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COLUMBUS WORDING.QXD:COLUMBUS WORDING19/8/0809:10Page 4DEFINITIONS APPLICABLE TO THE WHOLE POLICYCont.a)Single Trip policies: Section 1, Cancellation cover is effective from the time and date of issue of theinsurance schedule and terminates on commencement of the planned trip. For all other sections, covercommences when you leave your home or business (whichever is the later) to commence the trip andterminates on whichever occurs first of the following:1. the expiry of the period of cover;2. your return home as planned, at the end of the trip;3. your first return home prior to the planned return at the end of the trip (except in the case ofBackpacker policies, where if you return to the UK within the planned trip dates, cover will besuspended from the time you arrive in the UK and will only resume once you leave immigration controlin the country of your next ticketed destination).b) Annual Multi-trip policies: Section 1, Cancellation cover for each trip is effective from either the start dateon the insurance schedule or the time and date at which each trip is booked (whichever is the later), andterminates on whichever occurs first of the following:1. the commencement of each trip, or2. the expiry of the period of cover.For all other sections, cover commences when you leave your home or business (whichever is the later) tocommence each trip and terminates on whichever occurs first of the following:1. the expiry of the period of cover;2. your return home as planned, at the end of each trip;3. your first return to your country of residence prior to the planned return at the end of each trip;4. your period of travel exceeding the trip limit specified in your insurance schedule.For UK trips: you must have pre-booked accommodation for 2 nights or more.c)One-way trips only: the period of insurance will cease upon whichever occurs first of the following:1. the expiry of the period of cover, or2. when you first leave immigration control in the country of your final ticketed and declared destination.Personal Baggage: Your suitcases (or similar luggage carriers) and contents usually taken on a trip, together witharticles worn or carried by you for your individual use during your trip. (Not including any specialised items,medical or otherwise).Pre-booked Accommodation: A hotel, hostel, bed and breakfast, rented holiday home, camping or caravan site,for which an invoice, bill, receipt or voucher can be produced.Public Transport: The following regular scheduled forms of transport: train, coach, taxi, bus, aircraft and seavessel, on which you are a fare paying passenger.Replacement Business Colleague: A person working for the same company and in the same office as you andnominated in order to continue the proper functioning of your trip.Terrorism: Any act of any person(s) acting on behalf of or in connection with any organisation whose activities aredirected towards the overthrowing, influencing or disruption of any government and/or to put the public, or anysection of the public, in fear de jure de facto by use of force or violence and/or the threat of such use.Travelling Companion: The person with whom you have booked to travel on the planned trip. In the case of atour, travelling companion shall mean the person(s) shown on your booking form.Valuables: Jewellery, watches, cameras, photographic apparatus, binoculars, video equipment, mobile telephonesand any audio or audiovisual equipment including (but not limited to): tape recorders, cassettes and players,radios, compact discs and players, minidiscs and players, portable media players, computers and accessories,video games and TV sets, prescribed medication.Winter Sports: On and off-piste skiing, blading and snowboarding, tobogganing and outdoor ice skating.Winter Sports Equipment: Skis, bindings, ski boots, ski poles, snowboards and specialised clothing.GENERAL CONDITIONSA.INDEPENDENT TRAVELEach person named on the insurance schedule is insured separately.TERRITORIAL DEFINITIONSYou are covered for travel within the geographical region defined on your insurance schedule.C. POLICY EXCESSThe policy excess will be deducted in the event of a claim under certain sections of the policy. The excesswill be charged per insured person for each incident that results in a claim. If a claim for an incident fallsunder more than one section of the policy, only the highest excess will be applied.D. SPORTS AND ACTIVITIESYou are covered to participate in the following sports and activities (provided you are not participating on aprofessional basis):angling, archery*, athletics*(not including marathon running), badminton, banana boating, baseball*,basketball, billiards, body boarding, bowling, boxing training (no contact), camel riding*, canoeing, catamaransailing**, clay pigeon shooting, climbing (climbing wall), cricket*, croquet, curling, cycling (non-touring)*,dancing, darts, dinghy racing, dinghy sailing, elephant ride, fell walking, flag american football, football, golf,gymnastics, helicopter ride (passenger), hiking, horse drawn sleigh, horse riding, horse trekking, hot airballooning (passenger), jet skiing*, kite surfing (on a lake)*, light aircraft rides (passenger), martial artstraining, motorcycling under 125cc* (as a means of transport only), netball, orienteering, paint balling*, ponytrekking, pool, rambling, rifle range*, ringos, rounders, rugby league*, rugby union*, sailing** (in-shore &off-shore), scuba diving (max. 30m), sledging, snooker, snorkelling, snow-shoeing, soccer, softball,3B.

COLUMBUS WORDING.QXD:COLUMBUS WORDING19/8/0809:10Page 5squash*, surfing*, swimming, swimming with dolphins, table tennis, tennis, ten-pin bowling*, tobogganing(winter), touch football, trampolining, trekking, tubing, tug-o-war, volleyball, wake boarding, walking, walkingup Sydney Harbour Bridge, water polo, water skiing, wheelchair basketball, windsurfing (on a lake)*.*no Personal Liability cover** no Personal Liability / offshore rescue coverYou are NOT covered for any other Sports and Activities, unless declared to and agreed by us on your insuranceschedule and an additional premium paid if required.E. WORKING OVERSEASYou are not covered for manual work overseas unless specified on your insurance schedule. In any event, nocover is provided for Section 12, Personal Liability whilst working overseas.F.DISCLOSURE OF MATERIAL FACTSIt is a condition of this insurance that all material facts have been disclosed to us. Failure to do so mayinvalidate this insurance. A material fact is any fact, medical or otherwise, which poses an increase in risk tous and is likely to influence us in the assessment, acceptance or continuance of your insurance.G. APPLICABLE LAWBoth we and you are entitled to choose the law applicable to the insurance policy. We propose English Lawand in the absence of any agreement to the contrary, English Law will apply.H. RENEWAL OF ANNUAL POLICIESRenewal of the insurance policy shall be at our sole option and discretion.MEDICAL CONDITIONSWe will not pay for any claim arising directly or indirectly as a result of a medical condition (see DefinitionsApplicable to the Whole Policy) suffered by you, unless declared to us, agreed by us on your insurance scheduleand additional premium paid if required.You must notify us immediately you become aware of any change regarding your health. We will not payadditional costs incurred following any change in medical condition, unless this has been declared to andaccepted by us in writing. (This means that if you make further payments e.g. book another trip or pay the finalbalance of a trip previously booked, or if there is an increase in the cancellation charges due to you not contactingus immediately, we are not liable for these additional costs).We will notify you in writing of any amendments to your policy conditions and advise you of any additionalpremium that may be required. In certain cases we may be unable to offer cover. We reserve the right not toextend this insurance. We cannot extend cover for claims relating to your travelling companion, an immediaterelative or close business associate or a person with whom you have arranged to stay. Please refer to Section 1,Cancellation and Section 2, Curtailment for full terms and conditions.EXCLUSIONS APPLICABLE TO THE WHOLE POLICYYou are not covered for anything caused as a consequence of the following unless an endorsement has beenissued by .20.any medical condition of you or anyone upon whom the trip depends;any claim which arises directly or indirectly from depression, stress, anxiety or mental disorder;suicide, attempted suicide, self inflicted injury, alcohol or drug abuse, alcoholism, drug addiction, solventabuse, wilful exposure to exceptional risk (unless you are trying to save someone’s life);sexually transmitted diseases;HIV or a related illness including AIDS and/or any mutant derivative thereof, however caused;the crewing of a vessel or taking part in expeditions;manual work of any kind;travelling on motorcycles over 125cc;professional or organised sports (except those listed under General Conditions D), winter sports, racing,speed or endurance tests or dangerous pursuits;sports and activities not described in General Conditions D, or declared to and agreed by us and anadditional premium paid if required;bankruptcy/liquidation of a tour operator, travel agent or transport company;consequential loss of any kind (e.g. loss of earnings);any costs incurred on behalf of other party members who are not specified on the insurance schedule;any costs recoverable from another source;any payment which you would normally have made during your travels, if no claim had arisen;travelling to a specific area against the advice issued by the Foreign and Commonwealth Office;failure to comply with laws applicable to the country in which you are travelling;air travel (other than as a fare-paying passenger on a regular scheduled airline or licensed charter aircraft);a. ionising radiation or radioactive contamination from nuclear fuel or nuclear waste or any risk fromnuclear equipment;b. the radioactive toxic explosive or other hazardous properties of any explosive nuclearassembly or nuclear component thereof;any consequence whether direct or indirect of war, invasion, act of foreign enemy, hostilities (whether warbe declared or not), any acts of terrorism*, civil war, rebellion, revolution, insurrection, blockade,military or usurped power;4

COLUMBUS WORDING.QXD:COLUMBUS WORDING19/8/0809:10Page 621. any criminal or illegal act committed by you or your travelling companion;22. any loss which has not been conclusively proven and the amount claimed substantiated;23. any claim covered by an employer’s insurance for the benefit of an employee.* Terrorism is covered under Section 3: Emergency Medical Expenses/Repatriation, Section 4: Additional HospitalBenefit and Section 6: Personal Accident, but not as the sole result of nuclear, chemical or biological weaponsof mass destruction however these may be distributed or combined.SECTION 1 - CANCELLATIONCoveredYou are covered up to the amount specified on your policy schedule for travel and pre-booked accommodationcancellation costs relating only to those people specified on the insurance schedule. (If travel arrangements werepaid for by Air Miles or by any other form of redeemable vouchers, reimbursement will be the reinstatement of theAir Miles or redeemable vouchers to their original account. If reinstatement is not possible, we will reimburse thelowest advertised fare by the airline for the flight in question). Cancellation must be necessary and unavoidableand not as a result of disinclination to undertake your planned trip. Cover is only provided due to a cause listedbelow occurring during the period of insurance:1.2.3.4.5.6.7.8.accidental injury, serious illness, death or being subject to quarantine of you, any person with whom you areintending to travel or stay, an immediate relative of yours or of any person with whom you intend to travelor a close business associate of yours;you or your travelling companion discovering that you/they are pregnant after the date of issue of this policy orthe date the trip was booked (whichever was later), if the booked return date is within 12 weeks (16 weeks for amultiple birth) of the expected date of delivery, or if complications with the pregnancy occur prior to the last 12weeks (16 weeks for a multiple birth), provided there have been no complications with any previous pregnancy;you being called for jury service, attending court as a witness (but not as an expert witness or where youremployment would normally require you to attend court);you or any person with whom you have arranged to travel being made redundant where you/they have beenemployed for two continuous years with the same employer at the time of being made redundant and areunder the normal retirement age for someone holding that position;your home or place of business being made uninhabitable, within 14 days prior to the date of travel, or thepolice asking to see you after a theft from your home which occurred within 14 days of travel;your posting overseas or emergency and unavoidable duty if you are a member of the medical or nursingprofessions, police, fire or ambulance services;prevention of travel by British Government restriction;abandonment of your trip as a result of more than 24 hours travel delay on your outward flight, sea crossing,coach or train departure from your country of residence (see Section 5, Travel Delay and Abandonment).Replacement Business Colleague: Provided cancellation is due to a cause listed above and the sole purpose ofthe trip was for carrying out your business, you are covered up to the amount specified on your policy schedulefor the cost of a replacement business colleague.Not Covered1.2.3.4.5.6.7.8.9.the policy excess of 50 (except for deposit only claims where the excess is 20 per insured);medically related claims where a certificate has not been obtained from a medical practitioner, confirmingthat cancellation of the trip is necessary on medical grounds;any claim arising directly or indirectly as a result of a medical condition (see Definitions Applicable to theWhole Policy) suffered by you, unless declared to us, agreed by us on your insurance schedule andadditional premium paid if required;medically related claims as a result of your travelling companion, an immediate relative or close businessassociate of you or the person with whom you have arranged to stay on the trip, having suffered a conditionor for which they have received medication, medical advice or treatment within six months prior to the datethis policy was issued or the date the trip was booked (whichever is later);any claim:a. where at the time of taking out this insurance, the person whose condition gives rise to the claim is anin-patient in (or awaiting admission or booked to be admitted to) a hospital, hospice or nursing home;b. where at the departure date, you or your travel companion are travelling against the advice of a medicalpractitioner or travelling for the purpose of obtaining medical treatment;additional cancellation costs incurred as a result of not immediately telling the travel agent, tour operator orprovider of transport or accommodation that you need to cancel the trip. We will only pay the cancellationcharges that would have applied at the time you knew it was necessary to cancel your trip, if a valid claim exists;any costs incurred on behalf of other party members who are not specified on the insurance schedule;any costs recoverable from another source (e.g. airport taxes);any claim as a consequence of prohibitive regulations of the Government of any country;5

COLUMBUS WORDING.QXD:COLUMBUS WORDING19/8/0809:10Page 710. any claim arising where you have not been able to receive the necessary inoculations or vaccinations orobtain necessary visas for any reason whatsoever;11. any claim arising from any circumstances known about at the date of booking the trip or the date the policywas issued, which could reasonably have been expected to give rise to the cancellation of the trip;12. anything listed in “Exclusions Applicable to the Whole Policy”.SECTION 2 - CURTAILMENTCoveredYou are covered up to the amount specified on your policy schedule for:1.2.the value of the portion of your travel and pre-booked accommodation expenses, calculated from the dateof your return to your home, which have not been used and which were paid for before your departure fromyour country of residence.reasonable additional travelling expenses (on the same basis as your original booking) authorised by us andincurred by you for returning to your home earlier than planned due to a cause listed below:a. accidental injury to or serious illness or death of you, any person with whom you intend to travel, animmediate relative of yours or of the person with whom you intend to travel or a close business associate;b. complications with the pregnancy of you or your travelling companion occurring prior to the last 12weeks (16 weeks for a multiple birth) of the expected date of delivery, provided there have been nocomplications with this or any previous pregnancy;c. your home or place of business being made uninhabitable or the police asking to see you after a theftfrom your home.Replacement Business Colleague: Provided curtailment is due to a cause listed above and the sole purpose ofthe trip is for carrying out your business, you are covered up to the amount specified on your policy schedule foradditional travel and accommodation costs incurred for a business colleague to replace you.Conditions1.2.3.4.5.You must contact the Assistance Service for assistance/advice if you need to cut short your trip for aninsured reason.You must use or revalidate your original ticket for your early return. If this is not possible you must provideevidence that additional costs were necessary. Any refunds due on unused original tickets will be deductedfrom your claim. If you do not have an original return ticket, you will not be reimbursed for costs incurred foryour early return.If you require the Assistance Service to pay for arrangements, they may first need to contact the relevantmedical practitioner to confirm your claim falls within the terms of your cover.If you make your own arrangements you must supply all necessary documentation to substantiate that yourclaim falls within the terms of cover.This policy does not provide compensation for loss of enjoyment.24 hour Assistance ServiceTel No: 44 (0) 870 894 0005 or 44 (0) 208 256 6061Fax No: 44 (0) 870 890 3872 or 44 (0) 208 256 6063Not Covered1.2.3.4.5.6.7.8.the policy excess of 50;claims that are not confirmed as medically necessary by the Assistance Service, and where a medicalcertificate has not been obtained from the attending medical practitioner confirming the necessity to curtail;any claim arising directly or indirectly as a result of a medical condition (see Definitions Applicable to theWhole of the Policy) suffered by you, unless declared to us, agreed by us on your insurance schedule andadditional premium paid if required;medically related claims as a result of your travelling companion, an immediate relative

Travel Insurance COLUMBUS WORDING.QXD:COLUMBUS WORDING 19/8/08 09:10 Page 1. 1 YOUR POLICY WORDING CLAIMS PROCEDURE Thank you for purchasing your Columbus Direct policy. This policy wording including any cover notes issued by Columbus Direct forms a contract of insurance between the underwriters, Professional Travel Insurance