Silver Travel Insurance Terms - Pdf.coredownload 2

Silver Travel
Insurance Terms
1
Welcome
to Royal Bank of Scotland Silver Account Travel
Insurance Underwritten by AWP P&C SA
This booklet contains information you need to know about your travel insurance.
This booklet includes your policy. Keep the booklet safe for when you need
it and remember to take it with you when you travel. Over the next few
pages, you’ll find useful tips on what to do to make your travels safer and
how to make a claim.
Throughout these Terms ‘Silver Account’ refers to Select Silver Accounts and
Reward Silver Accounts.
The words in bold throughout the travel insurance terms and conditions
are defined terms. You can find the meaning of these words under the title
‘Definition of words’ within the travel insurance policy.
2
Contents
Important Contact Details 4
Important Information 5
Summary of Cover 9
Definition of Words 11
Upgrades and Endorsements 16
24-Hour Emergency Medical Assistance 17
Reciprocal Health Arrangements 18
Health Declaration and Health Exclusions 19
Sports & Leisure Activities 21
Section 1 – Cancellation 25
Section 2 – Cutting Short Your Trip 27
Section 3 – Emergency Medical and Associated Expenses 30
Section 4 – Loss of Passport or Driving Licence 32
Section 5 – Delayed Baggage 33
Section 6 – Baggage 34
Section 7 – Personal Money 35
Section 8 – Personal Accident 36
Section 9 – Missed Departure 37
Section 10 – Delayed Departure 37
Section 11 – Personal Liability 38
Section 12 – Legal Advice and Expenses 39
Section 13 – Winter Sports 40
Optional Extra Covers (upgrades) 42
Section 14 – Business Cover 42
Section 15 – Golf Cover 43
Section 16 – Wedding Cover 45
General Exclusions 47
General Conditions 49
Making a Claim 51
How to Complain 54
Data Protection Notice 55
Details About Our Regulator 57
3
Important Contact Details
The Allianz Assistance Hub
Accessing your policy information and maintaining it is made easier by using the Allianz
Assistance Hub. Here you will be able to view your policy documents, declare pre-existing
medical conditions, arrange and view your policy upgrades, submit an online travel claim
or find out useful information for your trip. The Allianz Assistance Hub can be securely
accessed through your banking app or by using Internet Banking.
The fastest and easiest way to contact us is by using the Allianz Assistance Hub but you can
also contact us as below.
Customer services:
(for general queries, purchasing an upgrade,
amendments, or policy cancellations) UK +44 (0)345 607 5154
Health declarations:
(to declare a medical condition or a change
in your circumstances) UK +44 (0)345 607 5154
24-hr Emergency assistance:
(for medical emergency, assistance
or curtailment requests) UK +44 (0)208 666 9277
24-hr Legal helpline: UK +44 (0)345 607 5154
Claims: UK +44 (0)345 607 5154
In a life or death situation call the emergency services in the country you are visiting for
example 112 within the European Union.
4
Important Information
About your policy
This is your travel insurance policy, which is evidence of the contract of insurance.
It contains details of cover, conditions and exclusions relating to each insured person
and is the basis on which all claims will be settled.
We will provide insurance under this policy, as amended by any upgrades and
endorsements, during the period of insurance.
This policy does not cover everything. Please check carefully all the policy details and any
upgrades and endorsements we have sent you to make sure they meet your needs.
You must take care to provide us with accurate information which is correct to the best
of your knowledge. If you think there is a mistake or you need to make changes, you should
notify us immediately. Failure to provide correct information or inform us of any changes
could adversely affect your cover. This could include invalidating your cover or any claims
you make being rejected or not fully paid.
How your policy works

Your policy will only be operational:
• while there is a valid Silver Account under which you are entitled to receive the benefit
of this policy;
• while you are aged under 70 years, unless you have bought an age extension upgrade;
• if you tell us about pre-existing medical conditions you wish to be covered for and
which we are able to cover for an additional premium. For any insured person aged 70
or over, and any insured person of any age with any medical conditions, you will need
to contact us to answer some medical questions. Any trip that had already been booked
before a new diagnosis was made will be covered but you must contact us to ensure
new trips are covered too following the new diagnosis;
• for trips lasting up to 22 days; and
• for trips that involve a planned return date to your home.
If you require confirmation of cover, we recommend that you use this policy and a bank
statement to show that you are entitled to this insurance. If you require further confirmation
please contact us allowing at least 10 working days. There may be an administration fee,
but we will tell you if there is.
5
Insurer
Silver Account travel insurance is underwritten by AWP P&C SA and is administered in the
United Kingdom by Allianz Assistance.
Cancellation rights
You are free to cancel this policy at any time by closing your Silver Account or by changing
it to another account type.
Refunds of any additional premiums you have paid to upgrade cover or to cover a
pre-existing medical condition will only be considered during the 14-day cooling-off
period after purchase. A refund will not be considered if you have travelled, made a claim
or intend to make a claim or if your request is received after the 14-day cooling-off period.
Demands and needs statement

This product meets the demands and needs of those aged under 70 years (or those
with an active age extension upgrade) who want to insure themselves against medical
emergencies, delayed or missed departures, cancellation, cutting a trip short, lost, stolen
or delayed possessions, loss of travel money and passport, personal accident, personal
liability and legal expenses when travelling.
Travel insurance does not cover everything. You should read this policy carefully to make
sure it provides the cover you need.
Governing law
You and we may choose which law will apply to this contract. Unless we agree otherwise:
If your address is in Scotland:
• Scottish law may apply between you and us: and
• The Scottish courts may have non-exclusive jurisdiction over disputes arising out of
this contract.
If your address is in England or elsewhere:
• English law applies between you and us; and
• The English courts shall have exclusive jurisdiction over disputes arising out of this
contract.
All communications between you and us will be in English.
Premiums, fees and charges

The cost of this insurance is included in the monthly fee for your Silver Account.
The only additional fees or charges for this insurance or related services are for optional
upgrades you purchase and/or any additional premiums that may be needed to cover
pre-existing medical conditions. These upgrades/additional cover can be purchased
directly from the insurer using the Allianz Assistance Hub, accessed through Internet
Banking or calling UK +44 (0)345 607 5154. All premiums include Insurance Premium Tax
(IPT) at the current rate.
6
United Kingdom residents
This policy only covers losses suffered whilst you are a United Kingdom resident and are
registered with a doctor in the United Kingdom.
Policy excess
Under some sections of this policy, you will have to pay an excess. This means that you will
be responsible for paying the first part of the claim for each insured person, for each section,
for each incident. The amount you have to pay is the excess.
Fraud prevention
To keep premiums low we do participate in a number of industry initiatives to prevent and
detect fraud. To help prevent crime we may:
1. Share information about you with other organisations including your bank and public
bodies including the police.
2. Share information about you within the Allianz Group and with other insurers.
3. Pass your details to recognised centralised insurance industry applications and claims
review systems (for example the Travel Claims Database) where your details may be
checked and updated.
4. Load your details and any information and documents you provide us to the Insurance
Fraud Register. This may affect future applications for insurance products.
5. Check your details with fraud prevention agencies and databases. If you give us false or
inaccurate information and we suspect fraud, we may record this with fraud prevention
agencies.
Automatic renewals
Cover under this policy will continue for as long as you remain eligible for cover. If you have
purchased any upgrades other than a pre-existing medical condition endorsement please
note the following:
When you purchase any optional upgrade, you provide consent to set up a continuous
payment authority. This means we are authorised to automatically renew your upgrade(s)
and apply for renewal payments from your account every year, even if your card has
expired, until you instruct us to stop.
We will contact you at least 21 days before the upgrade expiry date. As long as you remain
eligible for cover, we will automatically renew your upgrade(s), using the latest payment
details you provided to us. You will also be provided with a renewal invitation which you
should check to ensure all your details are still correct and relevant. If any changes are
required or you do not wish to renew your policy upgrade, you should let us know by
visiting the Allianz Assistance Hub, emailing [email protected] or calling
UK +44 (0)345 607 5154 or writing to Allianz Assistance, 102 George Street, Croydon,
CR9 6HD before your renewal date.
If you are no longer eligible for cover, we will not renew your upgrade. In all cases,
we will contact you before your renewal date to advise you what to do next.
Renewals for a medical condition

We cannot automatically renew your pre-existing medical condition endorsements even if
we have provided cover in the past. Please see the ‘Health declaration and health exclusions’
section on page 19 for more details on cover for pre-existing medical conditions.
We will contact you at least 21 days before your annual medical endorsement expiry date
to advise what to do next, but you will have to contact us by visiting the Allianz Assistance
Hub, emailing [email protected] or calling UK +44 (0)345 607 5154 if you wish
to renew your cover.
7
Changes to cover, terms or price
From time to time it may be necessary to make changes to your travel insurance policy.
When changes occur, you will be given at least 30 days’ notice in writing.
Any change to the benefits, terms, cover or exclusions, which restrict your cover or benefits
will not apply to any trip which began before the effective date of the change. All changes
will apply to any trips which commence after the effective date of the change, even where
a trip was booked before the effective date of the change.
If you do not wish to accept the change(s) that we intend to make to your insurance
policy, you can contact your bank account provider acting as our agent by using the
Silver Account Membership Services contact details shown on the back page of this
booklet. This will be treated as notice that you wish to close or switch your Silver
Account immediately.
Financial Services Compensation Scheme (FSCS)

You may be entitled to compensation from the Financial Services Compensation Scheme
(FSCS) should the insurer be unable to meet its liabilities.
This depends on the type of business and the circumstances of the claim. Insurance cover
provides protection for 90% of the claim, with no upper limit.
For further details please call the FSCS on 0800 678 1100 or UK +44 (0)207 741 4100 or visit
their website www.fscs.org.uk
Contracts (Rights of Third Parties) Act 1999

No part of this contract of insurance can be enforced by someone else under the Contracts
(Rights of Third Parties) Act 1999.
Changes to your insurance or to upgrade your cover

You must tell us immediately after booking your trip if any extra cover is required
(as outlined on page 16):
The additional benefit provided by any upgrade will only be valid for new events occurring
on or after the date you buy the upgrade. All upgrades must be bought before you depart
on a trip.
8
Summary of Cover
The following is only a summary of the main cover limits. You should read the rest of this
policy booklet for the full terms and conditions
Cover Limit (up to) Excess

1 Cancellation £5,000 £75
(if you have to cancel your trip)
2 Cutting short your trip £75
– Curtailment £5,000
– Unused trip costs £5,000
– Natural disaster £500
– Home care £250
3 Emergency medical and £75
associated expenses
Outside your home area £10 million
– Dental treatment £1,000
– In-patient benefit £1,000 (£50 per day)
– Funeral costs £7,500
– Emergency replacement medication £250
Within your home area £10,000
– Physiotherapy £350
4 Loss of passport or driving licence £750 No excess
5 Delayed baggage £650 No excess
(£100 after
4 hours; an
additional £150
after 12 hours;
and a further £400
after 48 hours)
6 Baggage £1,500 £75
– Single item, pair or set £300
– Valuables limit £500
7 Personal money £500 £75
9
8 Personal accident No excess
– Loss of limb or sight £25,000
– Permanent total disablement £25,000
– Death £25,000
9 Missed departure £1,000 £75

10 Delayed departure
– Delay (after 4 hours) £250 No excess
– Abandonment (from first departure point) £5,000 £75
– Extra pet board £200 (£10 per day) No excess
11 Personal liability £2 million £75

12 Legal advice and expenses £50,000 No excess
13 Winter sports cover
– Ski pack £150 per week No excess
– Winter sports equipment £400 £75
– Winter sports equipment hire £200 No excess
– Piste closure £660 (£30 per day) No excess
– Avalanche cover £200 No excess
Optional Extra covers (upgrades) Limit (up to) Excess

14 Business cover
– Business equipment & samples £3,000 £75
– Hiring replacement equipment £500 No excess
– Replacement business colleague £1,500 No excess
15 Golf cover
– Golf equipment £1,500 £75
– Hiring replacement golf equipment £250 No excess
– Cancellation or Cutting short your See sections See sections
trip extension 1 & 2 above 1 & 2 above
– Green fees £250 No excess
16 Wedding cover
– Wedding attire £1,500 £75
– Rings £250 £75
– Wedding gifts £1,000 £75
– Photographs and videos £750 £75
10
Definition of Words
When the following words and phrases appear in the policy document or policy schedule,
they have the meanings given below. These words are highlighted by the use of bold print.
This includes where plural versions of the words are used.
Accident – An unexpected event caused by something external and visible, which results in
physical bodily injury, leading to total and permanent loss of sight, total and permanent loss
of use of a limb or permanent total disablement or death, within a year of the incident.
Account holder – The person or people named on the records of Royal Bank of Scotland
as the holder of a Silver Account.
Additional Sports & Leisure activities – An activity or activities that you are not covered
for participating in, unless you have declared it to us and it has been accepted by us
in writing. Details of included sports & leisure activities and additional sports & leisure
activities are given on page 21 of this policy.
Anticipated event – Any event or occurrence which the insured person knew would occur
or could reasonably have been expected to cause a claim, at either the time the Silver
Account was opened or the trip was booked, whichever is later.
Appointed adviser – The solicitor or appropriately qualified person, firm or company,
including us, who is chosen to act for you in your claim for compensation.
Area of cover – The following countries and territories, which the insurer considers to be
‘Europe’ for the purpose of providing this cover:
Åland Islands, Albania, Algeria, Andorra, Armenia, Austria, Belarus, Belgium, Bosnia
and Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czechia, Denmark, Egypt,
Estonia, Finland, France, Georgia, Germany, Gibraltar, Greece, Holy See (Vatican City),
Hungary, Iceland, Ireland, Isle of Man, Israel, Italy, Kosovo, Latvia, Lebanon, Libya,
Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Morocco,
Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, Russia (west of Urals),
San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Syrian Arab Republic,
Tunisia, Turkey, Ukraine, United Kingdom.
Note:
You will not be covered if you do not follow any advice or recommendation made by any
of the following: the Foreign, Commonwealth and Development Office (FCDO), World
Health Organization (WHO) or any government or official authority at any destination
you are travelling from through or to. For further details on FCDO travel advice visit
gov.uk/foreigntravel-advice
Baggage – Personal possessions or valuable items.

Bank account provider – The bank which provides the account through which this travel
insurance policy is made available to you.
Business associate – Any person in your home country that you work closely with, whose
absence from work means that your employer needs you to cancel or curtail your trip to
ensure the effective continuation of the business.
Business equipment – Items owned by you or for which you are legally responsible and
that are used by you in support of your business activity, including (but not restricted
to) office equipment which is portable by design, personal computers, tablets, laptops,
smartphones, mobile phones and calculators.
Business samples – All business stock owned by you or for which you are legally responsible.
11
Close relative – Your partner; fiancé(e); parent, parent-in-law, step-parent or legal
guardian; child, step-child or foster child; sibling; sibling-in-law, half-sibling or step-sibling;
grandparent or grandchild.
Computer system – Any computer hardware, software, communication system or
electronic device (including smartphones, laptops, tablets and wearable devices), server,
cloud, microcontroller or similar system (including any associated input, output or data
storage device, networking equipment or backup facility).
Couple – The two individuals who are due to get married during the trip, which must
include the account holder. If one of the individuals is not covered by this policy we will
extend the cover provided under Section 16 – Wedding Cover only to include that person
once the appropriate additional premium has been paid. Cover will not apply for that
person under any other section of the policy.
Cyber risk
• Any unauthorised, malicious or illegal act (or the threat of such an act), involving
access to or the processing, use or operation of any computer system;
• Any error or omission involving access to or the processing, use, or operation of any
computer system;
• Any partial or total unavailability or failure to access, process, use or operate any
computer system; or
• Any loss of use, reduction in functionality, repair, replacement, restoration or
reproduction of any data, including any amount relating to the value of such data.
Departure point – The airport, coach or train station, or port where:
• the outward journey of your trip begins;
• your return journey back home begins; and
• any pre-booked connecting transport during your trip leaves from.
Doctor – A legally qualified member of the medical profession holding the necessary
certification and registration in the country in which they are currently practising, other than
you, a travelling companion or someone who is related to you or a travelling companion.
Economic sanction(s) – Any sanction, prohibition or restriction under United Nations
resolutions or the trade or economic sanctions, laws or regulations of the European Union
or United Kingdom.
These may change from time to time and can include prohibiting the transfer of funds
to a sanctioned country, freezing the assets of a government, the corporate entities and
residents of a sanctioned country, or freezing the assets of specific individuals
or corporate entities.
Epidemic – A contagious disease recognised by the World Health Organization (WHO)
or an official government authority in your home country or your trip destination.
Excess – The deduction we will make from the amount otherwise payable under this policy
for each insured person claiming and for each event that leads to a claim.
For example two insured persons that both have personal possessions stolen from their
bags and both incur a medical expense during the same trip but during different events
will have a total of four excesses deducted. Two of these will be for the two claims for their
personal possessions and two of these will be for the two claims for medical expenses.
Golf equipment – Your golf bag, its contents and any specialist golf clothing or equipment.
Home – The address where the account holder permanently lives in the UK.
Home area – England, Scotland, Wales, Northern Ireland or the Isle of Man if your home
is in any of these countries, or the Channel Islands if your home is on any of these islands.
12
Insurer – AWP P&C SA.
Legal action – Work carried out to support a claim that we have agreed to. This includes
settlement negotiations, hearings in a civil court, arbitration and any appeals resulting
from such hearings other than an application by you:
• to the European Court of Justice, European Court of Human Rights or similar
International body; or
• to enforce a judgment or legally binding decision.
Legal costs – Fees, costs and expenses (including Value Added Tax or equivalent local
goods and services tax) which we agree to pay for you in connection with legal action.
Also, any costs which you are ordered to pay by a court or arbitrator (other than damages,
fines and penalties) or any other costs we agree to pay.
Loss of a limb – The permanent severing at or above the wrist or ankle or total loss of
a complete foot, leg, hand or arm.
Loss of sight – The total and irrecoverable loss of sight in one or both eye(s); this is
considered to have occurred if the degree of sight remaining after correction is 3/60
or less on the Snellen scale.
Manual work – Paid or unpaid work that involves:
• using, installing or maintaining equipment or machinery;
• building or construction; or
• caring for any child who is not a close relative.
Natural disaster – A large-scale extreme weather or geological event that damages
property, disrupts transportation or utilities, or endangers people, including without
limitation: earthquake, fire, flood, hurricane or volcanic eruption.
Pair or set – A number of items of personal possessions (not including winter sports
equipment) that belong together or can be used together.
Pandemic – An epidemic that is recognised as being a pandemic by the World Health
Organization (WHO) or an official government authority in your home country or
your trip destination.
Partner – The person the account holder lives with at home and is in a relationship with,
as if spouses or civil partners, whether married or not.
Period of insurance – The date when the account holder opened a new Silver Account,
and ending when the Silver Account is closed, the policy is cancelled or you reach 70 years
of age (unless you have bought an age extension upgrade), whichever is the earlier.
Within this period the following applies:
• Cover for cancellation under Section 1 begins on the date you open your Silver Account
or book your trip (whichever is later) and ends when you start that trip.
• Cover for all other sections runs for the length of your trip (up to the trip duration limit),
unless you return home early when cover for that trip will end on the day you return.
No one trip can be more than 22 days’ duration.
If your return to your home country is delayed beyond the scheduled end date of your trip
for reasons covered under this policy and which are outside your control, the period of
insurance will automatically be extended until the earliest time you are reasonably able
to return home.
13
Permanent total disablement – A permanent physical disability as a result of which there is
no paid work that you are or will be able to do.
Personal money – Cash, cheques, postal and money orders, current postage stamps,
travellers’ cheques, coupons or vouchers which have a monetary value, admission tickets
and travel tickets, all held for private and not business purposes.
Personal possessions – Each of your suitcases, trunks and similar containers (including
their contents) and articles worn or carried by you (including your valuables).
Policy – This policy booklet and any additional upgrades, extensions or endorsements
applied to your cover.
Political risk – Any kind of events, organised resistance or actions intending or implying the
intention to overthrow, supplant or change the existing ruler or constitutional government,
including but not limited to:
• Nationalisation;
• Confiscation;
• Expropriation (including compulsory purchase orders, selective discrimination and
forced abandonment);
• Deprivation;
• Requisition;
• Revolution;
• Rebellion;
• Insurrection;
• Civil commotion assuming to proportion of or amounting to an uprising;
• Military and usurped power.
Pre-existing medical condition – Any medical condition for which, at the date you became
an insured person under this policy or the date when your trip was booked, whichever
is later, you:
• had received advice, medication or treatment from a doctor during the last 12 months;
• were under investigation or awaiting a diagnosis;
• were on a waiting list for treatment as an inpatient or were aware of the need for
treatment as an in-patient; or
• have received a terminal prognosis.
Quarantine – Mandatory confinement, intended to stop the spread of a contagious disease
to which you or a travelling companion has been exposed.
Travelling companion – Any person that has booked to travel with you on your trip.
Trip – A trip that takes place during the period of insurance which begins when you leave
home and ends when you get back home or to a hospital or nursing home in your home
country, whichever is earlier, and is:
• outside the UK; or
• within the UK, where you are staying in pre-booked accommodation for two or more
consecutive nights.
Unattended – Not in your full view and where you are not in a position to prevent
unauthorised access to your property unless it is in a locked room or safe.
Property left in a vehicle is unattended unless the vehicle is locked and the items are hidden
from view in an enclosed boot, luggage or storage compartment.
Property left in a trailer, caravan or storage box is unattended unless it is hidden from view
and that trailer, caravan or storage box is locked.
14
United Kingdom/UK – England, Scotland, Wales and Northern Ireland and for the purposes
of this policy the Channel Islands and the Isle of Man.
Valuables/Valuable items
• cameras, camcorders, binoculars, telescopes and accessories;
• drones and other remotely controlled robots and vehicles;
• audio, visual and television equipment;
• computers, tablets, gaming consoles, electronic book readers, satellite navigation
equipment, mobile phones, smartphones and accessories;
• jewellery, watches, items made of or containing gold, silver, precious metals or precious
or semi-precious stones.
Winter sports – Sports and leisure activities that traditionally take place on snow or ice.
Please refer to page 23 for a list of the activities included within this cover.
Winter sports equipment – Skis, snowboards, bindings, poles, boots or helmets and any
other specialist winter sports clothing or equipment.
Wedding attire – Clothing bought especially for your wedding that is to take place during
your trip, plus hair styling and flowers.
We/Us/Our – Allianz Assistance who administer this policy on behalf of the insurer.
You/your/insured person – The account holder.
15
Upgrades and Endorsements
To ensure you have the cover you need for your trip(s), you should tell us as soon as possible
if you require any of the following upgrades (an additional premium may apply):
• Medical endorsement: if any insured person has a pre-existing medical condition(s),
you must declare these to us. You may then have to pay an additional premium to cover
those medical conditions. For some conditions, cover may not be available but we will
advise you of this when the declaration is made and we will confirm this to you
in writing.
• Age extension: if you want to add cover for a person aged 70 years or older.
• Cancellation limit extension: if you are planning a trip with a value more than we
provide under the Cancellation, Curtailment and Abandonment covers, you can
increase the limits by paying an additional premium.
• Additional sports & leisure activities: if you wish to take part in any activities not stated
as being covered as standard (as outlined on page 21).
• Business cover: as detailed on page 42.
• Golf cover: as detailed on page 43.
• Wedding cover: as detailed on page 45.
The additional cover provided by purchasing an upgrade will only be valid for trips starting
on or after the date you buy the upgrade and only for events that happen after the upgrade
has been purchased. All upgrades must be purchased before you leave your home to start
your trip.
16
24-Hour Emergency Medical Assistance
Please tell us immediately about any serious illness or accident abroad where you have to
go into hospital or you may have to return home early or extend your stay because of any
illness or injury. If you are unable to do this because the condition is life, limb, sight or organ
threatening, you should contact us as soon as you can. You must also tell us if your medical
expenses are over or are likely to be over £500.
If you need to claim for a minor illness or accident you should, where possible, pay the costs
and reclaim the money from us when you return.
You can call 24 hours a day, 365 days a year or you can contact us by email:
Phone: UK +44 (0)208 666 9277
Email: [email protected]
Please make sure you have your Silver Account number and your branch sort code to hand
when you call. Below are some of the ways the 24-hour emergency medical assistance
service can help.
Confirmation of payment
We will contact hospitals or doctors abroad and guarantee to pay their fees, providing you
have a valid claim.
Repatriation
If our medical advisers think it would be in your medical interests to bring you back to your
home or to a hospital or nursing home in your home area, you will normally be transferred
by regular airline or road ambulance. Where medically necessary in very serious or urgent
cases, we will use an air ambulance. We will consult the treating doctor and our medical
advisers first. If you need to go home early, the treating doctor must provide a certificate
confirming that you are fit to travel. Without this the airline can refuse to carry any sick or
injured person.
You can contact us at any time, day or night. You will be answered by one of our
experienced assistance co-ordinators who you should give all relevant information to.
17
Reciprocal Health Arrangements
European/Global Health Insurance Card (EHIC and GHIC)
• I f you already have a valid EHIC, it will continue to entitle you to reduced-cost, sometimes
free, medical treatment that becomes necessary while you are in a European Economic
Area (EEA) country or Switzerland. The EEA consists of the European Union (EU)
countries plus Iceland, Liechtenstein and Norway. Cover will end on the expiry date
of your EHIC.
• If you do not have a valid EHIC or it is due to expire before you travel, you can apply
for a GHIC. This entitles you to reduced-cost, sometimes free, medical treatment that
becomes necessary while you are in a European Union (EU) country.
• These cards give access to state-provided medical treatment only. Remember, this
might not cover all the things you would expect to get free of charge from the NHS
in the UK. You may have to make a contribution to the cost of your care.
• You may apply for an GHIC online at www.ghic.org.uk or by calling 0300 330 1350.
Note:
The EHIC/GHIC does not cover the cost of medical treatment in a private hospital or clinic,
the additional cost of returning to your home area or for a close relative to stay or fly out
to be with you. In a medical emergency you may have no control over the hospital you are
taken to and the closest hospital may be private.
If you make use of these arrangements or any other reciprocal health arrangement which
reduces your medical expenses, you will not have to pay an excess under Section 3 –
Emergency medical and associated expenses.
18
Health Declaration
and Health Exclusions
Your policy does not automatically include cover for pre-existing medical conditions.
Health Declaration
Please take a good look at the medical screening questions below. To make sure your policy
is not affected for your trip, you must declare all pre-existing medical conditions:
• on first opening your Silver Account;
• if there are any changes in your health after making your medical declaration, including
a change to any regularly prescribed medication (repeat prescriptions);
• you develop a medical condition before booking your trip;
• you develop a new medical condition before travelling on a trip already booked
(Note: if you still wish to go on your trip, and are not travelling against medical advice,
your policy will continue to provide cover subject to the terms and conditions).
You must provide us with further details about the pre-existing medical condition, if:
• You answer yes to any of the following medical screening questions; and
• the pre-existing medical condition is not one of the ‘No screen medical conditions’
listed in this section and/or is not the only medical condition you or any other insured
person has.
In the last 12 months have/are you or any other insured person:

1. Been prescribed medication?
2. Received treatment for or consulted a doctor about any medical condition?
3. Attended a hospital or clinic as an out-patient or in-patient for any reason?
4. Been diagnosed as having a terminal condition?
5. Currently awaiting tests, investigations, treatment, surgery; or are awaiting the results
of any tests or investigations?
We may be able to include cover for your pre-existing medical condition(s), however
an extra premium may be required. We have the right to exclude cover or not to continue
cover when you renew or update your medical declaration.
To make a medical declaration, please visit the Allianz Assistance Hub, or call us on
UK +44 (0)345 607 5154. If you fail to do this, it may mean you will not be covered for
related claims.
19
No Screen Medical Conditions
If you have or had only ONE diagnosed pre-existing medical condition that needs to be
declared and:
• this is included in the list below;
• it is stable and well controlled;
• has not required any change in medication or medical intervention in the last 12 months,
there is no need to contact us and your pre-existing medical condition is covered.
However, if you have more than one pre-existing medical condition, or cannot meet the
above criteria, then you must disclose your pre-existing medical conditions. There is no
cover for such pre-existing medical conditions that have not been declared to and been
accepted for cover by us.
• Acanthosis nigricans • Ear infection (only • Osteoarthritis
• Acid reflux if fully resolved and • Osteoporosis
• Acne no reoccurrence • Overactive bladder
in the last 6 months)
• Allergy • Overactive thyroid
• Eczema (hyperthyroidism)
• Alopecia
• Enlarged prostate (benign) • Parkinson’s disease
• Anxiety
• Epilepsy • Psoriasis
• Asthma
• Essential tremor • Raynaud’s disease
• Athlete’s foot
• Fibromyalgia • Rheumatoid arthritis
• Back pain
• Glaucoma • Rosacea
• Basal cell carcinoma
• Glue ear • Shingles
• Bell’s palsy
• Goitre • Sinusitis
• Blepharitis
• Gout • Tendonitis
• Carpal tunnel syndrome
• Haemorrhoids • Tinnitus
• Cataracts
• Hernia • Tonsilitis (only if fully
• Chickenpox
• High blood pressure resolved and no
• Claudication
(hypertension) reoccurrence in the
• Coeliac disease
• High cholesterol last 6 months)
• Constipation
(hypercholesterolemia) • Underactive thyroid
• Depression
• Hives (hypothyroidism)
• Diabetes
• Irritable bowel syndrome • Urinary tract infection
• Diarrhoea and/or vomiting (UTI) (only if
• Low blood pressure
(only if fully resolved and fully resolved and no
(hypotension)
no reoccurrence in the last reoccurrence
• Meniere’s disease
6 months) in the last 6 months)
• Menopause
• Diverticulitis • Varicose veins
• Migraine
• Dry eye syndrome • Vertigo
• Nasal polyps
• Dyspepsia (Indigestion) • Vitiligo
If you are unsure about whether you should disclose any medical conditions, please contact us.
If we are unable to cover a pre-existing medical condition, this will mean that any other
insured person covered by us will not be able to make a claim arising from the medical
condition(s). This may even apply if the person with the medical condition(s) purchases
cover from another provider.
20
Where we agree to cover a pre-existing medical condition we will apply those terms
for the following 12 months (or until the expiry of any existing upgrade or endorsement,
whichever is sooner), so long as there is a valid Silver Account under which you are entitled
to receive the benefit of this policy and you have paid any additional premium due.
At the end of this period we will send you a reminder. You must then make your medical
declaration again so that we can ensure your cover continues to meet your needs and
is based on current information.
Health Exclusions
At any time:
• No cover is provided if you travel against the advice of a doctor, or would have been
travelling against the advice of a doctor if you had sought such advice.
• No cover is provided where you are travelling in order to receive medical advice
or treatment.
• No cover is provided where you have failed to take necessary medication, such as
inoculations or medication that a doctor has prescribed to you.
Exclusions relating to the health of someone not covered by this policy, but whose
health may affect your decision whether to take or continue with your trip.
You will not be covered for any related claims arising from the health of a travelling
companion, someone you were going to stay with, a close relative or a business associate
if at the time your policy was issued or the date when your trip was booked, whichever is later:
• you were aware they have been receiving medical treatment or consultation at any
medical facility for a medical condition in the last 12 months;
• you were aware they have been awaiting medical treatment or consultation at any
medical facility or have been under investigation for a medical condition;
• you were aware that a doctor had diagnosed them as having a terminal condition,
or that their medical condition was likely to get worse in the next 12 months.
Sports & Leisure Activities

You are not covered if you take part in any activity:
• That is not listed at all under Included Sports & Leisure Activities below, or is in the
Additional Sports & Leisure Activities list below, unless you have declared it to us,
it has been accepted by us in writing and you have paid any additional premium;
• Where such activities are part of your professional duties, or where you are receiving
financial reward for participating in such activities; or
• Where such activities are undertaken for competitive or racing purposes.
Where some restrictions on cover will always apply, you will see asterisks (*) shown after
the activity name. Here is a list of what these indicate:
• One asterisk (*) – no cover under Section 11 – Personal Liability applies;
• Two asterisks (**) – no cover under Section 8 – Personal Accident applies;
• Three asterisks (***) – no cover under Section 8 – Personal Accident or Section 11 –
Personal Liability applies
These restrictions apply even if you have paid an extra premium for the Additional Sports
& Leisure Activity upgrade.
21
Included Sports & Leisure Activities
This policy will automatically cover you for participation in some but not all activities.
Please refer to the lists below for full details.
If you are taking part in any sport or leisure activity not listed as covered in this section, or
wish to take part in a competition, please contact us by visiting the Allianz Assistance Hub,
emailing [email protected] or calling UK +44 (0)345 607 5154 to make sure you
are covered. You may need to purchase the Sports and activities upgrade for cover to apply.
Land, air or water based

Included as standard
• Aerobics • Ice skating (on a rink only) • SCUBA diving (down
• Athletics (no racing) • Jogging to 20m accompanied
• Badminton •
Manual work (not by a qualified diver
above 3 metres from the or instructor)
• Baseball
ground/floor or involving • Skateboarding (wearing
• Basketball
machinery or heavy pads and helmets)
• Boogie/body boarding
lifting)* • Snooker
• Bowling
•
Marathon running • Snorkelling
• Bowls (recreational • Softball
• Cricket participation only) • Squash
• Croquet •
Mountain biking on • Stand up paddle boarding
• Curling recognised routes (SUP)
•
Cycling (not racing, BMX • Non-manual work* • Surfing
or off-road) • Netball • Swimming (except long
• Dancing • Orienteering distance in open water)
• Darts • Pedalo/Paddle boating • Table tennis
• Deep sea fishing • Pool • Tennis
• Dinghy Sailing • Racket ball • Ten pin bowling
•
Fell walking (up to an •
Rambling (up to an • Trekking (up to an
altitude of 3,000m) altitude of 3,000m) altitude of 3,000m)
•
Fencing (protective • Ringos • Volleyball
clothing and equipment •
Roller Skating/Blading • Walking (up to an
must be used) (wearing pads and altitude of 3,000m)
• Fishing/Angling helmets) • Water polo
•
Flying (as a fare paying • Rounders • Windsurfing (within
passenger in a fully • Rowing (except racing) territorial or inland
licensed passenger
•
Running waters)
carrying aircraft)
(non-competitive) • Yachting within territorial
• Football/Soccer
•
Sailboarding (within or inland waters*
•
Gliding (as a passenger territorial or inland (if qualified and
only)** waters) excluding racing)
• Golf •
Sailing within territorial or
• Gymnastics inland waters* (if qualified
• Handball and excluding racing)
•
Hiking (up to an altitude
of 3,000m)
22
Included if professionally organised and all recommended
safety equipment/clothing is being used
• Abseiling • Grass skiing •
River tubing (no white
• Animal interaction •
Hiking (up to an altitude or black water)
experiences with wild of 4,000m) High or low •
Safari Trekking
animals – e.g. elephants/ ropes courses (on an organised tour)
giraffes/koala/small • Hockey* • Segway riding*
primates and mammals** •
Horse riding •
Shooting sports
• Archery* (no jumping or racing)* (not hunting)*
• Banana boating • Hot air ballooning •
Sleigh riding as
and other inflatables • Hoverboard riding*** a passenger
towed behind a powerboat •
Swimming or snorkelling
• Jet biking*
• Black water rafting with dolphins, beluga
•
Jet boating
• Boxing (training only (as a passenger) whales, manatees,
with no contact)* stingrays or turtles
• Jet skiing*
• Camel riding • Trampolining
•
Kayaking
• Canoeing (no white (no white or black water) •
Trekking (up to an
or black water) altitude of 4,000m)
•
Motor cycling if you
• Cheerleading have held the required •
Walking (up to an
(no stunting) motorcycle driving altitude of 4,000m)
• Clay pigeon shooting* licence for at least •
War Games* (if no live
• Climbing (on indoor 3 years, are conviction ammunition and wearing
artificial walls only) free and are wearing eye protection)
• Dog sledding a helmet* • Water skiing (no jumping)
• Elephant riding • Paint balling •
White water rafting
• Fell walking (up to • Parascending over water (up to grade 4)
an altitude of 4,000m) • Pony trekking* •
Ziplining/Zipwiring/
• Flotilla sailing* (with • Quad biking Zip trekking
professional leader) •
Rafting (no white or • Zorbing
• Glacier walking black water)
• Go karting* •
Rambling (up to an
altitude of 4,000m)
Winter Sports
Included as standard
• Alpine skiing • Kick sledging horse or reindeer)
• Big foot skiing • Mono skiing • Snow blading*
• Blade skating • Nordic skiing • Snowboarding (on-piste)
•
Cross country skiing (on • Ski blading •
Snowboarding (off piste
recognised tracks)*** • Ski boarding with a recognised guide)
• Curling • Skiing (on-piste) • Snow bobbing
• Dry slope skiing •
Skiing (off piste with • Snow shoe walking
• Glacier walking a recognised guide) • Tandem skiing
•
Ice cricket (wearing • Ski-run walking • Telemark skiing
appropriate batting pads/ • Ski touring •
Winter walking (using
gloves/spiked shoes) • Sledging/Tobogganing crampons and ice picks
• Ice fishing •
Sleigh riding as a only)
• Ice skating passenger (pulled by
23
Included if professionally organised and all recommended safety equipment/clothing
is being used
• Husky dog sledding •
Ski racing arranged by ski • Snow scooting*
• Skidooing* schools for their pupils • Snow tubing
• Snow mobiling*
Additional Sports & Leisure Activities

The following are only covered if you have selected and paid for the Additional Sports
& Leisure Activities upgrade.
Land, air or water based
•
Airsoft (if wearing eye • Gaelic football •
Parascending
protection)* • Hang gliding** (over land)***
• American football • Hurling •
Rappelling/rap jumping
• Australian football • Judo (training only)* (if professionally
• Biathlon organised and all
• Karate (training only)*
appropriate safety
•
Bridge swinging •
Kayaking (white and
equipment is being used)
(one jump per trip only) black water, up to grade
• Rugby*
•
Bungee jumping 5 – all appropriate safety
(one jump per trip only) equipment must be used) • Sand skiing/boarding
• Camogie • Kite surfing • Sand yachting
•
Canoeing (white and • Lacrosse •
SCUBA diving 20 to 30
black water, up to grade metres (if qualified and
• Land yachting
5 – all appropriate safety accompanied by qualified
•
Martial arts
equipment must be used) instructor – no solo dives)
(training only)
• Canopy walking • Shark diving (in a cage)
•
Mountain biking
•
C anyoning • Shinty
(on recognized trails –
(if professionally safety pads and a helmet • Summer tobogganing***
organised and all must be worn) • Triathlon
appropriate safety •
Parachuting •
White water rafting (up to
equipment is being used) (one jump per trip only) grade 5 – all appropriate
•
Caving (if professionally •
Paragliding – as a passenger safety equipment must
organised and all (if professionally be used)
appropriate safety organised and all
equipment is being used) appropriate safety
equipment is being used)
Winter Sports
• Airboarding* •
Ice go karting* • Ice windsurfing*
•
Figure skating (within organisers •
Ski biking* (all
(recreational only) guidelines – all appropriate safety
• Glacier skiing appropriate safety equipment must be used)
equipment must be used) • Snowcat driving*
• Heli skiing
•
Ice hockey*
(all appropriate safety
equipment must be used)
If you are unsure about whether you are covered to take part in activities that you want to
participate in you should contact us.
24
Section 1 – Cancellation
This section provides cover if you have to cancel your trip before you leave your home to
start your trip.
What you are covered for

The most we will pay for each insured person is up to £5,000 in total (or if you have
purchased a Cancellation upgrade, the increased amount shown on your upgrade
schedule) for your part of unused and unrecoverable:
• trip deposits;
• accommodation and travel costs (including car hire, excursions and activities);
• kennel, cattery, professional pet sitter; and
• car parking charges
which have been paid or where there is a contract to pay that cannot be recovered from
anywhere else.
We will provide this cover if you cancel your trip before it begins in the following necessary
and unavoidable circumstances only:
1. The death, serious injury or serious illness of:
a. you;
b. a travelling companion;
c. a close relative of you or a travelling companion;
d. someone outside your home area that you had planned to stay with; or
e. a business associate.
Note:
For a, b and c above, this will include being diagnosed with an epidemic or pandemic
disease such as COVID-19.
• ou, a travelling companion or anyone outside your home area that you had planned
Y
to stay with is called for jury service or as a witness in a court of law.
• You or a travelling companion are advised by the police to remain at home to secure
the property following a burglary, or damage caused by serious fire, storm, flood,
explosion, subsidence, vandalism, fallen trees, impact by aircraft or vehicle at your
home or their home or usual place of business in your home area.
• You or your travelling companion are made redundant on a non-voluntary basis and
are registered for a Jobseeker’s Agreement with the Department for Work & Pensions
(or similar in your home area).
• One of the following people are held in quarantine by order or other requirement of a
government or public authority, based on their suspicion that they, specifically, have
been exposed to a contagious disease:
a. you
b. another insured person;
c. your travelling companion upon whom your travel depends;
d. anyone outside your home area that you had planned to stay with.
This does not include any quarantine that applies generally or broadly to some or all of
a population, vessel or geographical area, or that applies based on where you are travelling
to, from or through.
Note:
For a and b above, this will include an epidemic or pandemic disease such as COVID-19.
25
• ou or a travelling companion being refused boarding of the public transport on which
Y
you are booked to travel, on the order of any government, public authority or carrier,
due to you or a travelling companion, displaying symptoms of a contagious disease
(including an epidemic or a pandemic disease such as COVID-19).
• You or your travelling companion are a member of the Armed Forces, Police, Fire,
Nursing or Ambulance services in your home area and your or their employer
withdraws previously agreed leave due to an unexpected emergency.
• You or your travelling companion receive a formal notice to attend an adoption
proceeding during your trip.
• You or your travelling companion become medically unable to receive an immunisation
required for entry into a destination you have booked to travel to.
• You find out you are pregnant after opening your Silver Account or booking your trip
(whichever is later) and you are:
a. advised not to travel by a doctor; or
b. will be over 35 weeks’ pregnant at the end of your trip (or 31 weeks for a multiple
pregnancy).
• Your pet cat or dog requiring emergency life-saving treatment in the seven days before
your departure on your trip.
• Your passport or visa being stolen in a burglary in the seven days before your departure
on your trip and you being unable to arrange a replacement in time.
• The Foreign, Commonwealth & Development Office (FCDO) advising against “All Travel”
or “All but essential travel” to your booked destination, providing the advice came into
force after you opened your Silver Account or booked your trip (whichever was the
later) and was in the 28 days before your departure on your trip.
• The local Government authorities in your trip destination order a mandatory evacuation
due to a natural disaster at your destination that is in effect within 24 hours prior to
your departure date.
What you are not covered for

We will not cover:
• An excess of £75 for every claim for each insured person, which is reduced to £10 for
each insured person for claims solely for lost deposits.
• Any expenses the company providing your transport or accommodation, their agents,
any person acting for you or your conference organiser is responsible for.
• Costs that you can recover from elsewhere (including air passenger duty), such as, but
not limited to, the provider or booking agent for your trip, Civil Aviation Authority (CAA)
if your trip is protected by an Air Travel Organiser’s Licence (ATOL) or the credit or debit
card provider, if you used this method to pay and the service you paid for has not been
provided. It is important that you attempt to recover your expenses from other sources
before using this travel insurance, as a claim cannot be considered until you have done
this. If you are unsuccessful in obtaining a refund, then you can submit a claim against
this travel insurance;
• Claims arising from an anticipated event;
• Anything mentioned in the General Exclusions section of this policy;
• Any claim that is the result of a pre-existing medical condition. This exclusion will
not apply if that pre-existing medical condition had already been declared to us and
accepted by us in writing;
• Any claim that is a result of a close relative, close business associate or travelling
companion:
– having a medical condition that has resulted in in-patient treatment or being put
on a waiting list for hospital treatment;
– being diagnosed with cancer or a degenerative condition; or
26
– being given a terminal prognosis;
in the 12 months prior to you becoming an insured person, or the date when your trip
was booked, whichever is later;
• Any claim where, given your physical or mental condition, you should not have travelled
or it would have been reasonable for you to have consulted your doctor about whether
or not it was appropriate to go on your trip;
• Any claim for administration costs charged by your travel or accommodation provider
for obtaining a refund for unused travel and accommodation charges;
• Booking, credit card and non Sterling transaction fees, as these are used costs and not
unused costs.
• Any claim resulting from your transport provider or their agents refusing to allow you
to travel for any reason, other than those shown as being covered;
• Any claim resulting from you not wanting to travel or not enjoying your trip;
• Any claim for unemployment due to your misconduct, resignation or voluntary
redundancy;
• Any claim arising from you or a travelling companion not having the correct passport
or visa, other than for the reason shown as being covered;
• Any restriction caused by the law of any country or people enforcing these laws;
• More than the lowest market value of equivalent accommodation, transport charges
and other travel expenses, if payment was made using frequent flyer points, Avios,
loyalty card points, redeemable vouchers or another similar scheme.
• Any claim for fees relating to timeshare properties that would be payable whether the
property was booked or not, including management and maintenance fees.
Section 2 – Cutting Short Your Trip

This section provides cover is you have to cut short your trip after you have started it.

Part A – Curtailment
We will pay up to £5,000 in total (or if you have purchased a Cancellation upgrade,
the increased amount shown on your upgrade schedule) for your part of unused and
unrecoverable:
• unused accommodation costs and travel costs (including car hire, excursions
and activities);
• reasonable additional accommodation costs to allow you to return home early; and
• reasonable additional travel costs to allow you to return home early if you cannot use
your return ticket
which have been paid or where there is a contract to pay that cannot be recovered from
anywhere else.
We will provide this cover if you have to cut short your trip after it has begun due to one
of the following necessary and unavoidable circumstances only:
1. The death, serious injury or serious illness of:
a. you;
b. a travelling companion;
c. a close relative of you or a travelling companion;
d. someone outside your home area that you were staying with; or
e. a business associate.
27
Note:
For a, b and c above, this will include being diagnosed with an epidemic or pandemic
disease such as COVID-19.
2. Y ou, a travelling companion or anyone outside your home area that you had planned
to stay with is called for jury service or as a witness in a court of law.
3. You or a travelling companion are advised by the police to return home to secure the
property following a burglary, or damage caused by serious fire, storm, flood, explosion,
subsidence, vandalism, fallen trees, impact by aircraft or vehicle at your home or their
home or usual place of business in your home area.
4. One of the following people are held in quarantine by order or other requirement of
a government or public authority, based on their suspicion that they, specifically, have
been exposed to a contagious disease:
a. You
b. another insured person;
c. your travelling companion upon whom your travel depends;
d. anyone outside your home area that you were staying with.
This does not include any quarantine that applies generally or broadly to some or all of
a population, vessel or geographical area, or that applies based on where you are travelling
to, from or through.
Note:
For a and b above, this will include an epidemic or pandemic disease such as COVID-19.
5. You or a travelling companion being refused boarding of the public transport on which
you are booked to travel, on the order of any government, public authority or carrier,
due to you or a travelling companion, displaying symptoms of a contagious disease
(including an epidemic or a pandemic disease such as COVID-19).
6. You or your travelling companion are a member of the Armed Forces, Police, Fire,
Nursing or Ambulance services in your home area and your or their employer
withdraws previously agreed leave due to an unexpected emergency.
7. You or your travelling companion receive a formal notice to attend an adoption
proceeding during your trip.
8. The local Government authorities order a mandatory evacuation of your trip
destination area;
9. The Foreign, Commonwealth & Development Office (FCDO) advising against “All
Travel” or “All but essential travel” to your booked destination, providing the advice
came into force after you started your trip.
Part B – Unused Trip Costs
We will pay up to £5,000 for your proportion of your accommodation, excursions and
other trip costs that you cannot use during the period you are admitted to hospital as an
in-patient, based on each complete period of 24hours you are admitted.
Part C – Natural Disaster
We will pay up to £500 for the cost of necessary extra travel and accommodation expenses
you incur to:
a. allow you to continue with your trip; or
b. return to your home area if you are unable to continue with your trip
if you are forced to move from your pre booked and pre-paid accommodation because the
accommodation or immediately surrounding area are adversely affected by a natural disaster.
28
Part D – Home Care
We will pay up to £250 for emergency and necessary repairs to secure your home following
fire, flood or theft while you are on a trip. You must supply written confirmation from the
contractor that the work was urgently required, as well as a breakdown of the costs incurred
and receipts for expenses that you have paid.
The list of the type of contractors covered to secure the home in case of the events
mentioned above are as follows: plumber, electrician, gas specialist, locksmith, glazier
and roofer.

We will not cover:
• An excess of £75 for every claim for each insured person;
• Any expenses the company providing your transport or accommodation, their agents,
any person acting for you or your conference organiser is responsible for;
• Costs that you can recover from elsewhere (including air passenger duty), such as, but
not limited to, the provider or booking agent for your trip, Civil Aviation Authority (CAA)
if your trip is protected by an Air Travel Organiser’s Licence (ATOL) or the credit or debit
card provider, if you used this method to pay and the service you paid for has not been
provided. It is important that you attempt to recover your expenses from other sources
before using this travel insurance, as a claim cannot be considered until you have done
this. If you are unsuccessful in obtaining a refund, then you can submit a claim against
this travel insurance;
• Claims arising from an anticipated event;
• Any claim that is the result of a pre-existing medical condition. This exclusion will
not apply if that pre-existing medical condition had already been declared to us and
accepted by us in writing;
• Any claim that is a result of a close relative, close business associate or travelling
companion:
– having a medical condition that has resulted in in-patient treatment or being put on
a waiting list for hospital treatment;
– being diagnosed with cancer or a degenerative condition; or
– being given a terminal prognosis;
in the 12 months prior to you becoming an insured person, or the date when your trip
was booked, whichever is later;
• Any claim where, given your physical or mental condition, you should not have travelled
or it would have been reasonable for you to have consulted your doctor about whether
or not it was appropriate to go on your trip;
• Booking, credit card and non Sterling transaction fees, as these are used costs and not
unused costs.
• Any claim resulting from your transport provider or their agents refusing to allow you
to travel for any reason, other than those shown as being covered;
• Any claim resulting from you not wanting to travel or not enjoying your trip;
• Any claim for additional travel costs if you did not purchase a return ticket to your home
area before you started your trip;
• Any claim for unemployment due to your misconduct, resignation or voluntary
redundancy;
• Any claim arising from you or a travelling companion not having the correct passport
or visa, other than for the reason shown as being covered;
• Any restriction caused by the law of any country or people enforcing these laws;
29
• More than the lowest market value of equivalent accommodation, transport charges
and other travel expenses, if payment was made using frequent flyer points, Avios,
loyalty card points, redeemable vouchers or another similar scheme.
• Any claim for fees relating to timeshare properties that would be payable whether
the property was booked or not, including management and maintenance fees.
• Any costs incurred for repairs carried out by any contractor, except for a plumber,
electrician, gas specialist, locksmith, glazier or roofer.
Section 3 – Emergency Medical and

Associated Expenses
If you are taken into hospital or you think you may have to come home early or extend your
trip because of illness, injury or accident, or if your medical expenses are over £500 we
must be told immediately – see under the heading ‘24-hour emergency medical assistance’
on page 17 for more information.

We will pay you or your personal representatives for the following necessary and unforeseen
emergency expenses if you die, are injured, have an accident or are taken ill during your
trip (including being diagnosed with an epidemic or pandemic disease such as COVID-19)
as well as being subject to compulsory quarantine on the orders of a treating doctor.
Outside Your Home Area
Up to £10 million in total for reasonable fees or charges you incur for the following:
Emergency Medical Treatment
• Medical, surgical, medication costs, hospital and/or nursing services.
Emergency Transportation
•
Ambulance and rescue service fees incurred to take you to hospital.
Repatriation
• Your repatriation to your home area, if medically necessary.
Dental
•
Up to £1,000 for emergency dental treatment to relieve sudden pain.
In-patient Benefit
• £50 for each 24-hour period that you are in hospital as an in-patient up to £1,000 in total
during the trip.
Funeral Expenses
• Up to £7,500 for reasonable costs for your funeral expenses, in the place where you die.
Emergency Replacement of Prescribed Medication
• Up to £250 for reasonable expenses incurred in you obtaining repeat medication where
your own medication has been lost or stolen while you are on your trip if you have
a pre-existing medical condition that had already been declared to us and accepted
by us in writing.
Related Costs Outside or Inside Your Home Area
Up to:
• £10 million for trips outside your home area; or
• £10,000 for trips inside your home area;
in total for the reasonable fees or charges you incur for the following:
30
Transport and accommodation
• Additional travel and accommodation expenses:
a. to get you to or from hospital, where such expenses relate to your in-patient
admission or discharge, or attending for outpatient treatment or appointments;
b. needed to return you to your home area on the advice of our medical adviser;
c. that you have to pay to get home following emergency medical treatment and where
you cannot use your return ticket;
d. for one person, who is resident in your home area, to travel to, remain with or escort
you back to your home area on the advice of our medical advisor;
• Additional travel and accommodation costs of a similar standard to the accommodation
you had booked for your trip if it is medically necessary for you to stay after the date
you were booked to return home;
Telephone calls
• The cost of telephone calls:
a. that you make to our emergency assistance service; or
b. incurred by you when you receive calls from our emergency assistance service;
If you die
• The reasonable cost of transporting your body or ashes to your home.
Physiotherapy
We will pay up to £350 for necessary further physiotherapy treatment on your return to
your home area if we pay a claim for your Emergency Medical treatment outside your
home area as a result of your bodily injury.

We will not cover:
• An excess of £75, unless your claim is reduced because you used an EHIC, GHIC or any
other reciprocal health arrangement (see ‘Reciprocal health arrangements’ on page 18
for more information);
• Any expenses that you can recover from elsewhere;
• Any claim that is the result of a pre-existing medical condition.
This exclusion will not apply if that pre-existing medical condition had already been
declared to us and accepted by us in writing;
• Any claim for:
– costs incurred as a result of an anticipated event;
– expenses incurred within your home area except for those specifically mentioned as
being covered under ‘Related Costs Outside or Inside Your Home Area’;
– any further expenses incurred if you choose not to move hospital or return to your
home area after our medical adviser and your treating doctor have deemed it safe
for you to be moved;
– costs of in-patient hospital treatment or being returned to your home area that have
been incurred without the prior permission of our emergency medical service;
– a medical condition if you were travelling against the advice of a doctor, or would
have been travelling against the advice of a doctor if you had sought such advice;
– costs of treatment, tests or surgery (including preventative treatment and cosmetic
or elective surgery) which is not essential in the opinion of our medical adviser or
could reasonably have waited until your return to your home area;
• Any claim where you are travelling in order to receive medical advice or treatment;
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• Any claim which is the result of you not taking:
– necessary medication which you knew at the start of your trip that you would need
while you were away (including costs incurred in obtaining or replacing medication); or
– recommended preventative medication or having the required vaccinations for your
trip destination;
• Any claim for any dental work involving precious metals or dental fittings;
• Any claim for single or private room accommodation, unless it has been deemed
medically necessary by our medical adviser;
• Any claim for treatment or services obtained at a health spa, convalescent or nursing
home or any rehabilitation centre;
• Any claim as a result of:
– you participating in any Sports & Leisure activity unless that activity is detailed as
being covered under the Included Sports & Leisure activities list or had already been
– manual work;
– you riding or driving any motorised vehicle, unless you are licensed to drive that
vehicle type within your home area;
– you using any motorcycle, moped or scooter:
a. if you do not wear a crash helmet;
b. if you are the rider and you do not hold a valid licence to drive that vehicle type
in your home area; or
c. if the vehicle is above 125cc, and it is not your mode of transport from your home
area or if you are not wearing appropriate protective clothing;
d. you using a quad bike or all terrain vehicle as a rider or passenger.
Section 4 – Loss of Passport

or Driving Licence
Costs for issuing a temporary replacement
We will pay up to £750 if your passport is lost, stolen or destroyed on your trip for
reasonable extra travel, accommodation and administration costs that you have to pay
to obtain:
• evidence of your driving licence from the DVLA if your driving licence is lost, stolen or
destroyed while you are on your trip and this is necessary to enable you to continue
your trip; or
• an emergency travel document if your passport is lost, stolen or destroyed while you
are on your trip; and
• a temporary passport or travel permit.
Remaining value of original passport
We will also pay for the equivalent cost (based on the current standard replacement costs)
of the period remaining on your passport that is lost stolen or destroyed.

We will not cover:
• Any claim related to a passport if you have not obtained written confirmation from the
consulate you reported the loss to.
• Any claim related to a driving licence if you have not obtained written confirmation from
the DVLA that you reported the loss to them and when this was.
• Anything mentioned in the General Exclusions section of this policy.
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Section 5 – Delayed Baggage
We will cover you for the cost of essential replacement of toiletries, medication and items
of clothing as well as the temporary hire of replacement sports equipment if your baggage
is temporarily lost for more than four hours following your arrival at your destination.
The most we will pay for each insured person is £650, as follows:
• £100 after four hours;
• A further £150 after 12 hours; and
• A further £400 after 48 hours.
Note:
We will deduct any amounts paid or payable under this section (other than for hire costs)
from any claim you make under Section 6 – Baggage if your baggage is declared to be
permanently lost by the carrier.

We will not cover:
• Any claim unless you obtain a Property Irregularity Report (PIR) from the airline or
a carrier’s report from the rail company, shipping line or their handling agent. You must
do this within seven days of the delay.
• Any claim for the hire of:
– winter sports equipment (cover is available under Section 13 – Winter Sports Cover);
– hire of business equipment (cover is available under Section 14 – Business Cover if
you have added the Business extension upgrade and this has been confirmed by us
in writing);
– hire of golf equipment (cover is available under Section 15 – Golf Cover if you have
added the Golf extension upgrade and this has been confirmed by us in writing);
• Any claim for baggage that is confiscated, detained or delayed by customs or other officials.
• Any claim for baggage that is lost on the day of your return home.
• Any claim where you cannot provide receipts or other proof of purchase for the essential
replacement items purchased.
• Any amounts that you can or have recovered from elsewhere, including from the carrier.
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Section 6 – Baggage
We will pay up to £1,500 in total for your baggage that is lost, stolen or accidentally
damaged during your trip.
The most we will pay in total for valuables is £500, There is also a limit of £300 for any one
item, pair or set. These sub-limits apply in total for the items(s), whether they are jointly
owned or not.
Note:
It will be our decision to pay either:
• the cost of repairing your items;
• to replace your belongings with equivalent items; or
• the cost of replacing your items. An amount for wear, tear and loss of value will
be deducted.
No payment will be more than the original purchase price you paid for the item.

We will not cover:
• An excess of £75 for every claim for each insured person.
• More than the part of the pair or set that is stolen, lost or damaged.
• Any amounts that you can recover from elsewhere;
• Any claim for baggage:
– that you have left unattended unless it has been stolen from your locked private
personal accommodation, a safe or safety deposit box or the locked boot or covered
luggage are of a motor vehicle;
– that is confiscated, detained or delayed by customs or other officials;
• Any claim for valuable items:
– not in your hand luggage or on your person; or
– left in a motor vehicle or tent;
• Any claim for loss or damage caused by:
– wear and tear or loss of value;
– moths or vermin; or
– any cleaning, repairing or restoring process;
• Any claim for:
– property more specifically insured by another policy;
– pedal cycles, motor vehicles, caravans, trailers or water craft;
– musical instruments, antiques, paintings, pictures or furs;
– cracking, scratching or breaking of glass (other than lenses in cameras, binoculars,
telescopes or spectacles), china/ceramics or similar fragile items;
– perishable goods;
– contact lenses, dental or medical fittings or hearing aids;
– personal money, bonds, negotiable instruments, securities or documents (cover is
available for some of these items under Section 7 – Personal Money);
– winter sports equipment (cover is available under Section 13 – Winter Sports Cover);
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– business equipment (cover is available under Section 14 – Business Cover if you
have added the Business extension upgrade and this has been confirmed by us
in writing);
– golf equipment (cover is available under Section 15 – Golf Cover if you have added
the Golf extension upgrade and this has been confirmed by us in writing);
– sports equipment and accessories while in use; or
– the cost of replacing any other pieces that form part of a set.
• Any claim for theft or loss of baggage unless you have reported it to the police within
24 hours of discovering it or as soon as reasonably possible after that and get a police
report from them.
• Any claim if your baggage is lost, stolen or damaged while it is in the care of an airline
unless you get a Property Irregularity Report from them within the time limit shown
in their conditions of carriage.
• Any claim if your baggage is lost, stolen or damaged while it is in the care of a transport
or accommodation provider or an authority, unless you report the loss and get a written
report from them.
• Items claimed where you cannot provide receipts or other proof of purchase.
Section 7 – Personal Money

We will pay up to £500 in total for your personal money that is lost or stolen during
your trip.

We will not cover:
• Compensation unless you can provide receipts and evidence of account withdrawals
for the amount of cash or other form of currency you had.
• Any amounts that you can recover from elsewhere.
• Loss or theft of personal money that you do not report to the police within 24 hours
of discovery or as soon as reasonably possible after that, or which is not supported
by a police report.
• Loss or theft of personal money while in a hotel or other rented accommodation unless
reported to the property management and you have obtained written confirmation
from them of the report.
• Personal money that you have left unattended unless it has been stolen from your
locked private personal accommodation, a safe or safety deposit box.
• Loss caused by a reduction in exchange rates or shortage caused by mistakes in
exchanging currency.
• Any claim for personal money that is confiscated, detained or delayed by customs
or other officials.
• Loss or theft of travellers´ cheques if the place where you got them from provides
a replacement service.
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Section 8 – Personal Accident
We will pay you (or your personal representative) one of the benefits shown below if you are
injured following an accident on your trip and this solely and independently results in your:
• death;
• permanent loss of sight in one or both eyes;
• permanent loss of a limb; or
• permanent total disablement
within 12 months of the accident.
Death
£25,000
Loss of sight
£25,000
Loss of a limb
£25,000
Permanent total disablement
£25,000

We will not cover:
• Anything caused by:
– a sickness or disease, naturally occurring or degenerative condition;
– an anticipated event;
– you participating in any Sports & Leisure activity unless that activity is detailed as
being covered under the Included Sports & Leisure activities list or had already been
– your participation in manual work;
– you riding or driving any motorised vehicle, unless you are licensed to drive that
vehicle type within your home area;
– you using any motorcycle, moped or scooter if:
a. you do not wear a crash helmet;
b. you are the rider and you do not hold a valid licence to drive that vehicle type in
your home area; or
c. the vehicle is above 125cc, and it is not your mode of transport from your home
area or if you are not wearing appropriate protective clothing;
• Any claim as a result of you using a quad bike or all terrain vehicle as a rider or passenger.
• Any claim for permanent total disablement if you had retired before your trip started.
• Any payment for permanent total disablement until at least one year has passed from
the date of the accident.
• We will not pay more than one of the benefits available under this section of cover that
result from the same accident or injury.
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Section 9 – Missed Departure
We will pay up to £1,000 for reasonable additional accommodation and travel expenses
to get you to:
• your trip destination on any part of an outward journey during your trip; or
• return you to your home on your return journey
if you fail to arrive at your departure point in time to board your pre-booked aircraft,
ship or train as a result of:
a. the scheduled public transport or connecting scheduled flight on which you are
travelling to your point of departure not running to timetable; or
b. the private car in which you are travelling being involved in an accident or breaking down.

We will not cover:
• Any claim arising from a strike, any form of industrial action or possible delay that had
been announced or commenced either:
– when you became an insured person; or
– when your trip was booked whichever is the later;
• Any claim where you are travelling in a vehicle that you own and which has not been
serviced and maintained in accordance with the manufacturer’s instructions.
• Any claim unless you:
– get a letter from the public transport provider (if this applies) confirming that the
service did not run on time;
– get confirmation of the delay from the authority who went to the accident or
breakdown (if this applies) affecting the vehicle you were travelling in;
• Your failure to reach the departure point in time due to public transport schedule
changes that had been announced before you left your home to start your trip.
Section 10 – Delayed Departure

Part A – Delayed Departure
We will pay up to £250 for your additional accommodation, travel and refreshment costs if,
after you have checked in, your pre-booked aircraft, ship or train is delayed by more than
four hours beyond the time shown on your travel itinerary at the departure point.
Part B – Abandonment Before Departure
We will pay up to £5,000 for your:
• unused deposits;
• accommodation and travel costs (including car hire, excursions and activities);
• unused kennel, cattery, professional pet sitter; and
• car parking charges
that you have paid or legally have to pay if you choose to abandon your trip because your
pre-booked aircraft, ship or train is delayed beyond the time shown on your travel itinerary
at the point of departure by more than:
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• six hours if your trip is scheduled to last four nights or less; or
• 12 hours if your trip is scheduled to last five nights or more.
Alternatively, you may choose to continue to your intended destination by alternative
means, in which case we will cover you for the lower of the costs so incurred or the amount
it would have cost to abandon your trip.
Part C – Extra Pet Boarding Confidential
We will pay £10 for each 24-hour period up to £200 in total for extra kennel or cattery fees
you have to pay if you are delayed in returning to your home area and are unable to collect
your pet as planned

We will not cover:
• An excess of £75 per insured person for Abandonment Before Departure claims but
there is no excess for Delayed Departure claims;
• Any costs that you can recover from elsewhere, such as compensation, assistance or
refund that should be provided by your carrier or travel agent. If you should be entitled
to such compensation we will not pay any claim unless you provide evidence from them
showing why such compensation was not and will not be given to you;
• Claims for both Delayed Departure and Abandonment Before Departure for the
same event;
• Any claim arising from a strike, any form of industrial action or possible delay that had
been announced or commenced either:
– when you became an insured person; or
– when your trip was booked whichever is the later;
• Claims where you have missed the check in time as shown on your travel itinerary;
• Any claim where the aircraft, ship or train on which you are booked to travel is cancelled
by the carrier;
• Any claim for fees relating to timeshare properties that would be payable whether the
property was booked or not, including management and maintenance fees.
• Costs that you are unable to provide receipts, invoices or other proof of payment for.
Section 11 – Personal Liability

If you are hiring or using a motorised or mechanical vehicle or machinery while on your
trip, you must make sure that you get the necessary insurance from the hire company
or owner. We do not cover incidents related to this under our policy.
We will pay up to £2 million plus any other costs we agree to in writing that relate to
anything you cause during your trip for which you are legally liable and results in one
of the following.
• Bodily injury of any person.
• Loss of or damage to property which you do not own and you or a close relative have
not hired, loaned or borrowed.
• Loss of or damage to the accommodation you are using on your trip that does not
belong to you or a close relative.
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Note:
You must inform us as soon as you or your Personal Representatives are aware of
a possible prosecution, inquest or fatal injury, which might lead to a claim under this section.
Please do not negotiate, pay, settle, admit or deny any liability to any third party, without
our written consent.

We will not cover:
• An excess of £75 per insured person;
• Any liability arising from:
– death or injury to your employees or members of your family;
– loss of or damage to property which is owned by or under the control of you, a member
of your family or your employees;
– ownership or occupation of any land or building (other than occupation of temporary
holiday accommodation;
– your profession, business or employment including voluntary work of any kind; or
– any contractual liabilities.
• Any fines or damages which have been awarded to punish the person responsible
rather than to compensate the affected individual for any losses;
• You owning or using any:
– animal (other than your domestic pets);
– firearm;
– motorised or mechanically propelled vehicles (including towed vehicles);
– vessels (other than manually propelled water craft); or
– aircraft;
• You participating in any Sports & Leisure activity unless that activity is detailed as being
covered under the Included Sports & Leisure activities list or had already been declared
to us and accepted by us in writing;
• Your own deliberate actions or failure to act when you should have;
• Any claim arising from a trip that is solely within your home area;
• You engaging in manual work.
Section 12 – Legal Advice and Expenses

You can call our 24-hr legal helpline for advice on a travel related legal problem to do with
your trip. Phone: UK +44 (0)345 607 5154

If you die, are ill, or injured during your trip and you or your personal representative take
legal action to claim damages or compensation for negligence against a third party we
will do the following:
• nominate an appointed adviser to act for you. If you and we cannot agree on an
appointed adviser, the matter can be referred to an Alternative Resolution Facility.
• pay up to £50,000 legal costs for legal action for you (but not more than £50,000
in total for all insured persons on the trip) for each event giving rise to a claim.
39
Note:
• you must conduct your claim in the way requested by the appointed adviser;
• you must keep us and the appointed adviser fully aware of all facts and correspondence
including any claim settlement offers made to you;
• we will not be bound by any promises or undertakings which you give to the appointed
adviser, or which you give to any person about payment of fees or expenses, without
our consent;
• we can withdraw cover after we have agreed to the claim, if we think a reasonable
settlement is unlikely or that the cost of the legal action could be more than the settlement.

We will not cover:
• Defending your legal rights in claims against you;
• Illness or injury which develops gradually or is not caused by a specific or sudden accident;
• Psychological injury or mental illness unless it results from a specific or sudden accident
that has also caused physical bodily injury to you;
• Any claim:
– where we think a reasonable settlement is unlikely or where the cost of the legal
action could be more than the settlement;
– involving legal action between you and members of the same household, a close
relative, a travelling companion, or one of your employees;
– against a travel agent, tour operator or carrier, us, the insurer, another insured
person under this policy or The Royal Bank of Scotland plc.
– for legal action that we have not agreed to;
– if you withdraw from the claim without our agreement. If this occurs legal costs that
we have paid must be repaid to us and all legal costs will become your responsibility.
Section 13 – Winter Sports

Part A – Ski Pack
We will pay up to £150 per week for your unused and non-refundable expenses of hired
winter sports equipment, lessons from a ski school and ski lift passes if you are unable
to ski as a result of your injury or illness.
Part B – Winter Sports Equipment
We will pay up to £400 for winter sports equipment you own or have hired which is lost,
stolen or accidentally damaged during your trip;
The amount we will pay for replacement of winter sports equipment will be today’s value
less a deduction for wear and tear and loss of value, as follows:
• Up to one year old – 90% of the purchase price
• Up to two years old – 70% of the purchase price
• Up to three years old – 50% of the purchase price
• Up to four years old – 30% of the purchase price
• Up to five years old – 20% of the purchase price
• Over five years old – No payment
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Note:
• the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.
We will also pay up to £200 for a reissue of or replacement lift pass if your lift pass is lost,
stolen or accidentally damaged during your trip.
Part C – Winter Sports Equipment Hire
We will pay up to £200 for the hire of replacement winter sports equipment for the
remainder of your trip if winter sports equipment that you own has been lost, stolen or
accidentally damaged while on your trip, or if it is temporarily lost by your carrier for more
than four hours on your outbound journey.
Part D – Piste Closure
We will pay one of the following if all the pistes in your pre-booked resort are closed due to
lack of snow, too much snow or adverse weather conditions.
• Up to £10 per day for the extra costs of transport or lift passes to get you to an
alternative site; or
• £30 per day compensation if there are no alternative sites available
The most we will pay is £660 for each insured person per trip.
Avalanche
We will pay up to £200 for additional travel and accommodation expenses if your departure
from or arrival in your pre-booked resort is unavoidably delayed by avalanche.

We will not cover:
• An excess of £75 per insured person for every claim under Winter Sports Equipment
only. No excess will be charged for claims for other parts of this section;
• Any costs that you can recover from elsewhere.
• Any claim under Ski Pack where there is, or would be, no valid claim for that medical
condition under Section 3 – Emergency Medical and Associated Expenses;
• Any claim for costs incurred as a result of an anticipated event;
• Any claim as a result of you participating in any Sports & Leisure activity unless that
activity is detailed as being covered under the Included Sports & Leisure activities list
or had already been declared to us and accepted by us in writing;
• Any claim for winter sports equipment:
– that is more than five years old; or
– that is lost, stolen or damaged as a result of your deliberate, wilful or malicious act,
carelessness or neglect;
– caused by wear and tear or loss of value, moths or vermin or any cleaning, repairing
or restoring process; or
– that is left unattended in a motor vehicle.
• Any claim for theft or loss of winter sports equipment that you do not report to the
police within 24 hours of discovery or as soon as reasonably possible after that, or which
is not supported by a police report;
• Any claim if your winter sports equipment is lost, stolen or damaged while it is in the
care of an airline unless you get a Property Irregularity Report from them within the
time limit shown in their conditions of carriage.
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• Any claim if your winter sports equipment is lost, stolen or damaged while it is in the
care of a transport or accommodation provider or an authority, unless you report the
loss and get a written report from them.
• Any claim for Piste Closure where:
– the date you became an insured person or the date when your trip was booked
(whichever is later) is less than 14 days before your departure date; or
– the dates of your trip are outside the normal ski season as defined by the local
piste authority.
Optional Extra Covers (upgrades)

You are not automatically covered for the following sections. If you have any of these covers
in force we will notify you in writing. You will have to pay an additional premium if you need
any of these covers.
Section 14 – Business Cover

Part A – Business Equipment & Business Samples
We will pay up to £3,000 for your business equipment or business samples if they are lost,
stolen or accidentally damaged during your trip.
The most we will pay in total for any one item, pair or set is £1,000.
Note:
be deducted.
Part B – Hiring Replacement Equipment

We will pay up to £500 for you to hire emergency replacement business equipment for the
remainder of your trip if business equipment that you own is lost, stolen or accidentally
damaged during your trip, or if it is temporarily lost for more than four hours on your
outbound journey.
Part C – Replacement Business Colleague
We will pay up to £1,500 for you to be replaced by a colleague (return travel tickets only) if:
a. y
ou are treated as an in-patient for at least three days while you are on a trip; or
b. we pay a claim under Section 2 – Cutting Short Your Trip due to your death, injury or illness.

We will not cover:
• An excess of £75 per insured person for every claim under Business Equipment &
Business Samples only. No excess will be charged for claims under other parts of this
cover section;
• Any claim for costs incurred as a result of an anticipated event;
• Any claim for items more specifically insured by another policy.
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• Any claim for business equipment or business samples:
– that are lost, stolen or damaged as a result of your deliberate, wilful or malicious act,
– that have been left unattended unless they have been stolen from your locked
person private accommodation, a safe or safety deposit box or locked boot or
covered luggage area of a motor vehicle.
– that are confiscated, detained or delayed by customs or other officials;
• Any claim for valuable items:
– left in a motor vehicle or tent.
• Any claim under Replacement Business Colleague where:
– there is, or would be, no valid claim for that medical condition under Section 3 –
Emergency Medical and Associated Expenses;
– it is not supported by relevant medical certificates from a doctor, which must be
obtained at your own expense, as well as any other supporting documents that
we reasonably require in support of your claim; or
– receipts for the travel tickets obtained for your colleague cannot be or have not
been provided.
• Any claim as a result of you participating in any Sports & Leisure activity unless that
activity is detailed as being covered under the Included Sports & Leisure activities list or
had already been declared to us and accepted by us in writing;
• Any claim for theft or loss of business equipment that you do not report to the police
within 24 hours of discovery or as soon as reasonably possible after that, or which is not
supported by a police report;
• Any claim if your business equipment is lost, stolen or damaged while it is in the care of
an airline unless you get a Property Irregularity Report from them within the time limit
shown in their conditions of carriage.
• Any claim if your business equipment is lost, stolen or damaged while it is in the care of
a transport or accommodation provider or an authority, unless you report the loss and
get a written report from them.
• Items claimed where you cannot provide receipts or other proof of ownership.
• More than the market value of your business equipment or business samples at the
time of the loss.
Section 15 – Golf Cover

Part A – Golf Equipment
We will pay up to £1,500 for your golf equipment which is lost, stolen or accidentally
damaged during your trip;
Note:
be deducted.
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Part B – Hiring Replacement Golf Equipment
We will pay up to £250 for the hire of replacement golf equipment for the remainder of
your trip if your own golf equipment has been lost, stolen or accidentally damaged while
on your trip, or if it is temporarily lost by your carrier for more than four hours on your
outbound journey.
Part C – Cancellation or Cutting Short Your Trip Extension
We will extend the cover provided under Section 1 – Cancellation and Section 2 – Cutting Short
Your Trip because you have an injury or illness that prevents you from playing golf. All limits,
conditions, restrictions and exclusions in those sections continue to apply.
Part D – Green Fees
We will pay up to £250 per trip for your unused green fees that have been paid or you legally
have to pay that you are unable to use on your trip because:
• you have an injury or illness that prevents you from playing golf; or
• you have a valid claim under one or more other section of this policy that prevents you
from playing golf.

We will not cover:
• An excess of £75 per insured person for every claim under Golf Equipment only.
No excess will be charged for claims for other parts of this section;
• Any claim as a result of your golf equipment being confiscated, detained or delayed
by customs or other officials;
• Any claim for golf equipment:
– that is lost, stolen or damaged as a result of your deliberate, wilful or malicious act,
– that has been left unattended unless it was stolen from your locked personal private
accommodation, a safe or safety deposit box or locked boot or covered luggage area
of a motor vehicle.
• Any claim for theft or loss of golf equipment that you do not report to the police within
24 hours of discovery or as soon as reasonably possible after that, or which is not
supported by a police report;
• Any claim if your golf equipment is lost, stolen or damaged while it is in the care of an
airline unless you get a Property Irregularity Report from them within the time limit
shown in their conditions of carriage.
• Any claim if your golf equipment is lost, stolen or damaged while it is in the care of a
transport or accommodation provider or an authority, unless you report the loss and get
a written report from them.
• Any claims for green fees unless you provide written confirmation from the golf club that
the booking was not used and the details of any refunds that can or have been provided.
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Section 16 – Wedding Cover
Part A – Wedding Attire
We will pay up to £1,500 per insured couple for wedding attire which is lost, stolen or
accidentally damaged during your trip.
Note:
• the cost of repairing your items; or
• t he cost of replacing your items. An amount for wear, tear and loss of value will
be deducted.
No payment will be more than the original purchase price paid for the item.
Part B – Wedding Rings

We will pay up to £250 per insured couple for the rings to be used during the ceremony
if they are lost, stolen or accidentally damaged during your trip.
Part C – Wedding Gifts
We will pay up to £1,000 per insured couple for wedding gifts you have received during the
trip if they are lost, stolen or accidentally damaged during your trip.
Part D – Photographs and Video Recordings
We will pay up to £750 per insured couple for the additional cost to:
• obtain reprinted photographs or duplicate physical copies of the video recordings if your
original professional photographs or video recordings are lost, stolen or accidentally
damaged during your trip and there is a charge for these to be replaced; or
• hire an alternative professional to take photographs or video recordings of your
wedding if your pre-booked professional photographer is unable to fulfil their
obligations to you due to illness, injury or unforeseen transport problems during
your trip.

We will not cover:
• An excess of £75 per insured couple;
• Any claim for an item covered under this section being confiscated, detained or delayed
by customs or other officials;
• Any claim for wedding attire, wedding rings or wedding gifts:
– that are lost, stolen or damaged as a result of your deliberate, wilful or malicious act,
carelessness or neglect; or
or restoring process.
• Any claim for non-valuable items that have been left unattended unless they were
stolen from your locked personal private accommodation, a safe or safety deposit box
or locked boot or covered luggage area of a motor vehicle;
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• Valuable items that are:
– left in a motor vehicle or tent;
• Any claim for theft or loss of any item that you do not report to the police within 24 hours
of discovery or as soon as reasonably possible after that, or which is not supported by
a police report;
• Any claim if your items are lost, stolen or damaged while in the care of an airline unless
you get a Property Irregularity Report from them within the time limit shown in their
conditions of carriage.
• Any claim if your items are lost, stolen or damaged while in the care of a transport or
accommodation provider, or any authority, unless you report the loss and get a written
report from them.
• Any claims under Photographs and Video Recordings for the hire of an alternative
professional photographer unless you provide written confirmation from the prebooked
professional photographer of the cause of their cancellation and the details of any
refunds that can be or have been provided.
46
General Exclusions
The following apply to the whole of the policy:
We will not pay for claims arising as a result of or from:
1.
Terrorism (except under Section 3 – Emergency Medical and Associated Expenses),
war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be
declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming
the proportions of or amounting to an uprising, military or usurped power.
2. Ionising radiation or contamination by radioactivity from any nuclear fuel or from
any nuclear waste, from combustion of nuclear fuel, the radioactive, toxic, explosive
or other hazardous properties of any nuclear assembly or nuclear component
of such assembly.
3. Loss, destruction or damage directly occasioned by pressure waves caused by aircraft
and other aerial devices travelling at sonic or supersonic speeds.
4. Any epidemic or pandemic except when stated as being covered under Section 1 –
Cancellation, Section 2 – Cutting Short Your Trip, Section 3 – Emergency Medical and
Associated Expenses or Section 13 – Winter Sports Cover.
5. Cyber risks of any kind.
6. Y
our engagement in or practice of the following, unless you have received our prior
agreement in writing (including where listed as being covered under the Included
Sports & Leisure Activities section):
a. manual work in connection with a profession, business or trade;
b. flying except as a fare paying passenger in a fully-licensed passenger carrying
aircraft; or
c. the use of a moped, motorcycle, car, van, lorry or similar motorised vehicle unless a
full United Kingdom, Channel Islands or Isle of Man driving licence is held permitting
the use of such vehicles in your home area and, in the case of a moped or motorcycle,
you and your passenger are wearing a helmet.
7. Y
our engagement in any sport (including winter sports) or leisure activity that is not
in the list of Included Sports and leisure activities on pages 21-24, unless you have
received our prior agreement in writing.
8.
Your wilfully, self-inflicted injury or illness, suicide or attempted suicide, sexually
transmitted diseases, alcohol abuse, solvent abuse, drug use (other than drugs taken
in accordance with treatment prescribed and directed by a doctor, but not for the
treatment of drug addiction), and putting yourself at needless risk (except in an
attempt to save human life).
9. Any pre-existing medical condition and associated conditions (unless terms are
agreed in writing by us).
10. Any claims where as part of any claim investigation, your doctor confirms they would
not have recommended you to travel either on the date you opened your Silver Account,
when you booked your trip, or at the time you travelled (whichever is later).
11. You drinking too much alcohol or alcohol abuse where it is reasonably foreseeable that
such consumption could result in an impairment of your faculties and/or judgement
resulting in a claim. We do not expect you to avoid alcohol on your trips or holidays,
but we will not cover any claims arising because you have drunk so much alcohol that
your judgement is seriously affected and you need to make a claim as a result.
47
12. You climbing on top of, or jumping from a vehicle or jumping from a building or balcony,
or climbing or moving from any external part of any building to another part of the
building or another building (apart from stairs, ramps or walkways) and falling regardless
of the height, unless your life is in danger or you are attempting to save human life.
13. Your own unlawful action or any criminal proceedings against you.
14. Confiscation or destruction of property by any customs, government or other authority
of any country.
15. Any other loss, damage or additional expense following on from the event for which
you are claiming, unless we provide cover under this insurance. Examples of such loss,
damage or additional expense would be the cost of replacing locks after losing keys,
costs incurred in preparing a claim or loss of earnings following bodily injury, illness
or disease.
16. You not following any advice or recommendations made by the Foreign,
Commonwealth and Development Office (FCDO), the World Health Organization,
or any government or other official authority. This includes where:
• Certain vaccinations or other preventative measures (such as malaria tablets)
are recommended;
• The FCDO have advised against all travel or all but essential travel;
• ou have travelled against the advice of a local authority at any destination you are
Y
travelling from, through or to.
For further details on FCDO travel advice, visit: gov.uk/foreign-travel-advice
17. We will not provide cover, be liable to pay any claim or provide any benefit where doing
so would expose us, the insurer or members of the Allianz Group to:
a. Any sanctions, prohibitions or restrictions under United Nations resolutions; or
b. The trade or economic sanctions, laws or regulations of the European Union,
United Kingdom, or United States of America.
18. Any unused or additional costs incurred by you which are recoverable from anywhere
else, including:
• The providers of the accommodation, their booking agents, travel agent or other
compensation scheme;
• The providers of the transportation, their booking agents, travel agent,
compensation scheme, ABTA (The Travel Association) or Air Travel Organisers’
Licensing (ATOL);
• Your credit or debit card provider or Paypal; or
• Any excursion provider, event ticketing agent or promoter.
19. Political risks of any kind.
20. Something that happened before you became an insured person under this policy
or before any part of your trip was booked (whichever is later) and which could
reasonably have been expected to be the reason for a claim, unless we agreed to
it in writing.
48
General Conditions
The following conditions apply to the whole of your policy. Please read these carefully as
we can only pay your claim if you meet these:
1.
Cover under this policy only applies if you are aged under 70 years old, unless you have
purchased the Age Extension upgrade.
2. The maximum duration of any one trip is 22 consecutive days. If any trip exceeds
your trip duration limit, we will not provide cover for any part of that trip beyond the
covered trip duration. This includes not providing cover for any claims where you
cannot provide evidence that the incident date occurred before the expiry of the
covered trip duration.
3. Cover under this policy is only available if you are a resident of the UK, Channel Islands
or the Isle of Man and your home is in one of these countries.
4.
This policy is only valid for trips commencing from and returning to your home area.
5.
Cover under this policy is automatically extended if you are unable to return home
by the end of the period of insurance due to a reason covered by this policy, provided
you return home at the earliest opportunity.
6. Cover for permitted winter sports activities is provided up to a maximum of 22 days
in total for each insured person per trip. See page 40 for more details of the activities
we cover.
7.
This policy is only valid for trips taken within your home area if you have prebooked
accommodation for two nights or more.
8. W
e and your bank account provider may cancel your cover under this policy by
closing your account. Details can be found in the Royal Bank of Scotland Your Current
Account Terms document.
9. Y
ou must take reasonable care to protect yourself and your property against accident,
injury, loss and damage and act as if you are not insured and to minimise any potential
claim.
10. You must contact us as soon as possible with full details of anything which may result
in a claim and give us all the information we ask for. Please see the ‘Making a claim’
section on pages 51-53 for more information.
11. You must not admit liability for any event, or offer to make any payment, without our
prior written consent.
12. The terms of this policy can only be changed if we agree in writing. We may require
you to pay an additional premium before making a change to your cover, such as for
an upgrade or pre-existing medical condition endorsement.
13. Your bank account provider may from time to time notify you of a change of travel
insurer. If your travel insurer changes, this policy (including any upgrades or
endorsements) will come to an end and a new policy (including any applicable
upgrades or endorsements) will be automatically put in place with the new travel
insurer. You will always receive at least 30 days’ notice of this change.
49
We have the right to do the following:
1.
In conjunction with your bank account provider, cancel your cover if you tell us
something that is not true, which influences our decision as to whether cover can be
offered or not.
2. Cancel any upgrades or endorsements and make no payment if you, or anyone acting
for you, make a claim under this policy knowing it to be dishonest, intentionally
exaggerated or fraudulent in any way, or if you give a false declaration or deliberate
mis-statement when applying for upgrades or endorsements or supporting your claim.
We may in these instances report the matter to the police.
3. Take legal action in your name (but at our expense) and ask you to give us details
and fill in any forms which will help us to recover any payment we have made under
this policy.
4. With your or your Personal Representative’s permission, get information from your
medical records to help us or our representatives deal with any claim. This could
include a request for you to be medically examined or for a post-mortem to be carried
out in the event of your death. We will not give personal information about you to any
other organisation without your specific agreement.
5. Send you home at any time during your trip if you are taken ill or injured. We will only
do this if the doctor treating you and our medical advisers agree. Cover under this
policy for your trip will end immediately if you refuse to be repatriated.
6. Not accept liability for costs incurred for repatriation or treatment if you refuse to
follow advice from the treating doctor and our medical advisers.
7. Not to pay any claim on this policy (except under Section 8 – Personal Accident) for
any amounts covered by another insurance or by anyone or anywhere else, for example
any amounts you can get back from private health Insurance, any reciprocal health
agreements, transport or accommodation provider, home contents insurer or any other
claim amount recovered by you. In these circumstances, we will only pay our share
of the claim.
50
Making a Claim
The quickest and easiest way to make a claim, is to visit the Allianz Assistance Hub where
you can complete an online claim form. Alternatively, you can ask for a claim form by:
Phone: UK +44 (0)345 607 5154
or
Writing to: A
llianz Assistance, Travel Insurance Claims Department, PO Box 451,
Feltham TW13 9EE.
You should fill in the form and send it to us as soon as possible with all the information and
documents we ask for. You must provide us with as much detail as possible to enable us to
handle your claim quickly. Please keep copies of all information you send us.
You will need to obtain some information to support your claim. Below is a list of actions
you will need to take and documents we will need in order to deal with your claim. Further
information and/or evidence may be required by us after your claim has been submitted.
If this is the case, we will inform you as quickly as possible.
For all claims
•
Your trip booking invoice(s) and travel documents showing the dates and times
of travel.
• Receipts, invoices and accounts for all out-of-pocket expenses you have to pay.
• Original bills or invoices you are asked to pay.
• Details of any other insurance you may have that may cover the same loss, such as
household or private medical.
• As much evidence as possible to support your claim.
• If you have decided to travel despite the Foreign, Commonwealth and Development
Office advising against all but essential travel, we will need evidence of why you believe
your travel should be considered essential. Examples of what we consider to be
essential travel are if:
– A close relative is in intensive care in hospital or has unexpectedly been given
a terminal prognosis with a short life expectancy;
–
A close relative has died and you need to attend the funeral;
– our property abroad has been seriously damaged and you need to arrange
Y
and/or oversee professional repairs;
– ou have an urgent work matter that cannot reasonably be cancelled, postponed
Y
or delayed;
– ou have a full-time but short-term placement at a recognised educational
Y
establishment where attendance must be in person.
If you are unsure whether the purpose of your travel would be considered as essential or
want to discuss any other aspect of the policy cover, please contact us by visiting the
Allianz Assistance Hub, alternatively
Phone: UK +44 (0)345 607 5154 or
Write to: Allianz Assistance, 102 George Street, Croydon, CR9 6HD.
51
Cancellation
•
Cancellation invoice(s) from all of your travel and accommodation providers detailing
all cancellation charges incurred.
• For claims relating to illness or injury, a medical certificate will need to be completed
by the patient’s GP/treating doctor. A certified copy of the death certificate is required
in the event of death.
•
If your claim results from any other circumstances, please provide independent
evidence of these circumstances.
Cutting Short Your Trip
• If you need to cut short your trip, please call UK +44 (0)208 666 9277 as soon
as possible to get our prior agreement.
• our booking invoice(s) showing your revised time and date of departure and detailing
Y
whether any refunds can be provided.
• For claims relating to illness or injury a medical certificate will need to be completed
by the treating doctor. A copy of the death certificate is required in the event
of death.
• If your claim results from any other circumstances, please provide independent
evidence of these circumstances.
Emergency Medical and Associated Expenses
• Always contact our 24-hour emergency medical service when you are hospitalised,
require repatriation or where medical fees are likely to exceed £500.
• Medical evidence from the treating doctor to confirm the illness or injury and
treatment given, including hospital admission and discharge dates, if this applies.
• A copy of your European Health Insurance Card (EHIC) or Global Health Insurance
Card (GHIC) (if this applies).
Loss of Passport or Driving Licence
• A receipt from the Embassy or Consulate confirming the cost of the emergency
replacement passport or driving licence.
• A written report from the police if your passport or driving licence is stolen.
• Written confirmation from the Passport Office and/or DVLA of when you reported the
passport or driving licence as lost or stolen.
Delayed Baggage
• Report the loss to the travel carrier and obtain a written report from them. For airlines,
you must obtain a Property Irregularity Report (PIR) from the airline or their handling
agent. This should be done within 7 days of any delay, loss or damage. You then have
21 days to write to the airline confirming the details of any essential replacement
items purchased.
• Original receipts, vouchers or other suitable evidence of purchase for essential
replacement items.
Baggage and Personal Money
(including winter sports equipment, golf equipment, business equipment and items
covered under Section 16 – Wedding Cover)
• Report the theft, damage or loss to the police within 24 hours of discovery, ask them
for and obtain a written police report.
• If applicable, you should also report the theft, damage or loss to your travel carrier, tour
operator, handling agent or accommodation manager and ask for a written report.
52
• For delays, losses and damage whilst in the care of a travel carrier, report this as soon
as possible and obtain a written report from them. For airlines specifically, you must
obtain a Property Irregularity Report (PIR) from the airline or their handling agent. This
should be done within 7 days of any delay, loss or damage. You then have 21 days to
write to the airline confirming the details of any essential replacement items purchased.
• Original receipts, vouchers or other suitable evidence of purchase/ownership/value for
lost, stolen or damaged baggage.
• Keep any damaged items as we may need to inspect them. If we make a payment or
we replace an item, the item will then belong to us.
• Obtain an estimate for repair for all damaged items.
• Block lost or stolen mobile phones with your network provider and obtain written
confirmation of this action from them.
Personal Accident
• A detailed account of the circumstances surrounding the event, including photographs
and video evidence (if this applies).
• Medical evidence from the treating doctor to confirm the extent of the injury and
treatment given, including hospital admission/discharge.
• Full details of any witnesses, providing written statements where available.
• A certified copy of the death certificate, if this applies.
Missed Departure
• A detailed account of the circumstances causing you to miss your departure
together with supporting evidence from the public transport provider or accident/
breakdown authority attending the private vehicle you were travelling in.
Delayed Departure
• Written confirmation from the airline, rail company, coach operator, cruise/shipping line
or their handling agent of the scheduled and actual departure times and why the
departure was delayed.
• Your additional accommodation booking invoice(s) showing your dates of stay.
Personal Liability
• A detailed account of the circumstances surrounding the claim(s), including
photographs and video evidence (if this applies).
• Any writ, summons or other correspondence received from any third party.
NOTE: You should not admit liability, offer to make any payment or correspond
with any third party without our written consent.
•
Full details of any witnesses, providing written statements where available.
Legal Expenses
• A detailed account of the circumstances surrounding the event, including
photographs and video evidence (if this applies).
• Any writ, summons or other correspondence you receive from any third party in
connection with your claim. You should not reply to any correspondence without
our permission in writing.
• The full details of any witnesses and any available written statements from them.
53
How to Complain
We aim to provide a first-class policy and service. If you feel that we have not done so,
please tell us so that we can do our best to solve the problem. Making a complaint does
not affect your right to take legal action against us.
Step 1
Write to: Customer Service, Allianz Assistance, 102 George Street, Croydon CR9 6HD.
Phone: UK +44 (0)208 603 9288
Please give us your name, address, your Royal Bank of Scotland Silver Account number
and branch sort code and/or claim number (if you have one), and enclose copies of
relevant correspondence between you and us, as this will help us to deal with your
complaint as quickly as possible.
Step 2
If you are not satisfied with the final response you get to your complaint, you can refer
it to the UK Financial Ombudsman Service.
Write to: Financial Ombudsman Service, Exchange Tower, London E14 9SR.
Phone: 0800 023 4567 or UK +44 (0)300 123 9123
Website: www.financial-ombudsman.org.uk
54
Data Protection Notice
We care about your personal data.
This summary and our full privacy notice explain how Allianz Assistance protects
your privacy and uses your personal data. Our full privacy notice is available at
www.allianzassistance.co.uk/privacy-notice/
If a printed version is required, please write to Customer Service (Data Protection),
Allianz Assistance, 102 George Street, Croydon CR9 6HD.
• ow will we obtain and use your personal data?
H
We will collect your personal data from a variety of sources including:
– Data that you provide to us;
– Data from your bank and;
– Data that may be provided about you from certain third parties, such as event ticket
sellers in the instance of a missed event policy.
e will collect and process your personal data to comply with our contractual and
W
regulatory obligations and/or for the purposes of our legitimate interests including:
– Entering into or administering contracts with you;
– Informing you of products and services which may be of interest to you.
• Who will have access to your personal data?
We may share your personal data:
–
With public authorities, other Allianz Group companies, industry governing
bodies, regulators, fraud prevention agencies and claims databases, for
underwriting and fraud prevention purposes;
– With your bank for contractual, regulatory and legal obligations including for the
performance of our services;
– With other service providers who perform business operations on our behalf;
–
Organisations who we deal with which provide part of the service to you such
as your car hire company;
– To meet our legal obligations including providing information to the relevant
ombudsman if you make a complaint about the product or service that we have
provided to you.
We will not share information about you with third parties for marketing purposes
unless you have specifically given us your consent to do so.
• How long do we keep your personal data?
We will retain voice recordings for a maximum of two years and your other personal
data will be kept for a maximum of seven years from the date the insurance relationship
between us ends. If we are able to do so, we will delete or anonymise certain areas of
your personal data as soon as that information is no longer required for the purposes
for which it was obtained.
•
Where will your personal data be processed?
Your personal data may be processed both inside and outside the United Kingdom
(UK) or the European Economic Area (EEA).
55
Whenever we transfer your personal data outside the UK or the EEA to other Allianz Group
companies, we will do so on the basis of Allianz’s approved binding corporate rules (BCR).
Where Allianz’s BCR do not apply, we take steps to ensure that personal data transfers
outside the UK or the EEA receive an adequate level of protection.
• hat are your rights in respect of your personal data?
W
You have certain rights in respect of your personal data. You can:
–
Request access to it and learn more about how it is processed and shared;
– Request that we restrict any processing concerning you, or withdraw your
consent where you previously provided this;
– Request that we stop processing it, including for direct marketing purposes;
– Request that we update it or delete it from our records;
– Request that we provide it to you or a new insurer; and
– File a complaint.
• utomated decision making, including profiling
A
We carry out automated decision making and/or profiling when necessary.
• How can you contact us?
If you would like a copy of the information that we hold about you or if you have any
queries about how we use your personal data, you can contact us as follows:
By post: Customer Support (Data Protection), Allianz Assistance,
102 George Street, Croydon CR9 6HD
By telephone: 0208 603 9853
By email: [email protected]
56
Details About Our Regulator
Allianz Assistance is a trading name of AWP Assistance UK Ltd, Registered in England.
Registration no: 1710361 Registered office: PO Box 74005, 60 Gracechurch Street,
London EC3P 3DS.
AWP Assistance UK Ltd is authorised and regulated by the Financial Conduct Authority
(FCA) under registration no 311909.
AWP P&C SA is authorised and regulated by L’Autorité de Contrôle Prudentiel et de
Résolution in France. Authorised by the Prudential Regulation Authority (PRA). Subject
to regulation by the FCA and limited regulation by the PRA. Details about the extent of
our regulation by the Prudential Regulation Authority are available from us on request.
Allianz Assistance acts as an agent for AWP P&C SA for receiving money from customers,
settling claims and handling premium refunds.
57
Braille, large print or audio format?
If you’d like this information in another format,
call us on 03457 24 24 24
(Relay UK 18001 03457 24 24 24)
Silver Account Travel Insurance is underwritten by AWP P&C SA and is administered in the
UK by Allianz Assistance. Allianz Assistance is a trading name of AWP Assistance UK Ltd,
Registered in England. Registration no: 1710361 Registered office: PO Box 74005,
60 Gracechurch Street, London EC3P 3DS.
AWP Assistance UK Ltd is authorised and regulated by the Financial Conduct Authority (FCA)
under registration no 311909.
AWP P&C SA is authorised and regulated by L’Autorité de Contrôle Prudentiel et de Résolution
in France. Authorised by the Prudential Regulation Authority (PRA). Subject to regulation by
the FCA and limited regulation by the PRA. Details about the extent of our regulation by the
Prudential Regulation Authority are available from us on request.
The Royal Bank of Scotland plc. Registered office: 36 St Andrew Square, Edinburgh EH2 2YB.
Registered number: SC083026, Scotland. Authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
rbs.co.uk
P669252 RBS201438 January 2024

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Silver Travel

How your policy works

Demands and needs statement

Premiums, fees and charges

Renewals for a medical condition

Financial Services Compensation Scheme (FSCS)

Contracts (Rights of Third Parties) Act 1999

Changes to your insurance or to upgrade your cover

Cover Limit (up to) Excess

7 Personal money £500 £75

9 Missed departure £1,000 £75

11 Personal liability £2 million £75

Optional Extra covers (upgrades) Limit (up to) Excess

Baggage – Personal possessions or valuable items.

In the last 12 months have/are you or any other insured person:

Sports & Leisure Activities

Land, air or water based

Additional Sports & Leisure Activities

What you are covered for

What you are not covered for

Section 2 – Cutting Short Your Trip

What you are covered for

What you are not covered for

Section 3 – Emergency Medical and

What you are covered for

What you are not covered for

Section 4 – Loss of Passport

What you are not covered for

What you are not covered for

What you are not covered for

Section 7 – Personal Money

What you are not covered for

What you are not covered for

What you are not covered for

Section 10 – Delayed Departure

What you are not covered for

Section 11 – Personal Liability

What you are not covered for

Section 12 – Legal Advice and Expenses

What you are covered for

What you are not covered for

Section 13 – Winter Sports

What you are not covered for

Optional Extra Covers (upgrades)

Section 14 – Business Cover

Part B – Hiring Replacement Equipment

What you are not covered for

Section 15 – Golf Cover

What you are not covered for

Part B – Wedding Rings

What you are not covered for

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