SECTION 1
CANCELLATION
Covered
You are covered up to [click here] for travel and accommodation cancellation costs relating only to those people specified on the insurance schedule. (If travel arrangements were paid for by Air Miles or by any other form of redeemable vouchers, reimbursement will be the reinstatement of the Air Miles or redeemable vouchers to their original account. If reinstatement is not possible, we will reimburse the lowest advertised fare by the airline for the flight in question). Cancellation must be necessary and unavoidable and not as a result of disinclination to undertake your planned trip. Cover is only provided due to a cause listed below occurring during the period of insurance:
- injury, serious illness, death or being subject to quarantine of you, any person with whom you are intending to travel or stay, an immediate relative of yours or of any person with whom you intend to travel or a close business associate of yours;
- you being called for jury service, attending court as a witness (but not as an expert witness or where your employment would normally require you to attend court);
- you or any person with whom you have arranged to travel being made redundant where you/they have been employed for two continuous years with the same employer at the time of being made redundant and are under the normal retirement age for someone holding that position;
- your home or place of business being made uninhabitable, within 14 days prior to the date of travel, or the police asking to see you after a theft from your home which occurred within 14 days of travel;
- your posting overseas or emergency and unavoidable duty if you are a member of the medical or nursing professions, police, fire or ambulance services.
Not Covered
- the policy excess of £50 (except for deposit only claims where the excess is £20 per insured);
- medically related claims where a certificate has not been obtained from a medical practitioner, confirming that cancellation of the trip is necessary on medical grounds;
- any claim arising directly or indirectly as a result of a medical condition which has been suffered by you or for which medication, advice or treatment has been given to you in the last 12 months prior to the date this policy was issued or the date the trip was booked (whichever is later), unless declared to us, agreed by us on your insurance schedule and additional premium paid if required;
- medically related claims as a result of your travel companion, an immediate relative or close business associate of you or the person with whom you have arranged to stay on the trip, having suffered a condition or for which they have received medication, medical advice or treatment within six months prior to the date this policy was issued or the date the trip was booked (whichever is later);
- additional cancellation costs incurred as a result of not immediately telling the travel agent, tour operator or provider of transport or accommodation that you need to cancel the trip. We will only pay the cancellation charges that would have applied at the time you knew it was necessary to cancel your trip, if a valid claim exists;
- any costs incurred on behalf of other party members who are not specified on the insurance schedule;
- any costs recoverable from another source (e.g. airport taxes);
- any claim as a consequence of prohibitive regulations of the Government of any country;
- anything listed in "Exclusions applicable to the whole policy".
