• Insurance Certificate: This contains full details of the cover provided plus the conditions and exclusions that apply to it. You must read the insurance certificate carefully.
   
• Conditions, Exclusions and Warranties: there are conditions and exclusions that apply to individual sections and general conditions, exclusions and warranties which apply to the whole certificate.
   
  
• Fraudulent Claims: the making of a fraudulent claim is a criminal offence.
   
• Date Recognition Failure: your certificate contains exclusions for losses arising from the failure of equipment to correctly recognise the calendar date, such as the change to the Year 2000.
   
• Medical Expenses: please note this section does not provide private health care unless specifically approved by the emergency service.
   
• Health: the certificate contains conditions relating to the health of the people travelling and others upon whose well being the trip may depend. It may be that you are required to disclose the condition of such people prior to cover being issued and you must be aware that failure to disclose such matters will prejudice your position.
   
• Property Claims: These are settled on an indemnity basis – not a ‘new for old’ or replacement cost basis, unless otherwise stated in the certificate.
   
• Certificate Limited: most sections of the certificate have limits on the amount the Insurer will pay under that section. Some sections also include inner limits e.g. for one item, or for Valuables in total.
   
• Certificate Excesses: claims under most sections of the certificate will be subject to an excess. Where there is an excess, you will be responsible for paying the first part of a claim.
   
• Reasonable Care: you are required to take all the responsible care to protect yourself and your property and to act as though you are not insured.
   
• Complaints: the insurance certificate includes a Complaints Procedure, which tells you what steps you can take if you wish to make a complaint.
   
• ‘Cooling Off’ Period: your certificate contains a ‘cooling off’ period which allows you to return the certificate and obtain a full refund if you have justifiable reason to be dissatisfied with the cover provided.
   
• Hazardous Holiday Activities: the certificate may not cover you when you take part in certain hazardous activities e.g. Scuba Diving. If you want cover for such activities you may need to arrange a specialist policy.
   
• UK Law allows the parties to choose the law applicable to the contract. The contract will be subject to English Law unless otherwise agreed.

      PLEASE ENSURE YOU READ YOUR INSURANCE CERTIFICATE CAREFULLY