General conditions

The following conditions apply to this insurance.

1. You must be permanently resident in the United Kingdom and have not spent more than six months abroad during the year immediately before you bought or renewed this certificate.
2. You must tell your Insurance Broker / Agent if you know about anything that may affect their decision to accept your insurance (for example, dangerous activities or a health condition). If you are not sure whether to tell your Insurance Broker / Agent, tell them anyway.
3. You must keep to all the terms, conditions and endorsements of this insurance. If you do not, we may not pay your claim or any part of your claim.
4. You must take all reasonable steps to avoid or reduce any loss that may mean that you have to make a claim under this insurance.
5. You must give us all the documents we need to deal with any claim. You will be responsible for any costs involved in doing this.
6. We will not pay for any loss or damage caused as a result of you not acting in a reasonable way to look after your property.
7. You must take all reasonable steps to get back any lost or stolen articles and you must help the authorities in their efforts to catch and prosecute any guilty people.
8. You must help us get back any money that we have paid from anyone or from other insurers (including the Department of Social Security) by giving us all the details we need and by filling in any forms that we require.
9. If you try to make a fraudulent claim or use any fraudulent means in trying to make a claim we will not cover your claim or any part of your claim.
10. You must keep any articles that are damaged and send them to Claims Settlement Agencies if they ask. You must pay any costs involved in doing this.
11. You must agree to have a medical examination if required by us. If you die, we are entitled to have a post mortem examination. You or your legal representatives are responsible for any costs resulting from these examinations.
12. You must pay us back, within one month of asking, any amounts that we have paid to you which are not covered by this insurance.
13. You must obtain prior authorisation from us if you have to return to the United Kingdom under Section A (Cutting short your trip ) or C (Medical and other expenses). If you do not, we may reduce the amount we pay for your return to the United Kingdom or we may not provide cover.
14. When engaging in any sport or activity which is covered by this policy, you must undertake the supervision and tuition of experts qualified in the sport or activity in question. You must take all appropriate precautions and wear all appropriate safety equipment.

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