TRAVEL INSURANCE - The British Mountaineering Council · MedicalAssistanceandReferralServices 13 ... Alpine & Ski or 4. High ... on t da isb k (commencementofthePeriodofInsurance

TRAVEL INSURANCEYour Policy Document

CONTENTSADVICE FOR TRAVELLERS 4

WELCOME 5

IMPORTANT INFORMATION 5Your Policy and Policy Schedule 5Persons Covered 5Children 6Journeys Covered 6Journeys Not Covered 6The Cover Provided 6When You Are Covered 7When Cover Will End Automatically 7Automatic Extension of the Period of Insurance 7Health Declaration and Change of Health 7Health Exclusions 8Reciprocal Health Agreements andWaiver of Excess 8Sports and Leisure Activities CoveredAutomatically 8Optional Sports and Leisure Activities Extensions 9

CLAIMS CONDITIONS 10Making a Claim 11Reporting Lost, Stolen or Damaged Property 11Complying with Special Conditions 11Other Insurance 11Supplying Details and Documents 11Your Duty to Avoid or Minimise a Claim 11Protecting Property 11Interest 11Sending Us Legal Documents 11Things You MUST NOT Do 11Recognising Our Rights 12Dishonesty and Fraudulent Claims 12Paying Claims 12

ACE ASSISTANCE 12Medical Assistance and Referral Services 13Personal Assistance Services 13

GENERAL EXCLUSIONS 14

COVER 15Section 1. Cancellation 15

XSection 2. Medical and Additional Expenses(including Search & Rescue expenses Abroad) 16Section 3. Travel Delay 18Section 4. Personal Property 19Section 5. Loss of Passport/Driving Licence 20Section 6. Money 20Section 7. Personal Accident 20Section 8. Curtailment 21Section 9. Personal Liability 21Section 10. Overseas Legal Advice and Expenses 22Section 11 Missed Departure 24Section 12. Hospital Benefit 25Section 13. Additional Pet Care Fees 25Section 14. Catastrophe 25Section 15. Hijack 25

The Following Extension Applies Only If ThePolicy Schedule Shows That You Have BoughtCover under the Professional Extension.

Professional Extension 26

The Following Extension Applies Only If ThePolicy Schedule Shows That You Have BoughtOptional Sports and Leisure ActivitiesExtension 3. Alpine & Ski or 4. HighAltitude & Remote Area.

Winter Sports Extension 26

GENERAL CONDITIONS 27Contract 27Interpretation 27Observing Policy Terms & Conditions 27Changing Your Policy 27Cancelling Your Policy 27If We want to Cancel 27Conflicts of Interest 27Stamp Duty on Policies 28Charges 28Insurance Act 1936 28Other Taxes and Costs 28Complaints Procedures 28Financial Ombudsman Service 28Data Protection Statement 28

GENERAL DEFINITIONS 29

3

IMPORTANTINFORMATION

BMCtel: +44 (0) 161 445 6111

email: [email protected]

ACE ASSISTANCE+44 (0) 20 7173 7933

BMC TRAVEL INSURANCE CLAIMS+44 (0) 1293 726434

ADVICE FORTRAVELLERSLocal Safety Advice and EmergencyContact DetailsBefore engaging in sports or leisure activitiescovered under this Policy, You should ensure thatall reasonable local safety advice has beenobtained and is followed. This includes obtainingdetails of local emergency mountain / search andrescue services and taking such details with You.Whilst ACE Assistance will provide allreasonable medical and repatriation assistanceservices as detailed in this policy and will workwith local rescue services, it is not responsible forany search and rescue or mountain rescue i.e. thePrimary Retrieval or recovery of PersonsInsured from mountains remote areas or othersimilar locations.

It is Your responsibility to make all arrangementswith the relevant mountain rescue organisation (orequivalent rescue organisations / mountainguides/ local authorities or other public or privateorganisations) responsible for retrieval from themountains, remote locations or any similarenvironment where injury, illness or incapacityarises. In the event of illness, injury or incapacityarising whilst engaging in sports or leisureactivities covered under this Policy, inmountainous, remote or similar locations, You orone of Your party need to make direct contactwith the relevant rescue organisation(s), toarrange primary retrieval. ACE Assistance shouldnot be contacted to arrange primary retrieval asthey are not able to provide this service.

Once primary retrieval has been arranged ACEAssistance should be notified at the earliestpracticable opportunity and will take overresponsibility for case management once youhave arrived at a suitable medical facility (onethat can carry out clinical investigations,diagnoses and prognoses including x-rays, scansand blood tests, within reasonable proximity of asuitable road network, port, airport, helicopterlanding pad or airstrip and from which a medicalevacuation can be carried out if necessary).

ACE Assistance will then be able to provide Youwith the services detailed under “MedicalAssistance and Referral Services” on page 13.

Other Important Phone NumbersPlease make a note of the following phonenumbers or add them to Your mobile; You mayneed them if You need to make a claim.

ACE Assistance(Medical Assistance and Referral Services and

Personal Assistance Services)

+44 (0) 20 7173 7933

BMC Travel Insurance Claims+44 (0) 1293 726434

ImmunisationsYou may need extra immunisations whentravelling abroad. It is important that You checkwhether You do, before travelling.

EHICIf You are travelling to Europe, You should obtaina European Health Insurance Card (EHIC) andtake it with You when You travel.

Waiver of Medical ExcessIf You have a valid claim for medical expensesunder this Policy, which is reduced by Your� using an EHIC; or� taking advantage of a reciprocal healthagreement with Your home country; or

� using Your private medical insuranceat the point of treatment, We will NOT deduct theexcess.

Travel Advice Unit of theDepartment of Foreign AffairsThe Travel Advice Unit of the Department ofForeign Affairs (DFA) and the World HealthOrganisation (WHO) periodically issue guidelinesabout locations around the world and whether it isadvisable to travel to, or within, such locations.

Please note: This Policy does not cover anyHoliday involving travel to areas where the TheTravel Advice Unit of the Department of ForeignAffairs (DFA) has advised against ‘all travel’.If You are not sure whether there is a travelwarning for Your destination, please check theirwebsite: www.dfa.ie/home or call themTelephone: (01) 4780822

Before Booking a New JourneyIf You have bought a Multi Trip policy, pleasecheck that it continues to meet Your needs beforebooking any new journey.

The Important Information section and PolicySchedule contain essential information on policybenefits, benefit amounts, Persons Covered;Journeys Covered and Journeys Not Covered;Covered Leisure Activities Sports and WinterSports, Health Exclusions, Health Declaration andChange of Health.

If You have any questions, need to declare achange of health, or amend or renew Your Policy,please contact Us immediately and before bookingYour journey.

WELCOMEThank You for choosing BMC Travel Insurance.

This is Your Travel Insurance Policy Documentwhich, together with Your Policy Schedule and theinformation supplied when applying for thisinsurance, is a contract between You and Us.

In return for payment of the premium, We agree toinsure You during the Period of Insurance subjectto the Policy Terms, Conditions and Exclusions.

The Policy Schedule shows the cover You havechosen and the most We will pay under each section.

You MUST tell Us if either Your insurance needs orany of the information You have given Uschanges. A change in circumstances may affectYour cover, even if You do not think a change issignificant, and We may need to change thisPolicy. We will update the Policy and issue a newPolicy Schedule each time a change is agreed.

If You have any questions, do contact Us and Wewill be happy to help.

Andrew KendrickChairman and CEOACE European Group Limited

IMPORTANTINFORMATIONThe words and phrases appearing in bold type andstarting with a capital letter in this Policy Documentand the Policy Schedule always have the samemeanings wherever they appear. These meaningsare explained in the General Definitions section onPages 29 to 32 of this Policy Document.

Your Policy and Policy ScheduleThis is Your Travel Insurance Policy Document.Your Policy Document and Policy Schedule set outthe terms of Your contract with Us and contain fulldetails of� what is covered;� what is not covered;� the conditions that apply;� how to get medical assistance� how to make a Claim.Please:� check them carefully to ensure that the coverprovided meets Your needs;

� keep them in a safe place;� take them (or a copy) with You when travelling;� make a note of the Important Phone Numberson page 4 of this Policy (or store them on Yourmobile phone) and take them with You at alltimes when travelling on a Journey.

If You have any questions please contact Us on+44 (0)161 445 6111.

Persons CoveredTo be covered under this Policy, You MUST:1. be continuallyA. resident in the Republic of Ireland; andB. registered with a GP practising in the

Republic of Ireland;C. a BMC/MCofS/MI member (or a memberof an affiliated club) or the Partner or Childof a member who is also covered under thisPolicy.

throughout the Period of Insurance;

2. at the time You applied for this Policy, havebeen able to make the statements We askedYou to make, and which appear in Your PolicySchedule under the Section entitled “Yourdeclaration to Us”.

4 FOR GENERAL DEFINITIONS GO TO PAGES 29 TO 32 FOR GENERAL DEFINITIONS GO TO PAGES 29 TO 32 5

ChildrenChildren will only be covered under a Multi TripPolicy when1. they are travelling with an adult named under

Persons Insured on the Policy Schedule; or2. travelling with and under the supervision ofanother adult Insured under a BMC TravelInsurance Policy, who is responsible for theircare for the length of the Journey.

Journeys CoveredThe type of Policy You have, Single Trip or MultiTrip, is shown on the Policy Schedule.1. Single Trip PolicyA Single Trip Policy covers a Journey duringthe Period of Insurance that takes placeentirely within the Area of Travel stated in thePolicy Schedule.

2. Multi Trip PolicyA Multi Trip Policy covers all Journeys duringthe Period of Insurance provided they meetthe following conditions:A. each Journey MUST take place entirelywithin the Area of Travel stated in the PolicySchedule.

B. No single Journey Abroad exceeds theMaximum Duration Any One JourneyAbroad stated in the Policy Schedule.

C. You do not exceed the Total Number ofDays Abroad stated in the Policy Schedule.

D. each Journey in Your Home Countryincludes at least 1 night spent in paidaccommodation that is booked before theJourney begins; or if the sole purpose ofthe trip is to take part in a sport or leisureactivity for which You have bought coverunder one of the Optional Sports andLeisure Activities Extensions under thisPolicy.

Journeys Not CoveredWe will not cover any Journey:� which involves You travelling specifically toobtain medical, dental or cosmetic treatment

� where sports or activities are the main focus of,or form a significant proportion of YourJourney (unless You have bought cover underthe appropriate Optional Sports and ActivitiesExtension).

� where the primary purpose is to:1. set or break a speed, distance, enduranceor other record; or

2. to participate in a commercial film,

documentary or other programme,3. to test a productunless this has been declared in advance to Usand We have agreed in writing to providecover for such activities.

� which is solely a pleasure cruise, unlessdeclared to Us in advance and We haveagreed in writing to cover such Journey.

� where, on the date it is booked (orcommencement of the Period of Insurance iflater), You or Your Travelling Companionare aware of any reason why it might becancelled or Curtailed, or any othercircumstance that could reasonably beexpected to result in a claim under this Policy

� where Your destination is an area where TheTravel Advice Unit of the Department ofForeign Affairs (DFA) has advised against ‘alltravel’; or that part of any Journey whichinvolves travel within an area where The TravelAdvice Unit of the Department of ForeignAffairs (DFA) has advised against ‘all travel’(all cover under this Policy will ceaseimmediately You enter such area, willrecommence immediately You leave such areaand excludes any claims arising directly orindirectly out of or in connection with any eventor circumstances which occur in such area).If You are not sure whether there is a travelwarning for Your destination, please checktheir website www.dfa.ie/home or callthem on (01) 4780822.

The Cover ProvidedThe Cover You have bought is shown in YourPolicy Schedule.

Your Policy Schedule shows the maximum amountWe will pay under each Section, and whether Youhave bought cover under an Optional Sports andActivities Extension and/or the ProfessionalExtension.

All cover Sections provide cover for JourneysAbroad. If You have bought a Multi Trip Policy (ora Single Trip Policy for a Journey within YourHome Country), the following Sections alsoprovide cover for Journeys within Your HomeCountry:Section 1. Cancellation; andSection 4. Personal Property; andSection 6. Money; andSection 7. Personal Accident; and

Section 8. Curtailment; andSection 9. Personal Liability; andSection 15. Hijack.

If You have bought cover under an OptionalSports and Activities Extension and/or theProfessional Extension, it will also provide coverfor Journeys within Your Home Country).

When You Are Covered1. Cancellation cover under Section 1 beginswhen a Journey is booked, if this Policy is inforce at the time of booking, or from the Dateand Time Stated in the Policy Schedule, if later,and ends when You leave Home to commenceYour Journey.

2. Insurance cover under all other Sectionsoperates for a Journey that takes place duringthe Period of Insurance and includes traveldirectly to and from Your Home providedYour return Home is completed within 24hours of YourA. return to Your Home Country; orB. departure from pre-booked accommodationfollowing a Journey within Your HomeCountry.

When Cover Will End Automatically1. Single Trip PoliciesAll cover will end when the Period ofInsurance ends, or when You return to YourHome at the end of Your Journey, or 24hours after You return to Your Home Countryat the end of Your Journey, whichever occursfirst.

2. Multi Trip PoliciesA. All cover will end when the Period of

Insurance endsB. Cover for Children will end on the firstdate premium is due after their 18thbirthday or when any of the followingoccur, if earlier:� Your cover ends; or� Your Child gets married; or� Your Child stops being dependent on

You.

If a Journey continues beyond the expiry date ofthis Policy or a Journey has been booked whichbegins after the expiry date of this Policy You mustrenew Your Policy or buy a new Policy if You wishcover to continue. If You do not renew Your Policyor buy a new Policy, the remaining period of the

Journey or any future Journey which has beenbooked will not be covered after the expiry dateof this Policy.

Automatic Extension of the Periodof InsuranceIf You cannot return Home from a Journeybefore Your cover ends, Your Policy willautomatically be extended at no extra charge for:� up to 14 days if any Public Transport inwhich You are booked to travel as a ticket-holding passenger is unexpectedly delayed,cancelled or Curtailed because of adverseweather, industrial action, or mechanicalbreakdown.

� up to 30 days (or any longer period agreed byUs in writing before this automatic extensionexpires) if You cannot return Home Due To:1. You being injured or becoming ill or beingquarantined during a Journey

2. You being required to stay on medicaladvice with another Person Insurednamed on Your Policy Schedule who isinjured or becomes ill or is quarantinedduring a Journey

Health Declaration and Changeof HealthPlease read the following carefully as it may affectthe cover We provide and Your ability to Claimunder Your Policy.

At the time You applied for this Policy, You madethe following statements relating to the health ofeach Person Insured under this Policy:

“I accept that if anyone travelling� has any pre existing medical condition; or� is experiencing symptoms of any medicalcondition that has not as yet been diagnosed;or

� is waiting for any medical investigation,referral, treatment or results for any symptomsor condition

I can buy a policy, but there is no cover for anyclaims linked to any such condition.”

If You have a Multi Trip Policy, We also told Youthat You need to be able to confirm thesestatements before You book any Journey.

If a Person Insured’s health changes after Youmade these statements and You can no longer


make them, You MUST let Us know immediatelyif:� You have reason to believe that Your Journeymay need to be cancelled or Curtailed or Youare aware of any other circumstance that couldreasonably be expected to result in a claim onthis Policy; or

� a Doctor has advised You or any otherPerson Insured against travelling or Youbelieve would do so if his/her advice wassought; or

� You or any other Person Insured has anymedical condition for which You or they havereceived a terminal prognosis; or

� You have a Multi Trip Policy which expiresbefore Your departure date;

Provided Your Journey was booked before thechange of health occurred, You may have a validcancellation Claim if You have to cancel YourJourney, or We cannot provide the cover Yourequire.

If You have a Multi Trip Policy and book a newJourney without telling Us that You cannot makethese statements, We will not cover any Claim DueTo any Person Insured’s change of health. If Youtell Us about a Person Insured’s change of healthWe will tell You if We can provide cover for anyClaim Due To their change of health, and if so,whether any additional terms apply. If We agree tocover any Claim Due To a Person Insured’schange of health, We will confirm this in writing.

If You do not let Us know about a PersonInsured’s change of health, You may not have thecover You need and it may invalidate Your Policyor reduce the amount of any Cancellation Claim.

Health Exclusions1. Exclusions relating to Your health and thehealth of other Persons Insured:This Policy contains exclusions relating to Yourhealth and the health of other PersonsInsured. These appear under the GeneralExclusions.

2. Exclusions relating to the health of any personon which Your Journey depends.This Policy contains exclusions relating to thehealth of any person on which Your Journeydepends.These exclusions appear under the� Cancellation Section; and� Curtailment Section.

Reciprocal Health Agreements andWaiver of ExcessIf You intend to travel to:1. Europe (all EU countries plus Iceland,Liechtenstein, Norway and Switzerland);You should obtain a European HealthInsurance Card (EHIC) and take it with Youwhen You travel. This will allow You tobenefit from the reciprocal healtharrangements, which exist with thesecountries.

2. AustraliaYou MUST register with Medicare if Yourequire medical treatment in Australia. Sometreatment charges may be partially refundedby the Medicare scheme. You must make Yourclaim while You are still in the country.If You do not, We may reject Your claim orreduce the amount We pay You.

3. Other countries outside the European EconomicAreaYou may be entitled to free healthcare if Youare travelling to other countries outside theEuropean Economic Area (EEA) provided thatthe country in question has a reciprocalhealthcare arrangement with Your HomeCountry.

If You have a valid Claim for Medical Expensesunder this Policy, which is reduced by Your� using an EHIC; or� taking advantage of a reciprocal healthagreement with Your Home Country; or

� using Your private medical insuranceat the point of treatment, We will NOT deduct theExcess.

SPORTS AND LEISUREACTIVITIES

Sports and Leisure ActivitiesCovered AutomaticallyYou are automatically covered when participatingin any of the sports and activities listed below,during Your Journey, subject to any provisions,limitations or exclusions noted by the relevantsport or activity and provided that:

� You participate on a recreational basis only� You have not been advised by a Doctor

against participating in such sport or activity;� You wear the recommended/recognised safetyequipment and;

� You follow safety procedures, rules andregulations as specified by the activityorganisers/providers; and

� It is not the main focus of, or does not form asignificant proportion of, Your Journey.

ArcheryBeach basketballBeach cricketBeach footballBeach volleyballBody boardingCycling (except cycle touring, cycle racing,BMX and/or mountain biking)Dinghy sailing (non competitive, and on inlandor coastal waters only)Elephant riding (less than 2 days)FishingGolfKeep FitMotorcycling up to 125cc (excluding racing andoff road motor cycling) provided You wear acrash helmet, and hold a full (and notprovisional) motorcycle licence issued in YourHome Country if You are in control of themotorcycle.Pony trekkingRoundersSafari (camera only and professionallyorganised).Sailing (non competitive, and on inland andcoastal waters only)SquashSurfingSwimmingTable tennisWind surfing

Please also refer to General Exclusions andthe relevant exclusions under each section ofthis Policy, which continue to apply. Pleasespecifically note the exclusion under thePersonal Liability Section relating to theownership possession or use of vehicles,aircraft, hovercraft or watercraft firearms andbuildings.

Optional Sports and LeisureActivities ExtensionsIf an Optional Sports and Leisure ActivitiesExtension is shown as covered on Your PolicySchedule the above list is extended to include theappropriate Sports and Leisure Activities subject toany provisions, limitations or exclusions noted bythe relevant sport or activity and provided that:� You participate on a recreational basis only� You have not been advised by a Doctoragainst participating in such sport or activity;

� You wear the recommended/recognised safetyequipment and;

� You follow safety procedures, rules and regulationsas specified by the activity organisers/providers.

Extension 1. TrekCanoeing/Kayaking (inland and coastal watersonly)Cycle touringFell walking*Hill walking*Horse riding (excluding horse racing and horsejumping)Rambling*RowingSnorkellingSwimmingSurfingTrekking*Via Ferrata

*up to 6,500 metres above sea level.

Extension 2. RockAll activities detailed under Extension 1. Trek, and:Abseiling*Big walling*BoulderingDeep water soloingIndoor climbingMountain and Cross country running*Mountain bikingMulti pitch climbing*Orienteering*Soloing*Sport climbingTraditional climbing with leader placed protection*Yachting (inland and coastal waters only)excluding racing.



Extension 3. Alpine & SkiAll activities detailed under Extension 1. Trek,Extension 2 Rock, and:Climbing and mountaineering in alpine glacialand non-glacial areas and peaks* includingScottish winter climbing and ice climbing - exceptascents of new routes in the Greater Ranges orclimbs in remote or inaccessible regions.The term Greater Ranges includes the highmountains of Asia and South America and theMountains of the Arctic and Antarctic.Cycle racingIce skating, dog sledging and tobogganingRaftingScuba diving (to a depth not exceeding 30meters and provided that You are eitheraccompanied by a qualified instructor, or Youare qualified and not diving alone)Most types of skiing activities* including on-piste, off-piste, cross country, dry slope/indoordry slope, touring, downhill, telemark, nordic,heli skiing and ski mountaineering.Snowboarding is not covered unless anadditional premium has been paid andsnowboarding is stated in the Schedule as beingcovered.Trekking above 6,500 metres above sea level,other than in remote or inaccessible areas.


Extension 4. High Altitude & Remote AreaAll activities detailed under Extension 1. Trek,Extension 2 Rock, Extension 3 Alpine & Ski, and:ClimbingMountaineeringCavingPotholinganywhere declared to and agreed by Us.

Please also refer to General Exclusions andthe relevant exclusions under each section ofthis Policy, which continue to apply. Pleasespecifically note the exclusion under thePersonal Liability Section relating to theownership possession or use of vehicles,aircraft, hovercraft or watercraft firearms andbuildings.

Please also note the information regardingPrimary Retrieval and Your responsibilityunder the Local Safety Advice and EmergencyContact Details on Page 4

CLAIMS CONDITIONS(Conditions that apply to the whole Policy)

Making a Claim

In the event that You need to make a claimunder this Policy

� You MUST follow the procedure detailed below� Please note that ACE and/or ACE Assistanceare not responsible for arranging or undertakingPrimary Retrieval

Please refer to Advice For Travellers on Page 4

1. If You are injured or become ill Abroad andneed:A. hospital in patient treatment, specialisttreatment, medical tests, scans or to bebrought back to Your Home Country:

You MUST contact ACE Assistanceimmediately on:

+44 (0) 20 7173 7933If You cannot do this Yourself, You MUSTarrange for a personal representative to dothis for You. If this is not possible becauseYour condition is serious, You or Yourpersonal representative MUST contact ACEAssistance as soon as possible.

If ACE Assistance are not contacted, Wemay reject Your Claim or reduce its payment.

B. medical treatment other than under A. above:You MUST follow the procedure detailedunder condition 3. below. You can makeuse of the services provided by ACEAssistance, as appropriate (these aredetailed on Page 12 of this Policy).

C. medical treatment in Australia:You MUST follow the appropriateprocedure detailed under A or B above.You MUST also register with Medicare.Some treatment charges may be partiallyrefunded by the Medicare scheme and Youmust make Your claim while You are still inthe country).

If You do not, We may reject Your Claim orreduce the amount We pay You.

2. Search and RescueContact the relevant authorities as per theadvice under the Local Safety Advice andEmergency Contact Details on page 4.

3. All other ClaimsYou MUST notify Us immediately by telephone,or in writing within 30 days of becoming awareof anything likely to result in a Claim.

A personal representative can do this for Youif You cannot.BMC Travel Insurance ClaimsMerrion HallStrand HallSandymountDublin4Tel +44 (0) 1293 726434

Reporting Lost, Stolen or DamagedProperty1. Lost or stolen Personal Property, Money,passport or driving licenceYou MUST notify the local police as soon aspossible after discovery and� if lost or stolen from a hotel, You MUSTnotify hotel management; and

� if Money lost or stolen includes traveller’scheques, You MUST notify the local branchor agent of the issuing company; and

� provide Us with a copy of the originalwritten reports.

2. Personal Property lost, stolen or damagedwhilst in the custody of an airline or othercarrier.

You MUST notify the airline or other carrier inwriting within 24 hours of discovery andprovide Us with a copy of the original writtenreports.

Complying with Special ConditionsYou MUST comply with the Special Conditionsdetailed in the relevant Section of this Policy.

Other InsuranceIf there is another insurance Policy in force(whether in Your name or otherwise) at the time ofany incident which results in a Claim under thispolicy which does (or would but for the existenceof this Policy) cover the same loss, damage,expense or liability, We will not pay more thanOur proportionate share of such Claim.

This condition shall not apply to any Claim underSection 7 Personal Accident or Section 9 PersonalLiability.

Supplying Details & DocumentsYou MUST supply at Your own expense anyinformation, evidence and receipts We requireincluding medical certificates signed by a Doctor,police reports and other reports.

Your Duty to Avoid or Minimisea ClaimYou and each Person Insured must take ordinaryand reasonable care to safeguard against loss,damage, Accident, injury or illness as though Youwere not insured. If We believe You or anyPerson Insured have not taken reasonable careof property, the Claim may not be paid. The itemsinsured under this Policy must be maintained ingood condition.

Protecting PropertyYou MUST take all reasonable steps to protect anyitem or property from further loss or damage andto recover any lost or stolen article.

InterestWe will not pay interest on any benefit payableunder this Policy unless payment has beenunreasonably delayed by Us following receipt ofall the required certificates, information andevidence necessary to support the Claim.

Sending Us Legal DocumentsYou MUST send Us any original writ, summons,legal process or other correspondence received inconnection with a Claim immediately it isreceived and without answering it.

Things You MUST NOT DoYou MUST NOT do the following without Ourwritten agreement:1. Admit liabilityadmit liability, or offer or promise to make anypayment; or

2. Dispose of itemssell or otherwise dispose of any item orproperty for which a Claim is being made, orabandon any item or property to Us.


Recognising Our RightsYou and each Person Insured must recogniseOur right to:1. Pay, repair or replacechoose either to pay the amount of a Claim(less any Excess and up to any Policy limit) orrepair, replace or reinstate any item orproperty that is damaged, lost or stolen;

2. Inspect & dispose of itemsinspect and take possession of any item orproperty for which a Claim is being madeand handle any salvage in a reasonablemanner;

3. Handle a Claim in Your nametake over and deal with the defence orsettlement of any Claim in his or her name andkeep any amount recovered;

4. Pay in eurossettle all Claims in euros;

5. Be reimbursed promptlybe reimbursed within 30 days for any costsor expenses that are not insured under thisPolicy, which We pay to You or on Yourbehalf;

6. Receive medical certificatesbe supplied at Your expense with appropriateoriginal medical certificates where requiredbefore paying a Claim.

7. Carry out medical examinationsrequest and carry out a medical examinationand insist on a post-mortem examination, ifthe law allows Us to ask for one, at Ourexpense.

Dishonesty and Fraudulent ClaimsWe will not be liable to pay a Claim and maycancel the Policy immediately in either of thefollowing circumstances1. Dishonestyif a Claim is in any way dishonest; or

2. Fraudif You, any other Person Insured or anyoneacting on Your or their behalf, uses fraudulentmeans to benefit under this Policy.

Paying Claims1. DeathA. If You are 18 years old or over, We willpay the Claim to Your estate and thereceipt given to Us by Your personalrepresentatives shall be a full discharge ofall liability by Us in respect of the Claim.

B. If You are aged under 18 years and

covered under this Policy as the Partner ofa Person Insured, We will pay any Claimfor Accidental death to Your Partner. In allother circumstances We will pay any Claimfor Accidental death to Your Parent orLegal Guardian. Your Partner’s or Parentor Legal Guardian’s receipt shall be a fulldischarge of all liability by Us in respect ofthe Claim.

2. All other ClaimsA If You are 18 years or over, We will paythe Claim to You and Your receipt shall bea full discharge of all liability by Us inrespect of the Claim.

B. If You are aged under 18 years andcovered under this Policy as the Partner ofa Person Insured, We will pay the Claimto Your Partner for Your benefit. In allother circumstances We will pay theappropriate benefit amount to Your Parentor Legal Guardian for Your benefit. YourParent or Legal Guardian’s receipt shallbe a full discharge of all liability by Us inrespect of the Claim.

ACE ASSISTANCEACE Assistance can provide a range ofassistance and medical related services when Youare on a Journey Abroad. Please make sure Youhave details of this Policy, including the Policynumber and Period of Insurance when You call.

To contact ACE Assistance please call:

+44 (0) 20 7173 7933

While ACE Assistance will make every effort tomake sure that advice or assistance is providedpromptly and in good faith it cannot acceptliability for loss or damage of any kind that mayarise or result from the use, or intended use, of theACE Assistance - Medical Assistance andReferral Services / Personal Assistance Services.

1. Medical Assistance and ReferralServices

If You are injured or become ill Abroad YouMUST contact ACE Assistance immediately ifYou need hospital in patient treatment, specialisttreatment, medical tests, scans or to be broughtback to the Republic of Ireland.

If You cannot do this Yourself, You MUSTarrange for a personal representative to do thisfor You. If this is not possible because Yourcondition is serious, You or Your personalrepresentative MUST contact ACE Assistanceas soon as possible.

If ACE Assistance are not contacted, We mayreject Your Claim or reduce its payment.

In all other circumstances You are entitled to usethe services of ACE Assistance detailed below,as appropriate.

ACE Assistance - Medical Assistance andReferral Services can help withA. Payment of bills - if You are admitted tohospital Abroad, the hospital or attendingDoctor(s) will be contacted and payment oftheir fees up to the Policy limits may beguaranteed so that You do not have to makethe payment from Your own funds.

B. Being brought back to Your Home Country -if the Doctor appointed by ACE Assistancebelieves treatment in Your Home Country ispreferable, transfer may be arranged byregular scheduled transport services, or by airor road ambulance services if more urgenttreatment and/or specialist care is requiredduring the Journey.

C. Provision of medical advice –I. if You require emergency consultation ortreatment Abroad, ACE Assistance willprovide the names and addresses of localDoctors, hospitals, clinics and dentists, andits panel of Doctors will provide telephonemedical advice.

II. if necessary ACE Assistance will makearrangements for a Doctor to call, or forYou to be admitted to hospital.

D. Unsupervised Children - if a Child is leftunsupervised on a trip Abroad because Youor Your Partner (if shown as insured on the

Policy Schedule) is hospitalised or incapacitated,ACE Assistance may organise his or her returnHome, including a suitable escort whennecessary.

Please note that whilst You will not be charged foradvice or assistance, You will be responsible forpaying fees and charges for services provided toYou if they are not covered as part of a validClaim under this Policy.

2. Personal Assistance Services� The services under this Section are provided by

ACE Assistance are only available during aJourney Abroad.

� These are non-insured facilitation servicesmaking use of ACE Assistance’s wideexperience and contacts. Any costs incurrede.g. for drug replacements must be reimbursedto ACE Assistance unless they form part of asuccessful Claim under an appropriate Sectionof this Policy.

ACE Assistance - Personal Assistance Servicescan help withA. Transfer of emergency fundsTransfer of emergency funds up to €250 pertrip if access to normal financial/bankingarrangements are not available locally. Inorder to reimburse ACE Assistance You mustauthorise ACE Assistance to debit Your creditor charge card with the amount of the transfer,or make alternative arrangements to depositthe funds in ACE Assistance’s account in theUnited Kingdom. If the emergency transfer isneeded Due To theft or loss of personalmoney, a Claim may be made under thePolicy.

B. Message relayTransmission of urgent messages to relatives orbusiness associates if medical or travelproblems disrupt a Journey travel schedule.

C. Drug replacementAssistance with the following:I. replacement of lost drugs or other essentialmedication, or lost or broken prescriptionglasses or contact lenses, which You cannotget Abroad.

II. sourcing and delivery of compatible bloodsupplies. ACE Assistance will not pay forthe replacement costs of any item or thecosts of sourcing and delivering bloodsupplies.

D. Tracing lost Personal Property


Tracing and re-delivery of Personal Propertythat has been lost or misdirected in transit if thecarrier has failed to resolve the problem.(Please note: You must produce writtenconfirmation of the loss from the carrier, forexample an airline would provide a documentknown as a property irregularity report).

E. Replacement travel documentsAssistance with the replacement of lost or stolentickets and travel documents, and referral tosuitable travel offices. ACE Assistance will notpay for any item.

F. Lost credit, debit, payment, pre-payment andcharge cardsgiving advice on how to contact theappropriate card issuers if credit debit,payment, pre-payment and/or charge cardsare lost or stolen. Data Protection legislationprevents ACE Assistance from contacting thecard issuers directly.

G. Emergency translation facilityA translation service if the local provider of anassistance service does not speak English.

H. Legal helpReferral to a local English-speaking Lawyer,Embassy or Consulate if legal advice is needed,and arrangement of payment of reasonableemergency legal expenses or bail, against aguarantee of repayment.

J. Children at HomeMedical advice and monitoring, until You orYour Partner return Home, if a Child who hasbeen left in Your Home Country becomes illor suffers injury.

GENERAL EXCLUSIONS(Exclusions that apply to the whole Policy)

We will not be liable to make any payment underthis Policy where1. Eligibility

You do not meet the eligibility criteria detailedunder “Persons Covered” on Page 5 of thisPolicy.

2. Children travelling alone under a MultiTrip Policy.You are a Child covered under a Multi Trippolicy travelling or booked to travel without anadult Person Insured named on the PolicySchedule or travelling without being under thesupervision of another adult Insured under aBMC Travel Insurance Policy, who is

responsible for Your care for the length of theJourney.

3. Journeys not coveredYour Journey is described under “JourneysNot Covered”, on Page 6 of this Policy.

4. any Claim is Due To:A. Existing medical conditions orcircumstances.Any medical condition which existed at thetime this Policy was purchased.

B. Change of healtha change of health or where the cost of anyClaim is increased Due To a change ofhealth if the Person Insured has notfollowed the procedure detailed under“Health Declaration and Change of Health”on Page 7 of this Policy.

C. Not taking medication or treatmenta medical condition for which a PersonInsured chose not to take medication orother recommended treatment as prescribedor directed by a Doctor.

D. Tropical disease where not vaccinatedany Claim Due To a tropical disease wherethe Person Insured has not had thevaccinations or taken the medicationrecommended by the World HealthOrganisation or required by the authoritiesin the country being visited, unless they havewritten confirmation from a Doctor that theyshould not be vaccinated or take themedication, on medical grounds.

E. Anxiety, stress, depression, phobia, mentalor nervous disordera Person Insured suffering from anyanxiety state, stress, depression, or anyphobia or mental or nervous disorder, thatwas diagnosed before the Period ofInsurance commenced or Your Journeywas booked (whichever is later).

F. Excluded sports and activitiesYou taking part in any of the following whileon a Journey:I. any sports or activities not specificallycovered under “Sports and LeisureActivities Covered Automatically” orunder any Optional Sports and LeisureActivities Extension for which You havebought cover, as shown on Your PolicySchedule

II. any sports or activities in a professionalcapacity or for financial reward or gain– provided that this exclusion will not

apply to activities covered under the“Professional Extension” if, the PolicySchedule shows that You have boughtthe Professional Extension.

III. competitive winter sportsIV. air travel unless You are travelling as afare paying passenger ina. a fixed wing aircraft which isprovided by a licensed airline or aircharter company; or

b. professionally operated air transport(other than as described under Item a.above), flown by a qualifiedperson, where:i. it is specifically covered as anactivity under “Sports and LeisureActivities Covered Automatically”or under any Optional Sportsand Leisure Activities Extension forwhich You have bought cover, asshown on Your Policy Schedule;or

ii. it is necessary to enable You totravel to an area inaccessible by afixed wing aircraft to engage in anactivity covered under this Policy.

V. business of any description other thanwhere covered under the “ProfessionalExtension”.

G. Currencycurrency exchange.

H. Illegal actsany illegal act by You.

I. Misuse of alcohol/drugsI. Your misuse of alcohol or solvents; oringesting drugs except for drugs whichare properly prescribed; or

II. Your driving a vehicle of any kind whilstthe alcohol level in Your blood exceedsthe legal limit of the country where Youare driving.

J. Suicide/self-injuryI. Your suicide, attempted suicide ordeliberate self-inflicted injury regardlessof the state of Your mental health; or

II. Your needless self-exposure to dangerexcept in an attempt to save human life.

K. RadiationI. ionising radiation or contamination byradioactivity from any nuclear fuel orfrom any nuclear waste resulting from thecombustion of nuclear fuel; or

II. the radioactive, toxic, explosive or otherhazardous properties of any explosive

nuclear assembly or nuclear componentof such assembly.

L. Sonic wavespressure waves from aircraft and otherairborne devices travelling at sonic orsupersonic speeds.

M.WarWar or any act of War whether War isdeclared or not.

5. Loss, damage, injury expense or liability arisesdirectly or indirectly out of or in connection withany event or circumstances which occur whilstYou are travelling within an area where theTravel Advice Unit of the Department of ForeignAffairs (DFA) has advised against ‘all travel’.

COVERSECTION 1. CANCELLATION

What is coveredWe will refund Your unused travel and/oraccommodation costs (and instructor and coursefees, ski hire, ski school and ski lift passes,provided that the appropriate Optional Sports andLeisure Activities Extension is shown as covered onthe Policy Schedule) up to the amount stated in thePolicy Schedule which You have paid or arecontracted to pay and which cannot be recoveredfrom any other source if it becomes necessary tocancel a Journey Due To:

1. You, Your Travelling Companion or someoneYou have arranged to stay with on Journey;A. dying; orB. being seriously injured; orC. suffering sudden illness; orD. suffering from complications in pregnancy(as diagnosed by a Doctor or specialist inobstetrics); or

E. being compulsorily quarantined on theorders of a treating Doctor;

provided that such cancellation is confirmed asmedically necessary by the treating Doctor.

2. You or Your Travelling Companion beinginjured to such an extent that You or they areunable to safely participate in a Sport orActivity for which You or they are coveredunder a BMC Travel insurance Policy under anOptional Sports and Leisure ActivitiesExtension, participating in which was the


primary purpose of the Journey; provided thatsuch cancellation is confirmed as medicallynecessary by the treating Doctor.

3. Your or Your Travelling Companion’sImmediate Family Member or CloseBusiness Colleague;A. dying; orB. being seriously injured; orC. suffering sudden and serious illness; orD. suffering from complications in pregnancy(as diagnosed by a Doctor or specialist inobstetrics)

provided that such cancellation is confirmed asmedically necessary by a Doctor.

4. the compulsory jury service or subpoena of Youor Your Travelling Companion.

5. You or Your Travelling Companion beingmade redundant and registered asunemployed.

6. serious fire storm or flood damage to YourHome or Your Travelling Companion’shome; provided that such damage occurs withinthe 7 days immediately prior to commencementof Your Journey.

7. the police requiring You or Your TravellingCompanion’s presence following a burglary orattempted burglary at Your Home or YourTravelling Companion’s home.

What is not covered1. Any Claim Due ToA. any serious, chronic or recurring medicalcondition diagnosed before Your Journeywas booked (or commencement of thePeriod of Insurance if later), and whichcould result in Your having to cancel YourJourney, affecting Your TravellingCompanion or any other person uponwhom Your Journey depends.

B. jury service or subpoena if You or YourTravelling Companion are called as anexpert witness or where Your or theiroccupation would normally require a Courtattendance;

C. redundancy where You or Your TravellingCompanion:I. were unemployed or knew that You orthey may become unemployed, at thetime the Journey was booked;

II. are voluntarily made redundant or maderedundant as a result of misconduct orfollowing resignation;

III. are self- employed or a contract worker;D. any adverse financial situation causing You

to cancel Your Journey;E. Your or Your Travel Companions decidingthat You do no not want to travel.

2. Any loss, charge or expense Due To:A. a delay in notifying the tour operator, travelagent, or transport or accommodationprovider that it is necessary to cancel abooking;

B. prohibitive regulations by the government ofany country;

3. Any charge or expense paid for with, or settledusing, any kind of promotional voucher orpoints, timeshare, Journey property bond orJourney points scheme, or any Claim formanagement fees, maintenance costs orexchange fees in relation to timeshares orsimilar arrangements.

4. The Excess

SECTION 2. MEDICAL ANDADDITIONAL EXPENSES

Cover under this Section only applies to JourneysAbroad.

What is coveredIf during a Journey Abroad You1. are injured; or2. become ill (including complications inpregnancy as diagnosed by a Doctor orspecialist in obstetrics, provided that if Youare travelling between 28 and 35 weekspregnant You obtained written confirmationfrom a registered medical practitioner of Yourfitness to travel no earlier than 5 days prior tothe commencement of Your JourneyAbroad),We will pay up to the amount stated in thePolicy Schedule for:I. Medical ExpensesAll reasonable costs that it is medicallynecessary to incur outside of Your HomeCountry fora. hospital, ambulance surgical or otherdiagnostic or remedial treatment, givenor prescribed by a Doctor, and includingcharges for staying in a hospital.

b. emergency dental treatment for the reliefof pain only.

c. physiotherapy.II. Emergency Repatriation ExpensesAll reasonable costs that it is medicallynecessary for ACE Assistance to incur to

return You Home; or to move You to themost suitable hospital in Your HomeCountry; if it is medically necessary to do so.

III. Travel ExpensesAll necessary and reasonable accommodation(room only) and travel expenses incurred withthe consent of ACE Assistance, if it ismedically necessary for You to stay Abroadafter Your scheduled date of return to YourHome Country, and including travel costs,back to Your Home Country if You cannotuse Your original return ticket.

IV. Accompanying Traveller ExpensesAll necessary and reasonableaccommodation (room only) and travelexpenses incurred with the consent of ACEAssistance, by any one other person ifrequired on medical advice to accompanyYou or to escort a Child Home.

V. Cremation, Burial, Transportation andRecovery ChargesIf You die Abroada. cremation or burial charges in thecountry in which You die; or

b. transportation charges for returning Yourbody or ashes back to Your HomeCountry,

c recovery of Your body from a knownlocation or where approval for recoveryof Your body has been given by Us andindependent experts appointed throughthe BMC.

VI. Search and Rescue ExpensesIf You are reported as missing Abroad andit becomes necessary for the rescue orpolice authorities to instigate a search andrescue operation where;a. it is known or believed that You mayhave sustained injury or become ill; or

b. weather or safety conditions are suchthat it becomes necessary to do so inorder to prevent You from sustaininginjury or becoming ill;

We will pay the the necessary andreasonable costs incurred by and/or leviedby recognized rescue or police authorities insearching for You and for bringing You to aplace of safety (Please note the informationregarding Primary Retrieval and Yourresponsibility under the Local Safety Adviceand Emergency Contact Details on Page 4).

VII.Replacement Traveller ExpensesIf You are a member of a team and aDoctor confirms that as a direct result ofsuch injury or illness You are unable to

continue with Your Journey, provided thatsuch injury or illness is covered under thissection of the Policy and that it is necessaryfor You to be replaced on the Journey tofulfil the main objective of the Journey, Wewill pay the economy class air fare orstandard class rail fare for a replacementtraveller to travel to the point at which Youare unable to continue Your Journey.

Special Conditions1. If You are injured or become ill You MUSTfollow the procedure detailed under ‘Making aClaim’ on page 10 of this Policy. If You do not,We may reject Your claim or reduce theamount that We pay You.Please note that ACE and/or ACE Assistanceare not responsible for arranging orundertaking Primary Retrieval - Please refer toAdvice For Travellers" on Page 4.

2. ACE Assistance may:A. move You from one hospital to another;and/or

B. return You Home; or move You to the mostsuitable hospital in Your Home Country; atany time, if ACE Assistance believes that itis necessary and safe to do so.

3. Additional travel and hotel expenses must beauthorised in advance by ACE Assistance.

4. All original receipts must be kept and providedto support a Claim.

5. Applicable to Search and Rescue ExpensesA. All reasonable local safety advice has beenobtained and followed (as detailed underAdvice For Travellers on Page 3) andarrangements made for Primary Retrievalbefore contacting ACE Assistance.

B. Expenses are only payable for Yourproportion of the search and rescue operation.

C. Costs will only be covered up to the pointwhere You are recovered by search andrescue or at the time where the search andrescue authorities advise that continuing thesearch is no longer viable.

D. A written statement from the appropriaterescue authorities involved in the searchand/or rescue must be obtained andprovided to Us in the event of a claim.

What is not covered1. Any amount recoverable under a reciprocalhealthcare agreement with Your HomeCountry.

2. Any treatment or surgery or exploratory tests


A. not confirmed as medically necessary; orB. not directly related to the injury or illness that

You were admitted to hospital for3. Surgery, medical or preventative treatmentwhich can be delayed in the opinion of theDoctor treating You until You return to YourHome Country

4. Any costs incurred following Your decision notto move hospital or return to Your HomeCountry after the date when, in the opinion ofACE Assistance, You should do so.

5. Cosmetic surgery6. Treatment or services provided by anyconvalescent or nursing home, rehabilitationcentre or health spa.

7. Any medical treatment that You travelledAbroad to obtain.

8. Medication You are taking before, and whichYou will have to continue taking during, aJourney.

9. Any Medical Expenses incurred in Your HomeCountry.

10.Any additional travel and accommodationexpenses incurred which have not beenauthorised in advance by ACE Assistance.

11.Accommodation and travel expenses where thetransport and/or accommodation used is of astandard superior to that of the Journey.

12.Any additional costs for single or private roomaccommodation.

13.Cremation or burial costs in Your Home Country.14.Any costs for recovering Your body, when thelocation of Your body is not known or whereapproval for recovery of Your body has notbeen given by Us and independent expertsappointed through the BMC.

15.Any amount exceeding the Aggregate Limitstated in the Policy Schedule for Search andRescue expenses incurred in respect of any oneClaim for all Persons Insured.If the aggregate amount of search and rescuecosts exceeds the aggregate limit the amountpayable for each Person Insured shall beproportionately reduced until the total does notexceed such aggregate limit.

16.the Excess, except where You have obtained areduction in the cost of medical expenses inEuropean Union countries by using a EuropeanHealth Insurance Card, reciprocal healthagreemant or private medical insurance.

SECTION 3. TRAVEL DELAY


What is coveredIf You are delayed for at least 12 hours on Youroutbound international Journey from Your HomeCountry or the final part of Your internationalreturn Journey to Your Home Country becausethe scheduled departure of Public Transport isaffected by a strike, industrial action, adverseweather, mechanical breakdown, or grounding ofan aircraft Due To mechanical or structural defect,We will either:1. pay the Travel Delay benefit stated in the PolicySchedule; or

2. if You abandon Your Journey after a delay ofat least 24 hours of the scheduled outboundinternational departure from Your HomeCountry, We will refund Your unused traveland accommodation costs (and instructor andcourse fees, ski hire, ski school and ski liftpasses, provided that the appropriate OptionalSports and Leisure Activities Extension is shownas covered on the Policy Schedule) up to theamount stated in the Policy Schedule that Youhave paid or are contracted to pay and whichcannot be recovered from any other source.

Special Conditions1. You can only Claim under item 1 or item 2above, not both.

2. You MUSTA. check-in before the scheduled departure timeshown on Your travel itinerary; and

B. comply with the travel agent, tour operatorand transport providers contract terms; and

C. provide Us with written details from thePublic Transport operator describing thelength of, and reason for, the delay.

What is not covered1. Any Claim Due ToA. Public Transport being taken out of serviceon the instructions of a Civil AviationAuthority, Port Authority or similar authority;

B. strike or industrial action that could bereasonably expected when the Journey isbooked;

2. Any charge or expense paid for with, or settledusing, any kind of promotional voucher orpoints, timeshare, Journey property bond or

Journey points scheme, or any Claim formanagement fees, maintenance costs orexchange fees in relation to timeshares orsimilar arrangements.

3. The Excess if a Journey is abandoned.

SECTION 4. PERSONAL PROPERTY

What is covered1. Accidental loss or damage or theft.If Personal Property is accidentally lost ordamaged or is stolen during a Journey, Wewill pay Repair and Replacement Costs up tothe amount stated in the Policy Schedule.

2. Temporary LossIf Personal Property is temporarily lost ormisplaced for at least 12 hours on Youroutbound Journey by the airline or othercarrier, We will pay up to the amount stated inthe Policy Schedule to reimburse You for thecost of essential items of clothing medicationand toiletries that You have to purchase.

Special Conditions1. You MUST take reasonable care to keep Your

Personal Property safe. If Your PersonalProperty is lost or stolen You MUST take allreasonable steps to get it back.

2. Valuables MUST be attended by You at alltimes when not contained in a locked safe orsafety deposit box.

3. loss or theft of Personal Property MUST bereported to the police (and the hotelmanagement if the loss or theft occurs in ahotel) as soon as possible after discovery andWe MUST be provided with a copy of theoriginal written police report and report to thehotel management as applicable.

4. loss, theft or damage to Personal Property inthe custody of an airline or other carrier MUSTbe reported in writing to the airline or othercarrier within 24 hours of discovery and WeMUST be provided with a copy of the originalwritten airline or carrier’s report;

5. Where Personal Property is temporarily lost ormisplaced by an airline or other carrier Wemust be provided with original writtenconfirmation from such airline or other carrieror the tour representative that the return of YourPersonal Property to You by the airline orother carrier was delayed for at least 12 hoursafter You arrived at Your destination.

6. We will deduct any amount payable under a

Claim for the purchase of essential items, fromany Claim for loss, damage or theft ofPersonal Property resulting from the samecause or event.

What is not covered1. More than the amount stated in the PolicySchedule for:A. a single item, pair or set, or part of a pair orset;

B. Hired winter sports equipment in total (if theoptional Winter Sports Extension is shownas covered on the Policy Schedule);

C. Valuables in total;2. Loss or theft of Valuables left Unattendedunless contained in a locked safe or safetydeposit box.

3. Loss or theft of any Personal Property (otherthan Valuables) left Unattended unless:A. contained inI. a locked roomII. a locked safe or safety deposit boxIII. the locked glove box or boot of a vehicleor in the luggage space at the rear of alocked estate car or hatchback under atop cover and out of view,

and there is evidence of forced entry;B. in the custody or control of an airline orother carrier

4. Loss, theft or damage to:A. mobile phones, antiques, musicalinstruments, pictures, household goods,contact or corneal lenses, dentures, ordental fittings, business equipment, tools,samples or merchandise, bonds, securitiesor documents of any kind; or

B. sports equipment whilst being used (exceptfor ski, mountaineering, or climbingequipment not otherwise excluded which iscovered if the Schedule shows that You havebought cover under the appropriateOptional Sports and Leisure ActivitiesExtension to engage in such activity); or

C. vehicles or their accessories, watercraft andancillary equipment, glass, china or similarfragile items and pedal cycles;

5. Depreciation in value, normal wear and tear,denting or scratching, damage by moth orvermin, electrical, electronic or mechanicalbreakdown, or damage Due To atmospheric orclimatic conditions.

6. Delay, detention, seizure or confiscation bycustoms or other officials.

7. The Excess.


SECTION 5. LOSS OFPASSPORT/DRIVING LICENCE


What is coveredIf Your passport (or driving licence if taken withYou) is lost destroyed or stolen while You are onJourney Abroad, We will pay up to the amountstated in the Policy Schedule to cover the cost of:1. getting any temporary replacement documentsneeded to enable You to return to Your HomeCountry including any additional travel andaccommodation (room only) costs incurred byYou or on Your behalf during Your Journey toobtain such documents;

2. the replacement passport or driving licence feepayable, provided that it remained valid for atleast 2 years at the date it was lost destroyed orstolen.

Special ConditionsLoss or theft MUST be reported to the police (andthe hotel management if the loss or theft occurs ina hotel) as soon as possible after discovery andWe MUST be provided with a copy of the originalwritten police report and report to the hotelmanagement as applicable.

What is not covered1. Loss or theft of any passport or driving licenceleft Unattended unless contained in a lockedsafe or safety deposit box.

2. Delay, detention, seizure or confiscation bycustoms or other Officials.

SECTION 6. MONEY

What is coveredWe will pay up to the amount stated in the Policyschedule if Money held by You for Your ownpersonal use is lost or stolen during a Journeywhilst:1. being carried by You; or2. left in a safe or safety deposit box.

Special ConditionLoss or theft MUST be reported to the police (andthe hotel management if the loss or theft occurs ina hotel) as soon as possible after discovery andWe MUST be provided with a copy of the originalwritten police report and report to the hotel

management as applicable.

What is not coveredWe will not pay:1. more than the amount stated in the PolicySchedule for cash;

2. for traveller’s cheques:A. unless the loss or theft is reportedimmediately to the local branch or agent ofthe issuing company; or

B. if the issuing company provides areplacement service;

3. delay, detention, seizure or confiscation bycustoms or other officials;

4. for depreciation in value or shortage Due Toany error or omission;

5. the Excess.

SECTION 7. PERSONAL ACCIDENT

What is coveredIf You suffer physical injury caused by an Accidentduring a Journey which within 12 months directlyresults in Your1. death; or2. Loss of Sight; or3. Loss of Limb; or4. Permanent Total Disability;We will pay the appropriate benefit stated in thePolicy Schedule.

Special Conditions1. We will not pay more than one benefit for thesame physical injury.

2. If You were already disabled before theAccident or already had a condition which isgradually getting worse, We may reduce Ourpayment. Any reduced payment will be basedon Our medical assessment of the differencebetween:I. the disability after the Accident; andII. the extent to which the disability is affectedby the disability or condition before theAccident.

What is not covered1. Death, Loss of Sight, Loss of Limb or

Permanent Total Disability Due To disease orany physical defect, injury or illness whichexisted before the Journey.

2. Permanent Total Disablement if You areretired from gainful employment and receivinga pension of any kind.

SECTION 8. CURTAILMENT

What is coveredWe will pay1. unused accommodation costs (and unusedinstructor and course fees, ski hire, ski schooland ski lift passes, provided that theappropriate Optional Sports and LeisureActivities Extension is shown as covered on thePolicy Schedule) which You have paid or arecontracted to pay and which cannot berecovered from any other source;

2. reasonable additional travel andaccommodation (room only) costs necessarilyincurred in Your returning Home

up to the amount shown in the Policy Schedule, if itbecomes necessary to, Curtail a Journey DueTo:A. You, Your Travelling Companion or someone

You have arranged to stay with on Journey:I. dying; orII. being seriously injured; orIII. suffering sudden illness; orIV. suffering from complications in pregnancy(as diagnosed by a Doctor or specialist inobstetrics); or

V. being compulsorily quarantined on theorders of a treating Doctor;

provided that such Curtailment is confirmed asmedically necessary by the treating Doctor.

B. You or Your Travelling Companion beinginjured to such an extent that You or they areunable to safely participate in a Sport or Activityfor which You or they are covered under a BMCTravel insurance Policy under an Optional Sportsand Leisure Activities Extension, participating inwhich was the primary purpose of the Journey;provided that such curtailment is confirmed asmedically necessary by the treating Doctor.

C. Your or Your Travelling Companion’sImmediate Family Member or CloseBusiness Colleague:I. dying; orII. being seriously injured; orIII. suffering sudden and serious illness; orIV. suffering from complications in pregnancy(as diagnosed by a Doctor or specialist inobstetrics)

provided that such Curtailment is confirmed asmedically necessary by the treating Doctor.

D. serious fire storm or flood damage to YourHome or Your Travelling Companion’shome; provided that such damage occurs after

Your Journey commences.E. the police requiring You or Your Travelling

Companion’s presence following a burglary orattempted burglary at Your Home or YourTravelling Companion’s home.

What is not covered1. Any Claim Due ToA. any serious, chronic or recurring medicalcondition diagnosed before Your Journeywas booked (or commencement of thePeriod of Insurance if later), and whichcould result in Your having to cancel YourJourney, affecting Your TravellingCompanion or any other person uponwhom Your Holiday depends;

B. any adverse financial situation causing theCurtailment of a Journey;

C. Your or Your Travelling Companions notwanting to travel or to remain on Journey.

2. Any loss, charge or expense Due To:A. a delay in notifying the tour operator, travelagent, or transport or accommodationprovider that it is necessary to cancelCurtail or rearrange a booking;

B. prohibitive regulations by the government ofany country.

3. Any charge or expense paid for with, or settledusing, any kind of promotional voucher orpoints, timeshare, Journey property bond orJourney points scheme, or any Claim formanagement fees, maintenance costs orexchange fees in relation to timeshares orsimilar arrangements.

4. Accommodation and travel expenses where thetransport and/or accommodation used is of astandard superior to that of the Journey.

5. the Excess.

SECTION 9. PERSONAL LIABILITY

What is coveredWe will indemnify You up to the Limit of Liabilitystated in the Policy Schedule against all sumswhich You are legally liable to pay as damages inrespect of:1. accidental bodily injury (including death illnessor disease) to any person;

2. accidental loss of or damage to materialproperty;

which occurs during the Period of Insurancearising out of the Journey.


The maximum that We will pay under this Sectionfor all damages as a result of any one occurrenceor series of occurrences arising directly orindirectly from one source or original cause shallbe the Limit of Liability stated in the PolicySchedule.

We will in addition pay Costs and Expenses.

Costs and Expenses shall mean:1. all costs and expenses recoverable by anyclaimant from You;

2. all costs and expenses incurred with Ourwritten consent;

3. solicitors’ fees for representation at anycoroner’s inquest or fatal accident inquiry or inany court of summary jurisdiction

in respect of any occurrence to which this Sectionapplies – except that in respect of occurrenceshappening in or claims or legal proceedingsbrought or originating in the United States ofAmerica or Canada or any other territory withinthe jurisdiction of either such country, Costs andExpenses described in 1., 2. and 3. above areincluded in the Limit of Liability for this Section.

Special Conditions1. We may at Our sole discretion in respect ofany occurrence or occurrences covered by thisSection pay to You the Limit of Liabilityapplicable to such occurrence or occurrences(but deducting therefrom any sum(s) alreadypaid) or any lesser sum for which the Claim(s)arising from such occurrence(s) can be settledand We shall thereafter be under no furtherliability in respect of such occurrence(s) exceptfor the payment of Costs and Expenses incurredprior to the date of such payment and for whichWe may be responsible hereunder.

2. If at the time of the happening of anyoccurrence covered by this Section there is anyother existing insurance whether taken out byYou or not covering the same liability We shallnot be liable to indemnify You in respect ofsuch liability except so far as concerns anyexcess beyond the amount which would havebeen payable under such other insurance hadthis Section not been effected.

What is not covered1. Indemnity for any liability:A. in respect of bodily injury to any personwho isI. under a contract of service with You

when such injury arises out of and in thecourse of their employment by You;

II. a member of Your family.B. assumed by You under a contract oragreement unless such liability would haveattached in the absence of such contract oragreement.

C. in respect of loss of or damage to propertyI. belonging to You;II. in Your care custody or control.However this Exclusion shall not apply inrespect of loss of or damage to buildingsand their contents not belonging to buttemporarily occupied by You in the courseof the Journey.

D in respect of bodily injury loss or damagecaused directly or indirectly in connectionwith:I. the carrying on of any trade business orprofession;

II. the ownership, possession or use ofa. horse-drawn or mechanicallypropelled vehicles

b. aircraft, hovercraft or watercraft(other than manually propelledwatercraft);

c. firearms (other than sporting guns).E. arising from the occupation or ownership ofany land or building other than any buildingtemporarily occupied by You in the courseof a Journey.

F. in respect of punitive or exemplarydamages.

2. The Excess.

SECTION 10. OVERSEAS LEGALADVICE & EXPENSES


What is coveredIf during a Journey You sustain bodily injury orillness which is caused by a third party We willpay up to a benefit amount stated in the PolicySchedule to cover Legal Expenses arising out ofAny One Claim.

Special Conditions1. Legal Representatives must be qualified topractise in the Courts of the country where theevent giving rise to the Claim occurred orwhere the proposed defendant under this

Section is resident.2. You have the right to select and appoint aLegal Representative of Your choice torepresent You in any legal inquiry or legalproceedings (provided any appointment of aLegal Representative is not on a contingency feebasis, where the Legal Representative charges aproportion of the amount recovered as a fee).You shall provide Us with details of theselected Legal Representative’s name andaddress. We may provide information aboutLegal Representatives in Your local area ifYou ask Us to do so.

3. You MUST co-operate fully with the LegalRepresentatives and ensure that We are fullyinformed at all times in connection with anyclaim or legal proceedings for damages and orcompensation from a third party. We areentitled to obtain from the LegalRepresentatives any information, document oradvice relating to a Claim or legalproceedings under this Insurance. On requestYou will give to the Legal Representativesany instructions necessary to ensure suchaccess.

4. Our authorisation to incur Legal Expenses willbe given if You can satisfy Us that:A. there are reasonable grounds for pursuingor defending the Claim or legalproceedings and the Legal Expenses willbe proportionate to the value of the Claimor legal proceedings; and

B. it is reasonable for Legal Expenses to beprovided in a particular case. The decisionto grant authorisation will take into accountthe opinion of the Legal Representativesas well as that of Our own advisers. If thereis a dispute, We may request, at Yourexpense, an opinion of a barrister as to themerits of the Claim or legal proceedings. Ifthe Claim is admitted, Your costs inobtaining this opinion will be covered bythis Policy.

5. If there is any dispute, other than in respect ofthe admissibility of a Claim on which Ourdecision is final, the dispute will be referred toa single arbitrator who will be either a solicitoror barrister agreed by all parties, or failingagreement, one who is nominated by thecurrent President of the appropriate LawSociety. The party against whom the decision ismade shall meet the costs of the arbitration infull. If the decision is not clearly made against

either party the arbitrator shall have the powerto apportion costs. If the decision is made inOur favour, Your costs shall not be recoverableunder the Insurance.

6. We may at Our discretion assume control atany time of any Claim or legal proceedings inYour name for damages and or compensationfrom a third party.

7. All Claims within this Section must be submittedto Us in writing within 90 days.

8. Any Legal Expenses incurred without Ourwritten agreement shall entitle Us to withdrawcover immediately and to recover any fees orexpenses paid to You.

9. We may at Our discretion require You toobtain at Your expense an opinion of abarrister agreed by You and Us as to whetheror not there are reasonable grounds forcontinuing to pursue or defend any Claim orlegal proceedings. We will pay such expense ifthe opinion indicates that there are reasonablegrounds for pursuing or defending the Claim orlegal proceedings.

10.We may at Our discretion offer to settle acounter-claim against You which We considerto be reasonable instead of continuing anyClaim or legal proceedings for damagesand/or compensation by a third party.

11.You shall be responsible for the repayment toUs of all sums paid by Us in respect of theLegal Expenses where:A. an award of costs is made in Your favour inthe Claim or legal proceedings; or

B. costs are agreed to be paid to You as partof any settlement of the Claim or legalproceedings.

12.If a conflict of interest arises, where We arealso the insurers of the third party or proposeddefendant to the Claim or legal proceedings,You have the right to select and appoint otherLegal Representatives in accordance withCondition 2 of this Section.

13.If at Your request Legal Representativescease to continue acting for You, We shall beentitled to withdraw cover immediately or agreewith You to appoint other LegalRepresentatives in accordance with the termsof this Insurance.

What is not covered1. Any Claim reported to Us more than 12months after the beginning of the incident whichled to the Claim.


2. Any Claim where it is Our opinion that theprospects for success in achieving a reasonablesettlement are insufficient and/or where thelaws, practices and/or financial regulations ofthe country in which the incident occurredwould preclude the obtaining of a satisfactorysettlement or the costs of doing so would bedisproportionate to the value of the Claim.

3. Legal Expenses incurred before receiving Ourprior authorisation in writing unless such costswould have been incurred subsequent to Ourauthorisation.

4. Legal Expenses incurred in connection withany criminal or wilful act.

5. Legal Expenses incurred in the defenceagainst any civil claim or legal proceedingsmade or brought against You unless as acounter claim;

6. Fines, penalties compensation or damagesimposed by a court or other authority;

7. Legal Expenses incurred for any Claim orlegal proceedings brought against:A. a tour operator, travel agent, carrier, insureror their agents where the subject matter ofthe Claim or legal proceedings is eligiblefor consideration under an ArbitrationScheme or Complaint Procedure;

B. Us or Our agents; orC. Your employer.

8. Actions between Persons Insured or pursuedin order to obtain satisfaction of a judgement orlegally binding decision.

9. Legal Expenses incurred in pursuing anyClaim for compensation (either individually oras a member of a group or class action)against the manufacturer, distributor or supplierof any drug, medication or medicine.

10.Legal Expenses chargeable by the LegalRepresentatives under contingency feearrangements.

11.Legal Expenses incurred where You have:A. failed to co-operate fully with and make surethat We are fully informed at all times inconnection with any Claim or legalproceedings for damages and orcompensation from a third party; or

B. settled or withdrawn a Claim in connectionwith any Claim or legal proceedings fordamages and or compensation from a thirdparty without Our agreement. In suchcircumstances We shall be entitled towithdraw cover immediately and to recoverany fees or expenses paid;

12.Legal Expenses incurred after You have not:A. accepted an offer from a third party tosettle a Claim or legal proceedings wherethe offer is considered reasonable by Us;or

B. accepted an offer from Us to settle a Claim;13.Legal Expenses which We considerunreasonable or excessive or unreasonablyincurred.

SECTION 11. MISSED DEPARTURE


What is coveredWe will pay up to amount stated in the PolicySchedule for necessary and reasonable additionalaccommodation (room only) and travel expenses toenable You to reach:1. Your scheduled destination Abroad if Youarrive too late at Your final point ofinternational departure from Your HomeCountry on Your outbound Journey to boardthe Public Transport on which You are bookedto travel from Your Home Country;

2. Your Home Country if You arrive too late atYour final point of international departure toYour Home Country on Your return Journeyto board the Public Transport on which Youare booked to travel to Your Home Country;

Due To:1. the car You are travelling in breaking down orbeing involved in an accident; or

2. the Public Transport You are travelling infailing to arrive on schedule.

Special ConditionsYou MUST provide Us with1. original written:A. evidence from a motoring organisation orgarage that the car used for travel isroadworthy and properly maintained; or

B. details from the operators of the PublicTransport used for travel of the length of,and reason for, the delay;

2. evidence of all the extra costs incurred.

What is not covered1. Accommodation and travel expenses where thetransport and/or accommodation used is of astandard superior to that of the Journey.

2. Any Claim Due To Your not allowing sufficient

time for the Journey.3. for a missed departure caused by strike orindustrial action that could be reasonablyexpected when the Journey was booked.

4. the Excess.

SECTION 12. HOSPITAL BENEFIT


What is coveredIf You are admitted to hospital as an in-patientduring a Journey Due To injury or illness forwhich You have a valid Claim under the Medicaland Additional Expenses Section of this Policy, Wewill pay the benefit amount stated in the PolicySchedule for each complete 24 hours that Youremain a hospital in-patient, up to the maximumamount stated in the Policy Schedule.

What is not coveredWe will not pay for time You spend in an institutionnot recognised as a hospital in the country oftreatment.

SECTION 13. ADDITIONAL PET CAREFEES

Cover under this Section only applies to HolidaysAbroad.

What is coveredIf You are injured or become ill during a HolidayAbroad, and are:1 delayed from returning to Your Home Countryas a direct result of You being admitted as ahospital in-patient; and/or

2. brought back to a hospital in Your HomeCountry by ACE Assistance and directlyadmitted as an in-patient;

and have a valid Claim for Medical Expensesand/or Emergency Repatriation Expenses underthe Medical And Additional Expenses Section ofthis Policy, We will reimburse any additional PetCare Fees incurred by You or on Your behalf, upto the amount stated in the Policy schedule.

What is not coveredAny Claim Due To Your being admitted as an in-patient in an institution not recognised as a hospitalin the country of treatment.

SECTION 14. CATASTROPHE


What is coveredWe will pay up to the amount stated in the PolicySchedule for reasonable additional travel expensesand the costs of renting similar accommodation(room only) if You cannot live in Your bookedJourney accommodation Abroad because of afire, flood, earthquake, storm, lightning, explosionor hurricane.

Special ConditionsYou Must:1. provide Us with a written statement from anappropriate public authority confirming the reasonand nature of the disaster and how long it lasted;

2. not have known about any event that results ina Claim before leaving Your internationaldeparture point; and

3. provide Us with evidence of all the extra costsincurred.

What is not covered1. Any Claim Due ToA. Your travelling against the advice of theappropriate national or local authority.

B. prohibitive regulations by the government ofany country.

2. Accommodation and travel expenses where thetransport and/or accommodation used is of astandard superior to that of the Journey.

3. Any expenses that:A. You can recover from any tour operator,airline, hotel or other service provider;

B. You would normally have to pay duringYour Journey.

4. The Excess.

SECTION 15. HIJACK

What is coveredIf You are held hostage by Hijackers whilst travellingto or from a Journey, We will pay the amount statedin the Policy Schedule for each full 24 hours You areheld hostage up to the maximum benefit stated in thePolicy Schedule for each Journey.

Special ConditionsYou MUST provide Us with written details from theairline or other transport operators describing thelength of the hijacking.


GENERAL CONDITIONS(Conditions that apply to the whole Policy)

ContractThis Policy, the Policy Schedule and anyinformation provided in Your application will beread together as one contract.

Legal Interpretation and LanguageCurrent legislation allows the parties to thiscontract to choose which law is used to interpretthis Policy. You and We agree that:1. This Policy shall be governed and construed inaccordance with the Irish law and the IrishCourts alone shall have jurisdiction in anydispute.

2. communication of and in connection with thisPolicy shall be in the English language.

Observing Policy Terms & ConditionsWe will not be liable to make any payment underthis Policy if a You or Your personalrepresentative(s) do not observe and fulfil itsTerms, Exclusions and Conditions.

Changing Your Policy1. If You want to change Your PolicyIf You want to change Your Policy or if Yourinsurance needs or any of the information Youhave given Us changes You must telephone(and confirm in writing if We request You to doso), e-mail or write to:British Mountaineering Council,177 - 179 Burton Road,West Didsbury,ManchesterM20 2BBTel: +44 (0)161 445 6111E-mail: [email protected]

We will update the Policy and issue a newPolicy Schedule each time a change is agreed.

2. If We want to Change Your PolicyWe reserve the right to make changes or addto these Policy terms; for legal or regulatoryreasons; and/or to reflect new industryguidance and codes of practice. We will writeto You with details at least 60 days before Wemake any changes. You will then have theoption to continue with, or to cancel the Policy.

Cancelling Your PolicyIf You want to cancel Your Policy1. 14 day cancellation optionIf, for any reason, You are not satisfied withthis Policy, and You have not taken or bookeda Journey protected by the cover provided,You may, within 14 days of Your receipt of fullPolicy documentation, telephone the BMC +44(0)161 445 6111 or email:[email protected] and We will cancel it. Ifthis happens the Policy will have provided nocover and We will refund any premiums Youhave paid.

2. Cancellation after 14 daysIf You want to cancel Your Policy You musttelephone (and confirm in writing if We requestYou to do so) , e-mail or write to the BMC. Wewill cancel it from the date Your instructionsare received or any later date You give Us.We reserve the right to charge You a premiumproportionate to the cover that has been inforce up to the date of Your cancellation, anda reasonable administration charge for anycosts incurred.Contact details are:British Mountaineering Council,177 - 179 Burton Road,West Didsbury,ManchesterM20 2BBTel: +44 (0)161 445 6111E-mail: [email protected]

If We want to cancel Your PolicyIf We no longer wish to offer this Policy and needto cancel Your Policy We will write to You at thecurrent address We have for You. We will thencancel the Policy 30 days after the date of Ourletter. If We cancel the Policy We will refund anypremium You paid for the cancelled periodprovided You have not made a claim under thePolicy during the current Period of Insurance.Any change made to Your Policy will begin on thedate that the Policy Schedule issued to record thechange in cover becomes effective.

Conflicts of interestWe seek to avoid issues caused by any conflicts ofinterest that may arise. Where We become awareof any conflict of interest that might impact uponYou then We will assess the conflict in light of thecircumstances of the matter and work with You toresolve the issue.

The Following Extension Applies Only If ThePolicy Schedule Shows That You Have BoughtCover under the Professional Extension.

PROFESSIONAL EXTENSION

What is coveredCover under all Sections of this Policy, otherthan Section 9 Personal Liability, are extendedto apply whilst You are engaging in climbing,mountaineering, skiing and/or trekkingactivities described under any Optional Sportsand Leisure Activities Extension shown as coveredon Your Policy Schedule, in a professionalcapacity.

The Following Extension Applies Only If ThePolicy Schedule Shows That You Have BoughtOptional Sports and Leisure ActivitiesExtension 3. Alpine & Ski or 4. High Altitude& Remote Area.

WINTER SPORTS EXTENSION

What is coveredWe will pay for:1. Winter sports equipment hire.up to the amount stated in the Policy Schedulefor each full 24 hour period that You need tohire replacement winter sports equipment ifYour winter sports equipment is:A. lost or broken in an accident; orB. lost or misplaced by an airline or othercarrier on the outbound Journey from YourHome Country and delayed for at least12 hours after You arrive at Yourdestination;

2. Unused ski pass ski hire or tuition feesUp to the amount stated in the Policy Schedulefor each full 24 hour period, to cover the valueof Your unused ski pass, ski hire and/or tuitionfees which You cannot recover following;A. Your injury or illness;B. loss or theft of Your ski pass;

3. Lack of snowThe amount stated in the Policy Schedule foreach full 24 hour period that You are unableto ski because there is a lack of snow in thepre-booked resort and no alternative skiingavailable;

Special ConditionThis cover applies only to Journeys to adestination in:A. the Northern Hemisphere between October1st and April 30th the following year (bothdates inclusive) .

B. the Southern Hemisphere between June 1stand October 31st (both dates inclusive).

4. AvalancheUp to the amount stated in the Policy Schedulefor additional and necessary travel andaccommodation costs if Your outbound orreturn Journey is delayed by an avalanche formore than 12 hours from the scheduleddeparture time on Your travel ticket.

Special Conditions1. A.Loss, theft or damage to winter sports

equipment in the custody of an airline orother carrier MUST be reported in writing tothe airline or other carrier within 24 hoursof discovery and We MUST be providedwith a copy of the original written airline orcarrier report;

B. Loss or theft of winter sports equipment inall other circumstances and loss or theft ofYour ski pass, MUST be reported to thepolice (and the hotel management if the lossor theft occurs in a hotel) as soon aspossible after discovery and We MUST beprovided with a copy of the original writtenpolice report and report to the hotelmanagement as applicable;

2. You MUST provide Us with a medicalcertificate issued by a Doctor when submittinga claim for unused ski pass, ski hire hireand/or tuition fees, as a result of Your injuryor illness.

What is not covered1. Delay, detention, seizure or confiscation bycustoms or other officials.

2. Any Claim for benefit under Avalanche coverif We pay a Claim under the Travel Delay orCatastrophe Sections of this Policy for the sameevent.


Stamp Duty on policies“The appropriate stamp duty has been or will bepaid to the Revenue Commissioners in accordancewith the provisions of Section 19 of the FinanceAct 1950 as amended.”

ChargesOther than charges which apply in specificcircumstances under the terms of this Policy, Youwill not have to pay Us any amount other than thepremium due in respect of this Policy for theinsurance coverage provided by this Policy.

Insurance Act 1936All moneys which become or may become dueand payable by ACE under this Policy shall be inaccordance with Section 93 of the Insurance Act1936 be payable and paid in the Republic ofIreland.

Other taxes or costsACE are required to notify You that other taxes orcosts may exist which are not imposed or chargedby Us.

Complaints proceduresWe are dedicated to providing a high qualityservice and want to maintain this at all times. IfYou are not satisfied with this service, pleasecontact the BMC or ACE immediately, quotingYour Policy details, so that Your complaint can bedealt with as soon as possible.

If You have a complaint about the sale of YourPolicy or the Customer Service You have receivedplease contact:British Mountaineering Council,177 - 179 Burton Road,West Didsbury,ManchesterM20 2BB.Tel: +44 (0)161 445 6111E-mail: [email protected]

If You have a complaint in relation to Claimsplease contact:BMC Travel Insurance ClaimsMerrion HallStrand HallSandymountDublin4Tel +44 (0) 1293 726434

The existence of these complaint procedures doesnot reduce a Person Insured’s Statutory Rightsrelating to this Policy. For further information aboutStatutory Rights a Person Insured should contactthe National Consumer Agency.

Financial Services Ombudsman’s BureauACE is a member of the Financial ServicesOmbudsman’s Bureau (FSOB), which may beapproached for assistance in limitedcircumstances if there is still dissatisfaction withACE’s response.The FSOB’s contact details are given below. Aleaflet explaining the procedure is available onrequestLo Call: 1890 882090Tel: 01 662 0899Fax: 01 662 0890Email: [email protected]: www.financialombudsman.ieAddress:Financial Services Ombudsman’s Bureau3rd Floor, Lincoln House,Lincoln Place,Dublin 2

Data Protection StatementPLEASE READ this notice as it explains thepurposes for which We will use the personal andsensitive personal data (information) that We hold.

We accept fully Our responsibility to protect theprivacy of customers and the confidentiality andsecurity of information given to Us.

Where You have provided information aboutanother person in connection with the purchaseand performance of this insurance Policy Youconfirm that they have appointed You to act forthem, that they have consented to the processingof their personal data, including sensitive personaldata and they have consented to the transfer oftheir information Abroad. You also agree toreceive on their behalf any data protection noticesfrom Us.

We will use the information You have providedfor;� handling claims� providing assistance services

The BMC will use the information You haveprovided for:

� administration and customer servicesin connection with this Travel Insurance Policy.

We will use the information You have providedonly for purposes related to Your Policy within theterms of the data protection acts, ‘legal dataprocessing conditions’. The BMC may separatelygive You its own Data Protection Notice orStatement and hold personal data separately fromthat provided by You in connection with thispolicy.

We may transfer Your personal information to acountry located outside of the EEA for thepurposes outlined above. If We transfer Yourinformation outside the EEA We will either obtainYour prior consent or take steps to ensure thatYour privacy rights continue to be protected inaccordance with the requirements of the DataProtection Act.

We may disclose information to Our serviceproviders and agents for these purposes. Theinformation You have provided may also be usedfor the purpose of fraud prevention includingpassing details to other insurers and regulatorybodies.

In the event that a Person Insured makes aninjury or illness related Claim, We may need toobtain further Sensitive Personal information suchas medical history in order to assess the Claim.The Claim form will explain in more detail howthis Sensitive Personal data is handled.

If a Person Insured asks We will provide detailsof the information We hold in accordance with theapplicable law.

Any information which is found to be incorrect willbe corrected promptly. We may monitor and/orrecord Your communication with Us eitherOurselves or by reputable organisations selectedby Us, to ensure consistent servicing levels andaccount operation. We will keep informationabout Persons Insured only for so long as it isappropriate.

Our contact details are:ACE Customer ServiceACE Travel InsurancePO BOX 1018Ashdown House

125 High StreetCrawleyWest SussexRH10 1DQTel: +44 (0) 1293 726225E-mail: [email protected]

Insurance Compensation FundPlease note that in the event of Us being unable topay a claim, You may be entitled to compensationfrom the Insurance Compensation Fund in Ireland.

GENERAL DEFINITIONSThe words and phrases below have the followingmeanings wherever they appear in bold type andstarting with a capital letter in this PolicyDocument and the Policy Schedule:

AbroadOutside Your Home Country

AccidentA sudden identifiable violent external event thathappens by chance and which could not beexpected; or unavoidable exposure to severeweather conditions.

ACEACE European Group Limited.

ACE AssistanceThe Medical Assistance and Referral Services andPersonal Assistance services arranged by ACE.

Any One ClaimAll claims or legal proceedings including anyappeal against judgment consequent upon thesame original cause, event or circumstance.

BMCThe British Mountaineering Council.

Child, ChildrenYour offspring and the offspring of Your Partner,extending to include a step child or children andfostered or adopted child or children, each ofwhom must normally live with You, be:1. under 18 years old on the date You purchasecover; and

2. dependent on You or Your Partner and3. not be married or living with a Partner.

28 FOR GENERAL DEFINITIONS GO TO PAGES 29 TO 32 29

Claim, ClaimsSingle loss or a series of losses Due To one causecovered by this Policy

Close Business ColleagueSomeone who You work with in Your HomeCountry and who has to be in work in order forYou to be able to go on or continue a Journey.

Curtail, Curtailed, CurtailmentCut short/cutting short Your Journey

DoctorA doctor or specialist, registered or licensed topractise medicine under the laws of the country inwhich they practise who is neither:1. a Person Insured; or2. a relative of the Person Insured making the

Claimunless approved by Us.

Due ToDirectly or indirectly caused by, arising orresulting from, in connection with.

EuropeThe United Kingdom, Andorra, Austria, Belarus,Belgium, Bosnia- Herzegovina, Bulgaria, CanaryIslands, Channel Islands Croatia, Czech Republic,Denmark, Eire, Estonia, Finland, France,Germany, Greece, Hungary, Iceland, Isle of Man,Italy, Latvia, Liechtenstein, Lithuania, Luxembourg,Macedonia, Madeira, Mediterranean Islands(including Majorca, Menorca, Ibiza; Corsica;Sardinia; Sicily; Malta, Gozo; Crete, Rhodes andother Greek Islands; Northern and SouthernCyprus), Moldova, Monaco, Morocco,Netherlands, Norway, Poland, Portugal, Romania,Russian Federation (West of Urals), Serbia andMontenegro, Slovakia, Slovenia, Spain, Sweden,Switzerland, Tunisia, Turkey, and the Ukraine(Albania, although in Europe, is excluded fromOur definition. If You wish to visit Albania or arelikely to travel outside the countries specified Youneed to buy cover for travel Worldwide orWorldwide excluding the USA, Canada, theCaribbean and the Polar Regions, asappropriate).

ExcessThe first amount stated in the Policy Schedule ofany Claim which each Person Insured must pay.

GPA general physician registered or licensed topractise medicine, who is neither:1. a Person Insured; or2. a relative of the Person Insuredunless approved by Us.

HijackThe unlawful seizure or taking control of anaircraft or other means of transport in which aPerson Insured is travelling as a passenger

HijackersThe perpetrators of a Hijack.

HomeThe address where You live in Your HomeCountry.

Home CountryThe Republic of Ireland.

Immediate Family MemberYour Partner or fiancé(e) or the grandchild,Child, brother, sister, parent, grandparent,grandchild, step-brother, stepsister, step-parent,parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, aunt, uncle, nephew, niece, ofYou or Your Partner, or anyone noted as next ofkin on any legal document, all of whom must beresident in Your Home Country, and notPersons Insured.

Journey, JourneysTrip(s) beginning and ending in Your HomeCountry that are devoted entirely to pleasure,rest, or relaxation, or to take part in sports orleisure activities for which You have purchasedcover under one of the Optional Sports andLeisure Activities Extensions.

Legal Expenses1. fees, expenses, costs/expenses of expertwitnesses and other disbursements reasonablyincurred by the Legal Representatives inpursuing a Claim or legal proceedings fordamages and/or compensation against a thirdparty who has caused You accidental bodilyinjury or illness or in appealing or resisting anappeal against the judgment of a Court,tribunal or arbitrator.

2. costs for which You are legally liable followingan award of costs by any court or tribunal or

an out of Court settlement made in connectionwith any Claim or legal proceedings.

Legal RepresentativesThe solicitor, firm of solicitors, lawyer, advocate orother appropriately qualified person firm orcompany appointed to act on Your behalf.

Loss of LimbAmputation or total and permanent loss of use ofone or more hands at or above the wrist or of oneor more feet above the ankle (talo-tibial joint).

Loss of SightLoss of sight shall be deemed to have occurred:1. in both eyes when Your name has been addedto the NCBI register of Blind Persons on theauthority of a qualified ophthalmic specialist; or

2. in one eye when the degree of sight remainingafter correction is 3/60 or less on the SnellenScale (which means You are only able to see at3 feet that which You should normally be ableto see at 60 feet) and We are satisfied that thecondition is permanent and without expectationof recovery.

Maximum Duration Any One Journey AbroadThe maximum continuous duration of any singleJourney Abroad (regardless of whether it occurswithin one, or more than one Period ofInsurance).

MCofSMountaineering Council of Scotland.

MIMountaineering Ireland.

MoneyCoins, banknotes, traveller’s cheques, postal ormoney orders, travel tickets, pre-paid vouchers,non-refundable pre paid entry tickets and debit,credit, payment, pre-payment and/or chargecards.

Parent or Legal GuardianA person with parental responsibility, or a legalguardian, both being in accordance with the lawof Ireland.

Partner1. Your spouse.2. Your civil partner registered pursuant to the

Civil Partnership and Certain Rights andObligations of Cohabitants Act 2010; or

3. Your cohabiting partner (as defined in the CivilPartnership and Certain Rights and Obligationsof Cohabitants Act 2010) i.e. an adult of thesame or opposite sex who has lived with You inan intimate relationship for five years, or fortwo years where there is a child or children ofthe relationship.

4. someone of either sex with whom you havebeen living for at least three months as thoughthey were your spouse or civil partner.

Period of Insurance� Multi Trip: Period of cover between andinclusive of the dates shown as Effective From:and To: on the Policy Schedule commencing at00.01 or any later time the Policy Schedule isissued on the earlier date shown and finishingat 24.00 on the later date shown.

� Single Trip: Period of cover commencing at00.01 or any later time the Policy Schedule isissued and ending either when You arriveHome or at the end of the trip duration shownon Your Policy Schedule, whichever is sooner.

Permanent Total DisabilityA disability which has lasted for at least 12 monthsfrom which We believe You will never recover andwhich prevents You from carrying out any gainfuloccupation for which You are fitted by way oftraining, education or experience.

Personal Property1. Any suitcase, trunk, rucksack or container of asimilar kind and its contents;

2. Valuables;3. any other article worn or carried by You;that is not otherwise excluded and which is eitherowned by You or for which You are legallyresponsible.

Person Insured, Persons InsuredYou, and Your Partner and Children if they areshown as insured on the Policy Schedule.

Primary RetrievalSearch and rescue or mountain rescue i.e.retrievalor recovery of the Person Insured frommountains, remote areas or other similar locationswhere an injury, illness or incapacity arises whilstengaged in sports or leisure activities coveredunder this Policy, to a medical facility that can

30 31

carry out clinical investigations, diagnoses andprognoses including x-rays, scans and blood tests,within reasonable proximity of a suitable roadnetwork, port, airport, helicopter landing pad orairstrip and from which a medical evacuation canbe carried out if necessary.

Public TransportAny air, land or water vehicle operated underlicence for the transportation of fare-payingpassengers.

Repair and Replacement CostsThe cost of repairing partially damaged property,or, if property is totally lost or destroyed oruneconomical or unsafe to repair, the cost ofreplacing property as new less a deduction forwear, tear or depreciation. (Note: We will pay areasonable proportion of the total value of a set orpair to repair or replace an item that is part of aset or pair).

Republic of IrelandThe Island of Ireland and its Islands, exceptNorthern Ireland.

Total Number of Days AbroadThe total number of days spent Abroad by aPerson Insured during any one Period ofInsurance.

Travelling CompanionsSomeone You have arranged to go on Journeywith and who it would be unreasonable to expectYou to travel or continue Your Journey without.

UnattendedWhere You are not in full view of or in a positionto prevent unauthorised taking or interference withYour Personal Property or vehicle.

ValuablesCameras and other photographic equipment,telescopes and binoculars, Audio/Videoequipment (including radios, cassette/compactdisc players, ipods, mp3 and mp4 players,camcorders, DVD, video, televisions, and othersimilar audio and video equipment), satellitenavigation equipment, computers and computerequipment (including PDAs, personal organisers,laptops, notebooks, netbooks and the like),computer games equipment (including consoles,games and peripherals) jewellery, watches, furs,

precious and semi-precious stones and articlesmade of or containing gold, silver or otherprecious metals.

WarArmed conflict between nations, invasion, act offoreign enemy, hostilities (whether war declared ornot), civil war, rebellion, revolution, insurrection ormilitary or usurped power.

We/Us/Our/OurselvesACE.

You; Your; YourselfThe Person Insured shown in the PolicySchedule.

32 33

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AMS1

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CIREPW

07/11

ACE European Group LimitedRegistered in England and WalesNo. 1112892Head Office:ACE Building100 Leadenhall StreetLondon EC3A 3BPwww.aceeurope.com

This policy is underwritten byACE European Group Limited.

ACE European Group Limited is partof the ACE group of companies.

ACE European Group Limited’sconduct of insurance business inIreland is regulated by the CentralBank of Ireland. ACE EuropeanGroup Limited is authorised andregulated by the Financial ServicesAuthority in the United Kingdom.FRN 202803.

Full details can be found on theFSA’s Register by visitingwww.fsa.gov.uk/register/home.door by contacting the FSA on+44 (0)845 606 1234.