Definitions

Accident - a sudden, unexpected, unusual, specific, violent, external event which results in a Loss.

Adult - a person aged 19 or over.

Assistance Services - services offered by the Medical Assistance Company including making suitable medical arrangements, assistance for children at Home, advance for Bail Bonds, transmission of emergency messages.

Baggage & Property - personal property taken or purchased on the Trip by the Insured.

Benefits - the amount payable in respect of a covered claim.

Cancellation - cancellation of the Trip resulting from an unforeseen occurrence.

Child - a person aged 18 or under.

Claims Handler - the loss adjusters named on the policy certificate.

Close Business Associate - a person working for the same company and in the same office as the Insured or Traveling Companion.

Couple - a legally married couple both aged under 65; a common law husband and wife both aged under 65; an adult couple both aged under 65 who have been cohabiting for at least one year.

Curtailment - to cut short the Trip by returning Home earlier than the planned date of return.

Date of Issue - date shown on the quote or policy certificate as to when it was issued.

Excess - the part of each and every claim which is the responsibility of the Insured.

Family - a legally married couple both aged under 65; a common law husband and wife both aged under 65; a single parent; an adult couple both aged under 65 who have been cohabiting for at least one year, with up to three children aged 18 years under (or 21 in full time education).

General Exclusion - something which is not covered by the insurance and relates to every section of the Policy.

Hijack - the Insured being detained against their will by Hijack on an aircraft or sea vessel.

Home - the Insured’s place of residence in the British Isles.

Hospital Sundries - the amount payable for each 24 hour period the Insured is a hospital in-patient.

Insured - persons shown on the quote or policy certificate.

Legal Expenses - costs incurred by the Insured in pursuit of legal proceedings against third parties.

Level of cover - the amount up to which the Insured is covered under any particular Section of the Policy.

Loss (in Section 6) - Death, Loss of One or More Limbs or Both Eyes or Permanent Disability.

Loss of Both Eyes - the complete and irrecoverable loss of sight of both eyes.

Loss of One or More Limbs - loss by physical severance of a hand at or above the wrist or a foot at or above the ankle.

Loss of Passport - costs for temporary travel documents and reasonable travel and accommodation expenses necessarily incurred to replace the Insured’s lost or stolen passport.

Medical Assistance Company - the assistance company named on the policy Certificate.

Missed Departure - arriving at the British Isles or International departure point too late to commence the Trip as booked.

Money & Documents - bank and currency notes, coins, travel and admission tickets, accommodation and meal vouchers, petrol coupons for private purpose.

Period of Insurance - the time and date in which the insurance is effective.

Permanent Disability - disability caused directly from an Accident which results in incapacitation for 12 or more consecutive months.

Personal Accident - death or permanent disability.

Personal Liability - legal liability for accidental injury to a third party and/or accidental damage to their property.

Piste Closure - where skiing is prohibited for a period in excess of 12 hours.

Relative - spouse, fiance(e), parent, parent-in-law, brother, brother-in-law, sister, sister-in-law, son-in-law, daughter-in-law, child, grandchild.

Repatriation (in Section 3) - returning Home as a result of accidental injury or illness.

Ski Equipment - skis, ski sticks, ski bindings, ski boots, snowboards.

Ski Hire - Ski equipment hired due to loss, damage or delay of the Insured’s ski equipment.

Ski Pack - unused ski pass, ski hire or tuition fees resulting from accidental injury, sickness or loss/theft of ski pass.

Specific Exclusions - something which is not covered by the insurance and relates only to a particular section of the Policy

Territorial Limits - geographical areas or countries shown on the quote or policy certificate