Accident
An undesirable or unfortunate happening that occurs unintentionally and usually results in
harm, injury, damage, or loss; casualty.
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Benefits
The amount payable in respect of a covered claim.
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Cancellation
Cancellation of the trip resulting from an unforeseen occurrence.
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Claims Handler
The loss adjusters named on the policy certificate.
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To cut short the trip by returning home earlier than the planned date of return.
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Date of Issue
Date shown on the quote or policy certificate as to when it was issued.
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Excess
The part of each and every claim which is the responsibility of the
insured.
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F
General Exclusion
Something which is not covered by the insurance and relates to every section of the
policy.
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Hijack
To seize or detain by force or threat of force.
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Home
The insured's main dwelling or place of residence within the British Isles.
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Hospital Sundries
The amount payable for each 24 hour period the insured is a hospitalised.
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Persons shown on the quote taken up or policy certificate.
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J
K
Legal Expenses
Costs incurred by the insured in pursuit of legal proceedings
against third parties.
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Level of Cover
The amount up to which the insured is covered under any
particular section of the policy.
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Money
Bank and currency notes, coins, travel and admission tickets, accommodation and meal vouchers,
petrol coupons for private purpose.
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N
O
Period of Insurance
The time and date in which the insurance is effective.
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Property & Baggage
Personal property taken or purchased on the trip by the insured.
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Personal Liability
Legal liability for accidental injury to a third party and/or accidental damage to their property.
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Q
Repatriation
To bring or send back a person to his or her country or land of citizenship as a result
of accidental injury or illness.
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Ski Equipment
Skis, ski sticks, ski bindings, ski boots, snowboards etc.
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Ski Hire
The insured may not own the necessary ski equipment for the holiday
or hired due to loss, damage or delay of the insured's own ski equipment.
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Specific Exclusions
Something which is not covered by the insurance and relates only to a particular section of the
policy.
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Territorial Limits
Geographical areas or countries shown on the quote or policy certificate.
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Travelling Companion
The person whom the insured has booked to travel with.
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Unforeseen Occurrences
Unexpected happenings (as listed in the relevant insurance companies policy terms and
conditions) which can lead to the cancellation or
curtailment of a trip.
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Valuables
Cameras, photographic apparatus, video equipment, stamps, documents, dentures, hearing aids,
furs, binoculars, tape recorders, cassettes and players, radios, compact discs and players,
computers and accessories, mobile phones, video games and TV sets, for example.
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