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, insurance cancellation cover (if shown on your insurance schedule) starts on the date of issue 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 (if shown on your insurance schedule) 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.  The start and finish dates of the trip must fall within the 12 month period of insurance. For trips booked during the 12 month period and that start after the end of the 12 month period, we will provide cancellation cover until the policy ends. 

For single trip policies, the insurance for personal belongings and equipment, techno pack, trip cancellation , travel delay, missed departure and travel disruption is only valid if you have insured the whole duration of each individual trip, as shown on your policy schedule. If you are insuring a shorter period than your full trip duration, only the medical and accident expenses section will apply. We will not be liable for expenses incurred for any accident, injury or illness that did not occur within the dates specified on the schedule of insurance. We will not be liable for any expenses incurred after the expiry date shown on the schedule of insurance.

Trips in the United Kingdom are only covered when there is 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. 

WE, OUR, US: Ageas Insurance Limited and the other insurers.

YOU, YOUR: Each insured person named on the travel insurance schedule for whom the correct premium has been paid.

HOME: The address where you live in the United Kingdom.

BOOKED SCHEDULED TRANSPORT: The following regular scheduled forms of transport: train, coach, bus, aircraft or sea vessel which run to a timetable and where you are a fare paying passenger, and pre booked taxis.

VALUABLES: Jewellery, furs, gold and silver items, watches, binoculars and musical instruments.

ELECTRONIC/TECHNO PACK: Electronics/Techno Pack is defined as any photographic, video, audio or electronic equipment including mp3 players, electronic games, tablet devices, computers (including 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: Mother, father, sister, brother, wife, husband, civil partner, daughter, son, grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, step parent, step child, step sister, step brother, foster child, legal guardian, common lawpartner(defined as living together at the same address and including same sex relationships) or fiancé/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.

PRE-EXISTING MEDICAL CONDITION: An existing medical condition is one which:

•       has resulted in referral to a hospital or consultant in the last 12 months; or

•       your prescribed medication to treat, manage or prevent a condition, symptoms or disorder has changed in the last 12 months; or

•       you are on a hospital waiting list or awaiting the results of tests or investigations; or

•       if it is a cardiac or respiratory condition for which you take more than 2 prescribed medications; or

•       may be an undiagnosed medical condition but where you are aware of symptoms and you are awaiting diagnosis; or

•       a terminal prognosis has been given.

Please see Important Information about Pre Existing Medical Conditions on page 7 for more details.

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.

PERMANENT TOTAL DISABILITY: Total and permanent disability which medical evidence confirms will prevent you undertaking paid work of any and every kind for the rest of your life.

UNATTENDED: Where you are not in a position to prevent unauthorised interference with the theft or damage to your property.

TRIP: Your holiday or business trip that starts and finishes from your home address in the United Kingdom. The start and finish dates of the trip must fall within the period of insurance.

UNITED KINGDOM: Great Britain and Northern Ireland, Channel Islands and the Isle of Man.

EXCESS: The amount(s) you will have to pay towards any claim. This applies to each section claimed under (if applicable), per insured person, per insured incident.