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SECTION 3

PERSONAL ACCIDENT

Covered

You are covered up to [click here] for benefits, which will be paid to you or your legal representative, if you sustain bodily injury caused solely and directly by outward violence and visible means during your trip which, at the end of 12 months of the occurrence of that accident, is the sole cause of:

1. your death;
2. the physical loss of or permanent and total loss of use of one or more limbs at or above the wrist or ankle;
3. the complete and irrecoverable loss of sight in one or both eyes;
4. permanent total disablement which prevents you from attending to any business or occupation in any capacity for a period of 12 months and which, in the opinion of our medical and/or vocational advisors, will not improve.

Conditions

1. If you are aged under 16 or over 70 at the time of the accident, the death benefit will be limited to funeral and other reasonable costs up to £3,000 and the permanent total disablement benefit will not apply;
2. The permanent total disablement benefit is limited to 50% if you were not employed for six months prior to the departure date of the trip in which the accident occurred.
3. No benefits shall be paid for more than one loss suffered
4. You must agree to examination by our medical and/or vocational advisors.

Not Covered

1. any claims caused as a consequence of:
     A. disease or any physical defect or illness;
     B. an injury which existed prior to the beginning of the trip/purchase of the policy;
2. anything listed in "Exclusions applicable to the whole policy".