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Annual Multi-Trip insurance policy

This type of travel insurance policy covers you for any number of trips during the 12-month period of the insurance policy.

Baggage cover

Your travel insurance includes this cover, which covers your personal belongings such as clothing, suitcases, valuables and jewellery. Your home contents insurance may already cover your personal belongings whilst you are travelling.

Cancellation and curtailment

This covers you for unused travel and accommodation if you have to cancel or cut short your holiday because of events beyond your control, for example, if you fall ill and you are unable to travel, or the death of a close relative. However, each insurer has slightly different criteria and we recommend you consult the travel insurance policy documents.

Excess

The amount that you have to pay towards each and every travel insurance claim that you make.

Geographical areas

For the purposes of our travel insurance products:

• Europe - means Europe, Republic of Ireland, Madeira, the Canary Islands, Syria, Turkey, Tunisia, Egypt, Israel and all countries bordering the Mediterranean Sea
• United Kingdom - means England, Wales, Scotland, Northern Ireland, the Isle of Man and the Channel Islands.

If you are travelling outside any of the above areas, you should select Worldwide cover.

Piste closure

Insurance cover is provided in the event of a lack of snow or conditions which result in the total closure of skiing facilities at the resort to which you have booked to travel.

Pre-existing disability or medical condition

This means any disability or medical condition which any of the insured persons is currently suffering from or has suffered from in the past, including but not limited to a condition:

• for which the person is on a waiting list for hospital in-patient treatment
• referred to a waiting list for hospital in-patient treatment
• referred to a medical specialist or receiving treatment as an in-patient
• for which a terminal prognosis has been provided by a medical practitioner.

Scuba diving

Your travel insurance includes this cover up to 30 metres as standard (increased to 40 metres if you hold a recognised diving qualification which shows you are competent to make the dive).

Single-Trip insurance policy

This type of travel policy covers you for a single journey between the dates you specify.

Winter sports

This is an optional extension to your travel insurance and will cover events such as loss of ski equipment and ski passes, piste closure, ski hire/lessons.