General exclusions and general conditions

General exclusions applying to all sections

(applicable to policies issued from 1st August 2025 onwards, for policies issued before this date please refer to the policy document sent with your original policy confirmation)

The details below are for information purposes only – please refer to the policy wording document sent with your policy email confirmation.

 

YOU ARE NOT COVERED FOR THE FOLLOWING:

  1. Any claims arising from routine treatment or care which could reasonably be expected to arise during your period of insurance.
  2. Any claim related to an incident that you were aware of at the time you took out this insurance or booked your trip (whichever is later) and which could lead to a claim.
  3. Any claim that results from the tour operator, airline, or any other company, firm, or person not being able or not being willing to carry out any part of their obligation to you.
  4. You travelling contrary to the regulations of your transport provider.
  5. Indirect losses, which result from the incident that caused you to claim. For example replacing locks if you lose your keys.
  6. If you receive payment from someone or somewhere else, we will take this off your claim. This does not apply to Personal Accident.
  7. Any epidemic or pandemic except as expressly covered under the Medical, repatriation and other expenses and If your trip is cancelled or cut short Sections.
  8. You not following any advice or recommendation made by the Foreign, Commonwealth and Development Office (FCDO), World Health Organization (WHO) or any government or other official authority. This includes where:        
    • Certain vaccinations or other preventative measures (such as malaria tablets) are recommended.
    • The FCDO has advised against​: all travel; or all but essential travel (unless the purpose of your journey is necessary, urgent and cannot be postponed. Evidence of this will be required see Making a claim);
    • You have travelled against the advice of a local authority at any destination you are travelling from, through or to.
    • For further details on FCDO travel advice, visit: gov.uk/foreign-travel-advice ​
  9. Additional expenses e.g. telephone calls, taxi fares, meals and refreshments or loss of earnings.
  10. You not enjoying your trip or not wanting to travel.
  11. You acting in an illegal or malicious way.
  12. Your property being held, taken, destroyed or damaged under the order of any government or customs officials.
  13. Any claim caused directly or indirectly by:
  • ionising radiation or radioactive contamination from nuclear fuel or nuclear waste, or any risk from an explosive nuclear device or other nuclear equipment;
  • your property being held, taken, destroyed or damaged under the order of any government or other authority;
  • pressure waves caused by aircraft or other flying machines travelling at sonic or supersonic speeds;
  • war, invasion, hostilities (whether war is declared or not), civil unrest, revolution insurrection, military force, coup d’etat, terrorism (this does not apply to claims made under the Medical, repatriation and other expenses Section) or weapons of mass destruction;
  • the use, release or threat of any nuclear weapon or device or chemical or biological agent;
  • leaving your valuables or money and documents unattended;
  • any currency exchange rate changes;
  • cyber risks of any kind.
  1. Any claim relating to a Pre-existing medical condition.
  2. Any claim for a trip involving the insured person travelling for the purpose of their business or profession, and/or any business travel unless the Insured person has purchased the appropriate coverage option.

General conditions applying to all sections 

You will only be covered if you meet the following conditions 

  1. You must follow any recommendations, laws or regulations made by any government or other authority both before and during the period of insurance, including government regulations that you must not travel and leave the United Kingdom during a pandemic lockdown situation. If you chose to travel against United Kingdom Government lockdown travel regulations, or against Foreign, Commonwealth and Development Office travel advice, you will not be covered for any claim you make.
  2. You must do all that you can to keep your claims as low as possible and to prevent theft, loss and damage.
  3. If we pay any expenses which you are not covered for, you must pay these back within a month of our request for reimbursement.
  4. If you, or anyone acting for you, deliberately make a false claim or statement, and this influences our decision to provide cover, We have the right to cancel this policy and refuse claim payment. We may also report the matter to the police.
  5. We may take action against someone in your name to get compensation or security for loss, damage or expenses covered by this insurance. You will not pay anything towards this action, but any amount or security handed over will belong to us.
  6. All the sums insured and limits set out in this policy include VAT.
  7. Unless agreed otherwise, English law will apply and all communications and documentation in relation to this policy will be in English. In the event of a dispute concerning this policy the English courts shall have exclusive jurisdiction.
  8. The premium for this insurance includes insurance premium tax where necessary.
  9. If we pay a claim because your trip is cancelled, we will not pay a claim under any other section of the policy for the same trip.
  10. You must have your main home in the United Kingdom, the Channel Islands or Isle of Man.
  11. You must be aged 75 years or under:
    1. at the date your policy was issued for single trip policies
    2. at the start date of your policy for annual multi- trip policies.
  12. You accept that for annual multi-trip policies, there is no cover for any part of a trip that exceeds the 31 day single trip limit (45 days, 60 days or 90 days if you have paid the extra premium to extend this limit).
  13. You accept that we shall not liable to provide the insurance or to pay claims under this policy where to do so would breach applicable sanctions, prohibitions or restrictions under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, England and Wales and the United States of America