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SECTION 12

LEGAL EXPENSES

Covered

You are covered up to [click here] for legal costs and expenses incurred to claim for compensation or damages if you are injured or you die during the period of your trip.

Conditions

1. You must obtain as much information as possible, including police reports, witness details and any photographs and contact the Claims Service as soon as possible, submitting your request in writing.
2. We shall have control over the legal proceedings and the selection, appointment and control of a solicitor. You must follow the advice provided by our appointed legal representatives. Failure to do so will result in cover being withdrawn.
3. If an award for compensation is made, and payment is received by you, or by a lawyer instructed on your behalf, you must repay all sums advanced or paid by us out of the compensation received.

Not Covered

1. the policy excess of £200
2. any claim reported to us more than 90 days after the occurrence of the incident giving rise to the claim;
3. costs incurred in pursuit of any claim against us, our agents, an Insurer underwriting any section of this policy, a travel agent, a tour operator or carrier;
4. legal expenses incurred either prior to our written acknowledgement granting our support or obtained without our written consent;
5. any claim where we consider a reasonable settlement is unlikely or where the cost of the action could be more than the settlement;
6. any cost for bringing a legal action in more than one country for the same event;
7. actions between members of the same household or a relative or travelling companion, or actions to enforce a judgement or legally binding decision;
8. any amount deducted in legal fees from your compensation or damages, which has been calculated as a proportion or percentage of those damages;
9. the funding of any appeal costs;
10. travel and accommodation expenses incurred in pursuit of a legal action;
11. anything listed in "Exclusions applicable to the whole policy".