Exclusions

General

• Any claim if you are not a UK resident
• The fÂi£rst £40 - £40 of each claim with the exception of the liability, air rage, travel delay and personal accident/injury £ benefits
• Any expenses which you would have incurred in the normal course of your trip
• Any consequence arising directly or indirectly from the transmission of Human Immunodeficiency Virus (HIV) and/or any HIV related illness
• Any claim arising from suicide, self injury, alcohol or drugs or any wilful exposure to needless peril
• Any claim or expense of any kind caused directly or indirectly by war or terrorism, (this does not apply to section 8, air rage)

The following Dangerous Sports are excluded

base jumping; big foot skiing**; bobsleigh/skeleton/luge**; bouldering*; canyoning*; cliff diving; competitions*; expeditions or trekking*; free climbing; glacier crossing*; heliskiing**; hunting or shooting of any kind; ice caving; ice hockey**; motor rallying*; mountaineering or outdoor rock climbing*; overlanding*; piloting an aircraft*; polo*; power boating*; professional sports; safaris using guns; scuba diving over 30m*; ski acrobatics; skiing or snowboarding; ski jumping; ski stunting; snow mobiles/skidoos**; snow shoeing**; solo pot holing; solo rock climbing; solo sea sailing; speed skating*; stunt flying and aerobatics; tobogganing**; yachting out of territorial waters*

Globetrotter = if cover period over three months, skiing covered on an occasional basis.

Activities marked * can be covered by our Activity policy, and those marked ** by our Winter Sports policy

Medical and Personal Accident

Any claim relating directly or indirectly to:

• Pregnancy or childbirth
• Any treatment that could reasonably be delayed until your return home
• Cosmetic surgery, chiropratic treatment, osteopathy or vaccinations
• Any expenses incurred in the UK
• Mental or nervous illness
• If you travel against the advice of a medical practitioner
• Any condition for which diagnosis or treatment has been received during the previous 12 months

Luggage

• Money, except on the comprehensive policy
• Any single item worth more than £200 (essential) or £300 (comprehensive), and total valuables of £250 (essential) or £350 (comprehensive)
• Sports equipment in use
• Unattended valuables, unless left with a travelling companion
• Cycles and contact lenses

Liability

• Liability for any business or professional activity
• Any claim related to dangerous sports
• Control or use of motorised vehicles, watercraft or aircraft

Cancellation

You failing to allow sufficient time to reach your UK departure point

Hijack/Hostage

Claims for being a hostage unless you have been missing for more than 1 month