Studentguard +Group Personal Accident & Travel Insurance
POLICY SCHEDULE
Policy Wording Applicable: Ortus Underwriting Studentguard + Group Travel V1 0123
This Schedule forms part of the policy. Please keep it safe and note that you must advise
your insurance intermediary of any changes to the risk and items to be covered.
Policy Number:

ORT/GPAIBT/10263981

Insurance Intermediary:

One Education, a trading style of One Broker (GDIS) Ltd

Group Policyholder:

Nacel English School London Ltd

Postal Address:

53 Ballards Lane, Finchley Central, London

Postcode:N3 1XP

Agency Number:

ONE1

From:

To:

Period of Insurance

08th October 2023

07th October 2024

Renewal Date:

08th October 2024

Business Description:

Language School

Premium:

As declared quarterly at a rate of £5.80 inclusive of IPT at 20% per student week.

Date of Issue:

25th October 2023

Declarations:
The Group Policyholder must forward quarterly declarations confirming the names of all Insured Persons covered
under this policy, the date of course booking, the commencement date of the Academic Course, the duration of coverand the premium due to Us. Such declarations and the premium must be sent to us within 30 days of the end of theend of the quarter in which the course booking was made.

Category:A

Category:A

Insured Persons:
Any student who has booked an academic course with the Group Policyholder.

Operative Time
Cover under Section 1 - Cancellation, Curtailment or Change of Itinerary commences as soon as thejourney is booked and ends when the student leaves home to commence the journey.
Cover under Section 2 – Course Fees commences as soon as the academic course is booked and ends
when the student has completed their course.
Cover under the other sections commences as soon as the student leaves home on the first day and ends
when they reach home on the last day of the journey.
Cover for up to 14 days independent travel within Europe is also covered by this policy.

This Insurance is provided by Canopius Managing Agents Limited (Firm reference number: 204847) and underwritten by Ortus Underwriting(Firm reference number: 590914) for Lloyd’s Syndicate 4444. Unique Market Reference: B1307C231271
Studentguard + Group Travel Schedule V1

Benefits: TRAVEL
SectionSum Insured / Limit of Indemnity*

Excess

1. Cancellation, Curtailment or Change of Itinerary

Up to £7,500£50

2. Course Fees

Up to £7,500£50

Up to £10 million£ 500£2,000Up to £10 million£5,000

£50
£50
£50
Nil
£50

4. Personal Belongings
A. Delayed Baggage£2,000
£ 100

£50
Nil

5. Money
Cash (coins and/or banknotes)
A. Fraudulent Use of Credit Cards
B. Emergency Replacement of Passport and other
Documents

£ 250
£ 100
£ 250
£ 250

£50
£50
£50
£50

6. Personal Liability – Limit of Indemnity£2,000,000

Nil

7. Overseas Legal Expenses

Up to £25,000

Nil

3. Medical Expenses
A. Medical Expenses
A1. Emergency Dental Pain Relief Treatment
A2. Emergency Mental Health Treatment
B. Emergency Repatriation Expenses
C. Supplementary Travel and Accommodation Expenses

Optional Cover: Cover only applies if provided by the Group Policyholder and shown as Insured in the table below
Valuables Extension to Section 4. Personal Belongings

Sum Insured

ExcessInsured

£300

£50

Yes

Natural Disaster extension to
Section 1. Cancellation, Curtailment or Change of Itinerary
Section 2. Course Fees

Yes

Benefits: PERSONAL ACCIDENT
Section 8 – Personal Accident

Sum Insured / Limit of Indemnity*

Accidental Bodily Injury resulting in:

Category A

Death*£25,000

Loss of Sight£25,000

Loss of Hearing one ear£ 5,000

Loss of Hearing both ears

£25,000

Loss of Limb

£25,000

Loss of Speech£25,000

Permanent Total Disablement**£25,000

Permanent Partial Disablement

Up to £25,000* Death Benefit is restricted to £5,000 for persons under 16** The basis of cover for Permanent Total Disablement is Any and Every Occupation

Personal Accident: Maximum Benefit any one Insured Person
Death and Capital Sums:£25,000

This Insurance is provided by Canopius Managing Agents Limited (Firm reference number: 204847) and underwritten by Ortus Underwriting(Firm reference number: 590914) for Lloyd’s Syndicate 4444. Unique Market Reference: B1307C231271
Studentguard + Group Travel Schedule V1

Additional Endorsements Applicable
None.

This Insurance is provided by Canopius Managing Agents Limited (Firm reference number: 204847) and underwritten by Ortus Underwriting(Firm reference number: 590914) for Lloyd’s Syndicate 4444. Unique Market Reference: B1307C231271
Studentguard + Group Travel Schedule V1

Studentguard +Group Personal Accident & Travel Insurance
Policy Wording

4Contents

Page

Introduction

1

Contract of Insurance

1

Important Information

3

Complaints Procedure

4

Contact details for claims and help

5

Policy Definitions

7

Sections of Cover:Cancellation, Curtailment or Change of Itinerary

11

Course Fees

13

Medical Expenses

14

Personal Belongings

15

Money

16

Personal Liability

17

Overseas Legal Expenses

18

Personal Accident

20

Policy Conditions

21

Policy Exclusions

25

Additional Optional Extension – Natural Disaster30

Introduction
Thank You for choosing Ortus Underwriting to be Your Insurance Provider. Ortus Underwriting is a trading name of Xact
Risk Solutions Limited.
This Travel and Personal Accident insurance policy sets out the insurance protection in detail.
The premium has been calculated on the basis of the extent of cover You as the Group Policyholder have agreed with Us
which is specified in the Schedule, the information You have provided and the declaration You have made. Please read thepolicy and the Schedule carefully to ensure that the cover meets the requirements of the Insured Person(s) and You.
Please take the time to read all these documents to make sure that the cover meets Your needs and that You understandthe terms, exclusions and conditions. Please contact Your insurance intermediary if You have any questions or if You wish
to make adjustments.
This policy consists of individual sections. You should read this policy in conjunction with the Schedule that confirms thesections insured and for any endorsements altering the cover as this gives precise details of the extent of the insurance
protection in force.
You agree to make available a copy of this policy to any Insured Person who is eligible to make a claim under this policy.
This policy is administered by Ortus Underwriting, in accordance with the authority granted under a binding authority
agreement with Us.

The Contract of Insurance
The policy wording, the information You have provided and/or the application form/statement of fact, the policy Schedule,
or notice issued by Us at renewal and any endorsements together form the contract of insurance between Us and You,and must be read together.
In return for You having paid or agreed to pay the premium, We will provide the cover set out in this policy, to the extent ofand subject to the terms contained in or endorsed on this policy.
Important
This policy is a legal contract. You must tell Us about any material circumstances which affect Your insurance and whichhave occurred either since the policy started or since the last renewal date.
A circumstance is material if it would influence Our judgement in determining whether to provide the cover and, if so, on
what terms. If You are not sure whether a circumstance is material, please ask Your insurance intermediary who arranged
this insurance. If You fail to tell Us it could affect the extent of cover provided under the policy.
You should keep a written record (including copies of letters) of any information You give Us or Your insuranceintermediary when You renew this policy.

Breach of Term
We agree that where there has been a breach of any term (express or implied) which would otherwise result in Us
automatically being discharged from any liability, then such a breach shall result in any liability We might have under thispolicy being suspended. Such a suspension will apply only from the date and time at which the breach occurred and up
until the date and time at which the breach is remedied. This means that We will have no liability in respect of any loss
occurring, or attributable to something happening, during the period of suspension.

Terms not relevant to the actual loss
Where there has been non-compliance with any term (express or implied) of this policy, other than a term that defines therisk as a whole, and compliance with such term would tend to reduce the risk of:• loss of a particular kind, and/or• loss at a particular location, and/or• loss at a particular time,then We agree that We may not rely on the non-compliance to exclude, limit or discharge Our liability under this policy if
You show that non-compliance with the term could not have increased the risk of the loss which actually occurred in thecircumstances in which it occurred.

Change of policy cover
The cover provided by this policy is reviewed annually and We may change these on any anniversary of the Period of
Insurance with the Group Policyholder.
1

We will only amend the premium or terms and conditions of this policy at any other time in order to reflect a change to an
Insured Person’s circumstances, or in the event of a change in the law affecting this policy, e.g. an increase in Insurance
Premium Tax or other tax.

Who is Ortus Underwriting
Ortus Underwriting are regulated by the Financial Conduct Authority (FCA). You can check Our FCA registration by visiting
the FCA website at www.fca.org.uk/register or by calling the FCA on 0800 111 6768.

2

Important Information
Choice of Law
In the absence of any agreement in writing to the contrary this policy will be governed by and construed in accordance withthe laws in England. Any dispute relating to this policy will be subject to the jurisdiction of the courts of England.

Use of Language
Unless otherwise agreed, the contractual terms and conditions and other information relating to this contract will be in
English.

Data Protection Notice
We are the data controller (as defined by the Data Protection Act 2018 and all applicable laws which replace or amend it,
including the General Data Protection Regulation) who may collect and process Your personal information.
For full details of what data We collect about You, how We use it, who We share it with, how long We keep it and Your rights
relating to Your personal data, please refer to Our Privacy Notice which will be available on Our website
www.canopius.com/privacy
If You do not have access to the Internet, please write to the Group Data Protection Officer (address below) with Your address
and a copy will be sent to You in the post.
In summary:
We may, as part of Our agreement with You under this contract, collect personal information about You, including: Name, address, contact details, date of birth and cover required Financial information such as bank details
 Details of any claim
We will also collect personal information about any additional people who You wish to be insured under the policy.
We may also collect sensitive personal information about You, and any additional people who You wish to be insured under thepolicy, where the provision of this type of information is in the substantial public interest, including: Medical records to validate a claim should You be claiming for sickness or an accident.
We collect and process Your personal information for the purpose of insurance and claims administration.
All phone calls may be monitored and recorded and the recordings used for fraud prevention and detection, training and quality
control purposes.
Your personal information may be shared with third parties which supply services to Us or which process information on Our
behalf (for example, premium collection and claims validation, or for communication purposes related to Your cover). We will
ensure that they keep Your information secure and do not use it for purposes other than those that We have specified in Our
Privacy Notice.
Some third parties that process Your data on Our behalf may do so outside of the European Economic Area (“EEA”). Thistransfer and processing is protected by EU Model Contracts which aim to provide the equivalent level of data protection to thatfound in the EU.
We will keep Your personal information only for as long as We believe is necessary to fulfil the purposes for which the personal
information was collected (including for the purpose of meeting any legal obligations).
We will share Your information if We are required to by law. We may share Your information with enforcement authorities if they
ask Us to, or with a third party in the context of actual or threatened legal proceedings, provided We can do so without breachingdata protection laws.
If You have any concerns about how Your personal data is being collected and processed, or wish to exercise any of Your rights
detailed in Our Privacy Notice, please contact
Group Data Protection Officer
Canopius Managing Agents Limited
Floor 29, 22 Bishopsgate, London, United Kingdom, EC2N 4BQ, UK
privacy@canopius.com
T + 44 20 7337 3700

3

Complaints Procedure
We aim to provide excellent service to all Our customers although We recognise that occasionally things go wrong.
If this happens We want to hear about it so We can try to put things right. When You are making a complaint please makesure You are able to quote Your Policy details including Your Policy number, Your name and address.

Making a Complaint
If You wish to make a complaint in relation to Your Policy, Our contact details are:Head of Compliance, Canopius Managing Agents Limited, Floor 29, 22 Bishopsgate, London, United Kingdom, EC2N 4BQ
Telephone: +44 (0)20 7337 3700
Email: A&Hcomplaints@canopius.com and Complaints@canopius.com
If We have responded to Your complaint and You are still not satisfied, You may ask the Complaints Department at
Lloyd’s to review Your complaint (this would not affect Your rights to take legal action if necessary). Lloyd’s contact details
are:
The Complaints Team, Fidentia House, Walter Burke Way, Chatham Maritime, Chatham, Kent, ME4 4RN
Telephone: +44 (0)207 327 5693 Fax: +44 (0)207 327 5225
Email: complaints@lloyds.com
Lloyd’s Website: www.lloyds.com/complaints

If You Remain Dissatisfied
If You are dissatisfied with Lloyd’s Final Response, You may (if eligible) be able refer Your complaint to the Financial
Ombudsman Service. You must do this within six months of receiving Lloyd’s Final Response. The Financial Ombudsman
Service’s contact details are:Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR
Telephone: 0800 023 4567 (calls are free from landlines and mobile phones) / 0300 123 9123 (calls to this number cost no
more than calls to 01 and 02 numbers) / +44 (0)207 964 0500 (for calls outside the UK)
Email: complaint.info@financial-ombudsman.org.uk

Financial Services Compensation Scheme (FSCS)
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from thescheme if We cannot meet Our obligations. This depends on the type of business and circumstances of the claim. Most
insurance contracts are covered for 90% of the claim with no upper limit.
Further information is available from the FSCS or You can visit their website at www.fscs.org.uk
Contact Details:
Freephone: 0800 678 1100 or 020 7741 410 (Lines are open Monday to Friday 08.30 to 17.30 excluding public holidays).
Address: Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A
7QU.

4Contact details for claims and help
Services

Insured Person(s) can access additional services to help them at a time ofneed. For Our joint protection telephone calls may be recorded and/or
monitored.

Claims Service

Ortus Travel Claims

Telephone:
Email:+44 (0)800 193 3326
ah-claims@ortusunderwriting.com

Our claims line operates 9 am to 5 pm, Monday to Friday.
Please have your policy number to hand when calling.

Medical Assistance

Ortus Assistance, 24 Hour Emergency Service.
Please quote the reference Ortus.

Telephone:+44 (0)800 193 0092

Ortus Assistance will advise on and where appropriate arrange all medical
treatment, travel and accommodation covered under Medical and Emergency
Travel Expenses.
In the event of a medical emergency Ortus Assistance has experienced multilingual staff who will
 Take charge of enquiries 24 hours a day 365 days a year and where
necessary contact hospitals and guarantee any necessary fees Talk to doctors and hospital staff in their own language
 Ensure medical advisers are consulted at the outset for their views on thepossibility of arranging Repatriation and the best method of transportation to
be adopted.
Provided medical treatment, travel or accommodation has been arranged by the
specialist emergency assistance provider We will pay all associated costs
incurred on behalf of the Insured Person for the following
 Making arrangements for the Insured Person to travel home and where
necessary ensure they are escorted by a medical attendant Ensuring assistance is provided upon the Insured Person(s) arrival in the
United Kingdom or other Country of Residence following a Repatriation
 Making arrangements for the outward and return journeys for the next of kin orother nominated person to visit a sick or injured Insured Person
 Assisting in locating and sending drugs if not available locally Providing advice on minor ailments.

5Other Emergency Services Provided Whilst Travelling
Assistance andGuidance whilst
travelling

Advice Before You
TravelAssistance with accommodation or travel rearrangements
A phone home service if there is an emergency.
A translation and interpretation service if needed.
On stolen or lost passports, driving licenses air tickets or other travel
documents.
 On how to trace luggage with an airline operator if it is delayed or lost.
 On contacting local Embassies or Consulates.
 Information on languages and time zones.
 On transfer of Money if required.
 On cancellation of credit cards if lost or stolen with the ability to report loss
to the card provider.
Note: There may be charges for some services not funded by this insurance
and the Insured Person will have to pay these together with travel costs
resulting from the advice that is given.

Telephone:+44 (0)800 193 0092

Ortus Assistance can be contacted and will provide advice and informationon: Visa and entry permits that may need required Necessary vaccination and inoculation requirements and where they can bearranged What should be taken along on an Insured Journey in relation to first aid
and health Currencies, travellers cheque and current exchange rates
 Languages, time zones and details of countries that will be visited.

6Policy Definitions
Each time We use one of the words or phrases listed below, it will have the same meaning wherever it appears in the policy,
Schedule or endorsement. A defined word or phrase will appear bold each time it appears in the policy.

Accident/Accidental
Shall mean a sudden violent external unforeseen and identifiable event if an Insured Person suffers Bodily Injury as a resultof unavoidable exposure to the elements this will be considered as having been caused by an Accident.

Academic Course
Shall mean any educational course run by the Group Policyholder.

Accidental Bodily Injury
Injury caused by Accidental and/or violent means occurring within 12 months from the date of such Accident.

Ortus AssistanceThe coordinator on Our behalf of a range of services in connection with medical, security and other travel assistance supported
by a 24-hour helpline supplied by third parties who are contracted by Us.

Appointed Representative
The lawyer or other suitably qualified person:(1) appointed by Us to act on the Insured Person(s) behalf(2) nominated by the Insured Person.

Business
Activities directly connected with the business described in the Schedule.

Costs and Expenses(1) All reasonable and necessary legal costs charged by the Appointed Representative and agreed by Us.
(2) Legal costs which an Insured Person has been ordered to pay by a court or other body which We have agreed to or
authorised.

Country of Residence
The country which is the Insured Person’s regular place of abode prior to the commencement of the Journey,Or
any country for which the Insured Person holds a valid passport.

COVID-19(1) Coronavirus disease (COVID-19)(2) Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2)(3) any mutation or variation of SARS-CoV-2(4) any fear or threat of 1), 2) or 3) above.

EuropeAlbania, Andorra, Austria, Belarus, Belgium, Bosnia- Herzegovina, Bulgaria, Canary Islands, Channel Islands, Croatia, Czech
Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Isle of Man, Italy Latvia,
Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Mediterranean Islands (including Majorca, Menorca, Ibiza; Corsica;
Sardinia; Sicily; Malta, Gozo; Crete, Rhodes and other Greek Islands; Northern and Southern Cyprus), Moldova, Monaco,Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russian Federation (West of Urals), San Marino,
Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine, United Kingdom, Vatican City.

Excess
The amount of each and every claim that the Insured Person must pay as shown in the Schedule for the appropriate
section of the policy except for a claim for Medical Expenses in European Union countries where this will be waived wherea reduction in cost is obtained using a European Health Insurance Card.

HijackUnlawful seizure or unlawful control of an aircraft or other conveyance in which the Insured Person is travelling as apassenger.

7

Hospital
Any establishment which is registered or licensed as a full time facility for surgical and medical diagnosis and treatment of
injured and sick persons by and under the supervision of a Qualified Medical Practitioner continuously providing a 24 hours a
day nursing service supervised by State Registered Nurses or nurses with equivalent qualifications and is not primarily a mental
institution or a place of rest for the aged, for drug addicts or alcoholics.

Illness
Any disease medical complaint or medical condition which is not Accidental Bodily Injury.

Incidental Holiday
Trips, other than those organised by the educational establishment: up to a maximum of 14 days in duration(1) Outside the Insured Person’s Country of Residence and within Europe(2) Involving pre-booked travel or accommodation;(3) Devoted entirely to pleasure, rest and relaxation; and(4) Taking place directly before or directly after the Academic Course(5) During the period time over which the Academic Course is provided(6) or during vacations recognised by the educational establishment

Insured Journey
Any trip booked or undertaken by an Insured Person for the purpose of attending an Academic Course with the Group
Policyholder in the United Kingdom involving travel outside the Insured Person’s Country of Residence including
Incidental Holiday travel within Europe up to a maximum of 14 days per trip.

Insured Person(s)Any person or category of persons shown as being insured in the Schedule

Journey
Any trip described in the Schedule

Legal Proceedings
Legal action for the pursuit of a claim for damages.

Loss of Hearing
Total and permanent loss of hearing in one or both ears to the extent that the hearing loss is greater than 95 decibels across all
frequencies using a pure tone audiogram.

Loss of Limb(s)Shall mean in respect of(1) an arm – physical severance of all four fingers at or above the metacarpal phalangeal joints (where the fingers join thepalm of the hand) and/or(2) a leg – physical severance at or above the level of the ankle (talo-tibial joint)and shall also mean permanent total loss of use of an entire hand or arm at or above the metacarpal phalangeal joints (where
the fingers join the palm of the hand), or leg at or above the level of the ankle (talo-tibial joint).

Loss of Sight
Loss of Sight shall mean total and permanent loss of sight, which shall be deemed to have occurred:(1) in both eyes when the Insured Person(s) name has been added to the register of Blind Persons on the authority of a fully
qualified ophthalmic specialist.
(2) in one eye when the degree of sight remaining after correction is 3/60 or less on the Snellen Scale (which means the
Insured Person is only able to see at 3 feet that which they should normally be able to see at 60 feet) and We aresatisfied that the condition is permanent and without expectation of recovery.

Loss of Speech
Total and permanent loss of speech.

Money
Coins, bank or currency notes, cheques, postal orders, travellers cheques, travel tickets, luncheon vouchers, petrol or othercoupons with a monetary value and credit vouchers which belong to or are under the custody and control of the Insured
Person.

8

Partner
The Insured Person’s:(a) spouse or(b) civil partner registered pursuant to the Civil Partnership Act or(c) someone of either sex with whom the Insured Person has been living as though they were their spouse for at least 3
months.

Operative Time
The period of time that cover is in force during the Period of Insurance, as shown in the policy schedule and relevant toeach section of cover.

Period of Insurance
The period beginning with the effective date and ending with the expiry date as shown in the policy schedule and any otherperiod for which We have accepted Your premium.

Permanent Total Disablement
Any permanent disablement other than
(a)
(b)
(c)
(d)

Loss of Hearing
Loss of Limb
Loss of Sight
Loss of Speechwhich lasts without interruption for more than 12 months from the date of Accident and in all probability shall continue for theremainder of the Insured Person(s) life that will prevent the Insured Person from engaging in or giving attention to Businessprofession or occupation of any and every kind.

Personal Belongings
Items other than valuables which are the property of the Insured Person or property for which they are personally responsible
and which are taken on or acquired during an Insured Journey.

Prospects of SuccessIn respect of all claims it is always more likely than not that an Insured Person will
(1) recover damages or obtain any other legal remedy which We have agreed to(2) make a successful appeal or defence of an appeal.
Prospects of Success will be assessed by Us or an Appointed Representative on Our behalf. Consent will be given if legal opinion
considers the prospect of success is more than 50% and that the amount of damages/ compensation will be more than the costs of
pursuing a claim.

Public ConveyanceAn air, land or water vehicle operated under licence for the transportation of fare-paying passengers.

Qualified Medical Practitioner
A doctor or specialist who is registered or licensed to practise medicine under the laws of the country they practise in other thanan Insured Person, Insured Person(s) Partner, a member of the immediate family of the Group Policyholder or Insured
Person or an employee of the Group Policyholder.

Repatriation
With prior approval from Our specialist emergency assistance provider and due solely to medical reasons, the return of the
Insured Person to the United Kingdom
Or
The Insured Person(s) Country of Residence by normal scheduled airlines or by an air ambulance or other suitable means oftransport.

Schedule
The document which specifies details of the Group Policyholder, Insured Persons, Operative Time and any Excess,Endorsements and Conditions applying to the policy.

StrikeAny form of industrial action taken by workers which is carried on with the intention of preventing, restricting, or otherwiseinterfering with the production of goods or the provision of services.

9United Kingdom
For the purposes of this policy means England, Scotland, Wales and Northern Ireland.

Valuables
Cameras and other photographic equipment, telescopes and binoculars, audio/video equipment (including radios,cassette/compact disc players, iPods, mp3 and mp4 players, camcorders, DVD, video, televisions, and other similar audio andvideo equipment), mobile phones, satellite navigation equipment, computers and computer equipment (including PDA’s, personalorganisers, laptops, notebooks, netbooks, tablets and the like), computer games equipment (including consoles, games andperipherals) jewellery, watches, furs, precious and semi-precious stones and articles made of or containing gold, silver or otherprecious metals.

WarWar, invasion, act of a foreign enemy, hostilities or a warlike operation or operations (whether war be declared or not), civil war,
rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped
power.

We/Us/Our
Canopius Managing Agents Limited whose registered office is Floor 29, 22 Bishopsgate, London, United Kingdom, EC2N 4BQ,
is authorised by the Prudential Regulation Authority and regulated by Financial Conduct Authority and the Prudential
Regulation Authority. Firms Reference Number 204847.

Winter Sports
Any outdoor winter pursuits or sports including, the following:












Skiing (including skiing outside the area of the normal compacted snow or ski slope i.e. off-piste)
Tobogganing
Snow boarding
Ice skating
Ski or ski bob racing
Mono skiing
Ski jumping
Ski boarding
Ice hockey
Use of bobsleighs or skeletons.

You/Your/Group Policyholder
The persons, companies, partnerships or unincorporated associations, named in the Schedule as the Group Policyholder.

10Section 1

Cancellation, Curtailment or Change of Itinerary

Cover
If during the Period of Insurance as a direct and necessary result of any cause outside of the control of the Insured Person:

A Cancellation
Any Insured Person is forced to cancel an Insured Journey
We will reimburse the Insured Person for all non returnable or irrecoverable deposits advance payments and othercharges paid or due to be paid by the Insured Person for travel and accommodation in respect of the Insured Journey up
to the Cancellation sum insured, less the Excess, shown in the Schedule

B Curtailment
Any Insured Person is forced to curtail an Insured Journey and return to the United Kingdom or their normal Country of
Residence
We will reimburse the Insured Person up to the Curtailment sum insured, less the Excess, shown in the Schedule for allnon returnable or irrecoverable deposits advance payments and other charges paid or due to be paid by the Insured Person
for travel and accommodation in respect of the Insured Journey
andthe reasonable additional cost of travel and accommodation necessarily incurred to return the Insured Person to the United
Kingdom or their normal Country of Residenceor

C Change of Itinerary
Following departure, any Insured Person is forced to alter pre-booked travel arrangements in connection with an Insured
Journey
We will reimburse You or the Insured Person for the reasonable additional costs of travel and accommodation necessarily
incurred to enable the Insured Person to continue that Insured Journey up to the Change of Itinerary sum insured, less theExcess, shown in the Schedule11Extensions(i) Travel Delay and Abandonment
If during a Period of Insurance an Insured Person is delayed for at least 12 hours from the scheduled departure time (as shownon the travel ticket) of the outbound Journey from the Country of Residence or the return Journey to the Country of Residence
because the scheduled departure of a Public Conveyance is delayed due to a Strike or industrial action, adverse weather
conditions, traffic flow congestion, mechanical breakdown or structural defect We will pay the benefit amount ofTravel Delay
1. £20 for the first 12-hour delay and then £20 for each full 12-hour of delay thereafter up to £1,000 or the cost of the Journey,
whichever is lesserorAbandonment
2. Up to £7,500 less the Excess if the Insured Person abandons his/her Journey after a delay of at least 12 hours of thescheduled departure time from the Country of Residence.

(ii) Missed Departure Additional Travel & Accommodation
If during a Period of Insurance as a result of the failure of a Public Conveyance due directly to a Strike or industrial action,
adverse weather conditions, traffic flow congestion, default or financial failure or mechanical breakdown an Insured Person misses
the international departure of such Public Conveyance on which the Insured Person is booked to travel from the Country of
Residence at the commencement of the Insured Journeyorthe initial point of departure at the end of the Journey,
We will indemnify the Insured Person in respect of reasonable additional travel and accommodation expenses incurred to reachthe scheduled destination up to £1,000 for any one Journey, provided that:(1) such travel is of a standard no greater than the class of transport on the outbound Journey and(2) the standard of accommodation is up to but not superior to that in which the Insured Person was or would have been
staying during the course of the Journey.

12Section 2 Course Fees
Cover
If during the Period of Insurance as a direct and necessary result of:a) the death, serious injury, sudden Illness or complications of pregnancy (as diagnosed by a Qualified Medical Practitioner
who specialises in obstetrics) of the Insured Person, or the Insured Person’s Partner, mother, father, daughter, son,sister or brother.
b) the Insured Person being subject to, jury service, subpoena or Hijack of the conveyance on which the Insured Person istravellingc) cancellation or curtailment of scheduled public transport services consequent upon Strike, riot or civil commotiond) the Insured Person’s residence or business premises being rendered uninhabitable within 7 days of commencement of
the planned Journey ore) the Insured Person’s presence being required by the Police following burglary or attempted burglary at the Insured
Person’s residence or business premises,f) a Natural Disasterthe Insured Person is forced to cancel any part of an Academic Course prior to the commencement of that Journey; or curtail oralter the itinerary of any part of an Academic Course during the course of that Journey; We will indemnify the Insured Person
up to the sum insured, less the Excess, shown in the Schedule for any irrecoverable pre-paid college, university or language
school course fee which the Insured Person has to pay or is contracted to pay.

Conditions applicable to Course Fees Section(1) The Insured Person must obtain a medical certificate from a Qualified Medical Practitioner and prior approval of Our
specialist emergency service provider to confirm the necessity to return home prior to Curtailment of the Journey.
(2) If the Insured Peron fails to notify the travel agent, tour operator or provider of transport / accommodation immediately it isfound necessary to cancel the Journey Our liability shall be restricted to the cancellation charges that would have applied
had failure not occurred.
(3) If the Insured Person cancels the Journey due to Incidental Illness or Accidental Bodily Injury the Insured Person must
provide a medical certificate from a Qualified Medical Practitioner stating that this necessarily and reasonably prevented
the Insured Person from travelling.
(4) The Insured Person must provide invoice and receipts for unused course fees, charges or expenses claimed for.
(5) The Insured Person must provide written confirmation from the college, university or language school that rearrangement of
the course or any part of it has been considered and is not suitable for any future date.

13

Section 3

Medical Expenses

Cover
In the event of the Insured Person sustaining Accidental Bodily Injury or contracting an Illness during the course of an Insured
Journey during the Period of Insurance We will pay up to the sums insured, less the Excess, shown in the Schedule for thecover items noted below:

A Medical Expenses
For reasonable and necessary emergency medical, surgical, Hospital or nursing home charges or fees, including the cost of
rescue services and levied by the National Health Service within the United Kingdom or outside the Insured Persons Countryof Residence and outside the United Kingdom.
Including1) Cost of rescue services2) Emergency optical expenses
3) Complications of pregnancy as diagnosed by a Qualified Medical Practitioner who specialises in obstetrics provided that if
travelling between 28 - 35 (inclusive) weeks the Insured Person provides a medical certificate - which must be dated noearlier than 5 days before the outbound travel date - issued by a doctor or midwife confirming the number of weeks ofpregnancy and that they are fit to travel.

A1 Emergency Dental Pain Relief Treatment
Emergency dental treatment incurred by an Insured Person during an Insured Journey for the relief of pain and discomfort
only.

A2 Emergency Mental Health Treatment
Emergency medical treatment incurred by an Insured Person during an Insured Journey which is required to alleviate thesudden and naturally occurring symptoms associated with an episode of severe emotional or physical distress and whicharises as a result of anxiety stress, depression or any phobia or mental or nervous disorder.

B Emergency Repatriation Expenses
Upon the advice of Our specialist emergency service provider for the Repatriation of the Insured Person to their Country of
Residence including reasonable and necessary costs incurred in repatriating the Insured Person to the most suitable Hospitalor to the Insured Person's home address in their Country of Residence provided that such Repatriation is medicallynecessary and organised by Our specialist emergency service provider.

C Supplementary Travel and Accommodation Expenses
1) For reasonable and necessary costs for the travel and accommodation expenses of the Insured Person incurred in returning
to their Country of Residence.
2) For travel and accommodation of up to two relatives or friends of the Insured Person who on medical advice from a Qualified
Medical Practitioner are advised to travel to or remain with the Insured Person. For the purposes of this extension
Accommodation shall mean accommodation of a standard up to but not exceeding that in which the Insured Person was orwould have been staying during the course of the Journey.
3) For funeral expenses incurred in the burial or cremation of the Insured Person outside the Country of Residence.
4) In transporting the Insured Person’s body or ashes for burial in the Country of Residence (excluding funeral and interment
costs in the Country of Residence)
5) In transporting the Insured Person’s Personal Belongings (as defined in the Personal Belongings Section) back to theCountry of Residence.

Conditions applicable to Medical and Emergency Repatriation Expenses Section(1) The Insured Person must contact Ortus Assistance if the Insured Person requires in-patient Hospital treatment orEmergency Repatriation otherwise We may not be able to reimburse the costs incurred.
(2) If We incur costs as a result of advice or assistance being provided or the settlement of any expenses being made in goodfaith by the specialist emergency assistance provider to any person who is not insured under this policy, You shall reimburse
Us in respect of such costs and expenses.
14Section 4 Personal Belongings
Cover
In the event of the Insured Person suffering loss of or damage to Personal Belongings during an Insured Journey during the
Period of Insurance We will indemnify the Insured Person in respect of such loss or damage up to the sum insured, less theExcess, shown in the Schedule
Provided that the maximum amount payable in respect of any one unspecified item will be £250.

Conditions applicable to Personal Belongings Section(1) The Insured Person shall take all reasonable care in avoiding any loss or damage to their Personal Belongings.
(2) We shall be entitled in the event of a loss and at Our sole option to replace any article lost (whether wholly or in part) or toreimburse the Insured Person not exceeding in any event the insured value thereof.
(3) Any amount paid for Temporary Loss will be deducted from any subsequent payment for total loss or subsequent damage
where the Temporary Loss becomes Permanent.
(4) The Insured Person must retain any damaged articles for Our inspection. We shall be entitled to take up and keep
possession of any damaged property and to deal with as salvage following such damage.

Extension
A. Delayed Baggage
If during a Period of Insurance all or part of an Insured Person’s Personal Belongings are lost or temporarily mislaid formore than 12 hours during any stage (other than the final return stage to the Country of Residence) of a Insured Journey
We will reimburse the Insured Person up to the sum insured shown in the Schedule which has been paid for the purchase of
essential items of replacement clothing or toilet requisites.
Any amounts paid under this Extension will be deducted from any subsequent amounts payable under Personal Belongings
in respect of the same loss.

Additional Optional extension
B. Valuables(only included if shown as “Insured” on Schedule of Benefits)
If during a Period of Insurance an Insured Person sustains loss of or damage to Valuables during an Insured Journey, We will
pay the Insured Person, in respect of such loss or damage up to the sum insured, less the Excess, shown in the Schedule intotal for any one Insured Journey.

15Section 5

Money

Cover
In the event of the Insured Person suffering the loss or theft of Money during the course of an Insured Journey during the
Period of Insuranceoroccurring during the 120 hours immediately prior to such Journey or the 120 hours immediately following such Journey if obtained
for the purposes of undertaking the Insured Journey and in the custody and control of the Insured Person.
We will indemnify the Insured Person in respect of such loss up to the sum insured, less the Excess, shown in the Schedule.
Provided that the maximum amount payable in respect of coins, bank or currency notes will be £100.

Extensions
A. Fraudulent Use of Credit Cards
If the Insured Person sustains financial loss as a direct result of a credit charge debit or bankers card being lost or stolen during
an Insured Journey and it being fraudulently used by someone other than the Insured Person, We will indemnify the Insured
Person for such loss up to sum insured, less the Excess, shown in the Schedule for any one Insured Journey provided that theInsured Person has fully complied with all terms and conditions under which such card has been issued.

B. Emergency Replacement of Passport and other Documents
If the Insured Person sustains loss of or damage resulting in any travel documents, passport and / or visa driving licence required
for an Insured Journey becoming void during the course of the Insured Journey, We will indemnify the Insured Person in
respect of any fees charged including those charged by the including those charged by the appropriate consular visa and/or
passport office and for any additional travel or accommodation expenses in obtaining any official or temporary travel documents or
replacement visa and/or passport up to sum insured, less the Excess, shown in the Schedule for any Insured Journey.

16Section 6

Personal Liability

Cover
We will indemnify the Insured Person up to the Limit of Indemnity shown in the Schedule for sums which the Insured Person
shall become legally liable to pay as damages and the Insured Person(s) proper costs and expenses in respect of Accidental
death or Accidental Bodily Injury to any other person or accidental loss of or damage to material property of any other person.
All costs and expenses incurred with Our written consent in respect of any claims against the Insured Person shall be payable inaddition notwithstanding that Our total liability does not exceed the Limit of Indemnity shown in the Schedule.

Conditions applicable to Personal Liability Section(1) The Insured Person shall give immediate notice to Us of any occurrence for which there may be liability under this policy andshall provide Us with such particulars and information as We may require and shall forward to Us immediately on receipt
every letter, writ, summons and process and shall advise Us in writing immediately the Insured Person has knowledge of
any impending prosecution inquest or fatal inquiry in connection with the said occurrence.
(2) The Group Policyholder and any Insured Person must not admit any liability or pay, offer to pay or negotiate any claim
without Our prior written consent.
(3) We shall be entitled at Our discretion to take over and conduct in the name of the Insured Person the defence or settlementof any claim and to prosecute at Our own expense and for Our own benefit any claim for indemnity or damages against anyother person(s) and the Insured Person shall give all information and assistance required.
(4) We may at any time at Our sole discretion pay to the Insured Person a sum equal to the Limit of Indemnity for Personal
Liability stated in the Schedule in respect of any occurrence or any lesser sum(s) for which the claim or claims arising fromsuch occurrence can be settled and We shall not be under any further liability in respect of that occurrence except for thepayment of costs and expenses of litigation incurred prior to such payment.
(5) In the event of a claim or series of claims resulting in the liability of the Insured Person to pay a sum in excess of the Limit ofIndemnity for Personal Liability stated in the Schedule Our liability for such costs and expenses shall not exceed an amountbeing in the same proportion as Our payments to the Insured Person bear to the total payment made by or on behalf of the
Insured Person in settlement of the claim or claims.
(6) Our liability under Personal Liability for all damages payable by the Insured Person to any claimant or number of claimants in
respect of any one occurrence or all occurrences of a series arising out of one original cause shall not exceed the Limit ofIndemnity shown in the Schedule.

17Section 7

Overseas Legal Expenses

Cover
We will negotiate on the Insured Person(s) behalf up to the sum insured shown in the Schedule for legal rights to bring Legal
Proceedings to pursue a civil claim resulting from an incident, for which the Insured Person is not at fault which causes the deathof or personal injury to an Insured Person during an Insured Journey, provided that(1) the insured incident occurs during the Period of Insurance(2) Prospects of Success exist for the duration of the claim(3) in respect of any appeal or defence of an appeal, it has been reported to Us at least 10 working days prior to the deadline forany appeal(4) the maximum amount We will pay for Costs and Expenses for any one Insured Person in respect of any or all claims arisingfrom one cause is £25,000(5) an Insured Person or their legal representative reports an insured incident as soon as possible and in any event no later than
180 days after the date the Insured Person knew or should have known about the insured incident and the Insured Person
adheres to the following
An Insured Person(s) Duty
An Insured Person must report the incident that is expected to give rise to a claim to Us as soon as possible and in any event nolater than 180 days after the date the Insured Person knew or should have known about the incident.
Legal Representation(a) On acceptance of a claim, if appropriate, We will appoint an Appointed Representative.
(b) If it is necessary to start court proceedings or there is a conflict of interest, the Insured Person is free to nominate an
Appointed Representative by sending to Us the name and address of the suitably qualified person.
(c) If We do not agree to the choice of Appointed Representative under (b) above, the Insured Person may choose anothersuitably qualified person.
(d) If there is still a disagreement with regard to the Appointed Representative, We will ask the president of a relevant nationallaw society to choose a suitably qualified person to represent the Insured Person. We and the Insured Person
must accept such choice.
(e) In all other circumstances We will be free to choose an Appointed Representative.
(f) An Appointed Representative will be appointed by Us and represent the Insured Person according to Our standard terms
of appointment (which may include a ‘no win no fee’ agreement). The Appointed Representative must co-operate with Us at
all times.
Our Rights and the Insured Person(s) Obligations(a) We will have direct access to the Appointed Representative who will, upon request, provide Us with any information or
opinion on the claim.
(b) The Insured Person must co-operate fully with Us and the Appointed Representative and must keep Us up-to-date with theprogress of the claim.
(c) At Our request the Insured Person must give the Appointed Representative any instructions that We require.
(d) The Insured Person must notify Us immediately if anyone offers to settle a claim or makes a payment into court.
(e) If the Insured Person does not accept the recommendation of the Appointed Representative to accept a reasonable offer orpayment into court to settle a claim, We may refuse to pay further Costs and Expenses.
(f) No agreement to settle on the basis of both parties paying their own costs is to be made without Our prior approval.
Discontinuance of a Claim
If the Insured Person(a) settles a claim or withdraws a claim without Our prior agreement(b) does not give suitable instructions to the Appointed Representative(c) dismisses an Appointed Representative without Our prior consent
the cover We provide will end immediately and We will be entitled to re-claim from the Insured Person any Costs and Expenses
We have incurred.
Recoveries
The Insured Person must take every available step to recover Costs and Expenses that We have to pay and you must pay
Us any Costs and Expenses that are recovered.
Disputes
If any difference arises between Us and the Insured Person in respect of the acceptance, refusal, control or handling of any claim
under this section, the Insured Person can take the steps outlined in Our complaints procedure stated under Our Promise ofService.

18

Arbitration
The Insured Person has the right to refer any difference that arises between Us and the Insured Person in respect of theacceptance, refusal, control or handling of any claim under this section to arbitration, which will be decided by counsel chosen
jointly by Us and the Insured Person. If there is a disagreement with regard to the choice of counsel, We will ask the president ofa relevant national law society to choose a suitably qualified person. The arbitrator’s decision shall be final and binding on bothparties. All costs for resolving the difference will be met by the party whom the decision is made against.

19

Section 8 - Personal Accident
Cover
We will pay the sum insured shown in the Schedule for Accidental Bodily Injury to an Insured Person occurring during the
Period of Insurance which within 24 months of the date of the Accident solely directly and independently of any other cause
results in any of the benefits listed below







Death
Loss of Limb(s)Loss of Sight
Loss of Hearing
Loss of Speech
Permanent Total Disablement

The amount payable to the Insured Person shall be the amount as stated in the Schedule for that category of Insured
Person.

Extensions
Permanent Partial Disablement
In the event of an Insured Person suffering permanent disablement as a direct result of Accidental Bodily Injury, We will pay apercentage of the benefit provided for Permanent Total Disablement depending on the degree of permanent disablement.
Benefits for specific disabilities are:Permanent severance or permanent and total loss of use ofIntellectual Capacity
The back or spine below the neck with no damage to the spinal Cord
The neck or cervical spine with no damage to the spinal Cord
A shoulder elbow or wrist
A hip knee or ankle
A thumb
A forefinger
Any finger other than a forefinger
A big toe
Any other toe

100%
40%
30%
25%
20%
30%
20%
10%
15%
5%

Any permanent disability which is not covered by Loss of Limbs Sight Hearing or Speech or any of the benefits above up to a
maximum 100% of the benefits above up to a maximum 100% of the Permanent Total Disablement benefit.
Any permanent disability under this item will be assessed by considering the severity of the disablement in conjunction with thestated percentages for specific types of permanent disablement stated above. The occupation of the Insured Person will not betaken into consideration during this assessment.
When more than one form of Permanent Partial Disablement results from Accidental Bodily Injury the percentages will be
added together but We will not pay more than 100% of the Permanent Total Disablement in total
If a claim is made for Loss of Limbs Sight Hearing or Speech then a claim for Permanent Partial Disablement cannot also be
madeDisappearance
If an Insured Person has been missing for a period of 180 consecutive days during an Insured Journey and there is sufficientevidence to support the conclusion that death has been caused by Accidental Bodily Injury, such Insured Person will be
presumed to have died.
However We will require the benefit to be repaid if the Insured Person is found to have been alive or is found alive.

20

Policy Conditions
All of the following Policy Conditions apply to each Section of the policy.

Premium Adjustment
It has been agreed that the Premium has been based on estimated numbers and is adjustable and the Group Policyholder shallwithin 30 days of the end of the Period of Insurance provide the actual numbers to Us and the premium will be adjusted
accordingly.

Benefit Limits
1. Payment of Benefit
We will not pay under more than one of the benefits listed below in connection with the same Accident for the same Insured
Person.
Loss of Limb, Loss of Sight, Loss of Speech or Loss of Hearing Permanent, Total Disablement, Permanent Partial
Disablement.
After payment has been made for
Loss of Limb, Loss of Sight, Loss of Speech or Loss of Hearing Permanent Total Disablement, Permanent Partial
Disablement
no further payments shall be made by Us in respect of that Insured Person during the current Period of Insurance.
2. Payment of Permanent Total Disablement
Benefit in respect of Permanent Total Disablement will be payable after the expiry of 52 consecutive weeks disablement and on
certification that disablement is permanent and without expectation of recovery by a medical examiner appointed by Us.
It is the duty of the Group Policyholder or Insured Person to inform Us if any claim payment does exceed these limits.
Payment will be proportionately reduced until these limits are not exceeded.
3. Maximum Benefit
The maximum amount shown in the Schedule payable for any Insured Person for all Accidental Bodily Injury arising from any
one Accident.
4. Minors
If the Insured Person is under the age of 16 at the date of the Accident giving rise to a claim the maximum amount payable for
Death will be £5,000.

Alteration of Insured Risk
1)If:(a) there has been any alteration to the Business and/or the occupation or pursuits of the Group Policyholder or any Insured
Persons after the effective date of this insurance which increases the risk of loss, liability, destruction, damage, Accident or
injuryor(b) Your interest ceases except by will or operation of law
We will at Our option avoid the policy from the date of such alteration or when Your interest ceases, unless We accept thealteration.
2)

An insured person has no right to alter this policy and the cover or benefits provided, only the right not to be included.

Assignment
The Insured Person may not assign the benefits under this policy. We shall not be bound to accept or be affected by any noticeof any trust charge lien purported assignment or other dealing with or relating to this policy.
Cancellation
We reserve the right to retain the Premium where claims have occurred in the Period of Insurance when cancellation takes
place.
(a) The Group Policyholder and Insured Persons may not cancel this policy at any time.
(b) An Insured Person may withdraw from the cover provided by this policy at any time by giving notice to the Group
Policyholder. No refund of Premium will be payable.
(c) We may cancel this policy at any time by sending not less than 30 days’ notice in writing to the Group Policyholders last
known address.
If the policy is cancelled under (b) above, We will refund part of the premium for the unexpired period, which will be calculated21

on Our, then current, short period rating basis, and provided that there have been no(i) claim(s) made under the policy for which We have made a payment(ii) claim(s) made under the policy which are still under consideration(iii) incident(s) which You are aware of and which are likely to give rise to a claim which has yet to be reported to Us during
the current Period of Insurance.
(d) We will cancel this policy from the inception date if the premium has not been paid. Such cancellation will be confirmed inwriting by Us.
(e) All cover for Insured Persons will stop 30 days after the date of cancellation and any unused proportion of the premium
already paid to us in advance will be returned to the Group Policyholder.
(f) The Group Policyholder is responsible for promptly notifying Insured Persons that the policy has been cancelled and for
returning any unused premium due.

Claims Procedure
If in relation to any claim You or the Insured Person have failed to fulfil any of the following conditions, You or the Insured
Person will lose the right to indemnity or payment for that claim. The claim may be rejected if it is made so long after the event that
We are unable to investigate the claim fully.
You or the Insured Person must(a) tell Us as soon as practicable of any event or occurrence which may result in a claim and in any event no later than 60days after the occurrence of such event(b) as soon as practicable and at Your or the Insured Person(s) expense, provide Us with a written claim containing as muchinformation as possible of the loss, destruction, damage, Accident or injury, including the amount of the claim(c) provide Us at Your or the Insured Person(s) own expense with all certificates information and evidence reasonably
required by Us and in the form and of such nature as We may prescribe(d) immediately pass to Us unanswered, all communications from third parties in relation to any event which may resultin a claim under this policy(e) not admit or repudiate liability, nor offer to settle, compromise, make payment which may result in a claim or pay any
claim under this policy without Our written agreement and the Insured Person shall(i) submit to medical examination at Our request in respect of any alleged Accidental Bodily Injury where We shall
pay the fee(ii) as soon as possible after the occurrence of any Accidental Bodily Injury obtain and follow the advice of a
Qualified Medical Practitioner.
We shall not be liable for any consequences arising due to the Insured Person(s) failure to obtain and follow such advice
and use such appliance or remedies as may be prescribed.

Contribution
If at the time of an event giving rise to a claim there is any other insurance policy in force in Your or the Insured Person(s) namewhich covers You or the Insured Person for the same expense loss or liability We will only pay a proportion of the claim being
determined by reference to the cover provided by each of the relevant policies with the exception of Personal Accident benefits
which will be payable in full.
If there is another insurance policy in Your name which covers You or an Insured Person for the same expense or loss provided
by Us, We will pay only once under the most applicable policy for the loss or expense.

Fraud
If a claim made by You or anyone acting on Your behalf is fraudulent or fraudulently exaggerated or supported by a false
statement or fraudulent means or fraudulent evidence is provided to support the claim, We may:
(1) refuse to pay the claim,(2) recover from You any sums paid by Us to You in respect of the claim,(3) by notice to You cancel the policy with effect from the date of the fraudulent act without any return of premium.
If We cancel the policy under (3) above, then We may refuse to provide cover after the time of the fraudulent act. This will notaffect any liability We may have in respect of the provision of cover before the time of the fraudulent act.
If this policy provides cover to any person other than You and a claim made by such person or anyone acting on their behalf is
fraudulent or fraudulently exaggerated or supported by a false statement or fraudulent means or fraudulent evidence is provided
to support the claim, We may:
(1) refuse to pay the claim,(2) recover any sums paid by Us in respect of the claim (from You or such person, depending on who received the sums or who
benefited from the cover provided),(3) by notice to You and such person cancel the cover provided for such person with effect from the date of the fraudulent act
without any return of premium in respect of such cover.

22

If We cancel a person’s cover under (3) above, then We may refuse to provide cover after the time of the fraudulent act. This will
not affect any liability We may have under such cover occurring before the time of the fraudulent act.

Hijack
If an Insured Person is the victim of a Hijack cover provided by this policy shall continue for a period not exceeding twelve
months from the date of Hijack to enable the Insured Person to complete the original Journey or to return to their Country of
Residence.

Identification
The policy and the Schedule will be read as one contract. A particular word or phrase which is not defined in Bold will have its
ordinary meaning.

Interest
We will not pay interest on any claim payable.

Non Disclosure, Misrepresentation or Misdescription
In deciding to accept this policy and in setting the terms and premium, We have relied on the information given to Us. You musttake care when answering any questions We ask by ensuring that all information provided is accurate and complete. If You
become aware that information You have given us is inaccurate, you must inform your insurance intermediary/broker as soon aspracticable.
Non Disclosure, Misrepresentation or Misdescription before this policy was entered intoIf you have breached Your duty to make a fair presentation of the risk to Us before this policy was entered into, then:
Where the breach was deliberate or reckless We may avoid this policy and refuse all claims, and keep all premiums
paid
Where the breach was neither deliberate or reckless, and but for the breach
We would not have agreed to provide cover under this policy on any terms, We may avoid this policy and refuse all
claims, but will return any premiums paid
We would have agreed to provide cover under this policy but on different terms (other than premium terms), We may
require that this policy includes such different terms with effect from its commencement, and/or
We would have agreed to provide cover under this policy but would have charged a higher premium, Our liability for
any loss amount payable shall be limited to the proportion that the premium We charged bears to the higher premium
We would have charged, as outlined in Schedule 1 to the Insurance Act 2015.
We may also cancel the policy as described in the cancellation section of this poicy
Non Disclosure, Misrepresentation or Misdescription before a variation was agreed
If you have breached Your duty to make a fair presentation of the risk to Us before any variation to this policy was agreed,then: Where the breach was deliberate or reckless, We may cancel this policy with effect from the date of the variation, andkeep all premiums paid; Where the breach was neither deliberate nor reckless, and but for the breach:- We would not have agreed to the variation on any terms, We may treat this policy as though the variation was nevermade, but will return any additional premiums paid
- We would have agreed to the variation but on different terms (other than premium terms) We may require that thevariation includes such different terms with effect from the date it was made, and/or- We would have agreed to the variation but would have increased the premium, or would have increased it by morethan We did or would not have reduced it or would have reduced it by less than We did, Our liability for any loss
amount payable shall be limited on a proportionate basis as outlined in Schedule 1 of the Insurance Act 2015. Thiscondition operates in addition to any provisions relating to underinsurance in this policy.
We may also cancel the policy as described in the cancellation section of this policy.

Payment of a claim to the Group Policyholder
If We agree to pay the Group Policyholder a valid claim for cover under this policy that has been arranged or purchased for the
direct benefit of an Insured Person (other than if an assignment has been agreed), the Group Policyholder agrees to promptly
forward any payments received under this policy to that Insured Person to the extent that the Insured Person has suffered Bodily
Injury, loss, damage or expense recoverable under this policy or is otherwise entitled to a policy payment either contractually or
implied.
The receipt of such payment by the Group Policyholder will discharge Our liability to pay any amount directly to the Insured
Person and our liability under the policy. The Insured Person (or their legal representative) has no right to claim or sue Us.

Policy Age Limit
Unless otherwise agreed by Us and specifically noted in this policy no person over the age of 75 will be covered by this policy.

23

Policy Alteration
We reserve the right to make changes, add to the policy terms and/or change the premium for this insurance for legal, regulatory
or taxation reasons.

Reasonable Precautions
You and Insured Person’s must take all reasonable precautions to preventa) loss, destruction or damage to the property insuredb) Accident or injury to any person or loss or destruction of, or damage to, their property and must comply with all legal
requirements and safety regulations and conduct the Business in a lawful manner.

Sanctions
We will not provide any cover or be liable to pay any claim or provide any benefit under this Policy to the extent that this would
expose Us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or
regulations of the European Union, United Kingdom or United States of America.

Subjectivity
At the inception of or during each Period of Insurance, the insurance provided by this policy may be subject to You(a) providing Us with any additional information.
(b) completing any actions agreed between You and Us.
(c) allowing Us to complete any actions agreed between
You and Us.
If this is the case, then the Schedule will clearly state the information required and the dates We require such information by.
Upon completion of these requirements (or if they are not completed by the required dates) We may, at Our option(i)modify Your premium.
(ii)
amend the terms and conditions of this policy.
(iii)
exercise Our right to cancel the policy under the Policy Condition for Cancellation.
(iv)
leave the policy terms, conditions, and premium unaltered.

The Contracts (Rights of Third Parties) Act 1999
Except for an Insured Person, a person who is not a party to this policy may not benefit from it or enforce any of its terms. The
Contracts (Rights of Third Parties) Act 1999 does not apply to this policy.

24Policy Exclusions
This Part of the policy provides details of all Exclusions. Exclusions applicable to all sections of the policy are listed
first, followed by Exclusions applicable to each individual section of the policy.
This policy does not cover:(1) any consequence whatsoever resulting directly or indirectly from or in connection with any of the following regardless ofany other contributory cause or event:a. War in the Insured Person(s) Country of Residence or secondment.
b. any action taken in controlling, preventing, suppressing or in any way relating to 1a above.
The above exclusion shall be inoperative in the event of War being declared whilst the Insured Person is actuallyengaged on an Insured Journey abroad.
(2) the Insured Person engaging in any kind of flying other than as a passenger.
(3) the Insured Person engaging in Winter sports.
(4) the Insured Person travelling on a motorcycle over 125 cc.
(5) the Insured Person being a full time member of the armed forces of any nation or international authority or a member of
any reserve forces called out for permanent service.
(6) the Insured Person committing or attempting to commit suicide or intentionally inflicting self injury.
(7) the Insured Person(s) own criminal act.
(8) any loss incurred after the expiry of the Period of Insurance.
(9) any loss to any Insured Person who is a professional sportsperson or a professional entertainer.
(10) any loss incurred during any Incidental Holiday trip outside Europe or within Europe whose duration exceeds 14 days
unless such trip has been authorised and organised by the Group Policyholder.
Section 1 - Cancellation, Curtailment or Change of Itinerary
We will not be liable for any claim resulting from:(1) the Insured Person travelling against or planning to travel against the medical advice of a Qualified Medical
Practitioner or for the purpose of obtaining medical treatment.
(2) disinclination to travel or if on an Insured Journey, deciding not to continue.
(3) any costs or charges paid or discharged by the use of promotional vouchers or awards of any description.
(4) Your or an Insured Person(s) financial circumstances.
(5) a Natural Disaster other than the cover provided under the optional extension and this extension is shown as being
included on the Schedule.
(6) withdrawal from service temporarily or permanently of any means of transport on the orders or
recommendation of the manufacturer, the Civil Aviation Authority, National Air Traffic Services, any port authority or similar
body in any country except where on the day the Insured Person is due to depart such Insured Person is prevented fromtaking their trip due to:(a) airspace being closed for more than 24 hours from the date and time of their scheduled departure, as shownon their ticket/itinerary(b) an airport or port they are scheduled to travel from or through being closed for more than 24 hours from the date
and time of their scheduled departure, as shown on their ticket/ itinerary All claims must be supported bydocumentary evidence that the Insured Person has been unable to obtain a refund from their travel and/or
accommodation provider.
(7) Strike, labour dispute or failure of the means of transport (other than disruption of road and rail services by avalanchesnow or flood) other than where the departure of any means of transport on which the Insured Person is booked totravel is delayed by at least 24 hours unless the delay is due to a Strike or industrial action which existed or the
possibility of which existed and for which advance warning had been given prior to the date on which the Insured
Journey was booked.
(8) You or the Insured Person violating the laws or regulations of the country in which they are travelling.
(9) an Insured Person failing to check in according to the itinerary provided unless the failure was due to Strike orindustrial action.
(10) You or the Insured Person failing to obtain, hold, produce or maintain the required immigration, work, residence orsimilar visas permits or documents for the country to which they are travelling.
(11) evacuation of nationals of the country involved.
(12) regulations, border restrictions or orders made by any Public Authority or Government.; or any expenses incurred whilst
travelling against the advice of any Public Authority of Government if, at the time of booking the Insured Journey, such advice
was in place.
(13) any claim where it is subsequently found that the person involved is not an Insured Person. Any costs incurred in thisevent shall be Your sole responsibility.
(14) any circumstance that could have been reasonably foreseen as giving rise to a claim at the time an Insured
Journey was booked.
(15) any expenses incurred as the result of the failure to fulfil contractual obligations or financial failure of any transport oraccommodation provider, college, university or language school or any agent acting for them or of any agent acting for theGroup Policyholder or Insured Person.
(16) additional travel and accommodation expenses where the means of transport and/or accommodation used is of a25

standard superior to that of the outbound leg of the Journey.
(17) more than a rateable proportion of any expenses which are also recoverable from any other insurance policy which isapplicable to the Insured Person.
(18) any irrecoverable pre-paid college, university or language school course fee the Insured Person has to pay or iscontracted to pay.
(19) the amount of the Excess shown in the Schedule of each and every claim for Cancellation, Curtailment, Change ofItinerary.
(20) loss, charge or expense as a result of a delay in notifying the tour operator, travel agent, or transport or accommodation
provider that it is necessary to cancel a booking; or an Insured Person deciding not to travel or if on a Journey deciding
not to continue.
(21) or in any way caused by or resulting from COVID-19; other than when a trip is cancelled before commencement directly andnecessarily as a result of:a) Illness caused by COVID-19 of an Insured Person, or,b) an Insured Person receiving a positive diagnosis of COVID-19 following an official PCR test.
(22) or in any way caused by the Insured Person being in a state of anxiety stress, depression or any phobia or mental or
nervous disorder.
Travel Delay and Abandonment
We will not be liable for any claim resulting from
(1) the failure of the Insured Person to check in not later than the time indicated by the carriers unless the failure was due
to Strike or industrial action.
(2) the failure of the Insured Person to obtain written confirmation from the carriers or their handling agents of the numberof hours delay and the reason for such delay.
(3) withdrawal from service temporarily or permanently of any means of transport on the orders or recommendation of the
manufacturer, the Civil Aviation Authority, National Air Traffic Services, any port authority or similar body in any country
except where on the day the Insured Person is due to depart from the United Kingdom such Insured Person isprevented from taking their trip due to(a) airspace being closed for more than 24 hours from the date and time of their scheduled departure, as shown on
their ticket/itinerary(b) an airport or port they are scheduled to travel from or through being closed for more than 24 hours
from the date and time of their scheduled departure, as shown on their ticket/ itinerary All claims must be supported bydocumentary evidence that the Insured Person has been unable to obtain a refund from their travel and/or
accommodation provider(4) the failure of the Insured Person to accept alternative equivalent means of transport within the period of delay where thisis offered on reasonable terms in lieu of the original mode of conveyance.
(5) Strike labour dispute or industrial action which existed or the possibility of which existed and for which
advance warning had been given prior to the date on which the Insured Journey was booked.
(6) delay where compensation is recoverable from the airline or other carrier.
(7) any circumstance that could have been reasonably foreseen as giving rise to a claim at the time an Insured Journey wasbooked(8) or in any way caused by COVID-19.
(9) or in any way caused by the Insured Person being in a state of anxiety stress, depression or any phobia or mental or
nervous disorder.
Missed Departure, Additional Travel and Accommodation
We will not pay any claim(1) If the Insured Person does not make reasonable efforts to get to the International Departure Point from or to the United
Kingdom for the time specified on the travel tickets.
(2) as a result of any circumstance that could have been reasonably foreseen as giving rise to a claim at the time an
Insured Journey was booked.
(3) resulting from or in any way caused by COVID-19.
(4) resulting from or in any way caused by the Insured Person being in a state of anxiety stress, depression or any phobia or
mental or nervous disorder.
Section 2 - Course Fees
We will not pay for(1) any expenses incurred where a Journey is booked or undertaken against the advice of a Qualified Medical
Practitioner or where the purpose of the Journey is to receive medical treatment or advice.
(2) any expenses incurred as the result of the failure to fulfil contractual obligations or financial failure of any transport,
accommodation provider, college, university or language school or any agent acting for them or of any agent acting for
the Group Policyholder or Insured Person.
(3) any expenses incurred as a result of the failure to obtain, hold, produce or maintain the required immigration, work, residenceor similar visas permits or documents for the country to which they are travelling.
(4) any costs or charges paid or discharged by the use of promotional vouchers or awards of any description.
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(5) any expenses incurred as a result of disinclination of an Insured Person to travel or, if on a Journey, disinclination tocontinue.
(6) more than a rateable proportion of any expenses which are also recoverable from any other insurance policy which isapplicable to the Group Policyholder or Insured Person.
(7) any expenses incurred where a Academic Course is cancelled as a result of redundancy or resignation of the Insured
Person or of the termination of the Insured Person’s employment within 31 days of the commencement of a pre-booked
Journey or Academic Course.
(8) any expenses incurred as result of adverse changes in the Group Policyholder’s or an Insured Person’s financial
circumstances.
(9) any expenses incurred as a result of a Natural Disaster other than the cover provided under the optional extension andthis extension is shown as being included on the Schedule.
(10) any expenses incurred as a result of regulations, border restrictions or orders made by any Public Authority or Government.; orany expenses incurred whilst travelling against the advice of any Public Authority of Government if, at the time of booking theInsured Journey, such advice was in place.
(11) Strike labour dispute or failure of the means of transport (other than disruption of road and rail services by avalanchesnow or flood) other than where the departure of any means of transport on which the Insured Person is booked to travel
is delayed by at least 24 hours unless the delay is due to a Strike or industrial action which existed or the possibility ofwhich existed and for which advance warning had been given prior to the date on which the Insured Journey wasbooked.
(12) any expenses incurred if the Group Policyholder or Insured Person was aware at the time of applying for thisInsurance of any reason why the Journey should be cancelled or curtailed.
(13) the amount of the Excess shown in the Schedule.
(14) any claim in any way caused by or resulting from COVID-19.
(15) any claim in any way caused by or resulting from the Insured Person being in a state of anxiety stress, depression or any
phobia or mental or nervous disorder.
Section 3 - Medical Expenses Emergency Repatriation Expenses and Supplementary Travel andAccommodation Expenses
We will not be liable for any claim resulting from
(1) medical expenses incurred when the specific purpose of the Journey is for the Insured Person to receive medical
treatment or advice.
(2) medical expenses arising from an Illness which the Insured Person is aware of and in respect of which the Insured
Person is travelling against medical advice or where a terminal prognosis has been given.
(3) medical expenses incurred whilst on an Insured Journey within the Insured Person(s) Country of
Residence.
(4) any expenses incurred 12 months after the date the need for treatment first arises.
(5) any expenses which are recovered from any other insurance policy or national insurance programme which is applicable tothe Insured Person.
(6) dental or optical expenses other than those incurred in providing the minimum treatment necessary to relieve pain anddiscomfort for the duration of the Insured Journey, and then only provided that all routine dental and optical treatment
is completed prior to the Insured Journey.
(7) Emergency mental health treatment if the Insured Person has been treated for or diagnosed with a mental health condition
during the twelve month period prior to the date of booking their Journey and/or Academic Course.
(8) surgical or medical treatment which can be reasonably delayed until the Insured Person’s return to the Country of Residence(9) medication and/or treatment which at the time of departure is known to be required or to be continued outside the Countryof Residence.
(10) the amount of the Excess shown in the Schedule.
(11) any expenses incurred which in any way arise from or are attributable to sexually transmitted diseases.
(12) Private medical expenses in the United Kingdom unless cover has been agreed and included by Us.
Section 4 - Personal Belongings
We will not be liable for any claim resulting from
(1) breakage of articles of a brittle nature unless caused by an accident to the conveyance in which the article is being carried.
(2) loss or damage caused by(a) moth or vermin or gradual deterioration, atmospheric or climatic conditions, wear and tear (this does not apply to theloss of or damage to any item resulting from wear and tear to a clasp setting or other fastening to a carrier or container)(b) mechanical or electrical failure or breakdown(c) any process of cleaning, dying, restoring, repairing or alteration(3) loss of Money under this section.
(4) Loss of Valuables unless cover under this optional extension is shown as being operative.
(5) loss or damage caused by delay detention or confiscation by order of any Government or Public Authority.
(6) loss which is not reported to the local police or appropriate authorities within 48 hours of its discovery and a written reportobtained (in the case of an airline the Insured Person will need to obtain a property irregularity report).
(7) loss or damage from pressure in an aircraft cargo hold.
(8) theft or attempted theft of Personal Belongings or Valuables from any unattended vehicle unless kept out of sight in27

a locked boot or compartment or in the case of a hatchback or estate car under a purpose built luggage cover. There
must be evidence that the vehicle has been broken into.
(9) loss of or damage to vehicles their parts or accessories.
(10) loss of or damage to Personal Belongings sent as freight or under a bill of lading.
(11) loss of or damage to sports equipment (including Winter Sports equipment) while in use.
(12) loss or corruption of or damage to software, information or data contained in any computer, tapes or recording equipment
or any cost incurred in repairing or replacing such information, software data computers, tapes or recording equipment(13) any items of household furniture household appliances or household equipment.
(14) loss or damage occurring in the custody of an airline or other transport carrier unless reported immediately upon
discovery and in the case of an airline a Property Irregularity Report obtained.
(15) contact or corneal lenses, dentures, dental caps or crowns, hearing aids or fragile articles, or pedal cycles or laptop
computers and sporting equipment whilst in use.
(16) any article more specifically insured or recoverable under any other insurance.
(17) the amount of the Excess shown in the Schedule for each and every claim for Personal Belongings. In the event of a claim
under both the Personal Belongings and Money Sections of this policy arising out of a single cause only one Excess
will apply per Insured Person.
Section 5 - Money
We will not pay any claim for(1) any costs due to delay confiscation by customs or any other authority errors or omissions in receipts or payment or
accountancy or depreciation in value.
(2) any loss which is not reported to the local police or appropriate authorities within 48 hours of its discovery and a written
report obtained (in the case of an airline the Insured Person will need to obtain a property irregularity report).
(3) any loss or theft of a credit card, charge card or cash card which results in fraudulent use unless the Insured Person
has complied with all the terms and conditions under which the card was issued.
(4) more than £250 in respect of Money and credit card misuse in total traveller’s cheques unless the loss or theft is reported
immediately to the local branch or agent of the issuing company; or if the issuing company provides a replacement service.
(5) promotional vouchers or awards or any goods or services obtained through the conversion of such vouchers orawards.
(6) any single loss of Coins bank or currency notes in excess of £100.
(7) the amount of the Excess shown in the Schedule of each and every claim for Money In the event of a claim under both
the Money and Personal Belongings sections of this policy arising out of a single cause only one Excess will apply per
Insured Person.
(8) theft or attempted theft of Money from any unattended Vehicle unless kept out of sight in a locked boot which isseparate from the passenger compartment or locked compartment or in the case of a hatchback or estate car, under apurpose built luggage cover. There must be evidence that the vehicle has been broken into.
Section 6 - Personal Liability
We will not be liable for any claim arising from
(1) any liability in respect of Accidental death or Accidental Bodily Injury sustained by any member of the Insured
Person(s) family or any person who is under a contract of service with You and which arises out of and in the course of
their employment by You or liability arising in connection with any Business profession or occupation.
(2) liability for loss of or damage to property belonging to or in the custody or control of the Insured Person, their family orof any employee or agent of the Insured Person.
(3) liability arising out of the ownership possession or use by the Insured Person of any land or buildings.
(4) liability arising from the ownership possession or use of any mechanically propelled vehicle, aircraft, hovercraft orwatercraft (other than hand propelled watercraft) under the control of the Insured Person.
(5) liability arising out of the use of firearms.
(6) liability involving animals other than domestic cats and dogs and horses.
(7) liability assumed by the Insured Person by agreement unless such liability would have attached to the Insured Person in theabsence of such agreement.
(8) liability which is the result of any claim resulting from the transmission of any communicable disease or virus.
(9) liability which is the result of any wilful malicious or unlawful act.
(10) any punitive or exemplary damages.
Section 7 - Overseas Legal Expenses
We will not pay any claim(1) if the Insured Person does not keep to the terms, conditions and exceptions under Legal Expenses section.
(2) where the Insured Person is more specifically insured under another policy or in respect of any amount which the Insured
Person cannot recover from a more specific insurance because the insurer of that insurance refuses the claim.
(3) relating to the Insured Person driving a motor vehicle without a valid licence and/or insurance.
(4) relating to any Illness, death or Bodily Injury which develops gradually or is not caused by a specific sudden event.
(5) arising from Deep Vein Thrombosis (DVT) or its symptoms that result from travelling by air.
(6) in respect of libel or slander.
(7) for Costs and Expenses incurred prior to Our written acceptance of a claim.
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(8) for Costs and Expenses which have been incurred by the Appointed Representative on a contingency fee basis.
(9) in respect of any legal action an Insured Person takes which We have not agreed to or where an Insured
Person does anything to hinder Us or the Appointed Representative.
(10) deliberately or intentionally caused by the Insured Person or as a result of the Insured Person(s) criminal act.
(11) for any fines, penalties, compensation or damages which the Insured Person is ordered to pay by a court
or other authority.
(12) in respect of an application for judicial review.
(13) relating to any non-contracting party’s rights (other than those of an Insured Person) to enforce all or any part of thissection. The Contracts (Rights of Third Parties) Act 1999 does not apply to this section for a dispute with Us other thanas catered for in conditions 6 and 7 Legal Expenses.
(14) against a tour operator, travel agent, insurer or their agent, a member of the Insured Person(s) family, another Insured
Person under this policy, the Group Policyholder or Us.
Section 8 - Personal Accident
We will not pay any claim for Accidental Bodily Injury directly or indirectly caused by the Insured Person suffering from
(1) any gradually operating cause.
(2) any naturally occurring condition or degenerative process.
(3) Illness or disease (unless resulting directly from Accidental Bodily Injury).

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Optional Extension - Natural Disaster Cover(cover only included if shown as “Insured” on Schedule of Benefits)
Additional definition added to the policy applicable to this Natural Disaster extension only:
Natural Disaster
Hurricane, tornado, storm, high water, wind, driven water, tsunami, earthquake, volcanic eruption, landslide, snowstorm or natural
fire.
Amendment to the policy Exclusions applicable to this Natural Disaster extension only:

Section 1 – Cancellation and Curtailment
Exclusion 12 is deleted and replaced with the following:(12) regulations, border restrictions or orders made by any Public Authority or Government.; or any expenses incurred whilst
travelling against the advice of any Public Authority of Government if, at the time of booking the Insured Journey, such advice wasin place.
This exclusion shall not apply to the cover provided in respect of Natural Disaster.

Section 2 - Course Fees
Exclusion 8 is deleted and replaced with the following:(10) any expenses incurred as a result of regulations, border restrictions or orders made by any Public Authority or Government.; orany expenses incurred whilst travelling against the advice of any Public Authority of Government if, at the time of booking theInsured Jounry, such advice was in place.
This exclusion shall not apply to the cover provided in respect of Natural Disaster.
Additional conditions applicable to this Natural Disaster extension only under:
Section 1 – Cancellation and Curtailment
Section 2 - Course Fees(i) The cover provided for Natural Disaster will only apply when a recognised government body, acting on behalf of suchgovernment, of the country to or from which the Insured Person is travelling has issued a directive:
prohibiting all travel to or fromorrecommending evacuation fromthe country or specific area or event to which the Insured Person was travelling provided that the directive came into force after
the Insured Person was provided with or purchased this insurance or booked the Journey (whichever is the later), or in the caseof Curtailment or Alteration to Itinerary, after the Insured Person had left the United Kingdom or Country of Residence tocommence the Journey.
(ii) The cover provided will only apply when the Insured Person is unable to recover their incurred expenses through any othermeans.
Amendment to the cover applicable to this Natural Disaster extension under:
Section 1 – Cancellation and Curtailment
Extensions(i) Travel Delay and Abandonment(ii) Missed Departure Additional Travel & Accommodation
The cover specified in the policy for these extensions is extended to include the additional cause of Natural Disaster.

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Ortus Underwriting
Registered Office: 15 Westferry Circus, London, E14 4HD
Company Number: 08142321
email: ah-enquiries@ortusunderwriting.com

Underwritten by Canopius Managing Agents Limited
Registered Office: Floor 29, 22 Bishopsgate, London, United Kingdom, EC2N 4BQ
Registered in England and Wales; Company Number 01514453
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority andPrudential Regulation Authority
Version control number ORTUS Studentguard + Group Travel V1 0123

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