• Home
• Single Trip Travel Insurance
• Multi Trip Travel Insurance

DEFINITIONS APPLICABLE TO THE WHOLE POLICY

Whenever the following words appear in this policy they will always have these meanings:

We/Us/Our: Professional Travel Insurance Company Ltd. and their appointed representatives.
You/Your: Each insured person as shown on your insurance schedule.
Additional Sports Equipment: items taken on a trip used exclusively for a sport or activity declared to us and shown on your insurance schedule.
Cash: Any legal currency.
Close Business Associate: Any person whose absence from business for one or more complete days at the same time as your absence prevents the effective continuation of that business.
Country of Residence: The United Kingdom or as stated on your insurance schedule.
Curtail/Curtailment: Return home early to your country of residence.
Documents: Travel tickets, passports and driving licence held by you for social, domestic and/or pleasure purposes.
Endorsement: A written agreement detailing specific policy terms.
Excess: An amount deducted in the event of a claim that applies to every incident and each insured person involved.
Golf Equipment: Golf clubs, golf bags, golf trolley, waterproof clothing, golf umbrellas and golf shoes, which are used exclusively for playing or practising golf.
Home: Your residential address in your country of residence.
Immediate Relative: Mother, father, sister, brother, wife, husband, daughter, son, grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, step-parent, step-child, step-brother or step-sister.
Medical Condition: Any medical condition, which has been suffered or under review (routine or otherwise), or for which medication, advice or treatment has been received within the past 12 months (prior to the date your policy is issued). This includes longstanding conditions as well as injuries that may be exacerbated by the activity/trip you propose to undertake.
Medical Practitioner: A registered practising member of the medical profession who is not related to you or to any person with whom you are travelling or intending to stay.
Personal Baggage: Your suitcases (or similar luggage carriers) and contents usually taken on a trip, together with articles worn or carried by you for your individual use during your trip. (Not including any specialised items, medical or otherwise).
Public Transport: The following regular scheduled forms of transport: train, coach, taxi, bus, aircraft and sea vessel, on which you are a fare paying passenger.
Valuables: Cameras, photographic equipment, binoculars, video equipment, compact/mini discs and players, radios, computers and accessories, mobile telephones, video games, TV sets, prescribed medication.
Winter Sports: On and off piste skiing and snowboarding, tobogganing, outdoor ice skating.
Winter Sports Equipment: Skis, bindings, ski boots, ski poles, snowboards and specialised clothing.