Wherever the following words and phrases appear in this
policy they will always have the meanings shown below.
Period of insurance Other
than for annual multi-trip insurance, cancellation cover
(Options C & D only) starts on the start date shown
on your Insurance Schedule. All other cover begins when
you leave home to go on your trip and lasts until you return
home, as long as that is within the period of insurance
paid for.
For annual multi-trip insurance, cancellation cover (Options
C & D only) starts when you book each trip or on the
start date shown on your Insurance Schedule, if this is
later. Cover under all other sections of the policy begins
when you leave home to go on your trip and ends when you
return home from that trip. Each trip must be shorter than
31 days unless an extension has been agreed. The start and
finish dates of the trip must fall within the 12-month period
of insurance. Trips in the UK are only covered whilst taking part
in the sporting activity shown as your 'main activity' on your
schedule of travel insurance or must involve
at least one night’s accommodation which you have booked
and
paid for in advance.
Extension We will extend the
period of insurance by up to 30 days at no extra
cost if you have to stay away longer because of events which
you have no control over. If the transport which you are
on is hijacked, we will automatically provide worldwide
cover and the period of insurance will continue for up to
12 months without extra charge.
The Declaration and limits
of cover apply to each trip separately. Annual multi-trip
insurance includes skiing or snowboarding cover up to the
number of weeks specified on the Insurance Schedule.
We, our, us Fortis Insurance
Limited and DAS Legal Expenses Insurance Company Limited
for the Legal Expenses section.
You, your Each insured person
named on the travel insurance schedule for whom the correct
premium has been paid.
Home The address where you
normally live.
Valuables Jewellery, furs, gold and silver items and watches.
Techno Pack Techno Pack is defined as any photographic or electronic equipment including mp3 players, video game players, lap top computers and mobile phones other than clothing, footwear, baggage or valuables which are covered under the Personal Belongings heading. Avalanche transceivers, GPS units, dive computers and emergency satellite phones are covered under the Activity Equipment heading.
Activity equipment Any equipment necessary for the pursuit of an insured activity including avalanche transceivers, GPS units, dive computers and emergency satellite phones other than clothing, footwear, baggage and valuables which are covered under the personal belongings section..
Close relative Your husband,
wife, civil partner, parent, parent-in-law, relative child, brother, sister,
fiancé or fiancée.
Business associate Anyone
who works at your place of business and who, if you were
both away from work at the same time, would prevent the
business from running properly.
Accidental injury Bodily injury
caused by accidental external violent and visual means.
This does not include sickness or disease or any naturally
occurring condition.
Kidnap The taking away of a person against the person’s will,
usually to hold the person in false imprisonment (confinement without legal authority) for
ransom or in furtherance of another crime
Hijack To illegally
take control by force of an aircraft or sea vessel you are travelling in and divert it to a
different destination
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