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EXCLUSIONS APPLICABLE TO THE WHOLE POLICY

You are not covered for anything caused as a consequence of the following unless an endorsement has been issued by us:

1. any medical condition of you or anyone upon whom the trip depends;
2. a diagnosis of anxiety, depression or any psychotic mental illness being made before you apply for insurance and relating to you or anyone upon whom the trip depends;
3. pregnancy within 12 weeks before the estimated date of delivery;
4. suicide, attempted suicide, self inflicted injury, alcohol or drug abuse, alcoholism, drug addiction, solvent abuse, wilful exposure to exceptional risk (unless you are trying to save someone’s life);
5. sexually transmitted diseases;
6. HIV or a related illness including AIDS and/or any mutant derivative thereof, however caused;
7. the crewing of a vessel or taking part in expeditions;
8. manual work of any kind;
9. travelling on motorcycles over 125cc;
10. professional or organised sports, winter sports, racing, speed or endurance tests or dangerous pursuits;
11. sports and activities not described in General Conditions D or declared to and agreed by us and an additional premium paid if required;
12. bankruptcy/liquidation of a tour operator, travel agent or transport company;
13. consequential loss of any kind (e.g. loss of earnings);
14. any costs incurred on behalf of other party members who are not specified on the insurance schedule;
15. any costs recoverable from another source;
16. any payment which you would normally have made during your travels, if no claim had arisen;
17. travelling to a specific area against the advice issued by the Foreign and Commonwealth Office;
18. failure to comply with laws applicable to the country in which you are travelling;
19. air travel (other than as a fare-paying passenger on a regular scheduled airline or licensed charter aircraft);
20. ionising radiation or radioactive contamination from nuclear fuel or nuclear waste or any risk from nuclear equipment.
21. any consequence whether direct or indirect of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), any acts of terrorism, civil war, rebellion, revolution, insurrection, blockade, military or usurped power.