What your policy covers

The following is merely a partial list of coverage and exclusions common to most travel insurance policies. These may vary greatly from company to company. Again, consult with a professional financial advisor to get the proper policy that will fill your needs.

Date Change Exclusion: Changes in dates and other systems containing computer chips, which depend on date-related information in order to work properly. Other than in respect of Sections 2 and 3, your policy excludes anything directly or indirectly caused by failure of any computer hardware or software or other electrical equipment to recognize or process any date as its true calendar date.

Medical Expenses: the policy does not provide private health treatment unless specifically approved by the emergency service.

Health: the certificate contains conditions relating to the health of the people traveling and others upon whose well being the trip may depend. It may be that you are required to disclose the condition of such people prior to cover being issued and you must be aware that failure to disclose such information will prejudice your position in the event of a claim.

Property claims: these are settled on an indemnity basis - not on a "new for old" or replacement cost basis, unless otherwise stated in the policy.

Limits: most sections of the policy have limits on the amount the insurer will pay under that section. Some sections also include inner limits e.g.: for one item, or for valuables in total. UK Law allows the parties to choose the law applicable to the contract. The contract will be subject to English Law unless otherwise agreed.

Excesses: claims under most sections of the policy will be subject to an excess. Where there is an excess, you will be responsible for paying the first part of a claim.

Reasonable Care: you are required to take all reasonable care to protect yourself and your property and to act as though you are not insured.

Complaints: the insurance policy includes a complaints procedure which tells you what steps you can take if you wish to make a complaint.

"Cooling Off" Period: the policy contains a "cooling off" period which allows you to return it and obtain a full refund if you have justifiable reason to be dissatisfied with the cover provided. Please see the section entitled: Cooling Off Period.

Hazardous Holiday Activities: the policy may not cover you when you take part in certain hazardous activities e.g.: Mountaineering. If you want cover for such activities, please contact your issuing agent. Please see section entitled 'Hazardous Activities" to see what activities are covered under the policy at no additional premium, what activities can be included in return for additional premium and what to do if you wish to participate in an activity not listed...