There are conditions and exclusions which apply to individual sections while general exclusions, conditions and warranties will apply to the whole of the policy. The policy contains restrictions regarding pre-existing medical problems of the people travelling and of other people upon whose health the holiday may depend. If you are going to take part in dangerous sports or pastimes where there is a high risk of injury, including water sports, check the policy covers you. These are based on the value of the item at the time you loose them and not on a new for old or replacement value. Most sections of the policy have limits on the amount that will be paid under that section.
Some sections also have specific limits for example, for any one item or valuables in total.
You are advised to check the policy if you intend taking expensive items with you. Under some sections of the policy claims are subject to an excess, this means that the first part of the claim will not be paid. You need to take reasonable care to protect yourself and your property as you would if you were not insured. The policy contains a complaints procedure which tells you which steps to take if you wish to make a complaint. The policy is governed by English law unless you and the insurers have agreed otherwise.