Policy definitions


(applicable to policies issued from 3 October 2022, for policies issued before this date please refer to the policy document sent with your original policy confirmation)

Wherever the following words and phrases appear in this policy they will always have the meanings shown below. 

Accidental injury: 

Bodily injury caused by accidental external violent and visual means. This does not include sickness or disease or any naturally occurring condition. 

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. 

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. 

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. 


Flood, earthquake, explosion, tsunami, volcanic eruption, landslide, avalanche, hurricane, cyclone or storm. 

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 law partner(defined as living together at the same address or fiancé/fiancée. 

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). 

Cyber risk: 

  • Any unauthorised, malicious or illegal act (or the threat of such 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. 


A contagious disease recognised by the World Health Organization (WHO) or an official government authority. 


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. 


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 insured under this policy. 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. 


To illegally take control by force of an aircraft or sea vessel you are travelling in and divert it to a different destination. 


The address where you live in the United Kingdom. 

Package holiday: 

The pre-arranged combination of at least two of the following components when sold or offered for sale at an inclusive price and when the service covers a period of more than 24 hours or includes: 

  • transport
  • overnight accommodation 
  • other tourist services not related to transport or accommodation (e.g. car hire or airport parking) and accounting for a significant proportion of the package 


An epidemic that is recognised or referred to as a pandemic by the World Health Organization (WHO) or an official government authority. 

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. 

Period of insurance: 

Other than for annual multi-trip 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 be no longer than 31 days (45, 60 or 90 days if you have paid the extra premium to extend this limit) and 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 insurance 

The insurance cover is only valid if you have insured the whole duration of the individual trip, as shown on your policy schedule. 

Trips in the United Kingdom are only covered when there is at least one night's accomodation which you have booked and paid for in advance.

Pre-existing medical condition: 

An existing medical condition is: 

  • any medical condition (including psychological conditions such as stress, anxiety and depression), which has resulted in referral to a hospital or consultant in the last 12 months.
  • any medical condition for which your prescribed medication to treat, manage or prevent a condition, symptoms or disorder has changed in the last 12 months.
  • any medical condition for which you are on a hospital waiting list or awaiting the results of tests or investigations.
  • any cardiac or respiratory condition for which you take more than 2 prescribed medications. 
  • any undiagnosed medical condition where you are aware of symptoms and you are awaiting diagnosis.
  • any medical condition where a terminal prognosis has been given.


Mandatory involuntary confinement by order or other official directive of a government, public
or regulatory authority, or the captain of a commercial vessel on which you are booked to travel during your trip, which is intended to stop the spread of a contagious disease to which you or a travelling companion have been exposed. 

Techno pack: 

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. 


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. 


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

United Kingdom: 

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


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

We, our, us: 

Allianz Assistance who administer the insurance on behalf of the insurer shown on page 5. 

You, your: 

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