FOREIGN UNIT TRAVEL INSURANCEINSURANCE ARRANGED IN ACCORDANCE WITH THE - PDF document

1 FOREIGN UNIT TRAVEL INSURANCEINSURAN
1 FOREIGN UNIT TRAVEL INSURANCEINSURANCE ARRANGED IN ACCORDANCE WITH THE AGREEMENTS BETWEEN THEProducers Alliance for Cinema and Television(PACT)andBroadcasting Entertainment Cinematograph and Theatre Union(BECTU)andEquitythe members of which are referred to in the Schedule as Union Membersor non Union MembersRoyal and Sun Alliance Insurance plc (herein called the Company) and the Insured agree thatThis Policy the Schedule (including any Schedule issued in substitution) and any Endorsementsshall be considered one document and any word or expression to which a specific meaning has been attached shall bear such meaning wherever it appearsTheProposal or any information supplied by the Insured shall be incorporated in the contractThe Company will provide the insurance described in this Policy subject to the Terms Definitions Exclusions and Conditions for the Period of Insurance shown in the Schedule and any subsequent period for which the Insured shall pay and the Company shall agree to accept the premiumProvided that this Policy shall not be in force unless it has been initialled by an authorised official of the CompanyInitialledRoyal & Sun Alliance Insurance plc No 93792Registered in England and Wales at St Mark’s Court, Chart Way, Horsham, West Sussex RH12 1XL Authorised and Regulated by the Financial Services Authority 2 CONTENTSPage Numberseneral DefinitionsGeneral Claims Settlement ConditionsGeneral ConditionsSection 1 Personal Accidentand SicknessInsurance Section 2 Temporary Life Insurance Section 3 Medical and Emergency Travel ExpensesInsurance Section 4Personal Baggage Insurance Section 4B Travel Document Insuranceion 5 Personal Money and Credit Cards Insurance Section 6 Cancellation Curtailment (including Replacement and Rearrangement) and Change of ItinerarySection Insuran Section 7 Hijack Kidnap and Detention Insurance Section 8 ravel Delay Insurance Section 9 Personal Liability InsuranceSection 10 Legal Expenses Insuranceomplaints ProcedureFair Processing Notice 3 General DefinitionsAircraft Accumulation All Insured Persons travelling in any aircraft or airshipMulti Engined AircraftAny multi engined aircraft or multi engined helicopterAll other ai

rcraft BritainEngland Scotland Wales Nor
rcraft BritainEngland Scotland Wales Northern Ireland the Channel Islands and the Isle of ManChildAny person who is under sixteen years of age or in full time educationCredit CardsAny credit charge cheque bankers or cash card issued in Britain or the Insured Person’s country of residence Hijack / HijackedUnlawful seizure of an aircraft or other conveyance in which the Insured Person is travellingHospitalAny institution which meets fully every one of the following criteriaA) maintains permanent and full time facilities for the care of overnight resident patients andB) has diagnostic and therapeutic facilities for the surgical and medical diagnosis treatment and care of injured and sick persons by or under the supervision of a staff of Medical Practitioners andC) continuously provides 24 hours a day nursing service supervised by state registered nurses or equivalentqualifications andD) is not other than incidentally an institution which provides full time facilities fori) mentally ill or mentally handicapped personsii) nursing or convalescingiii) aged persons of 70 years or moreiv) drug addictsv) alcoholics Intermediary Aon Limited t/a Aon Albert G. Ruben (Aon) and any person who is employed by or contracted to AonIncident All individual losses arising out of and directly occasioned by one sudden unexpected specific event occurring at an identifiable time and placeInsured PersonAny person employed or contracted to the Insured who is a Union Member or non Union Member and who is engaged on a production for the Insured or who is travelling on behalf of the Insured anywhere in the world KidnapUnlawful seizure of an Insured PersonMedical PractitionerAny legally qualified medical practitioner other thanan Insured Person a member of the immediate family of an Insured Personbut including any unit doctor or nurse acting in their professional capacity 4 Nuclear Chemical or Biological CauseUse of any nuclear weapon or device or the deliberate emission discharge dispersal release or escape of any solid liquid or gaseous chemical agent and/or Biological agentBiological agent shall mean any pathogenic microorganism and/or biologically produced toxin(s) including genetically modified organism

s and chemically synthesised toxinsInsur
s and chemically synthesised toxinsInsured JourneyAny journey undertaken by the Insured Person in connection with a roduction involving travel from Britain or the Insured Persons normal country of residenceInsurance operates from the departure of the Insured Person from the Insured Person’s residence in Britain or normal country of residence until arrival back at such residence at the end of the journeyPersonal BaggageClothing and personal effects suitcases trunks and other containers taken on the InsuredJourney by the Insured Person or acquired by the Insured Person during the InsuredJourney Equipment or tools of trade owned or hired by the Insured Person for which the Insured Person is responsiblePersonal MoneyCoins bank and currency notes cheques postal and money orders travellers cheques travel tickets passports green cards and petrol and other coupons which have monetary value provided that such moneywas taken on an InsuredJourney by the Insured Person or acquired by the Insured Person during an InsuredJourney andhad been obtained for travel accommodation meals and personal spending during an InsuredJourney and was in the custody or control of the Insured Person at the time of the lossProposalnformation supplied by or on behalf of the Insured in addition to or in connection with or in substitution thereofProposal FormThe proposal form (including the declaration) which has been completed and signedby n InsuredPerson TerrorismAny act including but not limited to the use of force or violence and/or threat thereof of any person or group(s) of persons whether acting alone or on behalf of or in connection with any organisation(s) or government(s) ommitted for political religious ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the public in fearWarWar invasion act of foreign enemy hostilities (whether war be declared or not) civil war rebellion revolution insurrection or military or usurped power 5 General Claims Settlement ConditionsAssignmentThe Company will not be bound to accept or be affected by any trust charge lien assignment or other dealing with or relating to this PolicyClaims NotificationAs soon as pos

sible after the Insured is aware that an
sible after the Insured is aware that an event has happened which may give rise to a claim the Insured must notify the Intermediaryin writingEvidence RequiredThe Insured must produce for the Company at the Insured's own expense all the detailed particulars and evidence relating to the cause and amount of the loss damage or expense. If the Company considers it necessary each Insured Person must also agree to have a medical examination (which the Company will pay for) as often as the Company may require in connection with any claim following any accident or illness Foreign CurrencyClaims involving foreign currency will be converted into the appropriate currency at the selling rate of exchange published in the Financial Times on the day nearest to the date of the loss or as otherwise paid via documented credit card transaction or as agreed in advance in writing with the CompanyInterestInterest will not be added to any amount paidOther InterestsThe Insured's receipt shall discharge the Company's liability to pay any amount in respect of a claim The Insured Person or the Insured Person's personal representatives shall have no right to claim from or sue the Company If the Insured comprises more than one party having an interest in the Insured Person or the property insured the settlement made by the Company shall represent the total amount payable in respect of that Insured Person or property for all interests covered by this PolicyReasonable CareThe Insured and each Insured Person must take all reasonable steps to avoid or minimise any loss or damage and must also make every effort to recover any property which has been lost or stolenThird Party Contract RightsNo person other than the Insured or the Company may enforce the terms of this Policy and the provisions of the Contract (Rights of Third Parties) Act 1999 do not apply 6 General ConditionsCancellation of Terrorism or War Risks CoverThe Company on notifying the Intermediarymay cancelany insurance provided by this Policy against War or Terrorism by virtue of theIntermediary giving 7 days notice to the Insured at the Insured’s last known registered address The insurance in respect ofany production which has already incepted and involvtr

avel outside the Insured Person’s c
avel outside the Insured Person’s country of residence shall not be affectedProof of HealthWhere required Proposal orms shall be submitted to the Company prior to the commencement of an InsuredJourney and insurance is subject to such forms being acceptable to the CompanyIf any unsatisfactory feature is disclosed by a Proposal orm the Company reserves the right to acquire medical information or require a medical examination and apply such terms as it may require in respect of the Insured Person concernedAdjustment of PremiumThe Insured shall record all journeys to be covered by this Policy and shall make a declaration of each InsuredJourney to be included giving the name of the Insured Person and the date and duration of the InsuredJourney The Premium shall then be adjusted at the rates agreedFinancial or Trade SanctionsThe Companyshall not provide coverage or be liable to provide any indemnity or payment or other benefit under this Policy if and to the extent that doing so would breach any prohibition or restriction imposed by law or regulationIf any such prohibition or restriction takes effect during the Policy period the Insured or the Company may cancel that part of this Policy which is prohibited or restricted with immediate effect by giving written notice to the other at their last known registered addressLaw and Jurisdiction ApplicableUnder the laws of the United Kingdom (England, Scotland, Wales and Northern Ireland) both parties may choose the law which applies to this contract, to the extent permitted by those laws. Unless the parties agree otherwise in writing, the Company has agreed with the Insured that the law which applies to this contract is the law which applies to the part of the United Kingdom in which the Insured is based, or, if based in the Channel Islands or the Isle of Man, the law of whichever of those twoplaces in which the Insured is based. The parties have agreed that any legal proceedings between them in connection with this contract will only take place in the courts of the part of the United Kingdom in which the Insured is based, or, if the Insuredis based in either the Channel Islands or the Isle of Man, the courts of whichever of those two places in which the Insure

d is based.Policy CancellationThis Polic
d is based.Policy CancellationThis Policy may be cancelled by either the Insured or the Company by giving 30 days written notice to the Company or the Insured at their last known registered addressIf the whole or any part of the Policy is cancelled theCompany shall return a proportionate amount of the premium for the unexpired period subject to minimum premium requirements and provided no claims have been paid or are outstanding 7 Section 1 Personal Accident and Sickness InsuranceTheCover If during the Period of Insurance the Insured Person sustains or contracts while on an InsuredJourneyaccidental bodily injury which within 24 months shall independently of any other cause result in Death or Disablementsickness or disease or within 6 monthsof completion of the InsuredJourney sickness or disease which is solely attributable to such InsuredJourney which independently of any other cause results in Permanent Total DisablementThe Company will payto the Insured or the Insured Person with theagreement of the Insured the appropriate Benefit shown in the ScheduleNational Insurance Benefits IndemnityIn respect of any Insured Person normally resident in Britain the Company will also pay any payments made by the Insured to the Insured Person to provide cover similar to the National Insurance Benefits to which the Insured Person would have been entitled had the accident or sickness occurred in BritainExclusions to this SectionThe Company will not pay in respect ofstunt performers or stunt arrangers whilst engaging in or practising or rehearsing for or taking part in training for the performance of any stunt unless otherwise agreed by the Company bodily injury sustained while an Insured Person is engaged inair travel as a pilot or member of the aircre3. bodily injury consequent upon an Insured Person committing or attempting to commit suicide bodily injury Death Disablement sickness or disease sustained by any person under 5 or over 7years of ageat the commencement of the roduction any claim which is directly or indirectly as a result of War in Britain or the Insured Person’s normal country of residence War or Terrorism occasioned by any Nuclear Chemical or Biological Causeradioactive contamination whe

ther arising directly or indirectly
ther arising directly or indirectly 8 Special Definitions applying to thisSectionBenefits shall meanaccidental bodily injury causingDeathDisablement2 Loss of two or more Limbs or both Eyes or one of eachLoss of one Limb or EyeB) Permanent total loss of speechPermanent total loss of hearingi) in both earsii) in one ear (see Special Condition 2D)4 Permanent Total Disablement from the Insured Person’s usual occupation Temporary Total Disablement from usual occupation payable for a maximum of 52 weeks in all not necessarily consecutive Sickness or disease causing Permanent Total Disablement from usual occupation Sickness or disease causing Temporary Total Disablement from usual occupation payable for a maximum of 52 consecutive weeks in allLoss ofLimb shall meanin the case of a leg loss by permanent physical severance at or above the ankle or permanent and total loss of use of a complete foot or legin the case of an arm loss by permanent physical severance of the four fingers at or above the meta carpo phalangeal joints (where the fingers join the palm of the hand) or permanent and total loss of use of a complete arm or handLoss of Eye shall mean permanent and total loss of sight which will be considered as having occurredin both eyes if the Insured Person’s name is added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist B) in one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen scale (meaning seeing at 3 feet what the Insured Person should see at 60 feet)Special Conditions applying to this SectionDisappearanceIn the event of disappearance of the Insured Person if after a suitable period of time it is reasonable to believe that Death has occurred as a result of accidental bodily injury the Death Benefit shall become payable subject to a signed undertaking by thInsured that if the belief is subsequently found to be wrong such Death Benefit amount shall be refunded to the Company2 BenefitsNo sum shall be payable in respect of any one Insured Person undermore than one of Benefits 1 2 3 4 and 6 in connection with the same accident sickness or diseaseBenefit 5 and 7 for the same period

of disablementBenefit 7 unless the peri
of disablementBenefit 7 unless the period of disability exceeds seven consecutive daysLoss of Limb or Eye or speech or hearing must be proved to the reasonable satisfaction of the Company to be permanentand without expectation of recovery before the Company will pay Benefits 2 or 3 Permanent Total Disablement must be proved to the reasonable satisfaction of the Company to be permanent and without expectation of recovery and any claim forweekly compensation must have been settled in full before the Company will pay for Benefit 4 or 6C) On the happening of an accident or sickness or disease giving rise to a claim for 100% of the amount for any Benefits4 or 6 this insurance will cease to cover that Insured PersonD) If Benefit 3 is claimed for permanent total loss of hearing in one ear the Company will not pay more than 25% of the amount which would have been payable had the claim been for permanent total loss of hearing in both earsE)The Company will not pay any amount for any Benefit solely because the Insured Person is unable totake part in sports or pastimes unless undertaken in a professional capacityBodily injury shall not include sickness or disease or any naturally occurring condition or degenerative 9 processIn respect of an Insured Person under 1years of ageBenefit 1 Death is restricted to a Sum Insured of £20,000Benefits 4 and 6 are amended to read Permanent Total Disablement from gainful employment of any and every kindNo amount will be payable under Benefits 5 and 7 ExposureIf an Insured Person suffers Death or Disablement as a result of exposure to the elements the Company will consider that as having been caused by accidental bodily injuryApplication of the Aircraft Accumulation LimitIn the event of a claim exceeding the Aircraft Accumulation Limit the Company's liability in respect of each Insured Person shall be proportionately reduced until the total does not exceed that LimitSpecial Extensions applying to this SectionComa BenefitIf during the Operative Time the Insured Person sustains accidental bodily injurywhich within 90 days is the sole and independent cause of the Insured Person being in a continuous unconscious state the Company will pay £50 per full 24 hour

s up to a maximum of one hundred and fo
s up to a maximum of one hundred and four weeks any one Insured Person while they remain in a continuous unconscious state Disability AssistanceIf during the Operative Time the Insured Person sustains accidental bodily injury which within two years is the sole and independent cause of permanent disablement for which Benefit 2 3 or 4 is claimed the Company will pay necessary expenses incurred with thCompany's prior written consent to make alterations to the Insured Person's home or car as a direct and necessary result of the permanent disability suffered up to a maximum of £20,000 Funeral ExpensesIf during the Operative Time the Insured Person sustains accidental bodily injury which within two years is the sole and independent cause of Death the Company will pay the necessary costs incurred with the Company’s prior written consent for funeral expenses up to amaximum of £10,000 any one Insured Person subject tothis not being included in any claim under the Medical and Emergency Travel Expenses Insurance Section HospitalisationIf during the Operative Time the Insured Person sustains accidental bodily injury which within two years is the sole and independent use of the Insured Person being admitted to Hospital on the recommendation of a Medical Practitioner the Company will pay £50 per full 24 hours up to a maximum of fifty two weeks any one Insured Person while they are a Hospital inpatient subject to this ot being included in any claim under the Medical and Emergency Travel Expenses Insurance Section RetrainingIf during the Operative Time the Insured Person sustainsaccidental bodily injury which within two years is the sole and independent cause of the Insured Person suffering Permanent Total Disablement from the Insured Person's usual occupation in the Business for which the benefit is claimed the Company will pay reasonable expenses incurred in retraining the Insured Person for an alternative occupationwith the Insured up to a maximum of £10,000Dangerous Work in BritainThe Company will paythe appropriate Benefit shown in Section 1 if the Insured Person shall suffer accidental bodily injury while in Britain and engaged on the Insured's business in work which is proven to

be dangerous and the Insured is held to
be dangerous and the Insured is held to be liable under the appropriate Section of the Union Agreement The Insured acknowledges where such dangerous work is to be carried out that full details be given to the Company before the work has commenced or as soon as possible thereafter and to pay such additional premiums as may be agreedAerial Flights other than by approved Passenger ServiceThe Company will paythe appropriate Benefit shown in Section 1 if the Insured Person shall suffer accidental bodily injury whilst engaged in aerial flights other than by approved passenger service Full detailsof such flights shall be declared to the Company andthe Insured shall pay such additional premiums as requiredContingent Personal Accident Insurance in Britain 10 If during the Period of Insurance the Insured Person sustains accidental bodily injuryin Britainwhilst engaged in work which is provedto be dangerous andthe Insured is held to be liable in accordance with the appropriate Clauses of the Agreements stated in this Policy relating to dangerous work which within 24 months shall independently of any other cause result in Death or Disablement for which the Benefit is claimed the Company will pay to the Insured the appropriate Benefit shown in the ScheduleIn the event of Death the Company will pay the necessary cost of transporting the body or ashes and the Insured Person’s Personal Baggage to the last known residence of the deceased Schedule of Benefits DeathDisablement2 Loss of two or more Limbs or both Eyes or one of eachLoss of one Limb or EyeB) Permanent total loss of speechPermanent total loss of hearingi) in both earsii) in one ear (see Special Condition 2D)4 Permanent Total Disablement from the Insured Person’s usual occupation Temporary Total Disablement from usual occupation payable for a maximum of 52 weeks in all not necessarily consecutiveSum InsuredFor persons aged 16 to 7years1 2 3 & 4 £0 per week or 100% of contracted weekly wage whichever is the lesser up to 52 weeks Section 2 Temporary Life InsuranceUnderwritten by Beazley Furlonge Ltd.Registered Address: Plantation Place South, 60 Great Tower Stre

et, London. EC3R 5AD Registered in Engla
et, London. EC3R 5AD Registered in England and Wales No: 204896Authorised and regulated by the Financial Services AuthorityThe Coverin the event of the Death of an Insured Person during an InsuredJourney from natural causes which does not constitute a valid claim underBenefit 1 of Section 1 after satisfactory proof ofthe Death of the Insured Person during the Period of Insurance or within 6 months of return to country of residencethe age of the Insured PersonThe Company will paythe Sum Insured to the Insured or the Insured Persons personal representativesSpecial Conditions applying to this SectionIf the Insured Person is between 5 and 15 years of age the Sum Insured is restricted to £20,000 If the age of the Insured Person is over 72 years at commencement of the first InsuredJourney then no sum shall be payable unless otherwise agreed and accepted by the CompanyNo amount shall be payable under this Section in addition to any Benefit under Section 1 other than Benefits 5 or 74. War or Terrorism occasioned by any Nuclear Chemical or Biological Cause5. Radioactive contamination whether arising directly or indirectly 11 Section 3 Medical and Emergency Travel Expenses InsuranceThe CoverIf during an InsuredJourney an Insured Person falls ill or sustains accidental bodily injury or dies the Company will indemnify the Insured in respect of Medical and Emergency Travel Expenses which are necessarily incurred as a direct resultThe Company will payup to the appropriate Sum Insured shown in the Schedule for all Medical and Emergency Travel Expenses incurred in respect ofany one Insured PersonSpecial Definitions applying to this SectionMedical ExpensesThe cost of medical surgical or other remedial attention treatment or appliances given or prescribed by a Medical Practitioner and all hospital nursing home and ambulance chargesDental and optical expenses are included only if necessitated by accidental bodily injury or incurred for emergency treatmentPregnancy or childbirth expenses are included but only if necessitated by i) bodily injury following an Accident orii) incurred for pregnancy related illness or complications requiring emergency treatmentEmergency Travel ExpensesThe additional cos

t incurred on an InsuredJourney (less an
t incurred on an InsuredJourney (less any saving by or recovery available to the person concerned) of travel ccommodation and rescue and repatriation incurred in respect of the Insured Person or of any business colleague relative or friend who has necessarily to travel to or remain with or escort the Insured Person In the case of Death the Company will pay the necessary cost of transporting the body or ashes of the Insured Person and the Insured Person's Personal Baggage to normal cotry of residenceExclusions to this SectionThe Company will not pay1 any Medical or Emergency Travel Expenses incurred by stunt performers or stunt arrangers whilst engaging in or practising or rehearsing for or taking part intraining for the performance of any stunt unless agreed otherwise by the Companyany Medical Expenses incurredin Britain or the country where the Insured Person is normally resident other than those arising in connection with an InsuredJourney outside Britain or the country where the Insured Person is normally resident and then only for an amount not exceeding £25,000 per Insured PersonB) more than two years after the need for treatment arisesany claim if the Insured Person is travelling against medical advice given by a Medical Practitioner or for the purpose of obtaining treatmentcosts incurred in replacing personnel sent abroad on businessany expenses which are the result of or are contributed to by the Insured Person engaging inair travel as a pilot or member of the aircrewbodily injury consequent upon an Insured Person committing or attempting to commit suicide any claim which is directly or indirectly as a result of War in Britain or the Insured Person’s normal country of residence War or Terrorism occasioned by any Nuclear Chemical or Biological Causeradioactive contamination whether arising directly or indirectly 12 Special Extensions applying to this Sectionuneral ExpensesIf during the course of an InsuredJourney the Insured Person dies theCompany will pay up to a maximum of £10,000 for the necessary cost incurred with the Company’s prior written consent for funeral expenses HospitalisationIf during the course of an InsuredJourney the Insured Person is admit

ted to Hospital on the recommendation of
ted to Hospital on the recommendation of a Medical Practitioner the Company will pay £50 per full 24 hours up to a maximum of fifty two weeks while the Insured Person is a Hospital patient 13 TRAVEL ASSISTANCE FROM FIRSTASSISTFirstAssist is a third party service provider approved by Royal & Sun Alliance Insurance plc All advice and assistance from FirstAssist is accessed via the following contact numbers Telephone: +44 (0) 20 8763 3155 Fax: +44 (0) 20 8763 3035 Web: www.firstassist.co.uk FirstAssist operate 24 hours a day 365 days a yearFor your protection telephone calls may be recorded or monitoredFirstAssist Pre Travel AdviceEven before the InsuredJourney commences FirstAssist can help with the following advice oncustoms regulationscurrency limits and rulesbanking procedures and hourshealth matters and inoculation requirementsvisa requirements and proceduresFirstAssist Medical AssistanceIn an emergency an Insured or Insured Person can obtain immediate assistance by telephoning First Assist Insurance Services Limited Assistance is supported byin house doctors and nursing staffa network of doctors and nurses throughout the worldmulti lingual assistance coordinators speaking more than 1 5 languagesspecialist travel agencies for immediate repatriation arrangements in the event of a medical emergency natural disaster or terrorist attackFirstAssist Travellers HelplineAs well as medical assistance the FirstAssist Travellers Helpline will provide the following assistanceadvice on replacement of lost or stolen tickets passport or travel documentsassistance in liaison with carrier on location of lost luggage itemsuninsured motoring assistance if the Insured Person's vehicle breaks down on the way to the airportuninsured domestic assistance for the duration of the InsuredJourney FirstAssist will call out a tradesman to attend to an emergency at home but repairs and services necessary are payable by the Insured Person (with the Exclusionof the cover provided under the Loss of Keys Special Extension tothe Baggage Insurance Section)emergency message relay to family or business associate where normal channels failreferral to Embassy or Consulate where legal consultation

is needed N.B. the services of the Fir
is needed N.B. the services of the FirstAssist Travellers Helpline are to provide advice and assistance only there is no insurance cover in connection with these services (with the Exclusionof the cover provided under the Loss of Keys Special Extension to the Baggage Insurance Section) 14 Section 4A Personal Baggage InsuranceThe CoverIf during an InsuredJourney an Insured Person's Personal Baggage is lost damaged stolen or destroyed the Company will indemnify the Insured or the Insured Person with the agreement of the Insured for the cost of repair or replacementThe Policy is extended to provide cover in respect of Personal Baggage and Tools of Trade whilst in transit accompanied or unaccompanied the Insured Personin connection with an insuredourneyDelayed BagIn the event of the Insured Person's Personal Baggage being delayed for more than 4 hours the Company will reimburse the Insured on behalf of the Insured Person up to £1,000 towards the cost of purchasing emergency replacement clothing toilet requisites and similar itemsThe Company will paythe cost of replacement as new (or at the Company's option will replace as new) except for items that can be economically repaired (including clothing) where the cost of repair will be paid up to the appropriate Sum Insured shown in the Schedule in respectof any one Insured Personless any amount recoverablefrom the transport providerLoss of KeysIf during an InsuredJourney the keys to the external doors safes or alarms of the Insured Person's home are lost damaged stolen or destroyed the Company will indemnify the Insured or the Insured Person with the agreement of the Insured for the replacement of the lock mechanisms up to £500Special Conditions applying to this SectionAutomatic reinstatement of Sum Insured after a lossIn respect of any one Insured Person the Sum Insured shall not be reduced by the amount of any loss during an InsuredJourney and no additional premium shall be payable for such automatic reinstatement of coverTools of Trade or equipmentIn respect of any item of value which exceeds £1,000 the Insured shall be responsible for 10% of each and every loss Exclusions to this SectionThe Company will not payfor loss or damage theft of or

destruction of2. A) Personal Money C
destruction of2. A) Personal Money Credit Cards bonds negotiable instruments securities of any kindcontact lensessports equipment while in use3 for chipping scratching or breakage of glass china or other fragile articles unless due to fire theft or accident to the conveyance in which they were being transportedfor loss damage or destruction caused bywear and tear depreciation moth vermin atmospheric or climatic conditions or any other gradually operating causeany process of cleaning dyeing repairing or restoringfor mechanical or electrical breakdown or derangemen 15 Section 4B Travel Document Insurance SectionThe CoverIf during an InsuredJourney the Insured Person loses or damages their passport visa travel tickets or other essential travel documents the Company will reimburse the Insured for the necessary additional cost of travel and accommodation and other costs necessarily incurred enable the Insured Person to obtain replacementsThe Company will payup to £2,000 any one Insured PersonSection 5 Personal Money and Credit Cards InsuranceThe CoverThe Company will reimburse the Insured or the Insured Person with the agreement of the Insuredif duringan InsuredJourney or the hours immediately preceding its commencement or subsequent to its completion an Insured Person loses Personal Moneyan InsuredJourney an Insured Person suffers financial loss solely as a result of a Credit Card being stolen or lost and subsequently used by any person other than the Insured Person or a member of the InsurePerson’s familyThe Company will payup to the appropriate Sum Insured shown in the Schedule in respect of any one Insured PersonSpecial Conditions applying to this SectionAutomatic reinstatement of Sum Insured after a lossIn respect of any one Insured Person the Sum Insured shall not be reduced by the amount of any loss during an InsuredJourney and no additional premium shall be payable for such automatic reinstatement of coverExclusions to this SectionThe Company will not p1. for losses exceeding £00 in respect of coin bank and currency notes2. for confiscation errors or omissions in receipts payments or accountancy or depreciation in value3. any claim for loss of a Credit Card unl

ess the Insured or the Insured Person ha
ess the Insured or the Insured Person has complied with all the terms and conditions under which the card was issued where reasonably able to do so4. for any consequential lossother than fraudulent use of a credit card Special Extensions applying to this SectionAssault Robery or holdin BritainIf declared to the Company Section 1 may be extended to include accidental bodily injury while the Insured Person is engaged or thought to be engaged in the carriage of money in transit (including escort duties) on behalf of the Insured and as a result of holdup (actual or attempted) 16 Section 6 Cancellation Curtailment (including Replacement and Rearrangement) and Change of Itinerary InsuranceThe CoverCancellationIf the Insured or the Insured Person is forced to cancel an InsuredJourney as a direct and necessary result of any cause outside the Insureds or the Insured Person’s control the Company will reimburse the Insured for all deposits advance payments and other charges for transport and accommodationCurtailmentIf the Insured or the Insured Person is forced to cut short an InsuredJourney and return to their normal country of residence as a direct and necessary result of any cause outside the Insureds or the Insured Persons control the Company will reimburse the Insuredon a pro rata basis for all deposits advance payments and other charges for transport and accommodationor the additional cost of travel and accommodation necessarily incurred to return the Insured Person to their normal country of residenceReplacement and Rearrangement following CurtailmentFollowing the Curtailment of an InsuredJourney the Company will reimburse the Insured for the additional cost of travel and accommodation necessarily incurred as a direct result ofthe sending of a replacement for the Insured Person to assume the duties of that Insured Personor rearrangement of the Insured Person’s InsuredJourney to resume his or her duties within six months of CurtailmentChange of Itinerary including Missed DepartureIf after departure the Insured or the Insured Person is forced to alter prebooked arrangements in connection with an InsuredJourney as a direct and necessary result of any cause outsi

de the Insured’s or the Insured Per
de the Insured’s or the Insured Person’s control the Company will reimburse the Insured for the additional cost of travel and accommodation necessarily incurred to enable the Insured Person to continue that InsuredJourney The Company will payup to the cost of the InsuredJourney including those trips on the Insured’s Business funded for wholly or in part by air miles but not exceeding the appropriate Sum Insured in respect of any one Insured Person Exclusions to this SectionThe Company will not payif the InsuredJourney is cancelled or curtailed as a result ofdisinclination to travelB) pregnancy or childbirth unless cancellation or curtailment occurs as a result of i) bodily injury following an Accident or i) incurred for pregnancy related illness or complications requiring emergency treatmentredundancy or change of employment of the Insured Person or any of the Insured's employeesthe Insured's financial circumstancesthe financial failure or omission or neglect of anyprovider of transport or accommodationagent or such provideragent acting for the Insured or the Insured Personregulations made by any Government or Public Authoritystrike labour dispute or industrial action. This Exclusionshall not apply where the departure of anaircraft or ship on which the Insured Person is booked to travel is delayed by at least 24 hours provided that the delay is not due to a strike labour dispute or industrial action which existed or of which advance warning had been given prior to the date on which the InsuredJourney was bookedWar in Britain or the Insured Persons country of residence unless such cancellation curtailment or change of itinerary is the result of accidental bodily injury sustained by the Insured Person during the course of an InsuredJourney provided War did not exist or had not been reported to be imminent at the date on which the InsuredJourney was bookedhe Insured Person engaging in flying of any kind other than as a pilt or member of the aircrew 17 2. any claim for cancellation or curtailmentif the Insured Person fails to check in according to the checking in conditions or travel details or itinerary supplied unless failure was itself due to strike or industri

al actionfollowing delay if the delay is
al actionfollowing delay if the delay is due to the withdrawal from service temporarily or permanently of any ship or aircraft on the orders or recommendation of any Port Authority or the Civil Aviation Authority or any similar body in any countryany claim involving a person who is travelling or intending to travel against the advice of a Medical Practitioner or for thepurpose of obtaining treatment 18 Section Hijack Kidnap and Detention InsuranceThe CoverIf in the course of an InsuredJourney the means of transport in which the Insured Person is travelling is Hijacked or the Insured Person is kidnapped or illegally detained in the country visited the Company will compensate the Insured on behalf of the Insured Person concerned as detailed belowThe Company will payin respect of each Insured Person£300 for each day or part of a day during which the Insured Person is detained by the hijackers or kidnappers or is illegallyetainedthe additional cost of travel and accommodation necessarily incurred as a direct result of the Insured Person being Hijacked kidnapped or illegally detainedfor expenses necessarily incurred in the engagement of independent advisers includingsecurity public relations legal and medicaladvisers with the knowledge and agreement of the Companyup to a maximum of £50,000 per Insured PersonSection 8 Travel Delay Insurance The CoverIf the departure (both original and subsequent) of the means of transport on which the Insured Person is bookedto travel on an InsuredJourney is delayed as a direct and necessary result of any cause outside the Insured or Insured Person's control the Company will compensate the Insured for the inconvenience causedThe Company will pay£50 for each consecutive 4 hours up to a maximum of £500 in respect of any one Insured PersonExclusions to this SectionThe Company will not pay ifthe delay is due to strike or industrial action which existed or of which advance notice had been given on or before the date on which the journey was bookedthe delay is due to the withdrawal from service temporarily or permanently of any means of transport on the orders or recommendations of any Port Authority or the Civil Aviation Authority or any similar body in any co

untrythe Insured Person has received an
untrythe Insured Person has received any compensation from the airline concerned in respect of over booking of seats 19 Section PERSONAL LIABILITY INSURANCE SECTIONThe CoverThe Company will indemnify the Insured on behalf of the Insured Person in respect of legal liability for damages arising fromaccidentalInjury to any personor loss of or damage to material propertyhappening during an InsuredJourney The Company will payup to £5,000,000 for damages in respect of any one Event andclaimant’s costs and expenses for which the Insured Person is legally liable in connection with the Event giving rise to he claim andall other costs and expenses incurred with the written consent of the CompanySpecial Definitions applying to this SectionEventOne occurrence or all occurrences of a series consequent on or attributable to one source or original causeInjuBodily injury mental injury death disease or illnessInsured PersonThe Insured Person detailed in the Schedule or the Insured Person’s personal representativesClaims Settlement Conditions applying to this SectionAdmission of LiabilityNo admission offer promise payment or indemnity may be made or given by or on behalf of the Insured or the Insured Person without the written agreement of the CompanyFinal SettlementThe Company may at any time pay the Insured Person the amount for which a claim can be settled up to a limit of £5,000,000 (less any sums already paid as damages) The Company will then be under no further liability in respect thereof other than forcosts and expenses incurred prior to the Company making such a paymentNotificationAs a condition precedent to the Insured’s right to be indemnified under this Policy the Insured shall give to the Company immediate written notice with full particulars of any claim or occurrence which may give rise to a claimEvery letter claim form writ summons and process must be forwarded to the Company immediatelyThe Insured shall notify the Company immediately upon becoming aware of any prosecution inquest or inquiry in connection with any occurrence which may give rise to a claimSubrogation RightsThe Company shall be entitled to take over the defence or settlement of any c

laim or to prosecute any claim in the na
laim or to prosecute any claim in the name of the Insured Person for the Company’s own benefit and shall have full discretion in the conduct of any proceedings and the settlement of any cla 20 Exclusions to this SectionThe indemnity will not apply to legal liabilityarising out ofthe Insured Person’s profession trade or businessthe ownership possession or use by or on behalf of the Insured Person ofany caravan mechanically propelled vehicle aircraft or other aerial device hovercraft or waterborne craft (other than handpropelled or sailing craft in inland or territorial waters)c)Warin respect of loss of or damage to any property which at the time of the Event giving rise to such legal liability is owned by or held in trust by or in the custody or control of the Insured Person This Exclusionshall not apply to loss or damage to premises including their fixtures and fittings leased or rented to the Insured Person where such legal liability has not been accepted by agreement 21 Section LEGAL EXPENSES INSURANCE SECTIONThe CoverIf an Insured Person sustains Injury during an InsuredJourney and within the Period of Insurance the Company will pay to the Insured on behalf of the Insured Person Legal Expenses incurred by the Insured Person or their Legal Personal Representative in pursuit of compensation against the third party who has caused the InjuryThe Company will payup to a maximum of £50,000 Any One Claim any one Insured PersonSpecial Definitions applying to this SectionAny One ClaimAll Legal Proceedings including appeals arising from or relating to the same original cause or eventFirst Assist Insurance Services Limited (“FISL”) handle claims on behalf of the CompanyFirstAssist is a third party service provider approved by Royal & Sun Alliance Insurance plcFirst Assist Insurance Services LimitedClaims DepartmentMarshall's CourtMarshall's Roadtton SURREYSM1 4DUTelephone: 020 8652 1313InjuryPhysical injury to or death disease or illness of the Insured PersonLegal ExpensesAny fees (other than those charged only on the successful outcome of the Legal Proceedings) expenses or other disbursements including costs and fees of expert witn

esses reasonably incurred by the Legal P
esses reasonably incurred by the Legal Personal Representative in connection with the Legal Proceedings or in appealing or resisting an appeal against the judgement of any court in connection with any Legal ProceedingsAny costs payable by the Insured Person following an award of costs by any court and any costs payable following an out of court settlement to which FISL has agreed and which is made in connection with any Legal ProceedingsLegal Personal RepresentativeA solicitor or other suitably qualified person appointed to act for the Insured Person or their Legal Personal Representativein any Legal ProceedingsLegal ProceedingsThe pursuit of a legal action in a civil courtClaims Settlement Conditions applying to this SectionArbitrationIf there is a dispute between the Insured Person and the Company or FISL about this Section of the Policy it can be taken to an independent arbitrator The arbitrator will be a solicitor or barrister whom the Insured Person and FISL agree to If FISL cannot agree with the Insured Person or an arbitrator the President of the Law Society (or similar organisation) will choose the arbitrator The side that loses the arbitration will pay the costs of the arbitration If the decision is not totally in favour of one side the arbitrator will decide who pays the costs If the Insured Person loses or is asked to pay a share of the costs these costs will not be covered under this Section operation 22 FISL must be able to contactthe Legal Personal Representative The Insured Person and the Legal Personal Representative must cooperate with FISL about developments concerning the Insured Persons case FISL must be able to have access to the Legal Personal Representatives files if FISL requests thisNotificationAs a condition precedent to the Insured’s right to be indemnified under this Policy the Insured must inform FISL by filling in a claim form within 90 days of the occurrence of the event giving rise to the claim The Insured mustgive FISL a full and truthful account of the details of the claim Until FISL have been told about the claim and FISL has given its agreement the Company will not be responsible for any Legal Expenses Payment of BillsThe Insured

Person must send FISL allbills for the L
Person must send FISL allbills for the Legal Personal Representative’s Legal Expenses as soon as the Insured Person receives them The Insured Person must confirm that any charges to be paid are acceptable and that FISL may pay the bill for the Insured Person If FISL asks the Insured Person must ask the Legal Personal Representative to submit the bill of costs for taxation or ask the Law Society to certify them according to the Solicitors Act 1974 or the Solicitors Remuneration Order 1972RecoveryThe Insured Person and the Legal Personal Representative must take every step to recover Legal Expenses If the Company pay Legal Expenses up to the maximum for Any One Claim and the Insured Person pays more Legal Expenses to end the case the Company and the Insured Person will share any Legal Expenses that are recovered The Company and the Insured Person will each receive the same percentage as was paidSelection of the Legal Personal RepresentativesOutside the European Union FISL shall have complete control over the Legal Proceedings and the selection appointment and control of any Legal Personal RepresentativesFor claims within the European UnionIn the period before FISL and the Insured Person can agree that Legal Proceedings are necessary, FISL may take on and carry out any negotiations in the Insured Person's name. The Insured Person must agree to a settlement which is reasonable.If FISL agrees that Legal Proceedings are necessary but is not able to act for the Insured Person (or the Insured Person doesnot want FISL to act) then FISLwill agree with the Insured Person or a representative to act FISL will suggest representatives who will be willing and able to act for the Insured Person If the Insured Person prefers not to use a representative from thilist FISL will consider this choice The Insured Person will need to satisfy FISL that the chosen representative has the necessary expertise to deal with the Legal Proceedings The Insured Person must also confirm that he or she will not charge more than a representative on the list unlessthe Insured Person agrees to pay this difference personallyIf FISL and the Insured Person cannot agree on whether Legal Proceedings are necessary or on the

choice of Legal Personal Representative
choice of Legal Personal Representative the Insured Person can take the matter to an independent arbitrator This process is set out in the Arbitration condition above Any representative chosen is appointed to act for the Insured PersonSettlementThe Insured Person must tell FISL if an offer is made to settle the Legal Proceedings and must not negotiate or agree to settle the dispute without having FISL’s agreement beforehand If the Insured Person does not accept a reasonable offer the Company may not continue to support the claimExclusions to this SectionThe Company will not pay any Legal Expenses in respect ofany Legal Expenses incurred either prior to the granting of support by FISL or without FISL’s written consentcosts in excess of £100,000 where the same original cause event or circumstance gives rise to claims by more than two InsuredPersonsLegal Proceedings between any Insured Person and the Insured or any other Insured Personany claim where FISL considersthat there are not reasonable prospects of successfully pursuing or defending the Legal Proceedings or achieving a reasonabloutcome 23 or that a reasonable estimate of the Insured Person’s total irrecoverable Legal Expenses is greater than the amount in disputeHowever where it is fair and reasonable to do so the Company may at FISL’s sole discretion offer the Insured Person a cash settlement in substitution for the reimbursement of Legal Expensesany costs relating to a claim or counterclaim made against the Insured Person by any other partyfines damages or penalties of any natureany claim against FISL or the Company orany person or business acting on their behalf in respect of the cover terms conditions and limitations of this Policy or any service advice or arrangements given in connection with this policyany claim arising out of any wilful deliberate reckless or intentional action taken by an Insured Person actions undertaken in more than one countryany Legal Proceedings directly or indirectly caused by contributed to or arising from or in connection with any accident involving a mechanically propelled vehicle or trailer owned by the Insured Personany Legal Proceedings in respect of which t

he Insured is or but for the existence o
he Insured is or but for the existence of this Policy would be entitled to indemnity under any other insurance policy held by the Insured or any policy which the Insured is required to hold by lawthe pursuit or defence of any action alleging defamation or malicious falsehoodthe defence of civil Legal Proceedings made or brought against the Insured that arise out of or relate tothe death disease or illness of or bodily injury to any personthe actual or alleged breach of any duty owed as a Director or officer of any companythe Insured’s profession trade or occupationthe loss destruction or damage of or to any property This also includes loss of use of property which cannot be used because of the loss destruction or damage Legal Proceedings in constitutional international or supranational Courts or tribunals other than the European Court of Justice anthe Commission and Court of Human Rightsany consequence of War 24 COMPLAINTS PROCEDURE OUR COMMITMENT TO CUSTOMER SERVICE At RSA we are committed to going the extra mile for our customers. If you believe that we have not delivered thservice you expected, we want to hear from you so that we can try to put things right. We take all complaints seriously and following the steps below will help us understand your concerns and give you a fair response. Step 1Initiallyif you wish to make a complaint relating to your policy or a claim then please raise your concerns with your usual business contact at Aon. We aim to resolve your concerns by close of the next business day. Experience tells us that most difficulties can be sorted out within this time.Step 2In the unlikely event that your concerns have not been resolved within this time, your complaint will be referred to our Customer Relations Team who will arrange for an investigation on behalf of our Chief Executive. Their contact details areas follows:Post:RSA Customer Relations TeamP O Box 2075LivingstonEH54 0EPEmail: crt.halifax@uk.rsagroup.comOur promise to youWe will:Acknowledge all complaints promptlyInvestigate quickly and thoroughlyKeep you informed of progressDo everything possible to resolve your complaintUse the information from your complaint to pro

actively improve our service in the futu
actively improve our service in the future.Once we have reviewed your complaint we will issue our final decision in writing within 8 weeks of the date we received your complaint. If you are still not happyIf you are still unhappy after our review, or you have not received a written offer of resolution within 8 weeks of the date we received your complaint, you may be eligible to referyour case to the Financial Ombudsman Service (FOS). The FOS is an independent body that arbitrates on complaints. They can be contacted at: Post:Financial Ombudsman ServiceSouth Quay Plaza183 Marsh WallLondon E14 9SR Telephone:0800 0234567 (for landline users)0300 1239123 (for mobile users) Email: complaint.info@financialombudsman.org.ukWebsite: www.financialombudsman.org.uk You have six months from the date of our final response to refer your complaints to the FOS. This does not affect your ight to take legal action, however, the FOS will not adjudicate on any case where litigation has commenced. Thank you for your feedbackWe value your feedback and at the heart of our brand we remain dedicated to treating our customers as individuals 25 and giving them the best possible service at all times. If we have fallen short of this promise, we apologise and aim to do everything possible to put things right.FAIR PROCESSING NOTICEHow we use your InformationPlease read the following carefully as it contains important information relating to the details that you have given us. You should show this notice to any other party related to this insurance.Who we areThis product is underwritten by Royal & Sun Alliance Insurance plc.You are giving your information to Royal & Sun Alliance Insurance plc, which is a member of the RSA Group of companies (the Group). In this information statement, and ourrefers to the Group unless otherwisestated.How your information will be used and who we share it withYour information comprises of all the details we hold about you and your transactions and includes information obtained from third parties.If you contact us electronically, we may collect your information identifier, e.g. Internet Protocol (IP) Address or telephone number supplied by your Service Provider.We may use

and share your information with other me
and share your information with other members of the Group to help us and them:Assess financial and insurance risks;ecover debt;Prevent and detect crime;Develop our services, systems and relationships with you;Understand our customers' requirements;Develop and test products and servicesWe do not disclose your information to anyone outside the Group except:Where we have your permission; orWhere we are required or permitted to do so by law; orTo credit reference and fraud prevention agencies and other companies that provide a service to us, our partners or you; orWhere we may transfer rights and obligations under this agreement.We may transfer your information to other countries on the basis that anyone we pass it to, provides an adequate level of protection. In such cases, the Group will ensure it is kept securely and used only for the purpose for which you provided it. Details of the companies and countries involved can be provided on request.From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object, you will consent to that change.We will not keep your information for longer than is necessary.Sensitive InformationSome of the information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions). We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to carry out the services described in your policy documents. Please ensure that youonly provide us with sensitive information about other people with their agreement. 26 How to contact usOn payment of a small fee, you are entitled to receive a copy of the information we hold about you. If you have any questions, or you would like to find out more about this notice you can write to: Data Protection Liaison Officer, Customer Relations Office, RSA, Bowling Mill, Dean Clough Industrial Estate, Halifax HX3 5WA.Sun Alliance Insurance plc(No. 93792)Registered in England and Wales at St Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XLAuthorised and regulated by the Financial Servic