any doubt as to whether a fact is ‘material', then for your own protection, it should be disclosed. All information provided in purchasing this insurance, shall form the basis of the contract. You should keep a record (including copies of letters) of all information provided to your issuing agent for the purpose of entering into this contract.
2. You must be a resident of the UK at the time of taking out this policy and intend to return to either the:
   • UK or
   • Country in which you are temporarily residing
   within the trip duration, unless you have arranged a one-way trip.
3. The underwriter will not consider any claim where you:
   • have failed to disclose a material fact; or
   • have a pre-existing medical condition or have not paid the additional premium to cover the pre-existing medical condition that was require by the underwriter before your trip departure date; or
   • are travelling against medical advice.
4. We will refund in full your premium if, within 14 days of the date of issue, you decide it does not meet your needs, as long as you have not commenced your trip. No refund in premium will be given after this period, unless you have an annual multi trip policy and the underwriter is invoking the cancellation of that policy.
5. Whilst participating in any hazardous sport & leisure activity, you must take reasonable care at all times to ensure your own safety and the safety of those around you. Such reasonable care involves following the directions of any instructor and (or) expedition leader and following the normal and reasonable safety procedures suggested or recommended by the recognised controlling body of the sport or activity concerned, or the safety procedures commonly exercised in pursuing the sport or activity in question at all times.
6. You or your legal representative's must provide the underwriter with all certificates, information and evidence they require and in the format they require.
7. You must, as often as required, agree to a medical examination on behalf of the underwriter at your expense.
8. In the event of your death, the underwriter shall be entitled to have a post-mortem examination at their own expense.
9. Any items which become the subject of a claim for damage, must be retained for the underwriter's inspection and shall be forwarded to their Agent's upon request at your or your legal personal representative's expense. All such items shall become the property of the underwriter following final settlement of the claim.
10. In the event of any occurrence which may give rise to a claim under this policy, you must take all reasonable steps to minimise any loss arising out of such a claim.
11. You must submit any claim to the underwriter within 31 days of the incident.
12. This insurance is non-transferable. No premium will be refunded, either in full or on a pro-rata basis, after the expiry of the money back guarantee.
13. This certificate shall be governed by and construed in accordance with the Law of England and Wales unless the certificate holder’s habitual residence (in the case of an individual) or central administration and/or place of establishment is located in Scotland in which case the law of Scotland shall apply.
14. The underwriter may, at its own expense, take proceedings in your name to recover compensation or secure an indemnity from any third party in respect of any loss or damage covered by this insurance and any amount so recovered shall belong to the underwriter.
15. In the event that you recover, by any means, damages from any third party in respect of personal accident in the circumstances defined in section H, all benefits paid to you under section H shall be repaid to the underwriter.
16. If any fraudulent claim is made or if any fraudulent means or devices are used to obtain any benefit under this policy, all benefits thereunder and premiums paid shall be forfeited.
17. If at the time of loss, damage or liability covered under this policy, you have any other insurance or guarantee which covers the same loss, damage or liability, the underwriter will only pay a rateable share of the claim.

Part 6

COMPLAINTS PROCEDURE

It is the intention to give you the best possible service but if you do have any questions or concerns about this policy or the handling of a claim you should in the first instance contact the Complaint’s Officer. The contact details are:

Complaints Officer
Jet2.com Travel Insurance
PO Box 132
Leeds
LS10 9BT

Tel: 0845 218 7185
Fax: 0845 218 7192
Email: info@tpsltd.com

Please ensure your policy number is quoted in all correspondence to assist a quick and efficient response.
In the event you remain dissatisfied and wish to make a complaint, you can do so by contacting the following:

The Head of Claims
UK Underwriting Ltd
2 Gibraltar House
Bowcliffe Road
Leeds
LS10 1HB

If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service. This also applies if you are insured in a business capacity but have a group annual turnover of less than £1 million, or are a charity with an annual income of less than £1 million, or are a trustee of a trust with a net asset value of less than £1 million.  You may contact the Financial Ombudsman Service at:

Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
Docklands
London
E14 9SR
Tel: 0845 080 1800

Your statutory rights are not affected if you choose to follow the complaints procedure above.  For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau.

COMPLAINTS PROCEDURE

AXA Insurance UK plc are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations.  This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 100% of the first £2,000 and 90% of the remainder of the claim. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk.

Data Protection Act 1998

Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties.

© TPS and Jet2.com 2008