General exclusions

We will not cover the following:

1. Any claim arising from or resulting from, a trip that you take, if:
   1. the claim relates to a medical condition, injury or symptom of which you are aware or which has required treatment, medical consultation or investigation or prescribed medication, affecting you at any time during the twelve months prior to commencement of cover, unless the condition was declared to us and we accepted the condition in writing by the way of a medical reference number please contact Your Insurance/Agent that this Insurance meets Your needs;
   2. you are travelling against medical advice;
   3. you are travelling to receive medical advice or treatment;
   4. you are on a list awaiting hospital treatment; or
   5. you have been given a terminal diagnosis; or
   6. your claim relates to pregnancy or childbirth where the pregnancy would have been more than 28 weeks at the start of or during the trip or 24 weeks in the case of a multiple pregnancy.
2. Any claim arising from or resulting from a medical condition, or illness related to a medical condition that you knew about or should have known about of any person you were depending on for the trip .
3. Any claim arising out of war, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power.
4. Any claim arising out of the intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act.
5. Any claim arising out of any Terrorist Act.
6. Loss or damage, directly or indirectly caused by any government, public or local authority legally taking or damaging your property.
7. Any claim arising from or as a result of civil commotion, strike, lock-out, blockades, riots of any kind, actions of any government of any country or threat of such event.
8. Loss, or damage to any property, or any loss, expense or liability arising from:
   1. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the burning of nuclear fuel; or
   2. the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of it.
9. If at the time of loss, damage or liability arising under this insurance there is any other insurance covering the same loss, damage or liability. We will only pay our proportion.
10. Loss, destruction or damage directly caused by pressure waves resulting from any aircraft or other flying object travelling at or above the speed of sound.
11. Any claim arising from you being in, or entering, or leaving any aircraft other than as a fare-paying passenger in a fully-licensed passenger-carrying aircraft.
12. Any claim arising from using a two-wheeled motor vehicle exceeding 125 cc, and/or where a crash helmet is not worn, or you do not hold an appropriate United Kingdom licence.
13. Any other loss connected to the event you are claiming for unless we provide cover under this insurance.
14. Any claim arising directly or indirectly from financial problems.
15. Any claim resulting from the tour operator, airline or any other company, firm or person becoming insolvent, or being unable or unwilling to fulfil any part of their obligation.
16. Any claim arising or resulting from you being involved in any illegal or criminal act.
17. Racing of any kind (except on foot).
18. Winter sports (unless we provide cover as shown on your Certificate Validation Document or if you have arranged Annual Multi-Trip cover).
19. Any claim arising or resulting from services or inter-services championships, or heats, or officially-organised practice, or training for these events, ski-jumping, ice hockey, or using skeletons or bobsleighs, snow mobile, luging, canoeing, mountaineering or pot holing or any equipment used for these events.
20. Any claim arising or resulting from (i) suicide or attempted suicide, or (ii) depression, anxiety, mental strain, psychotic mental illness, depressive illness of any type, or (iii) injuring yourself deliberately or putting yourself in danger (unless you are trying to save a human life).
21. Any claim resulting from you being under the influence of or in connection with the use of alcohol or drugs.
22. A trip involving your manual work or hazardous occupation of any kind (unless agreed by us in writing).
23. Any loss where you are not able to provide claims evidence as requested by us.
24. For any expenses that you would normally incur regarding your trip .
25. Claims arising from any person(s) who have reached the age of 76 at the date of departure, if they have purchased a Single Trip policy, or 66 if they have purchased an Annual-Multi Trip policy.

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