| Assistance Services |
Services offered by the Medical Assistance Company including making suitable medical arrangements, assistance for children at Home, advance for Bail Bonds, transmission of emergency messages.
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| Baggage and Property |
Personal property taken or purchased on the Trip by the Insured.
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| Benefits |
The amount payable in respect of a covered claim.
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| Cancellation |
Cancellation of the Trip resulting from an unforeseen occurrence.
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| Child |
A person aged 18 or under.
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| Claims Handler |
The loss adjusters named on the policy certificate.
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| Close Business Associate |
A person working for the same company and in the same office as the Insured or Travelling Companion.
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| Curtailment |
To cut short the Trip by returning Home earlier than the planned date of return.
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| Date of Issue |
Date shown on the quote or policy certificate as to when it was issued.
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| Excess |
The part of each and every claim which is the responsibility of the Insured.
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| General Exclusion |
Something which is not covered by the insurance and relates to every section of the Policy.
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| Hijack |
The Insured being detained against their will by Hijack on an aircraft or sea vessel.
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| Home |
The Insured’s place of residence in the British Isles.
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| Hospital Sundries |
The amount payable for each 24 hour period the Insured is a hospital in-patient.
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| Insured |
Persons shown on the quote or policy certificate.
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| Legal Expenses |
Costs incurred by the Insured in pursuit of legal proceedings against third parties.
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| Level of Cover |
The amount up to which the Insured is covered under any particular Section of the Policy.
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| Loss (in Section 6) |
Death, Loss of One or More Limbs or Both Eyes or Permanent Disability.
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| Loss of Both Eyes |
The complete and irrecoverable loss of sight of both eyes.
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| Loss of One or More Limbs |
Loss by physical severance of a hand at or above the wrist or a foot at or above the ankle.
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| Loss of Passport |
Costs for temporary travel documents and reasonable travel and accommodation expenses necessarily incurred to replace the Insured’s lost or stolen passport.
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| Medical Assistance Company |
The assistance company named on the policy Certificate.
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| Missed Departure |
Arriving at the British Isles or International departure point too late to commence the Trip as booked.
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| Money and Documents |
Bank and currency notes, coins, travel and admission tickets, accommodation and meal vouchers, petrol coupons for private purpose.
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| Period of Insurance |
The time and date in which the insurance is effective.
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| Permanent Disability |
Disability caused directly from an Accident which results in incapacitation for 12 or more consecutive months.
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| Personal Accident |
Death or permanent disability.
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| Personal Liability |
Legal liability for accidental injury to a third party and/or accidental damage to their property.
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| Piste Closure |
Where skiing is prohibited for a period in excess of 12 hours.
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| Relative |
Spouse, fiance(e), parent, parent-in-law, brother, brother-in-law, sister, sister-in-law, son-in-law, daughter-in-law, child, grandchild.
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| Repatriation (in Section 3) |
Returning Home as a result of accidental injury or illness.
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| Ski Equipment |
Skis, ski sticks, ski bindings, ski boots, snowboards.
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| Ski Hire |
Ski equipment hired due to loss, damage or delay of the Insured’s ski equipment.
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| Ski Pack |
Unused ski pass, ski hire or tuition fees resulting from accidental injury, sickness or loss/theft of ski pass.
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| Specific Exclusions |
Something which is not covered by the insurance and relates only to a particular section of the Policy
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| Territorial Limits |
Geographical areas or countries shown on the quote or policy certificate.
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| Travel Delay |
The delay of a flight or English Channel crossing.
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| Travelling Companion |
The person whom the Insured has booked to travel with.
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| Trip |
Period of travel.
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| Unforeseen Occurrences |
Unexpected happenings (as listed in Policy Terms and Conditions) which lead to the cancellation or curtailment of a Trip.
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