TRAVEL INSAFE HANDS

Outstanding ValueSingle & Annual Multi Trip Policy

2016

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y

Trusted for over 45 years

25429 TF Eire DIN2 2016.qxp_TF DIN1 EIRE 2016 08/12/2015 09:12 Page 2

This Policy Summary does not contain full details and conditions ofyour insurance – these are located in your Policy Document.This insurance is underwritten by HCC International InsuranceCompany PLC. Registered Office: Walsingham House, 35 SeethingLane, London EC3N 4AH.

EligibilityTo be eligible for cover under this Policy, all Insured persons must beunder the age of 76 at the date of payment of the insurance premium,unless agreed in writing. All Insured Persons must reside within aEuropean country, (excluding Switzerland, Russia, Belarus, Montenegroand the Ukraine).No Insured Person may be travelling contrary to medical advice, havereceived a terminal prognosis or travelling to obtain medical treatmentoverseas.Northern Ireland residents travelling from the Republic of Ireland. Coverwill apply to Northern Ireland residents to depart and return to theRepublic of IrelandDuty to take reasonable care not to make a misrepresentationPlease take reasonable care to answer all our questions honestly andto the best of your knowledge. If you do not answer our questionscorrectly, your policy may be cancelled, or your claims rejected or notfully paid.Demands & NeedsThis travel insurance policy will suit the demands and needs of anindividual, or group (where applicable) who have no excluded Pre-existing Medical Conditions, are travelling to countries includedwithin the policy terms and who wish to insure themselves against theunforeseen circumstances/events detailed in this policy document.Subject to terms and conditions and maximum sums insured.ImportantThis policy will have been sold to you on a non-advised basis and it istherefore important for you to read this policy document (payingparticular attention to the Terms and Conditions and Exclusions) andensure that your chosen policy meets all of your requirements. If uponreading this policy document you find it does not meet all of yourrequirements, please refer to the relevant cooling off/policy cancellationsection.

TYPE OF INSURANCETravel insurance for single trips or annual multi trips – Your BookingInvoice or Validation Certificate (as applicable) will show which coveryou have selected.Annual Multi Trip Cover: Worldwide cover for an unlimited number oftrips, of up to 70 days each trip. Winter Sports are automaticallyincluded up to 28 days within the policy year. Applicants aged 66 ormore can be covered at an additional premium if shown on yourBooking Invoice or Validation Certificate (as applicable). Maximumage 75 at date of payment of insurance premium.Single Trip: You are covered for a single trip to a specific region of theworld as shown on your Booking Invoice or Validation Certificate (as applicable). Applicants aged 66 or more can be covered at anadditional premium if shown on your Booking Invoice or Validation

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POLICY SUMMARY

Certificate (as applicable). Maximum age 75 at date of payment ofinsurance premium. Winter Sports may be included at an additional cost.

CONDITIONSIt is essential that you refer to the general conditions (please see‘Conditions’ in the Policy Document).Special conditions apply to Section E – Personal Effects and Section G– Winter Sports Extension (where your Booking Invoice or ValidationCertificate (as applicable) shows you have this cover). Failure to complywith these conditions may jeopardise your claim or cover. – Please referto the Policy Document for full details.

SPECIAL FEATURESEmergency and Medical ServicesMedical assistance; air ambulance; medical escorts; road ambulance,return home and long haul repatriation in the event of death, injury orillness necessitating: hospitalisation; repatriation; alteration to travelplans or curtailment of travel.

Immediate contact must be made with the Medical EmergencyAssistance Service who are available on +(44) (0) 20 3805 7291. If you are travelling to Australia and you require medical treatment youmust enrol with a local Medicare office.DurationPlease refer to your Booking Invoice or Validation Certificate (as applicable) to confirm the policy duration of your selected cover.

Cancellation PeriodYou are free to cancel this policy at any time. If you wish to cancelwithin 14 days of receipt of the Policy Document, you may do so bycalling or writing to Trailfinders, 4/5 Dawson Street, Dublin 2 for a fullrefund providing you have not travelled and no incident has occurredor claim has been made. Thereafter you may cancel the policy atanytime, however no refund of premium is payable.

Claim NotificationTo make a claim contact Claims Settlement Agencies Limited. (CSA),on Tel: +44 (0) 170 242 7172. Email: info@csal.co.uk orwww.csal.co.uk

Complaints ProcedureAny complaint you may have in relation to how your Policy was sold,or to the customer service you have received, should in the first instancebe addressed to Campbell Irvine Limited. Any complaint you may havein relation to your Policy Document or to the handling of your claimshould in the first instance be addressed to Claims Settlement AgenciesLimited. If the complaint is still not resolved, you can approach theFinancial Services Ombudsman Bureau. Referral to the FinancialOmbudsman will not affect your right to take legal action. Full detailsof addresses and contact numbers can be found within the PolicyDocument.

Financial Services Compensation Scheme (FSCS)In the unlikely event of the Insurer being unable to meet their liabilities,you may be entitled to compensation under the Financial ServicesCompensation Scheme. Their contact details are:Financial Services Compensation SchemeTel: +44 (0) 20 7741 4100 Website www.fscs.org.uk

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BENEFITSSection A - Emergency Medical Expenses and Personal Liability:Medical emergencies, repatriation and associated expenses incurredoverseas up to €10,000,000.Overseas emergency dental treatment to relieve pain and suffering upto €375.The cost of transporting the remains of an Insured Person to their formerplace of residence up to €10,000 or funeral expenses abroad up to€1,200.In Patient Benefit of €25 per day if you are confined to hospitaloverseas, to a maximum €400 per person. In the case of CriminalInjuries the benefit increases to €150 per day to a maximum €6,000.Personal Liability for any compensation if you become legally liable topay up to €2,000,000.

Section B – Personal Accident:€40,000 for loss of sight, loss of limb(s) or permanent total disablementand €10,000 in the event of death -subject to age. Please refer to thePolicy Document for important definitions and full details of the coverand sub limits.

Section C – Cancellation or Curtailment:In the event of necessary cancellation before, or curtailment during theinsured trip due to: death; accidental bodily injury; illness; compulsoryquarantine on the orders of a treating Medical Practitioner;redundancy; cancellation of leave for Irish Forces, Garda orGovernment security staff, jury service or witness attendance in courtof the Insured Person; the death or serious injury or illness of a CloseRelative of the Insured Person or the person with whom you intend toreside; adverse weather conditions making it impossible to travel to theinternational departure point; any event in which the emergencyservices request your presence following major damage to or burglaryfrom your home or place of work.

The Insurer will pay:Up to €6,000 in respect of irrecoverable payments and charges forcancellation prior to departure; or up to €6,000 in respect of eitherthe proportion of unused, non-refundable tour costs, or the originalvalue of unused, non-refundable air tickets.

Section D – Travel Delay:In the event of delayed departure for at least 12 hours from thespecified departure time, or arrival at destination at least 12 hours laterthan specified, due to: strike; industrial action; Terrorism (includingCyber Terrorism); adverse weather or breakdown the Insurer will pay€35 for each 12 hours delay up to a maximum €140 per InsuredPerson.

Where a delay of 12 hours or more causes you to cancel your wholetravel itinerary prior to departure the Insurer will pay up to €2,400per Insured Person in respect of irrecoverable payments and charges.

The Insurer will pay €120 per day up to a maximum €3,600 perInsured Person in the event that you are detained by hijack of anaircraft.

If the failure of scheduled public transport services in your HomeCountry due to strike; industrial action; disruption; Terrorism (includingCyber Terrorism); inclement weather, mechanical breakdown oraccident of the vehicle you are travelling in causes you to arrive toolate at the international point of departure in your Home Country, the

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Insurer will pay up to €400 per Insured Person in respect of additionaltravel and accommodation only expenses to enable you to reach yourdestination.

Section E – Personal Effects:Accidental loss, theft or damage to Baggage (as defined), up to €2,500in total (up to €375 per article, pair or set of articles, disc collectionslimited to €250, and up to €400 as a total in respect of all Valuables(as defined), claims for spectacles and sunglasses are limited to €180per pair). Personal Money is covered up to €600.Passports and Visas are insured up to €300 against the cost ofemergency replacement.Temporary loss of Baggage (as defined) for more than 24 hours iscovered up to €120 per person deductible from the final claim if theloss is permanent.Air tickets are covered to the original purchase price proportionatelyfor each leg of the journey, including reasonable expenses incurred asa result of loss, to a maximum €1,800.

Section F – Legal Expenses:Up to €35,000 in respect of legal costs and expenses in pursuit ofcompensation and/or damages against a third party arising from thedeath or bodily injury to the Insured Person.

Section G – Winter Sports Extension:Your Booking Invoice or Validation Certificate (as applicable) will showif this option is operative.

Loss theft or breakage of your own Winter Sports Equipment is insuredup to €500 per person, subject to a limit of €375 for any single item,set or pair.Loss theft or breakage of hired Winter Sports Equipment in your chargeis insured up to €120 per Insured Person.Up to €300 per Insured Person in respect of replacement Winter SportsEquipment hire following loss, theft or breakage, or misdirection ordelay in transit of an Insured Person’s Winter Sports Equipmentpreventing their use for not less than 12 hours.Up to €300 per Insured Person in respect of the proportionate valueof any ski pass, hire or tuition fee necessarily unused following accidentor sickness of the Insured Person, or loss theft or damage of the skipass.Up to €30 per day per Insured Person to a maximum of €300 foradditional transport costs to reach an alternative resort necessitated bya lack of snow or avalanche at your pre-booked resort following theclosure of skiing facilities.Up to €300 per Insured Person in respect of additional travel andaccommodation expense necessarily incurred as a result of the outwardor return journey by public transport being delayed for 12 or morehours beyond the scheduled arrival time.

SIGNIFICANT OR UNUSUAL EXCLUSIONS OR LIMITATIONSThe standard excess is shown in your Policy Document. Any increasedamount that we require you to pay will be shown on a PolicyEndorsement that we have issued to you. Cover is not available toanyone aged 76 years or more at the date of payment of insurancepremium. For Annual Multi trip travel insurance: trips within your HomeCountry must include at least 2 nights pre-booked accommodation.

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General Exclusions:Any consequence of any act of war invasion, act of foreign enemy,hostilities (whether declared or not), civil war, civil commotion, rebellion,revolution, insurrection, military force, any act of Terrorism (includingCyber Terrorism) where you are actively engaged and/or where youhave travelled or you remain contrary to Department of Foreign Affairstravel advice.There are a number of activities, practices and winter sports that areexcluded, please see ‘General Exclusions’ in the Policy Document. Someactivities described can be included if an additional premium has beenpaid. Your Booking Invoice or Validation Certificate (as applicable) willshow if you have chosen this option.Wilful self inflicted injury, solvent abuse, the use of drugs and the effectsof alcohol and sexually transmitted diseases.Unlawful actions.Stress or anxiety. Depression or any other mental or nervous disorderdiagnosed before the Period of Insurance commenced or the trip isbooked (whichever is the later), or not diagnosed by a hospitalconsultant specialising in the relevant field.Your choosing not to take prescribed medication or other treatment.Changes of Health where you do not follow the procedure outlinedunder the ‘Pre-existing Medical Conditions’ section.You will not be covered under Section A - Medical Expenses, SectionB -Personal Accident or Section C - Cancellation and Curtailment inrespect of any defined Pre-existing Medical Condition, or certain otherMedical Conditions as detailed (please refer to General Exclusions inthe Policy Document).

Exclusions under Section A – Medical Expenses and Personal Liability:Medical Expenses excludes any claim relating to any Pre-existingMedical Condition; any expenses not verified by a medical report; orthe cost of medical or surgical treatment later than 52 weeks from thedate of accident or illness or elective cosmetic surgery.Personal Liability excludes claims in the course of employment; theownership possession or use of any aircraft, hovercraft, watercraft ormechanically propelled vehicles, the ownership or use of any land orbuilding other than use of rented temporary accommodation; theownership or use of any firearm.

Exclusions under Section C – Cancellation or Curtailment:Any claim arising from a Pre-existing Medical Condition.No cancellation cover is available more than 24 months prior to thetrip departure date shown on your Booking Invoice or ValidationCertificate (as applicable).

Exclusions under Section D – Travel Delay:Any strike, industrial action, publicised at the time of effecting theinsurance. The withdrawal of any aircraft, train or sea vessel on therecommendation of a Port Authority, the Irish Aviation Authority orsimilar body.

Exclusions under Section E – Personal Effects and Section G WinterSports Extension:Unattended Valuables (as defined - including those in a vehicle) areuninsured unless in a locked safe, locked hotel room, locked apartmentor locked holiday residence.Business or professional goods, equipment or samples and anyproperty hired to the Insured Person are excluded.Mobile phones are excluded.

This Policy Document, Booking Invoice or Validation Certificate (asapplicable) and any endorsements set out the terms of the onecontract between the Insured Person(s) and the Insurer, HCCInternational, and which sections of cover are operative. Please readall of these documents to make sure they provide the cover required.If they are not correct, or do not meet your demands and needs,please immediately return them within the 14 day Cooling Off Period.

You must inform us immediately of anything which the Insurer wouldtake into account in the assessment or acceptance of this insurance.Failure to do so may invalidate this Policy or result in certain coversnot operating fully. Provided the appropriate premium has been paidin the required manner, the Insurer will provide the insurance detailedin this Policy Document for the corresponding Period of Insurance.

This Policy is underwritten by HCC International Insurance Companyplc. A subsidiary of HCC Insurance Holdings, Inc., HCC InternationalInsurance Company plc is authorised by the Prudential RegulationAuthority (PRA) and regulated by the Financial Conduct Authority(FCA) and the Prudential Regulation Authority. Registered in Englandand Wales No. 01575839. Registered office: Walsingham House, 35Seething Lane, London, EC3N 4AH. Financial Services Registernumber 202655. These details can be checked on the FinancialServices Register by visiting: www.fca.org.uk or contacting theFinancial Conduct Authority on 0800 111 6768.

Rights of Third Parties The Contracts (Rights of Third Parties) Act 1999 or any amendmentthereto shall not apply to this Policy. Only the Insured Persons and theInsurer can enforce any terms of this Policy which may be varied orcancelled without consent of any third party.Data ProtectionTo set up and administer your policy the Insurers will hold and useinformation about you supplied by you and by medical providers. Wemay send it in confidence for processing to other companies acting onour instructions including those located outside the EuropeanEconomic Area. Please note Insurers exchange information withvarious databases to help check the information provided and preventfraudulent claims. In the event of your contacting the MedicalEmergency Assistance Service, there may be a requirement for themto obtain your consent to contact your usual Medical Practitioner.

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POLICY DOCUMENT

Exclusions under Section F – Legal Expenses:Any costs incurred before obtaining the written consent of the Insurer.Claims against travel agents or tour operators.The Insurer shall have complete control of any legal proceedings andcan exclude a claim if, in their opinion, they believe there is aninsufficient prospect of success in obtaining a reasonable settlement.

Exclusions under Section G – Winter Sports Extension:Loss, theft or damage of Winter Sports Equipment over 5 years old isexcluded. There is no cover for Winter Sports Equipment carried on avehicle roof rack or whilst in use.

Any word or expression to which a specific meaning has beenattached will bear the same meaning throughout this Policy Document.For ease of reading the definitions are highlighted by the use of boldprint and will start with a capital letter.

BaggageMeans luggage, clothing, personal effects, Valuables and otherarticles (but excluding personal money, tickets or documents of anykind) which belong to the Insured Person (or for which the InsuredPerson is legally responsible) which are worn, used or carried by theInsured Person during any insured trip.

Close RelativeMeans mother, father, sister, brother, wife, husband, partner (includingcommon law and civil partnerships), son, daughter (includingfostered/adopted), grandparent, grandchild, parent in law, son inlaw, daughter in law, brother in law, sister in law, step parent, stepchild, step sister, step brother or legal guardian.

Dependent Business PartnerMeans a person in the same employ as you who’s absence from worknecessitates your presence.

Home CountryMeans the country that the Insured Person normally resides in.

Insured PersonMeans any person named on the Booking Invoice or ValidationCertificate (as applicable).

Medical ConditionMeans any disease, illness or injury.

Medical PractitionerMeans a registered practising member of the medical profession whois not related to the Insured Person or any person with whom they aretravelling.

Policy ExcessUnder some sections of the policy an excess will apply to each claim,per section, for each separate incident payable per Insured Person.This means that each Insured Person will be responsible for payingthe first part of the claim for each incident giving rise to a separateclaim.

Pre-existing Medical ConditionMeansa) Any respiratory condition (relating to the lungs or breathing), heartcondition, stroke, Crohn’s disease, epilepsy, allergy, or cancer forwhich you (or any other person not necessarily travelling but uponwhom travel depends such as a Close Relative) have ever receivedtreatment (including surgery, tests or investigations by your doctor ora consultant/specialist or prescribed drugs/medication).

b) Any Medical Condition for which you (or any other person notnecessarily travelling but upon whom travel depends such as a CloseRelative) have received surgery, in-patient treatment or investigations

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DEFINITIONS

in a hospital or clinic within the last twelve months or prescribeddrugs/medication.

Strike or Industrial ActionMeans any form of industrial action taken by workers which is carriedon with the intention of preventing, restricting or otherwise interferingwith the production of goods or the provision of services.

Terrorism (including Cyber Terrorism)Means an act, or acts, of any person, or group of persons, committedfor political, religious, ideological or similar purposes with theintention to influence any government and/or to put the public, or anysection of the public, in fear, including but not be limited to, the actualuse of force or violence and/or the threat of such use. Furthermore,the perpetrators of a terrorist activity can either be acting alone, or onbehalf of, or in connection with any organisation or government.

Travelling CompanionMeans a person that the Insured Person has arranged to undertaketheir journey with if it would be unreasonable to expect the InsuredPerson to continue their journey without that person.

UnattendedMeans when the Insured Person is not in full view of and not in aposition to prevent unauthorised interference with their property.

Utilisation of Nuclear, Chemical or Biological Weapons of MassDestructionMeans the use of any explosive nuclear weapon or device; or theemission, discharge, dispersal, release or escape of: fissile materialemitting a level of radioactivity, or any pathogenic (diseaseproducing) micro-organism(s) and/or biologically produced toxin(s)(including genetically modified organisms and chemically synthesisedtoxins), or any solid, liquid or gaseous chemical compound which,when suitably distributed; which is capable of causing incapacitatingdisablement or death amongst people or animals.

ValuablesMeans audio, visual, video, photographic, computer, laptops, iPadand/or android tablet or similar device, and portable navigationequipment, ipods, ipod touch and/or accessories, ebook readers,jewellery, furs, gold and silver items, watches, binoculars, musicalinstruments, electronic games and sports equipment.

VolunteeringMeans an Insured Person’s participation in community or wildlifebased conservation/project work when arranged by a professionalorganisation. This includes caring and teaching; and may also includesupervised building/renovation projects if the activity does not formpart of the Insured Person’s usual occupation or involve the use ofplant/trade/industrial machinery, or non domestic powertools.

Winter Sports EquipmentMeans Skis (including bindings), ski boots, ski poles and snowboards.

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Sums Insured Per Person up to Excess per person

A Medical Expenses €10,000,000 €90

In Patient Benefit €400 Nil

Criminal Injuries €6,000 Nil

Additional Mountain Rescue €2,400 €90

Personal Liability €2,000,000 €375

B Personal Accident €40,000 Nil

C Cancellation or Curtailment €6,000 €90

D Delayed Departure or Arrival €140 Nil

Cancellation due to

Delayed Departure €2,400 Nil

Hi-jack of Aircraft €3,600 Nil

Interruption of Transport €400 Nil

E Personal Effects €2,500 €90

Money €600

Tickets €1,800

Passport and Visas €300

Temporary Loss of Baggage €120 Nil

F Legal Expenses €35,000 €375

G Winter Sports Extension Optional €90

H Cruise Extension Optional €90

Please Note: this is only a summary of the sums insured and Policy Excess, full details are contained within the benefits sectionof this Policy Document.

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SCHEDULE OF COVER

Cover is excluded for any defined Pre-existing Medical Condition.If in doubt please call the medical screening helpline, in confidenceon: +44 (0) 1702 427 235

Definition of a Pre-existing Medical Condition:a) Any respiratory condition (relating to the lungs or breathing),heart condition, stroke, Crohn’s disease, epilepsy, allergy, orcancer for which you (or any other person not necessarilytravelling but upon whom travel depends such as a CloseRelative) have ever received treatment (including surgery, tests orinvestigations by your doctor or a consultant/specialist, orprescribed drugs/medication).

b) Any Medical Condition for which you (or any other person notnecessarily travelling but upon whom travel depends such as aClose Relative) have received surgery, in-patient treatment orinvestigations in a hospital or clinic within the last twelve months,or are prescribed drugs/medication.

The medical screening helpline is optional for those personswishing to establish if additional cover may be offered to includePre-existing Medical Conditions. You will be asked for yourpersonal and travel details. Please have your insurance policynumber to hand if known.

You will be advised whether the Pre-existing Medical Conditionmay be covered, and whether any amendments will be made tothe policy terms and conditions. If terms can be provided for thecondition and you elect to take up the offer of the additionalcover, you will be given a medical screening reference numberand a letter will be sent to you.

Should you not contact the medical screening helpline or notwish to take advantage of the optional terms quoted by themedical screening helpline, you will not be covered for anyclaims arising directly or indirectly from a Pre-existing MedicalCondition.

There is no cancellation or curtailment cover for a Pre-existingMedical Condition of persons not necessarily travelling but uponwhom travel depends, such as a Close Relative, unless disclosedto the medical screening helpline by that same Close Relativeand additional cover agreed.

You should also refer to the General Exclusions of this PolicyDocument.

Change of HealthIf an Insured Person’s health changes after the date this policywas purchased, including prior to booking any individual journeyin respect of an Annual Multi Trip Policy, then you MUST contactthe medical screening helpline immediately if:•The Insured Person has reason to believe that their journey may

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PRE-EXISTING MEDICAL CONDITIONS

Legal Interpretation and LanguageStamp Duties Consolidation Act 1999The appropriate stamp duty has been or will be paid inaccordance with the provisions of Section 5 of the Stamp DutiesConsolidation Act 1999. Current legislation allows the parties tothis contract to choose which law is used to interpret this Policy.You and the Insurers agree that:1.This Policy shall be governed and construed in accordance withthe Irish law and, subject to the exception of referrals ofcomplaints to the Financial Services Ombudsman, the Irish Courtsalone shall have jurisdiction in any dispute.2. Communication of and in connection with this Policy shall bein the English language.

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need to be cancelled or curtailed, or they are aware of anyother circumstance that could reasonably be expected to resultin a claim on this Policy; or•a doctor has advised them against travelling or they believewould do so if their advice was sought; or•they have any Medical Condition for which they have receiveda terminal prognosis; or•they have a renewable Annual Multi Trip Policy that expiresbefore their date of departure.

Provided the journey was booked before the change of healthoccurred, you may have a valid cancellation claim if the InsuredPerson has to cancel their journey, or if the Insurer cannotprovide the cover required.

If you have an Annual Multi Trip Policy and book a new journeywithout telling the medical screening helpline about any healthchanges noted above, the Insurer will not cover any claimsdirectly or indirectly caused by, arising or resulting from, or inconnection with this change of health.

If advised about an Insured Person’s change of health, theInsurer will tell you if they can provide cover for any claimarising from this change of health, and if so, whether anyadditional terms apply. If the Insurer agrees to cover any changein health, then they will confirm this in writing.

If you do not let the medical screening helpline know about anyInsured Person’s change in health, then you may not have thecover you need and it may invalidate your Policy or reduce theamount of any claim.

Private Medical Health Insurance Discount

Please Note: If you have requested a discount on your policy,please contact your private medical health insurance companyfirst for medical or surgery treatment expenses, as the coverunder any private medical health insurance will prevail.

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If you have any general queries concerning this Insurance, or ifthere is anything you do not understand, please contact theInsurance Brokers who arrange the scheme: Campbell IrvineLimited, 52 Earls Court Road, Kensington, London W8 6EJ, UK Tel: +44 (0) 20 7938 1734.

COMPLAINTS PROCEDUREIf you have a complaint in relation to your Policy Document or tothe handling of your claim, please contact:Claims Settlement Agencies Limited308-314 London RoadHadleighEssex SS7 2DD, UKTel: +44 (0) 1702 427172Email: info@csal.co.uk

If you have a complaint in relation to how your Policy was sold,or to the customer service you have received, please contact:The General ManagerCampbell Irvine Ltd52 Earls Court RoadKensington, London W8 6EJ, UKTel: +44 (0) 20 7938 1734The existence of this complaint procedure does not reduce yourstatutory rights relating to this Policy. FINANCIAL OMBUDSMAN SERVICEIf you are still unhappy following receipt of our final response, youcan refer the dispute to the Financial Services Ombudsman’sBureau who will review your case on an independent basis. The address is:Financial Services Ombudsman’s Bureau,3rd Floor, Lincoln House, Lincoln Place, Dublin 2. Email: enquiries@financialombudsman.ieWebsite: www.financialombudsman.iePlease note that the Financial Services Ombudsman’s Bureau willonly deal with your complaint if you have already given us theopportunity to resolve it. The procedure outlined above is entirelywithout prejudice to your rights in Irish Law and you are free atany stage to seek legal advice and take legal action.Financial Services Compensation Scheme (FSCS)In the unlikely event of the Insurer being unable to meet theirliabilities, you may be entitled to compensation under the FinancialServices Compensation Scheme. Their contact details are:Financial Services Compensation Scheme7th Floor Lloyds Chambers, Portsoken Street, London E1 8BN, UKFax: +44 (0) 20 7892 7301

GENERAL ENQUIRIES

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PERIOD OF INSURANCE

The period that you are insured for as shown on your BookingInvoice or Validation Certificate (as applicable).Single TripCover under Section C – Cancellation starts from the date statedon your Booking Invoice or Validation Certificate (as applicable)and ends when the Insured Person leaves their residence orplace of business to commence travel. Cancellation cover shallonly apply for a period of up to 24 months prior to the tripdeparture date stated on your Booking Invoice or ValidationCertificate (as applicable).Cover under all other sections of the policy starts when theInsured Person leaves their normal residence or place ofbusiness to commence their trip.All cover ends on the Insured Person’s return home, within 24hours of their return to their Home Country, or at the expiry ofthe Period of Insurance, whichever is first.For One Way Travel, all cover ceases on arrival at final destination.Annual Multi TripAny one trip shall be limited to a maximum duration of 70 days.For any trip known to be exceeding the maximum duration, theentire period of travel including the first 70 days will not beinsured.Cover under Section C – Cancellation starts from either the dateshown on your Booking Invoice or Validation Certificate (asapplicable), or the booking date of each individual trip to whichthis insurance relates, whichever is the latter.Cover under all other sections of the policy starts from dateshown on your Booking Invoice or Validation Certificate (asapplicable), or the time you leave your normal residence orplace of business to commence your trip on the departure dateof each individual trip to which this insurance relates, whicheveris the latter.Cover for each trip ends on the Insured Person’s return home orwithin 24 hours of their return to their Home Country,whichever is first. All cover under the Policy ends on the expiryof the Period of Insurance as shown on your Booking Invoice orValidation Certificate (as applicable).Automatic Trip ExtensionIf the Insured Person is prevented from completing their travelbefore the expiration of this Insurance as stated under the Periodof Insurance on the Booking Invoice or Validation Certificate (asapplicable) for reasons which are beyond their control,including ill health or failure of public transport, this Insurancewill remain in force until completion but not exceeding a further31 days on a day by day basis, without additional premium.In the event of an Insured Person being hijacked, cover shallcontinue whilst the Insured Person is subject to the control of theperson(s) or their associates making the hijack during the Periodof Insurance for a period not exceeding twelve months from thedate of the hijack.Please ensure you arrange cover for the entire duration of your travel.

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The Insured Person must comply with all the terms and conditionsstated in this Policy Document, exercise reasonable care, and actas if uninsured at all times to have the full protection of theirpolicy. If the Insured Person does not comply the Insurer may attheir option cancel the policy or refuse to deal with the claim orreduce the amount of any claim payment.General Conditions 1.This Insurance is available for holiday or business travel butexcludes overseas residency, permanent overseas employment,work of a predominantly manual nature (other than Volunteering)or any hazardous activity not agreed on behalf of the Insurer.2. The appropriate additional premium has been paid by anyperson aged 66 years or more at date of payment of insurancepremium. This Insurance is not available to any person aged76 years or more at the date of payment of insurance premium.3. That you contact the Medical Emergency Assistance Service assoon as possible with full details of anything which may result ina claim as a result of a medical emergency.

Cooling Off PeriodStatutory cancellation rightsYou may cancel this policy within 14 days of receipt of the policydocuments (new business) and for Annual Multi-trip policies (therenewal date) by writing to Trailfinders, 4/5 Dawson Street,Dublin 2. Any premium already paid will be refunded to youproviding you have not travelled, no claim has been made or isintended to be made and no incident likely to give rise to a claimhas occurred.Cancellation outside the statutory 14 day Cooling Off PeriodYou may cancel this policy at any time after the statutory 14 dayCooling Off Period by writing to Trailfinders, 4/5 Dawson Street,Dublin 2. If you cancel after the statutory 14 day Cooling OffPeriod no premium refund will be made.Non payment of premiumsWe reserve the right to cancel this policy immediately in the eventof non payment of the premium.

Fraudulent ClaimsThe Insured Person must not act in a fraudulent manner. If theInsured Person or anyone acting for them:• Make a claim under the policy knowing the claim to be false orfraudulently exaggerated in any respect; or• Make a statement in support of a claim knowing the statementto be false in any respect; or• Submit a document in support of a claim knowing the documentto be forged or false in any respect; or• Make a claim in respect of any loss or damage caused by theInsured Person’s wilful act or with your connivanceThen:• The Insurer shall not pay the claim• The Insurer shall not pay any other claim which has been madeor will be made under the policy.

CONDITIONS

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• The Insurer may at their option declare the policy void.• The Insurer shall be entitled to recover from the Insured Personthe amount of any claim already paid under the policy.• The Insurer shall not make any premium returns.• The Insurer may inform the Police of the circumstances.

Reciprocal Health CareThis travel insurance policy is not a private medical insurance andwhere possible every effort should be made to utilise antreciprocal health care facility.Should you require medical treatment in Australia you MUSTenrol with MEDICARE www.humanservices.gov.au. It can be doneafter the first occasion on which you receive treatment. In Patientand out-patient treatment at a public hospital is then availablefree of charge. Should you be admitted to hospital then immediatecontact must be made with the Medical Emergency AssistanceService and their authority obtained in respect of any treatmentnot available under MEDICARE before such treatment is provided.Your failure to contact the Medical Emergency Assistance Servicemay result in a claim being reduced or declined.Should you require medical care in Europe, a European HealthInsurance Card (EHIC) entitles the Insured Person to reduced cost,sometimes free, medical treatment that becomes necessary whilsttravelling in a European Economic Area (EEA) country orSwitzerland. The EEA consists of the European Union (EU)countries plus Iceland, Liechtenstein and Norway. An EHIC can beobtained by completing an application form available from yourlocal Health Office or by following the online information atwww.ehic.ie.Please also note that if an Insured Person has a valid claim formedical expenses which is reduced by their;·using an EHIC; or·taking advantage of a reciprocal health agreement with theirHome Country; or·using their private medical insurance;at the point of treatment, then the Insurer will NOT deduct thePolicy Excess.

Duplicate Insurance If at the time of loss, theft, damage, expense or liability insured bySections A (except A.5.), C, D, E, F, G and H there is anotherinsurance against such loss or any part thereof, the Insurer shallbe liable under this Insurance for their proportionate share only ofsuch loss.

SubrogationThe Insurer is entitled to take over any rights in the defence orsettlement of any claim and to take proceedings in the InsuredPerson’s name for the Insurer’s benefit against any other party.

Claim ConditionsDocumentation:All certificates, information and evidence required by the Insurershall be furnished at the expense of the Insured Person or hislegal personal representatives and shall be in such form and of

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such nature as the Insurer may prescribe. The Insured Person shallas often as required submit to medical examination on behalf ofthe Insurer at their own expense and in the event of death of theInsured Person the Insurer shall be entitled to have a post-mortemexamination at their own expense.Recognising Our Rights :You and each Insured Person must recognise the Insurer’s right to:1. Pay, repair or replace choose either to pay the amount of a claim (less any Policy Excessand up to any Sum Insured limit) or repair, replace or reinstateany item or property that is damaged, lost or stolen;2. Inspect & dispose of itemsinspect and take possession of any item or property for which aclaim is being made and handle any salvage in a reasonablemanner;3. Handle a claim in your nametake over and deal with the defence or settlement of any claim inyour name and keep any amount recovered;4. Pay in eurosettle all claims in euro;5. Be reimbursed promptlybe reimbursed within 30 days for any costs or expenses that arenot insured under this Policy, which the Insurer pays to you or onyour behalf;6. Receive medical certificatesbe supplied at your expense with appropriate original medicalcertificates where required before paying a claim.7. Carry out medical examinations request and carry out amedical examination and insist on a post-mortem examination, ifthe law allows them to ask for one, at their expense.Paying Claims:1. DeathA. If the Insured Person is 18 years old or over, claims are paidto their estate and the receipt given to the Insurer by their personalrepresentatives shall be a full discharge of all liability by theInsurer in respect of the claim.B. If the Insured Person is aged under 18 years, the Insurer shallpay any claim to their parent or legal guardian. Their parent orlegal guardian’s receipt shall be a full discharge of all liability bythe Insurer in respect of the claim.2. All other ClaimsA. If the Insured Person is 18 years old or over, the Insurer shallpay the claim to that Insured Person and their receipt shall be afull discharge of all liability by the Insurer in respect of the claim.B. If the Insured Person is aged under 18 years, the Insurer shallpay the appropriate benefit amount to their parent or legalguardian for their benefit. Their parent or legal guardian’s receiptshall be a full discharge of all liability by the Insurer in respect ofthe claim.Please refer to the Claims Checklist at the back of this policydocument for a list of documentation required by Claims Handlersto process a claim.

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Policy Excesses – Applicable to most claimsThe Insurer shall not pay:a) The first €90 of each and every claim, per incident claimed forunder each Section by each Insured Person.b) The first €375 of each and every claim arising from the sameincident under Sections A.5 rented accommodation (in respect ofthe use of rented temporary accommodation only) and F LegalExpenses.No Policy Excess applies to Sections B - Personal Accident, C - Loss of deposit only, D - Travel Delay, E5 - Temporary loss ofBaggage, G - Piste Closure only and H1, H2 and H3 of CruiseCover.Please also note that if an Insured Person has a valid claim formedical expenses which is reduced by their;·using an EHIC; or·taking advantage of a reciprocal health agreement with theirHome Country; or·using their private medical insurance;at the point of treatment, then the Insurer will NOT deduct thePolicy Excess .

The Insured Person will not be covered under Section A – MedicalExpenses, Section B – Personal Accident, Section C - Cancellationor Curtailment or Section H1 and H2 for any claim directly orindirectly caused by, arising or resulting from, or in connectionwith either; A) At the time of taking out this policy:i) Any Pre-existing Medical Condition unless you have contactedthe medical screening helpline on +44 (0) 1702 427 235 and theInsurer has agreed to provide cover.ii) Any Medical Condition that the Insured Person or any otherperson not necessarily travelling but upon whom travel dependssuch as a Close Relative has received a terminal prognosis.iii) Any Medical Condition the Insured Person is aware of butwhich has not had a formal diagnosis.iv) Any Medical Condition for which the Insured Person or anyother person not necessarily travelling but upon whom traveldepends such as a Close Relative is on a waiting list for or hasknowledge of the need for surgery in a hospital; orB) After the date this policy was purchased including prior tobooking any individual journey in respect of an Annual Multi TripPolicy:A change of health or where the cost of any claim is increaseddue to a change of health, if the procedure detailed under the‘Pre-existing Medical Conditions’ section has not been followed.C) At any time:i) Any Medical Condition the Insured Person has in respect ofwhich a Medical Practitioner has advised them not to travel orwould have done so had they sought his/her advice.ii) Any surgery, treatment or investigations for which you intend totravel outside your Home Country to receive (including anyexpenses incurred due to the discovery of other MedicalConditions during and/or complications arising from theseprocedures).iii) Any Medical Condition for which the Insured Person or any

GENERAL EXCLUSIONS

other person not necessarily travelling but upon whom traveldepends such as a Close Relative is not taking the recommendedtreatment or prescribed medication as directed by a MedicalPractitioner.iv) Pregnancy when you are expected to give birth within twomonths of the return date of your trip;v) Participating in any activity where the Insured Person has beenadvised against doing so by a Medical Practitioner.

The Insurer shall not pay (unless agreed in writing by or on behalfof the Insurer) for any claim directly or indirectly caused by,arising or resulting from, or in connection with:1.(a) (i) Mountaineering or climbing; pot-holing; sports tours;motorised competitions; racing; competing in or practicing forspeed or time trials of any kind; or(ii) Travelling by motorcycle, unless in respect of motorcycles hiredor borrowed during the Period of Insurance, and the InsuredPersons are wearing crash helmets; or(iii) Driving a motor vehicle or riding a motorcycle, quad bike orany mechanically assisted cycle on a public highway without theappropriate driving licence.(iv) Winter Sports, unless the appropriate premium has been paidand is shown on the Booking Invoice or Validation Certificate (asapplicable), but always excluding ski racing, ski jumping,freestyle winter sports, ice hockey or the use of bobsleighs orskeletons.(b) Any activity where Insured Persons do not wear therecommended/recognised safety equipment, or do not follow thesafety procedures, rules or regulations of the activity’sorganisers/providers; or(c) Any activity in the air (other than as a passenger in a fully-licensed passenger-carrying-aircraft, bungee jumping orparasailing); or(d) Wilful exposure to needless danger (other than in an attemptto save human life); or(e) Air travel within 24 hours of scuba diving. NOTE: Exclusions 1.(a), (b) and (c) are not applicable tocancellation claims under Section C.NOTE: Please see Sporting and Hazardous Activities Section. 2. Private medical treatment unless authorised by the MedicalEmergency Assistance Service.3.(a) Any form of stress or anxiety; or(b) Depression or any other mental or nervous disorder that wasdiagnosed before the Period of Insurance commenced, or beforeyour trip was booked (whichever is later). Mental disordersdiagnosed at any other time are also excluded unless investigatedand diagnosed by a hospital consultant specialising in therelevant field.(c) any Pre-existing Medical Condition not declared to andaccepted by the Medical Screening Helpline in writing.4. Any wilfully self inflicted injury or illness, insanity, suicide orattempted suicide, sexually transmitted diseases, solvent abuse,the use of drugs (other than medically prescribed) and the effectsof alcohol.5. The Insured Person’s participation in any criminal or illegalacts.

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6.(a) Unless the Insurer provides cover under this insurance, anyother loss, damage or additional expenses following on from theevent for which the Insured Person is claiming. Examples of suchloss, damage, or additional expense would be the cost ofreplacing locks after losing keys, costs incurred of preparing aclaim, or loss of earnings following bodily injury or illness.(b) Any costs for;(i) telephone calls (other than the first call to the MedicalEmergency Assistance Service to notify them of a medicalproblem requiring hospitalisation); or(ii) taxi fares (unless a taxi is being used in place of an ambulanceto take you to or from a hospital); or(iii) food and drink expenses (unless these form part of yourhospital costs if you are kept as an inpatient).7. Any exposure to the Utilisation of Nuclear, Chemical orBiological Weapons of Mass Destruction.8.(a) Ionising radiation or contamination by radioactivity fromany nuclear fuel or from any nuclear waste resulting from thecombustion of nuclear fuel; or (b) The radioactive, toxic, explosive or other hazardous propertiesof any explosive nuclear assembly or nuclear component of suchassembly.9. Sonic or pressure waves from aircraft and other airbornedevices travelling at sonic or supersonic speeds.10. Any consequence of any act of war, invasion, act of foreignenemy, hostilities (whether declared or not), civil war, civilcommotion, rebellion, revolution, insurrection, military force, anyact of Terrorism (including Cyber Terrorism) where you areactively engaged and/or where you have travelled and/or youremain contrary to Department of Foreign Affairs www.dfa.ietravel advice.11. Any Insured Person’s travel to a country, specific area orevent to which the Irish Department of Foreign Affairs or theWorld Health Organisation has advised against travel, unlessagreed by or on behalf of the Insurer.12. Any search or ship to shore rescue costs (cost charged to youby a Government, regulated authority or private organisationconcerned with finding and rescuing an individual).This exclusiondoes not include medical evacuation costs by the mostappropriate transport detailed in Section A1, or non medicalMountain Rescue Costs detailed in Section A4.13. Any circumstances the Insured Person is aware of that couldreasonably be expected to give rise to a claim on this policyunless the Insured Person has been given the Insurer’s writtenagreement.14. The financial failure of a tour operator, travel agent, transportprovider, accommodation provider, ticketing agent or excursionprovider.15. Any other loss connected to the event you are claiming forunless the Insurer specifically provides cover under this policy.16. Any disinclination to travel.17. Any benefit hereunder to the extent that the provision of suchcover, payment of such claim or provision of such benefit wouldexpose the Insurer to any sanction, prohibition or restriction under

1. Emergency Medical, Repatriation and Associated Expenses. Up to €10,000,000Should an Insured Person suffer accidental bodily injury orbecome ill (including compulsory quarantine on the orders of atreating Medical Practitioner) the Insurer will pay: i) normal and necessary receipted expenses of emergencymedical or surgical treatment incurred outside the InsuredPerson’s Home Country including, emergency dental treatment torelieve pain and suffering (limited to €375), specialists orophthalmic fees, hospital, nursing attendance charges,physiotherapy, massage and manipulative treatment, surgical andmedical requisites, decompression chambers,ambulance/necessary transport charges (including helicopter/airambulance charges if necessary on medical grounds andauthorised by the Medical Emergency Assistance Service, or theirAgents). The Insurer reserves the right to repatriate the InsuredPerson to their Home Country when in the opinion of the MedicalEmergency Assistance Service the Insured Person is fit to travel.ii) reasonable additional accommodation and repatriationexpenses incurred by an Insured Person and any one member ofthe family or party who has to remain or travel with the injured,ill or hijacked Insured Person, certified by a Medical Practitionerto be strictly necessary on medical grounds, and approved by theMedical Emergency Assistance Service. iii) the travel and reasonable accommodation expenses of oneperson to travel from their country of residence if their presence isstrictly necessary on medical grounds.iv) the cost of transporting the remains of an Insured Person to their former Home Country up to €10,000 or funeral expensesincurred abroad up to €1,200.2. In Patient Benefit. Up to €400In addition to the costs referred to above, the Insurer will also paythe sum of €25 compensation for each complete day, up to€400, that the Insured Person is confined to hospital outside theirHome Country.3. Criminal Injuries. Up to €6,000Should an Insured Person be admitted to hospital as an in-patientas a result of receiving Criminal Injuries following a personalassault verified by a written report that substantiates the injuriesresulted from an unprovoked personal assault, the In PatientBenefit payable under Section A2 above is increased to €150 percomplete day, up to €6,000, that the Insured Person is confinedto hospital outside of their Home Country.4. Additional Mountain Rescue. Up to €2,400Should an Insured Person require Mountain Rescue Servicesduring the Period of Insurance deemed necessary by the local

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SECTION A. EMERGENCY MEDICAL EXPENSES& PERSONAL LIABILITY

United Nations resolutions or the trade or economic sanctions,laws or regulations of the European Union, United Kingdom orUnited States of America.

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Rescue Authorities and approved by the Insurer's MedicalEmergency Assistance Service, the Insurer will reimburse allreceipted costs incurred to provide Mountain Rescue Services upto the Sum Insured in order to preserve the life of an InsuredPerson in the event of a non medical emergency.Specific Conditions applicable to A4. Additional MountainRescue.1. Contact must be made with the Medical Emergency AssistanceService on +44 (0)203 805 7291 as soon as possible.2. All reasonable local safety advice has been obtained andfollowed.3. Expenses are only payable for the Insured Person’s proportionof the Mountain Rescue operation up to the Sum Insured.4. Costs will only be covered up to the point when the InsuredPerson is recovered by the Mountain Rescue Services or at thetime when the authorities advise that continuing the rescue is nolonger viable. 5. A written statement from the appropriate local RescueAuthorities involved in the rescue must be obtained and providedto the Insurer in the event of a claim.

EXCLUSIONS APPLICABLE TO SECTION A1, A2, A3 and A4The Insurer shall not pay for any claim directly or indirectlycaused by, arising or resulting from, or in connection with:1. travel against any health requirements stipulated by the carrier,their handling agents or any other public transport provider.2. a Pre-existing Medical Condition unless the Insurer has agreedto provide cover.3. the cost of medical or surgical treatment of any kind receivedby the Insured Person later than 52 weeks from the date of theaccident or commencement of the illness.4.medical expenses incurred in an Insured Person’s HomeCountry.5. a claim that is not verified by a medical report whilst travelling.6. elective or cosmetic surgery unless deemed medicallynecessary and agreed by the Emergency Medical AssistanceService.7. dental treatment to provide, replace or repair caps, crowns orbridges other than the relief of pain and suffering.8. any form of treatment or surgery which in the opinion of theMedical Emergency Assistance Service can reasonably bedelayed until the Insured Person’s return to their Home Country.9. any medical treatment and associated costs you have to payfollowing your refusal of curtailment, or your decision not to movehospital or return to your Home Country after the date when, inthe opinion of the Medical Emergency Assistance Service, youshould have done so.10. accommodation and travel expenses where the transportand/or accommodation used are of a standard superior to that ofthe trip unless agreed by the Medical Emergency AssistanceService.

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11. medication an Insured Person is taking before and which theywill have to continue taking during their trip (except in the eventof accidental loss or damage to that medication).12. a Policy Excess which will apply to this section, please referto General Exclusions.5. Personal Liability. Up to €2,000,000The Insurer will pay up to €2,000,000 (inclusive of legal costsand expenses) if the Insured Person becomes legally liable to paydamages in respect of: 1. accidental bodily injury, including death, illness and disease toa person; and/or 2. accidental loss of or damage to material property (propertythat is both material and tangible); arising during the Period ofInsurance, the Insurer will indemnify the Insured Person for allsuch damages in respect of each occurrence or a series ofoccurrences arising directly or indirectly from one source ororiginal cause. Specific Exclusions applicable to the Personal Liability Section: 1. The Insurer will not pay the Policy Excess as shown in theGeneral Exclusions Section. 2. The Insurer will not pay for anything mentioned in the GeneralExclusions Section. 3. The Insurer will not pay any liability for: a) bodily injury, illness or disease of any person who is an InsuredPerson’s Close Relative, Travelling Companion, or under acontract of employment, service or apprenticeship with an InsuredPerson when the bodily injury, illness or disease arises out of andin the course of their employment with an Insured Person; b) loss or damage to property belonging to or held in trust by orin the custody or control of an Insured Person other thantemporary accommodation occupied by an Insured Personduring the Period of Insurance; c) bodily injury or damage caused directly or indirectly inconnection with the ownership, possession or use by an InsuredPerson or on behalf of an Insured Person of: aircraft, hovercraft,watercraft (other than non-mechanically powered watercraft),mechanically propelled vehicles (other than wheelchairs, electricwheelchairs and mobility scooters, golf buggies used on golfcourses and not on public roads), firearms (other than sportingguns); d) bodily injury caused directly or indirectly in connection with: the ownership, possession or occupation of land or buildings,immobile property or caravans or trailers, any wilful or maliciousact, carrying on of any trade, business or profession, any racingactivity; e) fraudulent, dishonest or criminal acts of an Insured Person orany person authorised by an Insured Person; f) any claim resulting from venereal disease, sexually transmitteddiseases, infection with the Human Immunodeficiency Virus (HIV)or Acquired Immune Deficiency Syndrome (AIDS) or AIDS RelatedComplex (ARC) howsoever this syndrome has been acquired ormay be named;

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g) any claim assumed by an Insured Person under any contractor agreement unless such liability would have attached in theabsence of such contract or agreement; h) punitive or exemplary damages. Specific Conditions applicable to the Personal Liability Section: 1. The Insured Person or their legal representatives will give theInsurer written notice immediately if the Insured Person hasreceived notice of any prosecution or inquest in connection withany circumstances which may give rise to liability under thissection. 2. No admission, offer, promise, payment or indemnity shall bemade by or on behalf of the Insured Person without the Insurer’sprior written consent. 3. Every claim notice, letter, writ or process or other documentserved on an Insured Person shall be forwarded to the Insurerimmediately upon receipt. 4. The Insurer shall be entitled to take over and conduct in theInsured Person’s name the defence or settlement of any claim orto prosecute in the Insured Person’s name for the Insurer’s ownbenefit any claim for indemnity or damages against all otherparties or persons. 5. The Insurer may at any time pay the Insured Person inconnection with any claim or series of claims up to €2,000,000(after deduction of any sums already paid as compensation) orany lesser amount for which such claim(s) can be settled. Oncethis payment is made the Insurer shall relinquish the conduct andcontrol and be under no further liability in connection with suchclaim(s) except for the payment of costs and expenses recoverableor incurred prior to the date of such payment.

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Up to €40,000In the event of the Insured Person sustaining bodily injury arisingwholly and exclusively from violent accidental external and visiblemeans which injury shall solely and independently of any othercause result in his/her death or disablement within twelve calendar months of the injury, the Insurer hereby agrees to paythe following Sums Insured:1. Death, or €10,0002. Loss of Sight of One or Both eyes, or €40,0003. Loss of One or More Limbs, or €40,0004. Permanent Total Disablement €40,000Provided that:A) the benefit payable under (1) above is reduced to €1,500 ifthe Insured Person is under 16 years of age or 66 years of ageor over at the time of deathB) the total compensation in respect of any one Insured Personshall not exceed €40,000.DefinitionsLoss of One or More Limbs: loss or severance at or above thewrist or ankle or total permanent loss of use of an entire arm orleg.Loss of Sight: total and irrecoverable loss of sight which shall beconsidered as having occurred:a) in both eyes if your name is added to the Register of BlindPersons on the authority of a fully qualified ophthalmic specialist.b) in one eye if the degree of sight remaining after correction is3/60 or less on the Snellen Scale.Permanent Total Disablement: A disability which has lasted for atleast 12 months from which the Insurer believes the InsuredPerson will never recover and which prevents them from carryingout any gainful occupation for which they are reasonablyqualified by way of training, education or experience.Special ConditionIf an Insured Person was already disabled before the bodilyinjury or already had a condition which is gradually gettingworse, the Insurer may reduce their payment. Any reducedpayment will be based on their medical assessment of thedifference between:A. the disability after the bodily injury; andB. the extent to which the disability is affected by the disability orcondition before the Accident.

SECTION B. PERSONAL ACCIDENT

SECTION C. CANCELLATION or CURTAILMENT

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Up to €6,000 Unless the appropriate additional top up premium has been paidand is shown on your Booking Invoice or Validation Certificate (as applicable).Should an Insured Person necessarily have to cancel theprojected journey before commencement or curtail it beforecompletion as a result of:i) the death, accidental bodily injury, illness, compulsoryquarantine on the orders of a treating Medical Practitioner,redundancy that qualifies for payment under current redundancylegislation, cancellation of leave for Irish Forces, Garda orgovernment security staff, summoning to jury service or witnessattendance in a court of an Insured Person or insured TravellingCompanion.ii) the death, serious injury or illness of,• a Close Relative, or• the person with whom the Insured Person intends to reside atthe holiday or journey destination, or• a Dependent Business Partner,of the Insured Person or insured Travelling Companion whichnecessitates the presence of the person concerned.iii) Hijack.iv) adverse weather conditions making it impossible for anInsured Person to travel to initial point of departure atcommencement of outward journey.v) major damage or burglary at the Insured Person's home orplace of business which at the request of an emergency servicerequires their presence.The Insurer will pay either:a) for Cancellation prior to departure; for the Insured Person’sirrecoverable portion of costs; for travel, accommodation, pre-booked excursions, tours, courses and/or events up to the SumInsured for any of the above reasons, (including Winter SportsEquipment hire, ski school and lift passes for Winter Sports tripswhere the appropriate premium has been paid and shown onyour Booking Invoice or Validation certificate) which have notbeen used and the Insured Person has paid or is contracted topay; orb) for Curtailment after initial departure; or from the date theInsured Person was hospitalised as an in-patient;either, (i) a pro-rata proportion of non-refundable unusedinclusive tour costs, or, (ii) alternatively the original value of non-refundable unusedair tickets up to the Sum Insured; for any of the above reasons.The proportionate value of costs will be calculated either from thedate of return to the Insured Person’s Home Country, or from thedate the Insured Person was hospitalised as an in-patient until thedate they are discharged. The claim will only be based on thenumber of full days not used.

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Where return to a Insured Person’s Home Country is necessaryin an emergency situation they should contact the MedicalEmergency Assistance Service who may be able to assist inhaving existing air tickets amended.EXCLUSIONS APPLICABLE TO SECTION C.The Insurer shall not pay for any claim directly or indirectlycaused by, arising or resulting from, or in connection with:1. travel against any health requirements stipulated by the carrier,their handling agents or any other public transport provider.2. a Pre-existing Medical Condition unless the Insurer has agreedto provide cover and you have paid the additional premiumrequired. There is no cancellation or curtailment cover for a Pre-existing Medical Condition of persons not necessarily travellingbut upon whom travel depends, such as a Close Relative.3. the unused portions of the Insured Person’s ticket, whererepatriation has been arranged at the expense of the Insurer.4. the Insured Person having to cut short their trip but notreturning to their Home Country, in which case the Insurer willonly pay the equivalent costs which the Insured Person wouldhave incurred had they returned to their Home Country.5. the Insured Person being unable to continue with their traveldue to their failure to obtain the passport or visa they require fortheir trip.6. a disinclination to travel or any other adverse financialsituation (except redundancy that qualifies for payment undercurrent redundancy legislation).7. claims associated with the cost of accommodation paid forusing Avios Awards.8. a Policy Excess which will apply to this Section, please refer toGeneral Exclusions.

1. Delayed Departure or Arrivala) If the departure of the aircraft, train or sea vessel in which theInsured Person has arranged to travel is delayed for at least 12hours from the departure time specified in the travel itinerary, or ifthe arrival of the aircraft, train or sea vessel at destination is atleast 12 hours later than the time specified in the travel itinerary,due to Strike or Industrial Action, disruption, Terrorism (includingCyber Terrorism), adverse weather conditions, or mechanicalbreakdown of the aircraft, train or sea vessel. The Insurer will pay €35 for each complete 12 hour period of delaycommencing from the original booked departure time or arrivaltime specified in the travel itinerary up to €140.b) If the departure of the aircraft, train or sea vessel in which theInsured Person has arranged to travel is delayed for at least 12hours from the departure time specified in the travel itinerary dueto Strike or Industrial Action, Terrorism (including CyberTerrorism), adverse weather conditions or mechanical breakdownof the aircraft, train or sea vessel, and as a direct result, the InsuredPerson elects to cancel the whole travel itinerary prior to departure. The Insurer will pay irrecoverable payments and charges made forthe travel, accommodation, tours or excursions up to €2,400.

SECTION D. TRAVEL DELAY

2. Hi-Jack of Aircraft The Insurer will pay compensation of €120 per complete day thatthe Insured Person is in detention due to unlawful seizure orwrongful exercise of control of an aircraft or the crew thereof, inwhich the Insured Person is travelling as a passenger, up to€3,600.3. Failure of Transport Connections in your Home CountryIf the Insured Person arrives at the point of internationaldeparture in their Home Country too late to commence thebooked travel as the result of failure of scheduled public transportservices in their Home Country due to inclement weather, Strikeor Industrial Action, Terrorism (including Cyber Terrorism),disruption, or mechanical breakdown, or as a result of anaccident to the motor vehicle in which the Insured Person istravelling to the point of departure, the Insurer will pay up to€400 for additional travel and accommodation only expensesnecessarily incurred by the Insured Person in order to reach thebooked destination.EXCLUSIONS APPLICABLE TO SECTION D.The Insurer shall not pay for any claim arising directly or indirectlycaused by, arising or resulting from, or in connection with: 1. Strike or Industrial Action, Terrorism (including CyberTerrorism), disruption, war, invasion, riot, or civil commotion inexistence or publicised at the time of effecting the Insurance.2. the withdrawal from service (temporary or otherwise) of anaircraft or train or sea vessel on the recommendation of a PortAuthority or the Irish Aviation Authority or of any similar body.

The Insurer will pay for Loss, Theft or Damage to:1. Baggage. Up to €2,500.The amount payable will be the value at today’s prices less thededuction for wear, tear and depreciation.2. Personal Monies. Up to €600. Cash, Bank or Currency notes,including reasonable expenses incurred as a result of loss, theft ordamage.3. Tickets. Up to €1,800. Air or other tickets includingreasonable expenses incurred as a result of loss, theft or damage.4. Passport or Visas. Up to €300. In respect of the cost of anemergency replacement or temporary passport or visa obtainedwhilst abroad including reasonable and receipted expensesincurred to obtain the same.5. Temporary Loss of Baggage up to €120. If Baggage istemporarily lost for more than 24 hours by an airline, railway orshipping company on the outward journey, for the purchase ofimmediate necessities the Insurer will pay the Insured Person upto €120 supported by receipts, but this will be deducted from thefinal claim if the loss is permanent.NOTE IN RESPECT OF CASHCover will be effective from time of collection from bank orcurrency exchange agent, or for 3 days before commencement ofjourney, or from date of commencement of this Insurance,whichever is the latter.

SECTION E. PERSONAL EFFECTS

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CONDITIONS APPLICABLE TO SECTIONS E & GThe Insured Person must comply with the following conditions tohave the full protection of their policy. If the Insured Person doesnot comply the Insurer may at their option cancel the policy orrefuse to deal with the claim or reduce the amount of any claimpayment.1. The Insured Person shall act at all times as if un-insured andshall exercise reasonable care for the safety and supervision oftheir property and in the event of loss, theft or damage hereunderthe Insured Person shall take all reasonable steps to recover anylost property.2. The maximum the Insurer will pay for any insured article shallbe limited to €375, the value of a pair or set of articles shall belimited to €375, and the value of disc collections, including DVDs,electronic games and music discs shall be limited to €250. TheInsured Person shall produce receipts or other evidence of valueand ownership where possible and in any event in respect of anyitem valued in excess of €120. Where this is not done liabilityshall be limited to €120.3. Loss, theft or damage whilst in the custody or control of acarrier, authority, transport company, garage or hotel must bereported in writing to them and written acknowledgementobtained. 4. There is a maximum limit of €400 in total in respect of allValuables.5. Payment for air tickets is limited to the original purchase priceproportionately for each leg of the journey. Any loss, theft ordamage of air tickets must be reported immediately to the issuingagent.6. Claims for loss, theft or damage to spectacles or sunglasses arelimited to €180 per pair. No Policy Excess shall apply.7. The Insured Person’s failure to comply with local authorityadvice when checking in Baggage may result in a claim beingreduced or declined.EXCLUSIONS APPLICABLE TO SECTION E and G.The Insurer shall not pay for any claim directly or indirectlycaused by, arising or resulting from, or in connection with:1. damage due to moth, vermin, wear and tear and gradual deterioration.2. loss, theft or damage to contact or corneal lenses, dentures orother aids or appliances, cycles, wind or kite/surf boards ormobile telephones. Winter Sports Equipment is excluded unlessthe appropriate premium has been paid and is shown on theBooking Invoice or Validation Certificate (as applicable).3. loss, theft or damage to property hired to the Insured Personor confiscated by Garda, Police, Customs or other relevantauthority.4. loss, theft or damage not reported whilst travelling overseas tothe Police or other relevant authority and a written statementobtained in confirmation.5. the breakage of fragile articles and the consequence thereofunless caused by fire or accident to a means of conveyance. For

example your clothes or camera being damaged by spillage.6. mechanical breakdown or derangement.7. loss, theft or damage to business or professional goods,equipment or samples.8. loss, theft or damage to money, or Valuables left Unattended(including in a vehicle or the custody of scheduled transportservice providers including airlines), unless in a locked safe, alocked hotel room, locked apartment, or locked holidayresidence. Valuables and money are not insured if left in ‘checkedin’ baggage.9. shortages due to error or omission, depreciation in value.10. a Policy Excess which will apply to this Section, please referto General Exclusions.

Up to €35,000 If the Insured Person suffers an incident that results in bodily injury,death or illness caused by a third party during the Period ofInsurance, the Insurer will indemnify the Insured Person for LegalExpenses incurred in pursuit of a claim for damages orcompensation against the third party up to €35,000 for any onejourney. Specific Definitions applicable to the Legal Expenses Section: Legal Expenses shall mean: 1. Fees, expenses and other disbursements reasonably incurred (asdetermined by the Insurer’s legal counsel) by a LegalRepresentative in pursuing a claim or legal proceedings fordamages and/or compensation against a third party who hascaused the Insured Person’s bodily injury, death or illness.2. Fees, expenses and other disbursements reasonably incurred (asdetermined by the Insurer’s legal counsel) by a LegalRepresentative in appealing or resisting an appeal against thejudgement of a court tribunal or arbitrator.3. Costs that the Insured Person is legally liable for following anaward of costs by any court or tribunal or an out-of-court settlementmade in connection with any claim or legal proceedings.Legal Representative shall mean:a solicitor, firm of solicitors, lawyer, or any appropriately qualifiedperson, firm or company, appointed by the Insurer to act on theInsured Person’s behalf. Specific Exclusions applicable to the Legal Expenses Section: 1. a Policy Excess which will apply to this Section, please refer toGeneral Exclusions.2. The Insurer will not pay for anything mentioned in the GeneralExclusions Section.3. The Insurer will not pay any liability arising from:a) any claim reported to the Insurer more than 12 months after thebeginning of the incident which led to the claim;b) Legal Expenses incurred in the defence against any civil claimor legal proceedings made or brought against an Insured Person;c) Legal Expenses incurred before receiving the Insurer’s priorwritten approval, unless such costs would have been incurredsubsequently to the Insurer’s approval;d) Legal Expenses incurred in connection with any criminal or wilfulact committed by an Insured Person;

SECTION F. LEGAL EXPENSES

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e) Legal Expenses incurred for any claim or legal proceedingsbrought against:(i) a travel agent, tour operator, carrier, insurer or their agent; orii) The Insurer, the Insured Person or any company or personinvolved in arranging this Policy;f) fines, compensation or other penalties imposed by a court orother authority;g) Legal Expenses incurred after the Insured Person has notaccepted an offer from a third party to settle a claim or legalproceeding where the offer is considered by all parties to bereasonable or the Insured Person not accepting an offer from theInsurer to settle a claim;h) Legal Expenses which the Insurer considers to be unreasonableor excessive or unreasonably incurred (as determined by theInsurer’s legal counsel);i) actions between individuals named on the Booking Invoice orValidation Certificate;j) Legal Expenses incurred in pursuing any claim for compensationagainst the manufacturer, distributor or supplier of any drug,medication or medicine.Specific Conditions applicable to the Legal Expenses Section: 1. Written consent must be obtained from the Insurer prior toincurring Legal Expenses. This consent will be given if the InsuredPerson can satisfy the Insurer that:a) there are reasonable (as determined by the Insurer’s legalcounsel) grounds for pursing or defending the claim or legalproceedings; andb) it is reasonable (as determined by the Insurer’s legal counsel)for Legal Expenses to be provided in a particular case.The decision to grant consent will take into account the opinion ofthe Insured Person’s Legal Representative as well as that of theInsurer’s own advisers. The Insurer may request, at the InsuredPerson’s own expense, an opinion of counsel as to the merits ofthe claim or legal proceedings. If the claim is admitted, the InsuredPerson’s costs in obtaining this opinion will be covered by thisPolicy.2. All claims or legal proceedings including any appeal againstjudgement resulting from the same original cause, event, orcircumstance, will be regarded as one claim.3. If the Insured Person is successful in any action, any LegalExpenses provided by the Insurer will be reimbursed to the Insurer.4. The Insurer may at their discretion assume control at any timeof any claim or legal proceedings in the Insured Person’s namefor damages and or compensation from a third party.5. The Insurer may at their discretion offer to settle a claim with theInsured Person instead of initiating or continuing any claim or legalproceedings for damages and or compensation from a third party,and any such settlement will be full and final in respect to the claim.6. The Insurer may at their discretion offer to settle a counter-claimagainst the Insured Person instead of continuing any claim or legalproceedings for damages and or compensation from a third party.

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Applicable only if the appropriate premium has been paid and isshown on the Booking Invoice or Validation Certificate (as applicable) and in addition to the cover granted under allother sections of this Insurance. Winter Sports Equipment up to €500The Insurer will pay up to the Sum Insured in respect of:a) Loss, theft or breakage of Winter Sports Equipment owned bythe Insured Person.b) Loss, theft or breakage of Winter Sports Equipment hired toand in the charge of the Insured Person. There is a limit of €375for any single item, set or pair. There is an overall limit of €120in respect of hired Winter Sports Equipment. The Insured Personshall produce receipts or other evidence of value and ownershipwhere possible and in any event in respect of any item valued inexcess of €120. Where this is not done, the maximum payableshall be limited to €120.NOTE: Claims will in any event be settled on the basis of 20%depreciation each year for such items.Winter Sports Equipment Hire up to €300The Insurer will pay up to the Sum Insured in respect of the cost ofnecessary hire of Winter Sports Equipment following:–a) Loss, theft or breakage of an Insured Person’s Winter SportsEquipment.b) The misdirection or delay in transit of an Insured Person’sWinter Sports Equipment, subject to the Insured Person beingdeprived of their use for not less than 12 hours.Ski Pack up to €300The Insurer will pay up to the Sum Insured in respect of theproportionate value of any ski pass, hire or tuition fee necessarilyunused due to the following:a) Accident or sickness of an Insured Person.b) Loss, theft or damage of ski pass.Piste Closure up to €300The Insurer will pay up to €30 for each 24 hour period that it isnot possible to ski, up to the maximum Sum Insured, for additionaltransport costs incurred to reach an alternative resort caused by alack of snow or avalanche at an Insured Person’s pre-bookedresort following the closure of skiing facilities.Avalanche Closure up to €300The Insurer will pay up to the Sum Insured in respect of additionaltravel and accommodation expenses necessarily incurred in theevent that the outward or return journey by public transport isdelayed beyond the scheduled arrival time as a direct result ofavalanche. Subject to a delay of not less than 12 hours havingoccurred.NOTE: This Winter Sports Extension is subject to the sameConditions and Exclusions as Section E Personal Effects, otherthan the exclusion of hired Winter Sports Equipment.

SECTION G. WINTER SPORTS EXTENSION

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Please note: Winter Sports activities using a recognised pisteare only insured if the appropriate premium has been paidand is shown on the Booking Invoice or Validation Certificate(as applicable). Random 'off piste' winter sports activities willonly be insured if, in addition to the requirement notedabove, they are with a qualified instructor or in a group ofnot less than 3 persons in possession of workingcommunications or portable telephones. No cover for wintersports activities against local authority advice.

EXCLUSIONS APPLICABLE TO SECTION G.The Insurer shall not be liable for any claim directly or indirectlycaused by, arising or resulting from, or in connection with:1. occurrences detailed above that do not occur during thePeriod of Insurance.2. the Insured Person participating in ski-racing, ski-jumping,ice hockey, freestyle winter sports or the use of bob sleighs orskeletons.3. the Winter Sports Equipment Hire, Ski Pack, Piste Closure orAvalanche benefits above not supported by documentaryevidence.4. the loss, theft or damage of Winter Sports Equipment overfive years old.5. loss, theft or damage to Winter Sports Equipment carried ona vehicle roof rack.6. loss of or damage to Winter Sports Equipment whilst in use.7. Piste Closure outside the months that constitute the localregular ski season.8. a Policy Excess which will apply to this Section, please refer toGeneral Exclusions.

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This Section is only valid if the additional premium has been paidand this is shown on your Booking Invoice or ValidationCertificate (as applicable).1. Cruise Cabin Confinement. Up to €600The Insurer will pay up to €60 for each complete 24 hour periodthat the Insured Person is confined by the ship’s medical officer totheir cabin due to an accident or illness which is covered underSection A – Medical Emergency, Repatriation and AssociatedExpenses during the period of the trip up to €600.SPECIFIC EXCLUSIONS APPLYING TO SECTION H1The Insurer shall not pay for any claim directly or indirectlycaused by, arising or resulting from, or in connection with anyconfinement to the Insured Person’s cabin which has not beenconfirmed in writing by the ship’s medical officer.

2. Unused Cruise Excursions. Up to €600The Insurer will pay up to €600 for the cost of pre-bookedexcursions, which an Insured Person is unable to use as a directresult of being confined to their own cabin due to an accident orillness which is covered under Section A – Medical, Repatriationand Associated Expenses during the period of the trip.

SPECIFIC EXCLUSIONS APPLYING TO SECTION H2The Insurer shall not pay for any claim directly or indirectlycaused by, arising or resulting from, or in connection with anyconfinement to an Insured Person’s cabin which has not beenconfirmed in writing by the ship’s medical officer.

3. Cruise Itinerary Change. Up to €900The Insurer will pay up to €180 for each missed port in the eventof the cancellation of a scheduled port visit due to adverseweather or timetable restrictions up to €900. This must beconfirmed by the cruise operator in writing confirming the reasonfor the missed port.

SPECIFIC EXCLUSIONS APPLYING TO SECTION H3The Insurer shall not pay for any claim directly or indirectlycaused by, arising or resulting from, or in connection with:1. Claims arising from a missed port caused by Strike orIndustrial Action if the Strike or Industrial Action was notified atthe time that the insurance was purchased.2. The Insured Person’s failure to attend the excursion as per theiritinerary.3. Claims arising from when the ship cannot put people ashoredue to a scheduled tender operation failure.4. Claims where a monetary amount (including on board credit)of compensation has been offered by the ship or tour operator.

4. Missed Cruise Connection. Up to €1,800The Insurer will pay up to €1,800 for reasonable additionalaccommodation (room only) and travel expenses necessarilyincurred in joining your cruise ship if you miss the originaldeparture or to join your return pre-booked transport if you fail to

SECTION H. CRUISE COVER EXTENSION

disembark at the original disembarkation port as a result of:1. the failure of scheduled public transport or2. an accident to the vehicle in which the Insured Person istravelling or3. Strike or Industrial Action or adverse weather conditions.

SPECIFIC EXCLUSIONS APPLYING TO SECTION H4The Insurer shall not pay for any claim directly or indirectlycaused by, arising or resulting from, or in connection with:1. Claims arising directly or indirectly from:a) Strike or Industrial Action or air traffic control delay existingor publicly declared by the date this insurance is purchased by theInsured Person or the date the trip was booked whichever is thelater.b) An accident to the vehicle in which the Insured Person istravelling for which a professional repairers report is notprovided.c) Withdrawal from service (temporary or otherwise) of anaircraft or sea vessel on the recommendation of the Civil AviationAuthority or a Port Authority or any such regulatory body in acountry to/from which the Insured Person is travelling.2. Additional expenses where the scheduled public transportoperator has offered reasonable alternative travel arrangements.3. Additional expenses where the planned arrival time atembarkation/ disembarkation port is less than 3 hours in advanceof the sail departure time if you are travelling independently andnot part of an integrated cruise package.4. a Policy Excess which will apply to this Section, please refer toGeneral Exclusions.

SPECIAL CONDITIONS APPLYING TO SECTION H4.The Insured Person must allow sufficient time for the scheduledpublic transport or other transport to arrive on schedule and todeliver you to the departure point.

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35

Area 1: EUROPEEurope means the continent of Europe West of the UralMountains, and also countries bordering theMediterranean, plus Iceland, Jordan, Madeira, theCanary, Azores and Mediterranean Islands.

Area 2: AUSTRALIA & NEW ZEALAND(a For any period of cover purchased Area 2 caninclude a 48 hour stop-over anywhere in the World forboth outward and return travel.(b) If the period of cover purchased is two months ormore Area 2 can be extended to include a maximumof 7 days/nights anywhere in the World.

Area 3: WORLDWIDE EXCLUDING NORTH AMERICANorth America means the USA & Canada(a) For any period of cover purchased Area 3 caninclude a 48 hour stop-over anywhere in the world forboth outward and return travel.(b) If the period of cover purchased is two months ormore Area 3 can be extended to include a maximumof 7 days/nights anywhere in the World.

Area 4: WORLDWIDE

Republic of Ireland only:Whilst insurance is available for holidays in theRepublic of Ireland, Section A. Medical Expenses andPersonal Liability. 1. Medical and AssociatedExpenses, 2. In Patient Benefit and 3. Criminal InjuriesBenefit shall be inoperative.

GEOGRAPHICAL AREAS

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SINGLE TRIP INSURANCE PREMIUMS – PER PERSONAREA 1 AREA 2 AREA 3 AREA 4EUROPE AUSTRALASIA W/WIDE W/WIDE

EXCL N. AMERICA 4 days €18 €44 €56 €679 days €23 €57 €67 €7917 days €29 €67 €71 €8724 days €39 €71 €82 €9532 days €53 €77 €89 €10245 days €89 €113 €133 €15962 days €112 €149 €159 €19975 days €144 €174 €205 €2533 months €172 €205 €253 €2994 months €216 €229 €294 €3455 months €226 €275 €339 €3856 months €252 €308 €375 €4327 months n/a €345 €409 €4738 months n/a €385 €449 €5159 months n/a €410 €495 €56510 months n/a €459 €525 €59511 months n/a €489 €565 €64912 months n/a €510 €595 €679

The above premiums include Government imposed Insurance Premium levy and Stamp Duty at the applicable rate.

25% Discount with overseas Private Medical Insurance.If you have a valid Private Medical Health Insurance that covers you throughoutthe entire period of insurance whilst overseas and does not exclude or restrictcover for any medical conditions you have or have had, you may wish to takeadvantage of a 25% discount on the above premiums.

FAMILY RATE For families travelling together a special premiumapplies, for children aged 18 years or under, or 21 years or under ifin full time education, at date of payment of insurance premium. Adultspay normal premium, the first child is charged half premium and allother children are insured FREE OF CHARGE.FREE COVER – INFANTS UNDER TWO Infants aged under two yearsat departure can be included free of charge, if travelling from departurepoint with a parent insured under this scheme – so long as you requestthat their name is included on your Booking Invoice or ValidationCertificate (as applicable).AGE 66 to 69 For persons aged 66 to 69 years at date of payment ofinsurance premium double the standard rates apply. Age 70 years or more For persons aged 70 years or more at date ofpayment of insurance premium triple the standard rates apply. No cover for persons aged 76 years or more at date of payment ofinsurance premium.WINTER SPORTS Double premiums, or €40, whichever the lesser,apply to include Winter Sports activities, for up to 28 days in whichcase the additional cover outlined in Section G applies.

CRUISE COVER €12 per Insured Person in which case theadditional cover outlined in Section H applies.INCREASED CANCELLATION OR CURTAILMENT COVER If the cost ofyour trip exceeds the standard €6,000 per person, you can top up thecover under Section C at a cost of €9 per person for each additional€100 of cover up to a maximum sum insured of €10,000 per person.

SINGLE TRIP PREMIUM OPTIONS

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Abseiling/Rap Jumping (supervisedonly)AerobicsArcheryAthleticsBackpackingBaseball/Rounders/SoftballBattle Re-enactment (no live ammunition)Banana BoatingBasketballBoogie BoardingBoulderingBowlsBreathing Observation/ BubbleDivingBridge WalkingBungy Jumping (maximum 2 jumps)Canoeing/Kayaking (freshwater/sea)Canyoning/KloofingCricketCross Country skiing/ LanglaufenCurlingCycling (cycles not covered)Dog SleddingDrag HuntingDragon BoatingDune/Wadi BashingFalconryFell/Gorge Walking (on recognisedroutes)Fell/Gorge Running (on recognisedroutes)FencingField HockeyFishing (Course/Fly/Deep-sea)Football (Soccer)Go KartingGolfGorge SwingingGymnasticsGuided Glacier WalkingHot Air Ballooning (as passengeronly)Horse Riding or riding other animalsHurlingHydro SpeedingJet Boating

Jet SkiingMarathon RunningMountain BikingMountain BoardingNetballNon-Manual WorkOrienteeringOutward Bound PursuitsOverland travelPaintballingParascending/ParasailingRacquet SportsRoller Blading/Ice SkatingRowingRunning/JoggingSafari/Gorilla TrekkingSafari Travel (in a vehicle, horsebackor on foot)SailingScuba Diving (up to 40 metres indepth) excluding solo divingShark Cage DivingShootingSnow Shoeing (guided)SnorkellingSurfing (surf board excluded frompolicy)SwimmingTable TennisTall Ship CrewingTrampoliningTree Canopy WalksTrekking/Rambling/Hiking(Recognised routes only)TriathlonTug of WarTubingVia FerrataVolley BallVolunteering (as defined)Wall Climbing (Manmade ClimbingWalls)Wake Boarding/ Water SkiingWater PoloWhite/Black Water Rafting orCanoeingWindsurfing (boards not covered)Zip LiningZorbing

Subject to the exclusions of this Policy, the following recreational, non-professional (amateur) non-competitive activities are automatically covered atstandard premiums.To establish if cover can be provided for any professional or competitiveactivities please refer to Trailfinders for a quotation, as an additionalpremium may be payable. Tel: 01 702 9102

SPORTING AND HAZARDOUS ACTIVITIES

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Principal Insured Person €159.00 Family Premium to include Spouse/Partner €229.00

The above premiums include Government imposed InsurancePremium levy and Stamp Duty at the applicable rate.CHILDREN Your children can be included Free of Charge,including independent travel, provided they are aged 18 years orunder, or 21 years or under if in full time education, at the dateof payment of insurance premium and you have requested thattheir name be included on the Booking Invoice or ValidationCertificate (as applicable) issued to you.AGE 66 AND OVER For persons aged 66 to 69 years at the dateof payment of insurance premium, double the standard ratesapply.For persons aged 70 to 75 years at date of payment of insurancepremium triple the standard rates apply.Cover is not available for persons aged 76 years or more at dateof payment of insurance premium.PERIOD OF TRAVEL This insurance is only available for tripswhere the entire period of travel for any one trip does not exceed70 days. Any trip which at the commencement of the insurance isknown to be longer than the maximum duration of any one trip asstated is not insured for any part of such trip.WINTER SPORTS Cover is automatically granted for WinterSports up to a total of 28 days in all during the period of thisinsurance.CRUISE COVER €17 per policy in which case the additional coveroutlined in Section H applies.INCREASED CANCELLATION OR CURTAILMENT COVER If the costof your trip exceeds the standard €6,000 per person, you can topup the cover under Section C at a cost of €9 per person for eachadditional €100 of cover up to a maximum sum insured of€10,000 per person.

25% Discount with overseas Private Medical Insurance.If you have a valid Private Medical Health Insurance that covers youthroughout the entire period of insurance whilst overseas and does notexclude or restrict cover for any medical conditions you have or havehad, you may wish to take advantage of a 25% discount on the abovepremiums.

Where this Insurance is being issued as an Annual Multi TripTravel Policy and the appropriate premium has been paid and isshown on the Booking Invoice or Validation Certificate (as applicable) it is agreed by the Insurer to cover all trips madeby the Insured Person(s) during the Period of Insurance:a) to destinations outside of their Home Country and; b) within their Home Country if such trip includes at least twonights pre-booked accommodation, subject to each trip shall bedeemed to be a separate insurance subject to the terms,conditions, limitations and exclusions contained herein.

ANNUAL INSURANCE PREMIUM OPTIONS

The following documentation (if applicable) will be required by theClaims Handlers, in order that a claim may be processed. Originalswill be required, as settlement cannot be made with photocopieddocuments. Further documentation may be required depending onthe individual circumstances of your claim. Please note the policydoes not cover the cost of obtaining duplicate receipt or MedicalCertificates. For all sections of cover you will be required to submit:a) Your Booking Invoice or Validation Certificate confirming proofof payment of the insurance premium.b) Your travel Trip Itinerary confirming dates of travelc) Your travel Booking Confirmation Receipt(s) showing the date oforiginal booking and amount paid.d) Travel / Air TicketsCANCELLATION OR CURTAILMENTYour Cancellation InvoiceCompleted Medical Certificate if Cancellation for medical reasons(which can be found on the claim form)Copy of Death CertificateRedundancy letter Evidence from treating Medical Practitioner confirming curtailmentwas medically necessary (Curtailment only)BAGGAGE AND PERSONAL MONEYReceipts or other evidence to support ownership and value for theitems claimedBaggage Check TagsA written report from the person/company to whom the loss wasreported whilst travelling overseas (e.g. Police Report)Proof of date and time baggage was returned to you (BaggageDelay Claims only)Evidence to support damage (e.g. Repairers report of total loss ordamage)MEDICAL EXPENSESOriginal ReceiptsMedical Evidence to support nature of illness or injury Evidence of Hospital admission and dischargeAdditional Travel Tickets TRAVEL DELAY/ MISSED DEPARTUREReplacement tickets and invoices /receiptsA letter from the airline (or similar) confirming the scheduled andactual time of departure including the official cause of the delay.

39

CLAIMS CHECKLIST

24 HR MEDICAL EMERGENCIES

From within the USA (Toll Free): 1 877 738-1618

The Medical Emergency Assistance Service willrequire the following information to assist invalidating cover:.Scheme reference: CIHCC16TRAI.Booking Invoice or Validation Certificate number .Dates of travel .Contact details of treating hospital.Signed Medical Consent Form

IMMEDIATE CONTACT MUST BE MADE with theMedical Emergency Assistance Service in the event ofdeath, injury or illness necessitating hospitalisation,repatriation, alteration to travel plans or curtailment oftravel.

For Medical Emergency treatment in North Americaplease contact the First Health Network prior to obtainingany treatment. Please note, the Insured Person’s failure to contact theMedical Emergency Assistance Service may result in theirclaim being reduced or declined. The Medical Emergency Assistance Service may requirewritten consent to contact the Insured Person's usualMedical Practitioner to obtain details of any past medicalhistory specifically relating to a claim under this insurancebefore confirming cover.

From outside the USA: +(44) (0) 20 3805 7291

40

For all medical emergencies please contact the appropriate medical emergency assistance

number shown overleaf.The Medical Emergency Assistance Service will require the

following information to assist in validating cover:

SCHEME REFERENCE: CIHCC16TRAI• Booking Invoice or Validation Certificate number • Dates of travel • Contact details of treating hospital • Signed Medical Consent Form

HOW TO MAKE A CLAIM

NON EMERGENCY CLAIMS PROCEDURE

Notice must be given within 45 days of the date of occurrence of any claim under this Insurance.

To submit a claim online please go to:www.submitaclaim.co.uk/tfi

Alternatively to notify a claim and download a claim formplease contact the claims handlers: www.csal.co.uk

Claims Settlement Agencies308-314 London Road, Hadleigh, Essex SS7 2DD UKTel: +44 (0) 1702 427 172 Email: info@csal.co.uk

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25429 TF Eire DIN2 2016.qxp_TF DIN1 EIRE 2016 08/12/2015 09:13 Page 44