Backpacker COM UK 2014

8/10/2019 Backpacker COM UK 2014

http://slidepdf.com/reader/full/backpacker-com-uk-2014 1/24

BACKPACKERUSA

OZ

EUR OPE

.com

BACKPACKERTRAVEL INSURANCE COVER

2014-2015



2 Blue Insurances Voted best traVel Insurance 2005 - 2013 3

Blue Insurances Voted best traVel Insurance 2005 - 2013

sh f bfi 2014-2015 sh f bfi 2014-2015stion/Diption Pmi cov limit ex stion/Diption Pmi Pu cov limit ex

(p Inud) (p Inud) (p Inud) (p Inud)

1. cntion, cutimnt o rngmnt up o £1,500 £100 (loss of deposit £60) 1. cntion, cutimnt o rngmnt up o £2,500 £50 (loss of deposit £20)

2. Tv Dy 2. Tv Dy

i. af h 12 ho y £15 i. af h 12 ho y £20

Mximm £150 Mximm £200

ii. tip aom up o £1,500 £100 ii. tip aom up o £2,500 £503. Mid Dptu up o £500 £100 3. Mid Dptu up o £750 £50

4. Pon aidnt* Mximm bfi 4. Pon aidnt* Mximm bfi

lo of lim o sigh (ag 18 o 49y) £20,000 lo of lim o sigh (ag 18 o 49y) £40,000

Pm to dim (ag 18 o 49y) £40,000 Pm to dim (ag 18 o 49y) £40,000

dh bfi (ag 18 o 49y) £5,000 dh bfi (ag 18 o 49y) £10,000

dh bfi (u 18y) ni dh bfi (u 18y) ni

5. Mdi nd addition expn* up o £3,000,000 £100 5. Mdi nd addition expn* up o £6,000,000 £50

d exp up o £250 d exp up o £250 £50

F exp up o £7,000 F exp up o £7,000 £50

6. Pon Popty up o £1,000 £100 6. Pon Popty up o £1,500 £50

sig ai o s of ai limi £150 sig ai o s of ai limi £250

Vub limi £150 Vub limi £250

7. Mony up o £250 £100 7. Mony up o £350 £50

ch imi (o oi – g 18y o ov) up o £250 ch imi (o oi – g 18y o ov) up o £350 £50

ch imi (o oi – g 18 y) ni ch imi (o oi – g 18 y) ni

cdit cd cov up o £250 £100 cdit cd cov up o £750 £50

8. Ppot, lin nd Tv Doumnt 8. Ppot, lin nd Tv Doumnt

tv dom up o £250 tv dom up o £350 £50

rpm of Ppo up o £250 rpm of Ppo up o £250 £50

emgy Ppo tv up o £250 emgy Ppo tv up o £250 £50

9. Pon libiity* up o £2,000,000 £200 9. Pon libiity* up o £3,000,000 £200

10. Ov lg expn up o £10,000 £200 10. Ov lg expn up o £15,000 £200

11. Pogmm cot up o £750 £100 11. Pogmm cot up o £1,500 £50

Wihi 28 y of ommm Wihi 28 y of ommm

12. rumption of Jouny £250 £100 12. rumption of Jouny up o £500 £5013. Int ri Tikt up o £250 £100 13. Int ri Tikt up o £500 £50

14. Topi Di sning & Ttmnt up o £200 £50

14. Topi Di sning & Ttmnt up o £250 £30

15. shdud aiin Fiu up o £1,000 £100 15. shdud aiin Fiu up o £2,000 £50

Option cov (avilble upon pyment of dditionl premium)

(p Inud) (p Inud) Option cov (avilble upon pyment of dditionl premium)

(p Inud) (p Inud)

16. Wint spot 16. Wint spot

ski eqipm Hi* £300 (£30 p y) ski eqipm Hi* £400 (£40 p y)

lk of sow* £400 (£40 p y) lk of sow* £500 (£50 p y)

avh co* £400 £100 avh co* £500 £50

17. exm Fiu £500 £100 17. exm Fiu £750 £50

* th Inud i o ov sio 4, 5, 9 o 16 fo Wint spot ivii

iio pmim h pi ov i how ig opiv i h Poiy sh /

Viio ifi.

* sio 16 17 opio ov. cov wi ppy oy if h ppopi iio pmim h

pi ov i how ig opiv i h Poiy sh.

* th Inud i o ov sio 4, 5, 9 o 16 fo Wint spot ivii

iio pmim h pi ov i how ig opiv i h Poiy sh /

Viio ifi.

* sio 16 17 opio ov. cov wi ppy oy if h ppopi iio pmim h

pi ov i how ig opiv i h Poiy sh.



4 Blue Insurances Voted best traVel Insurance 2005 - 2013 5


Impott coditio rtig to Hth

not: Th oditio opt i pt of h Id Pod thi Tvig compio (if y) t th tim th Poiy iphd o th Hoidy i bookd whihv i tt.

coditio ppib to Tv1)a. th Id Po hi Tvig compio m :

i) ivig wiig f mi m hpi ig hm; ii) wiig f ivigi f, h f y

ivigi, mi m gi p, f yii, whh ig ig.

iii) hig k pi mii, h f pi mii.

iv) vig gi h vi f Qid Mdi Ptitio; v) vig i mi, mi m;

vi) vig wih mi ii; vii) g 50 v h im f i.

b. sj 1 v, if h Id Po hi Tvigcompio h y p-xiig ii, hy m g ppvi wiig fm hi Qid Mdi Ptitio h hy v f kig hi Hoidy. P vf Mi cii whih qi mpi f h Midi Fm.

c. th Id Po, y ig hi hf, m w h im f kig f y why y Hoidy migh i.

d. th Id Po, y ig hi hf, m yig hi Piy f h Hoidy h .

e. th Id Po h :i) f i, h i f w, imp pi m , i h g f f,

mp f, h pvii f miig impifmi wih i f;

ii) vi f, hv pi pig f, y ffivvig ihy f y ki.

F. chid g 18 y wi i y if hy vig:i) i h mpy f (i.. m chid

hi Piy) kw hi p() (h h

gi h, g iviy ip); ii) mpi mi h i vi whih

p mpi mi hm, h y if hy vig wih h ii f jiig, ig qy ji y, h i hi Piy.

Impott ccoditio with gd to th hth of co rtiv o of2)yo o whom th Hoidy might dpd.not: Th p-qimt opt t th tim th Poiy iphd o th Hoidy i bookd whihv i tt.

a. cv wi ppy f im D To co rtiv y

whm h Hoidy p hvig:i) p-xiig Mdi coditio h p’

Qid Mdi Ptitio h, h fPiy ph ip kig (whihv i ) h/h whv i ikih f h p’ iiiig h g y i im im. If h Qid Mdi

Ptitio wi m hi, y im iig fm p-xiig Mdi coditio wi x.

ii) mi pgi,iii) y f ympm wh igi h m; iv) y Mdi coditio f whih h co rtiv i

wiig i f h kwg f h f gy,m ivigi hpi, ii ig hm.

atomtiy aptd Mdi codition: cmpi f h Mi di Fm i y f h ii.

i) th fwig Mdi coditio v miy p y u pvi

h h Id Po h m h FIVe f h ii imy

h h ‘Imp cii rig Hh’ m:

a am sm t,

ahi t Ijy, a,

ayx (Igwig t-i),

ai, agi rhiii,

api, a Fi/Fi,

appmy, aigmim,ah’ F (ti Pi),

ai di Hypiviy

di

B b’ Py (Fi Pyi),

big Pi egm,

b Ifi ( gig

m, hpi

mii), bphii,

bi, bk t d,

b Fim, b

cy(), b egm/

ri, bk b

(h h h pi) -

( g i p), bi

(Hx Vg), bii,

c c si,

ciii ( vgi),

cp t sym,

cig Ijy, c,

cvi ei, cviii,

chzi, chik Px (fy

v), chymy,

chi fig ym

(if y ympm i fig

hpi mii),ci di, c s

(Hp simpx), cmm

c(), cjivii,

cipi, c Gf,

cmi sgy, cy

b, cy ti, cyii

( gig m,

hpi mii), cy

(fy v, hpi

mii),

D d & c, df Mim,

df, d sgy,dmii ( hpi

mii i),

dvi n spm,

dih / Vmiig

(v), dii

cg, dii

( ji pm

hpi mii), dy ey

sym, dyppi,

e e Ifi (v

m pi v

if yig), ezm ( hpi

mii i),

evi Pyp,eviii, emi

Pyp, epiiymii, epiph

(Wy ey), epipi,

epixi (n),

eyhm nm, ei

tm

F Fi nii (tigmi

ngi), Fi Pyi

(b’ Py), Fm Hi,

Fim, Fii

ui, Fimygi,

Fimyii, Fiii,

Fz sh

G G b rmv,

Ggi, G Fv (f

vy m), Gm,

G e (v m

pi v if yig),

Gi, G, Gv’ di,

Gmm() i (G

e), Gymi

H Hmm (x),

Hmhimy,

Hmhi (Pi), Hx

Vg (bi), Hmmt, Hy Fv, Hi (

Hi), Hp simpx

(c s), Hp Z

(shig), Hip rpm

( q hii

v y ii f ji

pm), Hiv (n

rh), Hmi’ K

(bii), Hrt (Hm

rpm thpy),

Hyphyiim (oviv

thyi), Hyppi,Hyphyiim (uiv

thyi), Hymy

(pvi migy)

I Impig, Iigi,

Iz (f vy

m), Igwig t-i

(ayx), Igi Hi,

Imi, I ngi

( mii), Iig,

Ii bw sym (Ibs)

(pvi i igi

m gig

ivigi)

K Kik’ di,K, K Ijy

c/ i igm,

K rpm (

q hii v

y ii f ji

pm), Kh di

l lyihii, lygii,

lig difi,

lphix, lm,

lih P, ligm

(ijy), lipm

M M dgi,

Mii, Mimy

(v m

pi v if yig),

Mp, Mhgi,

Migi (pvi i

igi m

gig ivigi),

Miig, M(),

Mm cgim,

Mygi ephmyii

(Me) (if h y ympm

i fig hpi

mii), Myxmn n Ifi, n

Pyp(), n rh (Hiv),

ngi ( hpi

mii), n(),

nygm

O og-h’ di,

ohii, oi,

oviv thyi

P Pmii, Pii,

Pvi Immy di,

Phmi, Pi,

Piyii r, P ViFig sym (if h

y ympm i fig

hpi mii),

Pgy (pvi

mpii), Piky H,

Pp u (wm),

Pii, Pii ( hpi

mii i)


http://slidepdf.com/reader/full/backpacker-com-uk-2014 4/24 6 Blue Insurances Voted best traVel Insurance 2005 - 2013 7


Itodtio

th Id h k im p f h Piy mk hy m hi h hy h m, ii xi. If h Id wih hg yhig if h i yhighy , hy h h iig g.

I agmt

th Id I g h:th Id wi py h Pmim.W wi j h m, ii xi f hi Piy, pvih I i h m h x i hi Piy. aifmi ppi u y h Id h ip i h i f hi Piy.thi Piy, h Piy sh, sh f b m, ify, h gh y w xpi whih pi mig h h h h x hwiqi h mig whv i my pp.

Finni svi compntion shm (Fscs)

W v y h Fii svi cmpi shm (Fscs). Yo my i mpi fm h hm i h iky v W m O igi Yo. thi p h yp f i,iz f h i h im f h im. Fh ifmi h mpi hm gm i vi fm h Fscs(www.f.g.k).

agd By

thi xiv v i h gi y b Ilimi, sffk H, t s, ciff cF10 5dt .

b I limi i g y h c bk f I j imi gi y h Fii c ahiy. di h x f gi y h Fii c ahiy vi fm q.b I limi g f h i i ig pmim,h mi m h y h i wih whih Yo ii p.

Mt ctit nmb thi vi f i i m h h p wh hv pih pppi pmim i h M ci m

blue/MaPFre/bkpkvi.m/2014. Piod of cov thi m y i vi vi f i wh i ii i ji wih vii i i w 01.06.2014 31.05.2015 f hiy jy mmig p 31.05.2016.

Titoi limit a 1 th ci f ep w f h u Mi, Mi,

cy I, I, h az, Mi I -ep i ig h Mi (xp agi,l, liy, ai)

a 2 ai/nw Za 3 Wwi iig h ci xig th ui s

f ami, c, ak Hwiia 4 Wwi iig th ui s f ami, c, ak,

Hwii h ci

ii) th fwig Mdi coditio v miy p y u pvi h

h Id Po h m h one f h ii h p-xiig Mdi

coditio.

athiti (Jvi, Otothiti, rhmtoid o Poiti athiti, rit’ sydom,

rhmtim):• th m hv no hpi mii wihi h 12 mh.

• M not ff h k m h y h f h y.

• n m h 2 mii.

• n miiy i (h h wkig ik fm).

• th m hv no ii f y ji pm.

• M not wiig gy.• M hv no g pm/piy i.

athm (Whzig):

• th m hv no hpi mii eVer.

• M hv ig pi g 50.

• M wih m h 2 mii (no i, no hm xyg).

• M hv -mk f 12 mh.

• M wy wk 200 y h wih mig h f h.

Dibt Mit (sg Dibt):

• typ 2 (n-Ii-dp di Mi) y.

• c y i y m h 1 mii ( Ii).

• th m hv no hpi mii ii mpii eVer.


Hyphotomi (High/rid choto):

• n m h 1 mii.

• M not h ihi (gi) fm.


Hyptio (High Bood P, Whit cot sydom):

• n m h 2 mii.• th m hv hg i m wihi h 6 mh.


Hypotio (low Bood P):

• M not i wih y yig ii.

Otopooi (Otopi, Fgi Bo):• th m hv k wihi h 5 y.

• th m hv no v (k) f.

r rpiiv si Ijy,

riii Pigm, rhiii

(agi), r, rp

t

s spig-phii,

si, sp rigwm

(ti cpii), shm’

di (pvi

piy i), s

cy, shig (Hp Z),

siii, ski rigwm

(ti cpi), sp

ap ( mhi

i hig), s th,

spi, sigmim, s mh

bg (v), s im

(sqi), s Ii

( iy ifi)

T tip (c F),

t Ijy, ti ew,

tyvii, tmii

f Pgy, ti

epiiymii, ti

Hy, ti Vi,

ti cy, ti

ti (twi ti),

th Ifi(), thh,

thyi oviv, thyi

diy, ti cpii

(sp rigwm), ti

cpi (ski rigwm),

ti Pi (ah’ F),

tii, tiii, th

exi, thh,

t ligm, tii

(Wy nk), tihmyi,

tigmi ngi, t’

sym, twi ti

u umii Hi,

uiv thyi,

u

ti,uhii (fy

v, hpi

mii), urtI (upp

rpiy t ifi)

(v, fh

m), uii, ui

Pyp(), ui Pp

V Vi, Vi Vi -

g y, v y

ii (if GP h m

h i i v),

Vmy, V, Viiig

W W (ig, -

gi), Wm Pp

(), Wy nk

(tii).


http://slidepdf.com/reader/full/backpacker-com-uk-2014 5/24 8 Blue Insurances Voted best traVel Insurance 2005 - 2013

9 Blue Insurances Voted best traVel Insurance 2005 - 2013

Impott cott Dti

emgy Mdi exp im

Tpho: +44 203 362 2423

Oth cimtph: 0203 362 2424

Fii Ombdm svitph: 0800 0234 567 0300 123 9 123emi: [email protected]: www.i-mm.g.k

B I limitd t/ BkpkTvI.omsffk H, t s, ciff cF10 5dtt: 0844 871 0259e-mi: [email protected]

P kp thi Poiy i f p.It my b dd fo f if im i md.

additio svi

th Id my h i h fwig vi whih y ip f p f hi Piy:

1. Kow Bfo Yo Go

I ii wih h ‘Kw bf Yo G’ cmpig, W wkig wih h Fig & cmmwh of (Fco) hpv y f v.bf h Id g v, hy h hk h Fcowi www.gv.k/f. I i pk wih i v vi ip, p-- y ifmi.P : thi Piy v y Tip ivvig v wh h Fig cmmwh of h vi gi ‘v’. If h Id i whh h i v wig fhi ii, p hk h Fco’ wi.

2. eHIcIf h Id i vig ep hy h i epHh I c (eHIc) k i wih hm wh hy v.If h i vi im f mi xp hi Piy, W winot h x wh h f h im h yig eHIc.th Id h ppy f eHIc i hp://www.hi.g.k/If y ifi wih h i ppii fm, h m vi 0300 330 1350.

Poiy Ditio

£m biih P sig

abodm i h uitd Kigdom

aidt & aidtm ii vi x v whih hpp yh whih xp, vi xp vwh.

aommodtio m aommodtio f p xig h i whihh Id w w hv yig ig h f h Tip.

agggt limit m h mximm m h W wi py p evt i hi

y h pii i y u h Id.

ay O cim m iig fm q p h m igi , v im.

Bodiy Ijym ijy whih i y y aidt m whihipy f I y h , wihi 12 mh fmh f h aidt.

ctio/ctimt cotm f v / aommodtio (iig ki hi,ki h ki if p if h ii pmim f Wit spot v h pi) whih Id h pi i py whih v fm y h .

chid/chid m h Id wh i h ld Id’ / hi Pt’ hi, phi, gy p hi hi f whm hld Id h Pt i h P lg Gi. t vy hi Piy, h chi/chi m:

1) mpyig h ld Id vii h uitd Kigdom ;

2) mi; 3) p h ld Id h Pt; 4) v 3 mh 18 y ; 23 y h

mmm , if i i F-tim edtio.

cim()ig i f D To v y hi Piy.

co Bi aoit

m y p wh fm i f m mpy h m im h h Id pv h ppii f h i.

co rtivm Pt, mh, fh, i, h, gh, , gp,ghi, p-i-w, -i-w, gh-i-w, i-i-w, h-i-w, , , i, phw, p p, p hi, p i, ph, f hi, g gi, x f ki é/ é.


http://slidepdf.com/reader/full/backpacker-com-uk-2014 6/24 1 0


1 1


compitio of Pgy d chidbithm y f h fwig y:· txmi (xi i h )· Gi i (i iig f pgy)· Gi hypi (high p iig fpgy)· P-mpi (wh Yo vp high p, y mi hv pi i Yo i ig h hf f pgy)

· epi pgy ( pgy h vp i f h )· M pgy hyiifm m ( pgy i whih mvp fm h p i)· P-pm hmhg (xiv ig fwig hiih)· ri p mm (p f h p i f hi ih f ivy)· P pi (p f h p p fm h w fh )· Hypmi gvim (xiv vmiig f pgy)· P pvi (wh h p i i h w p f h v p f h vix)

· siih· Miig· emgy c i· a mii f mi · Pm ih m h 8 wk ( 16 wk if Yo kw Yo hvig m h y) f h xp ivy

Dthm h y Bodiy Ijy (ppi si 4 - Pai y).

D Toiy iiy y, iig ig fm, i i wih.

efftiv Timm h im, ig Piod of I, wh h Id iv – i i h sh.

evtm i f iig f iy i y , xp, pi v ig ii

im p.

exm h m f h vy cim h h Id m py, hw i h sh, f h i f h Piy.

F Tim edtiom pgmm f ig pvi y gi i y,whih qii y xmii m whih i ih:1. f-im y; 2. mix f y wk xpi g w hi

f h im f h i p y.

Hopitm y ihm whih i gi i mi gi hpi i h y i whih i i wh h Id i h pvii f Qid Mdi Ptitio.

Hopit comtay i pi f 24 h m ig whih im h Id h Hopit.

Im y i, i, mi mpi Mdi coditio whihi aidt Bodiy Ijy whih i y Id.

Iidtm hppig i i.

I-ptitm Id wh Hopit comt i i pi, f whm ii h p whm i y f h mi , igi m f I ijy v y hi Piy my f y fm fig, v, hiii, x-.

Iovy of Tv o aommodtio Povid

m h ivy f y v gm k i h uitdKigdom ( fmig p f iiv Tip iy) iig:sh ii;H;c fi;Vi’ a & g;riwy jy iig h e;ch jy;ci;c hi;

cv i / mpi / mi hm;cmp ;sfi;exi;e;thm pk h diy Pi.c ig fm h ivy f h kig g i i i.

Id/Yo/Yoth p p m i h Piy sh.

IMaPFre aii cmpñí Ii sg y rg, siaim. 5h F, aph H, 24 lim s, l ec3M 7Hs.

I Dtm h h hw i h Piy sh fm whih vmmm.

ld Idm h Id wh ppi f hi i hi w hf

hf f h – ypiy hi Pt / chid.

lg exp m:1. f, xp, /xp f xp wi h

im y i y h lg rpttiv i pig cim g pig f mg /mpi gi hi py wh h aidt Bodiy




1 3


Ijy i f Id i ppig iig ppgi h jgm f , i i; /

2. f whih Id i gy i fwig w f y y i f m m ii wih y cim g pig.

lg rpttiv m h ii, m f ii, wy, v h pppiyqi p m mpy ppi hf f h Id.

lo of limb m i p f:) m – mpi mp pm f -

v h wi;) g – mpi mp pm f - v

h k (-ii ji).

lo of sight m iv f igh whih h i

hvig :) i h y if h Id’ m i h gi f biP h hiy f fy qi phhmi pii

) i y if h g f igh miig f i i 3/60(whih m h h Id y h f h whihhy h my ixy f W ih h ii i pm wih xpi f vy) h s .

Mximm limitm h mximm m hw i h sh py f y Id

f biy Ijy iig fm y ai.

Mdi coditiom y i, i ijy.

n, chmi o Bioogi Wpo o agtm h f y wp vi h mii, ihg,ip, p f y i, iqi g chmi ag/ bigi ag.

Ot-ptit

m Id wh m f I ijy i m i Hopit.

Pt o lg Gdim p wih p piiiy, g gi, h igi wih h chi a 1989 y y mmmii -m f i.

Ptm1. Id’ p;

2. Id’ ivi p, gi p h civi Phipa; 3. m f ih x wih whm Id i ivig hgh hy

hi p ivi p h im f h whih ih j f im hi Piy.

Piod() of I m h pi f v w iiv f h I Dt h rt Dt hw i h Piy sh mmig 00.01

y im h Piy sh i i h i hw ihig 24.00 h hw.

d f l s tim h Id’ hw i hPiy sh.

Piod of covm;

1. Wit spot v i imi mximm f 93 y i pip.2. ci cv h piv fm h I Dt hw i

h Piy sh hi i i ff y h Id him f kig y Tip (whihv i h ) mi hDpt Dt f h Tip hw i h Piy sh.

3. oh i f h Piy h piv wh h Id v hi hm i h uitd Kigdom (whihv i h ) mm h Tip mi h im f h Id’ hi hm i h uitd Kigdom mpi f h Tip.

4. ay Tip h h y g wh h Id ph hi

i wi v.5. th Piod of cov i miy x f h pi f hy i h v h h Id’ h uitd Kigdom iviy y v i y hi Piy.

Pmty ridtm i i h i f h mh hff fy wk h y.

Pmt Tot Dibmtm im whih:

1. h f 12 mh; 2. whih i O pii i y hp f vy; 3. wi i piiy i f h mi f h Id’ if; 4. whih pv h Id fm yig y gif pi

f whih h Id i y wy f iig, i xpi.

Pmimm h m pi f i h Piy sh i pf h pi Piod of I whih i py y h Id.

Piip Id

m h Id wh ppi f hi i hi w hf hf f h – ypiy hi Pt / chid.

Pbi covym y piy i if, v, i h whih Yo k v.

Qid Mdi Ptitio m pii, gi i pi mii h w f h y i whih hy pi wh i ih:1. Id;

2. iv f h Id ppv y u.

rgmt cot m i i pig h igi Id mp h i Tip pvi h h h imi my f v h i xp i pi f higi Id h pi whih h igi Tip w i. thTip m i wihi ix mh f h igi im.




1 5


ski eqipmtm ki (iig iig), ki , ki p, w, wiig w .

Toimm , iig imi h f f vi/ h h hf, f y p gp() f p, whhig hf f i i wih y gii() gvm(), mmi f pii, igi, igi hipp iig h ii i y gvm/ p h pi, y i f h pi, i f.

Tpot i, w vhi p i f h p f f-pyig pg.

Tvig compiom p() wih whm h Id h k v ivig wih h m kig ivi.

Tip m ip abod v i, , xi Wok, whv gi i h uitd Kigdom.

Topi Dim i i , p f hvig , y iivi whi vig abod, whih i gymi wihi h uitd Kigdom, W ep, nh ami ai/nw Z.

uttdd

m wh h Id i i f viw f i pii pv hi if wih hi ppy vhi.

uitd Kigdom m eg, W, s, nh I f h pp fhi i, I f M h ch I.

u Optiom h k, i h fi, whih h Id mypfm i i wih hi pi.

W

m m i w i, ivi, f fig my,hiii (whh w ), ivi w, i, vi,ii miiy p pw.

W/u/Om h I, MaPFre aii cmpñí Ii sgy rg, si aim. 5h F, aph H, 24 lim s,l ec3M 7Hs.

Wit spotm y wi pi p iig, imi , h

fwig:1. kiig (iig ff-pi pvi h Id i mpi y

h ii f qi gi);2. ggig;3. w ig;4. i kig (h h i ik);5. ki ki ig;6. m kiig;

7. ki jmpig;8. ki ig;9. i hky; 10. h f igh k.

Wokm y wk, iig wk pm, ii wk wkxpi, ivvig y f h fwig -m igh m wk,pi pi:

a o-m wokay pfi, i miiiv wk

a stdyay y pgmm

chida pi, ny, chi mi

edtiocm th, cm ly i, Fi wk, rh

ettimt ( v if h Id’ ivih y fh Tip i p ig wk i im)Mii ig, cmi, chi’ ei

Fmig d agitFm wk ( ivvig h f mhiy)Fi pikig ( ivvig h f mhiy)

Food d Dikchf, Kih ai, b Wk, Wiig/Wiig

Hth d BtyGym, Fi, d I, Hi, bii/by tm,rxgy/amhpy, Phyihpy

spot d ativitia i P 1.5.

Toim

Gi t l, rpiv, sm/swm,Ip, c, Mm Wk, smm cmp Wkni / thm Pk Wk

Votiocvi wk (iig wiif) ivvig h fwig im:k; i; ph; i; hipppm; hk.cmmiy wk (iig pvi i i, xigh f p, mhiy pw )V wk (iig pvi i i, xig h f p, mhiy pw )

cig / ig (xig h miiig f g mii)F iig hiy wk

Oth OptioPhgph (i y), ai, c (mi igh wk y)Mk h (iig vy -kig)



1 6


1 7


ParT I

1.1 PersOns InsureD

th i i h Piy f h fwig ii m:

a. h Id m

i. i f h Pmy i i huitd Kigdom uitd Kigdom; ii. 50 g 50 y h

h Id phv

1.2 WHen cOVer OPeraTes FOr a TrIP

a. I v f ci Pt III stio 1 –ctio, ctimt d rgmt gi wh Tip

i k, if hi Piy i i f h im f kig, wh wh hi Piy i ph.

b. I h si p f Tip h kp ig h Piod of I i v iy fm h hm f h Id pvi h hm imp wihi 24 h f h uitd Kigdom.

If h f h Id fm Tip i viy y D To cim, h h wi i i wih y iipmim f h pi f h y.

c. th Piy wi x w h Id mk vii hi hm i h uitd Kigdom f hi igi i ( pi hi Piy sh) f p mximmi f 14 y xig y f whih im i igm f mgy mi pii im.cv i p whi h Id i i h uitd Kigdom - fm h im h Id hi hm i h uitdKigdom gi wh hy v hm hiv ii.

d. If h i hg hi Piy i wi gi h I Dt

hw h q Piy sh h i i hhg i v.

e. d f l s tim h Id’ hwi h Piy sh.

1.3 MeDIcal reQuIreMenTs

P-xitig Mdi coditio

W hv h igh f py y cim if h im h Id ppi f hi Piy, m f h ‘Imp cii rig Hh’ w m.

1.4 MaKInG a claIM

Typ of im

a. Mi emgy oy +44 203 362 2423

P h Mdi emgy svi (p f h v pvi Pt III stio 5 MeDIcal anD aDDITIOnal eXPenses).

cig u fi my y m.

b. oh cim

tv cim sviMi H,Wi sq,sh--s,exss1 2JYPh 0203 362 2424

t mk cim p ph wi u wihi hiy y f hii, pi fw pvi th Id’ m, Piy m.

rePOrTInG lOsT Or sTOlen PrOPerTY

Typ of ot o to popty:a. Moy, Vb Po Poptyth Id m ify h Pi wihi 24 h f ivy

pvi py f hi wi p

b. v’ hq:

th Id m ify h h g f h iig mpy

c. y ppy fm h:th Id m ify h h mgm (i ii h Pi)

1.5 sPOrTs anD acTIVITIesGraDe 1 - sPOrTs anD acTIVITIes – nO aDDITIOnal cHarGe.

th Id i v h P ai Mi expsi f h fwig ivii miy, pvi h h iviy i Iidt i th Id h Id’ iig g.

● ahy

● bmi

● b

● bk● bh Gm

● bg Jmp (1)

● cm/eph riig+

● cig (G 1 – 3) –

lif jk hm

m w

● cy Pig shig+

● cik

● cyig - hm

mm (Mi

bikig/cy tig -

G 2)

● dighy siig+● F Wkig

● Fig

● Fihig

● Fyig f pyig

pg i fy

i pg

yig if

● F

● Gaa F

● Gf

● Hikig ( 2,000

m i)

● Hky● H riig

(p 7 y, P,

Hig, Jmpig) –

wig hm

● I skig (rik)

● J big +

● J skiig+

● Jggig

● Kykig (G 1 3)



1 8


1 9


* s ivig – ivig h fwig ph. Pvi h Id i ivig hii f i iv mh, i gi. aivy, if qi, wihih gii f h v ivig iig gy gizi ivig :

● PadI op W – 18 m● PadI av op W – 30 m*● bsac o div – 20 m● bsac sp div – 30 m*● bsac div l – 30 m*

W m g wih y qiv qii. If h Id h qii, Wwi y v h Id iv ph f 18 m.

th Id wi v hi Piy if h Id v y i wihi 24 h f

piipig i s divig.

* F h pp f ivig Hz aivii: G 1.

** cv f wk ivii i i h i h dii f ‘Wk’ Piy dii. Wk ivvig h f g qipm i x - P IV G exi d.

+ cv si 9 - P lii iy f h p ivii mk wih + i x.

GraDe 2 – sPOrTs anD acTIVITIes – 50% lOaD TO cOVer allacTIVITIes Or £30 Per acTIVITY

th Id v h P ai Miexp si f h fwig ivii pvi h h iviy i Iidt i ( hwi w) j ii pmim ig pi hw h Piy sh.

Mi ex i £320P ai sm i y 50%P liiiy cv i ex

– lif jk hm

m w

● M Wk (

wk m

mii ig,

h mi, pi/

y, i wk, fi

pikig i

igh m wk

g v

xig h f pw

mhiy)**+

● Mh rig

● Myig p 125

(wih h pppi uK

my i,

wig h hm,

ig) +

● n

● n m wk

(Iig pfi

miiiv i

i y)

● oiig

● Piig +

● Pig/Piig

(v w)

● Py tkkig –

wig hm

● Q ikig p 50

(wig h hm,

ig)+

● rq

● rmig

●

riv cig (up G 3) –

lif jk hm

m w

● r skig

● r big

● r

● rwig

● rig – pi/g

i

● sfi (uK gi)

● si big

● siig wihi ii

w +

● s divig* w

30 m if qi

ivig

mpi y

qi i

( w)

● sk big

● skig

● sqh

● sg ( 14 y)

● ti

●

t op sfi● tk ev

● tkkig ( 2,000

m i)

● Vy

● W Gm +

(wih y pi)

● W P

● W skiig

● Whi W rfig

(G 1 3)

● Wig

● Yhig (ig/wig

ii ii w)+

● bxig tiig ( )● bg Jmp

(p 3 ii)● bk W rfig (G 1 4) lif jk

Hm m w● cm/eph riig/

tkkig ( Iidt)● cy tig/cyig

Hoiy - hm m wo

● G Kig (pifi )● H riig – wig hm ( P, Hig, Jmpig)● H ai big – gi p i

y ( Iidt)

● Hig● J skiig

( Iidt)● Mi a (tiig y)● Mi bikig - hm

m w● Pig/Piig

(v w, Iidt)

● rmig/tkkig

w 2,001m 4,200m● sfi

(-uK gi)● s divig* (

Iidt/w 50mif qifi ivig mpi

y qifi i( w)

● s cig – lif jk Hm m w● s Fihig ( Iidt)● sfig● tm skyiv

(p 2 jmp mximm)● tih● Whi W rfig

(G 4) – lif jk Hm m w● Wkiig/Wifig/ skig ( Iidt)

* s ivig – ivig h fwig ph. Pvi h Id i ivig hii f i iv mh, i gi. aivy, if qi, wihih gii f h v ivig iig gy gizi ivig :

● PadI op W – 18 m● PadI av op W – 30 m● bsac o div – 20 m● bsac sp div – 35 m*● bsac div l – 50 m*

W m g wih y qiv qii. If h Id h qii, W wi y v h Id iv ph f 18 m.

th Id wi v hi Piy if h Id v y i wihi 24 h fpiipig i s divig.

* F h pp f ivig Hz aivii: G 2.

GraDe 3 – sPOrTs anD acTIVITIes – 100% lOaDInG TO cOVer allacTIVITIes Or £75 Per acTIVITY



GraDe 4 – sPOrTs anD acTIVITIes – 200% lOaDInG TO cOVerall acTIVITIes Or £100 Per acTIVITY



● aiig● ami F● cig (G 4) – lif jk Hm m w● Giig● Kykig (G 4) – lif jk Hm m w● Myig v 125

(wih h pppi uK my i, wig h hm,

ig)● Pgiig● rmig/tkkig

w 4,201m 6,000m (pfiygi Tip wihxpi p,

mximm g 45 y)● rgy● s Yhig● Yhig (ig/wig)

i ii w – lif jk m w● Zip liig/tkkig (fy h m w)



2 0


2 1


Mdi emgy d rf svi

IMPortant: tHIs Is not PrIVate MedIcal Insurance. IF tHeInsureD reQuIres MedIcal treatMent tHe InsureD Mustcontact us IMMedIatelY. IF tHe InsureD does not do tHIs,We MaY reJect a claIM or reduce Its PaYMent. IF tHe InsureD reQuIres MedIcal treatMent In australIatHe InsureD Must access tHe beneFIts ProVIded under tHerecIProcal HealtH care aGreeMent betWeen tHe australIanand tHe unITeD KInGDOM GoVernMents. IF tHe InsureD doesnot do tHIs, We MaY reJect a claIM or reduce Its PaYMent.

W wi pvi h Id wih h fwig vi, i mgy,wh h h i Tip abod.

If h Piy v vi im y f h si i P III(.g. mi xp if h Id h Qid MdiPtitio) h Id wi v h pym.

th Id m u f iig y v hisi.

a. Mdi f pvii f h m f Qifid Mdi Ptitio, hpi,ii i wh i mi qi, gm f Qifid MdiPtitio , , if y, f hId mi hpi.

B. rptitio if h Qifid Mdi Ptitio ppiy u iv m i h uitd Kigdomi pf, f wi g y gh p vi, y i m vi if m g m /

pii i qi ig h jy.

c. Pymt of Bi If h Id i mi hpi abod,h hpi ig Qifid MdiPtitio wi pymf hi f p h Piy imi wi g h h Id hv mk h pym fm hi w f.

ParT II

MeDIcal eMerGencY anD reFerral serVIces

PHOne: +44 203 362 2423

th vi hi si y vi ig Tip abod.

● cyig● Hg Giig● High divig 5m

(xig iff ivig)● H Jmpig – wig hm ( P,

Hig)● Ki sfig● Mi lighig● Phig● Piig/Pig

(v ,

Iidt)● rk cimig ( 2,000m)● rk smig ( 4,000m)

D. Dgrpmt

i wih h fwig:pm f g h ii.mii; k pipi g ii., whih i abod ig ivy f mpi iii.ppi

W wi py f h pm fy im h f ig ivig ppi.

e. Tmiio ofgt Mg

iv i i

F. upvidchid

i. gii f mpyig chid’ hm, wih i why, if h chid i f pvi h Id h Id’ Pt(if hw i h Piy sh) hpii ipi.ii. mi vi miig, i hId h Id’ Pt hm,if chid wh h f i h uitdKigdom m i ff ijy.

ParT III

secTIOn 1. cancellaTIOn, curTaIlMenTOr rearranGeMenT

a. cov

W wi py:

1. ctio, ctimt rgmt cot p h mhw i h sh f bfi if i m y , i g Tip D To:

i. h h, i ijy, i, mpii i pgy( ig y Qifid Mdi Ptitio pii

i i) f h Id, co rtiv, Tvigcompio y p p whm th Id’ ipp;

ii. h mpy qi, h f ig QifidMdi Ptitio, f h Id Tvig compio pvi h h i, im gm ifim miy y y ig Qifid MdiPtitio;

iii. Pbi covy ig i fv wh, ii i, mhi kw gm h y x 24 h;

iv. jy vi p f h Id Hijk f h vyi whih h h i vig;

v. Yo Yo Tvig compio ig m , g Yo h wkig Yo p f mpym f miimm i pi f w y, h h im wh



2 2


2 3


Yo ph hi i h im f kig y Tip,h w iv h Yo w m .thi v w ppy if Yo f-mpy pvy y;

vii. i mg mkig h Id’ hm ihi;

viii.h p f h Id ig qi y h Pi fwig gy mp gy hi h hm.

B. exio (G exio ppy w)

W wi py:

i. ctio, ctimt o rgmt cot wh hi im h fim miyy y Qifid Mdi Ptitio;

ii. ctio, ctimt o rgmt cot wh hi, im gm fm Mdicoditio ffig co rtiv Tvig compio,

y p p whm h Tip p if. h ii w ig f hi Piy w gh; . h im hi Piy w gh, h ig ii

y hv xp ii. h, i ijy i; ii. ii i hh.

iii. if ik ii i i pi kwg wh hi Piy ik Tip i k;

iv. if if, v i i wihw fm vi h f h gi gy hiy i y y;

v. if h Id i xp wi if hi hpi w my qi c ;

vi. if h Id w mpy kw hy migh mmpy h im kig w m hi Piy wgh;

vii. if y h v fii ii i i,im gm f Tip;

viii. h ex hw i h sh f bfiix. y , hg xp D To:

) y i ifyig h p, v g, p aommodtio pvi h i i y

kig;) iiii g Tip; ) phiiiv gi y h gvm f y y;

x. hg xp pi f ihg wih y ki fpmi vh;

xi. if h Id, y h Id, w w f y ,ih h im Tip w k h im h Idph hi Piy, why h Tip migh hv ;

xii. if ip i h f gi m y ygvm pi hiy.

xiii. ivy f h v aommodtio pvi.

xiv. th f y v i pg y (aPd) hg my h ii p f Yo kig, atol pif y miii f i i h f h fighkig f p.

xv. ay im iig fm Yo fi iv Yo ip pi i im h Pbi covy whihYo k v Yo k Yo hm hh mk iv v gm h Yo vii.

secTIOn 2. TraVel DelaY

cv hi si ppy Tip wihi h uitdKigdom

a. cov

If h Id i y f 12 h h jy h h p f Pbi covy i ff y ik, ii i, v wh, mhikw/gm, gig f if mhi f, W wi py:

i. p h m hw i h sh f bfi f h fif 12 h y f h q f 12 h y p h mximm fi hw i h sh f bfi;

ii. p h m hw i h sh f bfi fctio, ctimt o rgmt cot if Tip i f y f 24 h f h hp fm h uitd Kigdom.


W wi pyi. h ex hw i h sh f bfiii. ii v aommodtio xp f ctimt

d rgmt cot wh h m f p / aommodtio i f pi h f h jy Tip;

i. if h Id :) hk-i f h h p im hw hi

h v iiy; ) pvi u wih wi i fm h ii, hippig

mpy, h i p iig h gh f, f, h y;

ii. if if, v, h i i k f vi h ii f civi avii ahiy, P ahiy imi hiy;

iii. if ik ii i y xp wh Tip i k hi Piy w gh;

iv. hg xp pi f ihg wih y ki fpmi vh.

secTIOn 3. MIsseD DeParTure

cv hi si ppy Tip wihi h uitdKigdom.

a. covW wi py p h m hw i h sh f bfi fy aommodtio v xp

h Id h hi h h ii if h h iv h ip, p, h i i mm k jy fm h uitd KigdomD To:h h h i ig f v kig w ig ivv i i; h Pbi covy h h i ig f v fiig iv h.



2 4


2 5



W wi py:

i. aommodtio v xp wh h m f p/ aommodtio i f pi h fh k jy Tip:

ii. if h Id pvi igi wi:) vi fm mig gii gg h h

f v i why ppy mii; ) i fm h p f pi p f v

f h gh f, f, h y;iii. h ex hw i h sh f bfi;iv. if h Id h w fi im f h jy;v. f mi p y ik ii i h

y xp wh h Tip w k hiPiy w gh.

secTIOn 4. PersOnal accIDenT

a. cov

If h Id iv Bodiy Ijy ig Tip W wi py p hm hw i h sh f bfi f:

i. h:ii. lo of sight lo of limb; iii. Pmt Tot Dibmt

b. exio (G exio ppy w)

W wi py:i. m h f h m Bodiy Ijy;

ii. if h, iiiy i D To i y phyi f,ijy i whih xi f h Tip;

secTIOn 5. MeDIcal anDaDDITIOnal eXPenses

s P II f g f Mi emgy svi pvi y u

whih v hi si.

ripo Hth DtioIf h Id i vig ep hy h i epHh I c (eHIc) k i wih hm wh hy v. Ifh i vi im f mi xp hi Piy, W wi not h x wh h f h im h y ig eHIc.

th Id h ppy f eHIc i hp://www.hi.g.k/If y ifi wih h i ppii fm, h

m vi 0300 330 1350.If h Id i vig y i h ep emia, h Id my cim k m f h fy mi m h Id qi – h nHs Hh wi hp://www.h.k/hg/Hh/pg/Hh.px

cv hi si ppy Tip wihi h uitdKigdom

th Id m u f iig y v hisi.

IMPOrTanT: THIs Is nOT PrIVaTe MeDIcal Insurance. IF THeInsureD reQuIres MeDIcal TreaTMenT THe InsureD MusTcOnTacT us IMMeDIaTelY. IF THe InsureD DOes nOT DO THIs,We MaY reJecT a claIM Or reDuce ITs PaYMenT.

IF THe InsureD reQuIres MeDIcal TreaTMenT In ausTralIaTHe InsureD MusT access THe BeneFITs PrOVIDeD unDer THerecIPrOcal HealTH care aGreeMenT BeTWeen THe ausTralIananD THe unITeD KInGDOM GOVernMenTs. IF THe InsureD DOesnOT DO THIs, We MaY reJecT a claIM Or reDuce ITs PaYMenT.

a. covIf h Id i ij m i (iig mig i D Tocompitio of Pgy), ig Tip abod, W wi py p h m hw i h sh f b

i. f mi xp xig xp, mi piixp v xp h h i, iig pixp;

ii. xp h h i f h if f pi y.

Mi xp m f y hpi, gi h igim, giv pi y Qid Mdi Ptitio, i hg f yig i hpi ig hm.

rpii m :) hi y u

) y mi g; h uitd Kigdom.

iii. f ii v h xp iig h f y h p if h Id h mpi mivi chid hm;

iv. f f xp fw if h Id i:) f mi i hg i h y i whih h

h i; ) p hi h y h k h uitd

Kigdom.


W wi py:

i. y m v ni Hh svi ipgm;

ii. f y m fim miy y;

iii. y xp i i h Id’ y f i;

iv. y ii vig xp hi y u if hId h hm i h p pifm Tip;

v. f mi m h h Id v abod i;

vi. f mii h Id i kig f whih h h wihv i kig ig Tip;

vii. f gy, mi, pviv m whih y i h pii f h Qifid Mdi Ptitio



2 6


2 7


ig h Id i h h h uitdKigdom;

viii. f xp h h f h if f pi y;

ix. y ii f ig piv m aommodtio;

x. ii v h xp i whih hv hiz i v y u;

xi. mi i i h uitd Kigdom;xii. h ex hw i h sh f bfi xp wh h

Id h i i i h f mi xp iep ui i y ig ep Hh I c.

not: a oigi ipt mt b kpt d povidd to ppot cim.

secTIOn 6. PersOnal PrOPerTY

DeFInITIOnsth fwig w ph wi hv h m pi mig i hi

si whv hy pp i yp mm wih pi. aii dii pp i pi si Gdii, i i P I ppy w.

Po Poptyy i, k i f imi ki i , yi w i y h Id h i Mobiity aid whihi x b. exi.

rpi d rpmt coth f piig piy mg ppy, , if ppy

i y y mi pi, h f pig ppy w i f w, pii. (n: W wi py ppi f h v f pi pi p im h i pf pi.)

Vbm h phgphi qipm, p i,ai/Vi qipm, (iig i, /mp i py,Ip, mp3 mp4 py, m, dVd, vi, vii h imi mi vi py, mi ph, i vigi

qipm, mp gm qipm (iig , gm piph), jwy, wh, f, pi mi-pi i m f iig g, iv h pi m.

a. covi. If Po Popty i , mg ig Tip, W

wi py rpi d rpmt cot p h m hwi h sh f bfi.


i. W wi py

) h ex hw i h sh f bfi;

) m h h imi sh f b f ig im,pi , p f pi ;

) m h h imi sh f b f gf , g i;

) m h h imi sh f b f Vb i wi y py if h Vb y hId i fy pi x h im hy ,mg ;

) f y im fm vhi hyw i h k f h vhi i h ggg p h f k hhk p v f viw, h i vi f f y;

f) hf i p h Pi ( h h

mgm if h hf i h) wihi24 h f ivy W pvi wih py f higi wi Pi p p h hmgm ppi;

g) f , hf mg :

I. Po Popty m piy i v y h i Piy;

II. Po Popty f uttdd i pi p III. Po Popty i h y f ii h

ci h mg i p i wiig h ii h ci wihi 24 h f ivy W pvi wih py f h igi wiii ci p;

IV. Po Popty D To kig pw i iwihi h Id’ ggg

V. hh g, , g,, hig i, pipi g, mp mhi, , ii

m f y ki; VI. iq, mi im, pi, ypwi, p

mi ph, mp, mp qipm(iig imi Pda, p gi,pp, Ip, k, k h ik), i vigi qipm, vii, pqipm whi ig (xp f Wit spot qipm if Wit spot v i hw v h Piy sh), vhi hi i,wf iy qipm, g, hi imi fgi im p y;

h) f pii i v, m w , ig hig, mg y mh vmi, i, i mhi gm, mg mphi imi ii;

i) f y, i, iz i y m hfi.

secTIOn 7. MOneYDeFInITIOnth fwig w wi hv h m pi mig i hi siwhv i pp i yp mm wih pi .aii dii pp i pi si G dii, i i P I, ppy w.



2 8


2 9


Moym i, k , p my , ig v hq h hq, f i, v ik, -f ppiy ik, p p h ppi p whih g i h y f Id i f v,m, aommodtio p xpi y.

a. cov

W wi py

i. p h m hw i h sh f b if Moy hy h Id f hi w p i ig Tip whi:

) ig i y h Id; ) f i f fy pi x.

ii. p h m hw i h sh f b if h Id i i iy f i, i hg ig ig Tip qy ig fy y y p h h:-

i) h Id; ii) mm f h Id’ fmiy.

sPecIal cOnDITIOns aPPlYInG TO THIs secTIOn i) l hf f Moy i, i hg Must p h pi ( h h mgm if h hf i h) wihi 24 h f ivy W Must

pvi wih py f h igi wi pi p p h h mgm ppi. ii) h m ii whih h i, i hg h i m hv fy mpi wih.


W wi py:

i. h ex hw i h sh f bfi;

ii. m h h imi sh f b if h i i 18

y ;

iii. f y, i, iz i y m hfi;

iv. hf i p h Pi ( h hmgm if h hf i h) wihi 24 hf ivy W pvi wih py f h igi wiPi p p h h mgm ppi;

v. f v’ hq:

) h hf i p immiy h h g f h iig mpy;

) if h iig mpy pvi pm vi;

vi. f pii i v hg y mii.

vii. f m h h imi sh f b i i f y cim i p f f mg Moy fmi f i, hg k .

secTIOn 8. lOss OF PassPOrT/DrIVInG lIcence/TraVel DOcuMenTseXPenses


a. cov

W wi py:

up h m hw i h sh f bfi v pm ii v aommodtio y h Id i w pp, ivig i h v m fwig h hf f hi h igi m ig Tip


W wi py:

i. f y, i, iz fii y m hffii;

ii. hf i p h Pi ( h hmgm if h hf i h) wihi 24 hf ivy W pvi wih py f h igi wiPi p p h h mgm ppi;

iii. f pp/ivig i/v m whiuttdd y im (iig i vhi i h y fi) pi i h f fy pi x.

secTIOn 9. PersOnal lIaBIlITY

a. cov

W wi v h Id gi m (f i f h ex)whih h h i gy i py mg i p f:

i. i iy ijy (iig h, i i) yp;ii. i f mg mi ppy;

whih ig h Piod of I iig f h Tip.

th mximm h W wi py hi si f mg f y i f iig iy iiyfm igi h h m hw i h shf bfi (hf h limi f liiiy).

W wi i ii py c exp.

c exp h m:i. xp v y im fm h Id;ii. xp i wih O wi ;iii. ii’ f f pi y ’ iq f

i iqiy i y c f smmy Jiii;

i f hi h hi s i i h i h I d’ h f f c i



3 0


3 1


i p f y whih hi si ppi - xp h ip f hppig i cim g pig gh igiig i h ui s f ami c y hiy wihi h jiii f ih h y, c expi i i., ii. iii. v m i i h limi fliiiy.


W wi pvi imiy:

i. h ex hw i h sh f b

ii. iiiy i p f iy ijy y p wh i:. f vi wih h Id wh h

ijy i f i h f hi mpym yh Id;

. a mm f h Id’ fmiy.

iii. iiiy i p f f mg ppy i h y f h Id.

Hwv hi exi h ppy i p f f mg iig hi gig mpiy pi y h Id i h f h Tip.

iv. iiiy i p f iy ijy, mg iy iiy i i wih whip, pi f y h Id f:. mhiy pp vhi (h h gf ggi

gf pi ); . if, hvf wf (h h my

pp wf h 30 f i gh i w);

. m (h h pig g);

v. iiiy i p f iy ijy, mg iy iiy i i wih:. h whip, pi f iig h

h y iig mpiy pi y h Id ih f Tip;

. y wif mii ; . h yig f y i pfi;. ivii v wk gi y, h

pi f, hi, vy, f p, i imi gii wh iiiy f h ivii wk h y i wihi hgii’ w Pi liiiy Piy.

vi. y iiiy m y h Id y gm h iiiy w hv h i h f h gm;

vii. piiv xmpy mg;

viii. W

c. coditio ppyig to thi stio

i. mii, ff, pmi imiy h m wihO whih h i k v i

h Id’ m h f m f y cim p i h Id’ m f i w y cim fimiy mg hwi h hv f ii ih f y pig i h m f y cim h Id h giv ifmi i W my qi. evy , cim, wi, mm p h fw u ip. Wi i h giv u immiy h Id h hv i f y pi iq i i wih y im whih my giv i

iiiy hi si.

ii. W my y im py h Id i i wih ycim i f cim h limi f liiiy f hi si(f i f y m()y pi mpi) y m f whih h cim() ph pym ig m W h iqih h f fh iiiy i i wih hcim() xp f h pym f xp v i pi h f h pym.

iii. h Id h hgh hy w h Id v, f j h m, exi Pvii f hisi.

secTIOn 10. OVerseas leGalaDVIce & eXPenses


DeFInITIOnsth fwig w ph wi hv h m pi mig i hisi whv hy pp i yp mm wih pi. aii dii pp i pi si Gdii, i i P I, ppy w.

lg exp. f, xp, /xp f xp wi

h im y i y h lgrpttiv i pig cim g pig fmg / mpi gi hi py wh h

i iy ijy i f h Id ippig iig pp gi h jgm f ,i i.

. f whih h Id i gy i fwig wf y y c i f c mm i i wih y cim g pig.

lg rpttivh ii, fim f ii, wy, v h pppiyqifi p fim mpy ppi hf f h Id.

ay O cim cim g pig iig y pp gi jgmq p h m igi , v im.

a. cov

If ig Tip h Id i iy ijy i whih i

y hi py W wi py p h m hw i h sh f ii th Id h h igh ppi lg



3 2


3 3


y hi py W wi py p h m hw i h sh fbfi v lg exp iig f ay O cim.


I p f h cim hi i W wi py f:i. y cim p u m h 24 mh f h

giig f h ii whih h cim;ii. y cim wh i i O pii h h pp f

i hivig m ifi /wh h w, pi / i gi f hy i whih h ii w p hiig f ify m h f ig w ippi h v f h cim;

iii. lg exp i f ivig O pihii i wiig h w hv i q O hii;

iv. lg exp i i i wih y imi wif ;

v. lg exp i i h f gi y ivi cim

g pig m gh gi h Id cim;

vi. Fi, pi mpi mg imp y h hiy;

vii. lg exp i f y cim g piggh gi:

) h I, u O g; ) h Id’ mpy.

viii. ai w h Id p i iifi f jgm gy iig ii;

ix. lg exp i i pig y cim fmpi (ih iiviy mm f gp i) gi h mf, ii ppi fy g, mii mii;

x. lg exp hg y h lg rpttiv igy f gm;

xi. lg exp i wh h Id h:) fi -p fy wih h W fy

ifm im i i wih y cim gpig f mg mpi fm hipy;

) wihw cim i i wih y cim g pig f mg mpifm hi py wih O gm. I him W h i wihw vimmiy v y f xp pi;

xii. lg exp i f h Id h :) p ff fm hi py cim

g pig wh h ff i i y u;

) p ff fm u cim;xiii. h ex hw i h sh f b.xiv. lg exp whih W i xiv

y i.

c. sPecIal cOnDITIOns aPPlYInG TO THIs secTIOn

i. lg rpttiv m qi pi ih c f h y wh h v givig i hcim wh h pp f hi si i i.

ii. th Id h h igh ppi lgrpttiv f h Id’ hi p hId i y g iqiy g pig (pviy ppim f lg rpttiv i igy f i, wh h lg rpttiv hg ppi f h m v f).th Id h pvi u wih i f h lg rpttiv’ m . W mypvi ifmi lg rpttiv i h

Id’ if h Id k u.iii. th lg rpttiv h Id m -

p fy wih h W fy ifm im i i wih y cim g pigf mg mpi fm hi py. W i i fm h lg rpttiv y ifmi, m vi ig cim g pig hi i. o qh Id wi giv h lg rpttiv yii y h .

iv. O hii i lg exp wi giv if

h Id ify u h:. h g f pig

fig h cim g pig hlg exp wi ppi h vf h cim g pig;

. i i f lg exp pvi i pi . th ii ghii wi k i h piif h lg rpttiv w h fO w vi. If h i ip, W myq, h Id’ xp, pii f i h mi f h cim gpig. If h cim i mi, h Id’ i iig hi pii wi v y hiI.

v. If h i y ip, h h i p f hmiiiiy f cim whih O ii i , hip wi f ig i wh wi ih ii i g y pi, fiiggm, wh i mi y h Pif h pppi lw siy. th py gi whm hii i m h m h f h ii if. If h ii i y m gi ih pyh i h hv h pw ppi . If hii i m i O fv, h Id’ h v h I.

vi. W my O ii m y im f ycim g pig i h m f h Id fmg mpi fm hi py.

vii. a cim wihi hi i m mi u iwiig wihi 24 mh f h ii whih hcim.

viii. ay lg exp i O wi gm hi u wihw v immiy vy f xp pi h Id.

ix. W my O ii qi h Id i h xp f h Id pii f ig y h Id u whh h g f iig p fy cim g pig. W wi py h xpif h pii ii h h g

f pig fig h cim g pig B exio (G exio ppy w)



3 4


3 5


f pig fig h cim g pig.x. W my O ii ff -im

gi h Id whih i i i f iig y cim g pig fmg / mpi y hi py.

xi. th Id h pi f h pym u f m pi y u i p f h lg exp wh:. w f i m i fv f h Id i

h cim g pig; . g pi h Id p f

y m f h cim g pig.xii. If i f i i, wh h I i

h i f h hi py pp f h cim g pig, h Id h h igh ppi h lg rpttiv i wih spi cii 2 f hi si.

xiii. If h lg rpttiv f i ig fh Id wih g if h Id imih lg rpttiv wih g h v

W pvi wi , W g ppih lg rpttiv.

secTIOn 11. PrOGraMMe ParTIcIPaTIOncOsTs


a. cov

W wi py:

th Id p h m hw i h sh f b i pf:i. th Id’ f piipi i h Id’ wk pgmm, if

ig pi f 28 y mmig h Id’ p fmh uitd Kigdom h Id cti hi Tip hh, Bodiy Ijy i f:

) th Id;

) h Id’ Tvig compio; ) th Id’ co rtiv i i h uitd Kigdom; ) th Id’ co Bi aoit i i h uitd

Kigdom;ii. th Id’ f pipi i h J1/wk pgmm, if ig

pi f 28 y mmig h Id’ p fm h uitd Kigdom h Id i i mpym i f h Id ig fih si siy m ppiv mpy f h fi f h gvm h Id h i.

sPecIal cOnDITIOns aPPlYInG TO THIs secTIOni. th Id m pvi mi p fm G Mdi

Ptitio m h h Id w piip i hiv Wok pgmm.

ii. th Id m i hii fm u f hy cti hiTip.


W wi py:

i. th ex hw i h sh f b;ii. h f h Id’ igh hm h hi igi igh ik w hm h uitd Kigdom h qi im;iii. cim iig iy fm h Id’ fi mpy wih h

imp ii ig hh hw pg 4.

secTIOn 12. resuMPTIOnOF JOurneY


a. cov

W wi py:

th Id p h m hw i sh f b f h f h igh whih k h Id k h ii wh h Id’ igi Tip m h Id’ igi Tip if:

i h Id Tvig compio ff Bodiy Ijy i pi h pvii f hi Piy h uitdKigdom ;

ii h Id h ip h Id’ Tip h uitd Kigdom h h, Bodiy Ijy i f hi co rtiv i i h uitd Kigdom.

sPecIal cOnDITIOns aPPlYInG TO THIs secTIOni. h Id m mm h Id’ Tip wihi 21 y f h

Id’ h uitd Kigdom.ii. h Id’ pi mm h Id’ Tip m

hi y u.

Please nOTeIf h Id h Id’ Tvig compio Hom f i Bodiy Ijy h Id, h Id’ Tvigcompio co rtiv, h i v f h i BodiyIjy Mdi coditio, h Id mm h

Id’ Tip y i f hi i Piy.


W wi py:

i. th ex hw i h sh f b.ii. cim iig iy iiy f h Id’ fi

mpy wih h imp ii ig h Id’ hhhw pg 4.

secTIOn 13. lOss/sTOlenInTer raIl TIcKeTs


a. cov B. exio (G exio ppy w)



3 6


3 7


a. cov

W wi py:

th Id, p h m hw i h sh f b, f hi f, hf f h Id’ I ri tik.

sPecIal cOnDITIOns aPPlYInG TO THIs secTIOni. th Id my im y si fw:

i) thi si 13; ii) si 7 – My; iii) si 8 - l f Pp/divig li/ tv dm exp.ii. th Id m p h Pi, i h y wh h

ii , wihi 24 h f ivy pi fh i wi p f h , hf mp hf f I ri tik. a tip rpiv p i fi.

iii.rip f im , mg pf f whip h i h wi hp h Id i h Id’ cim.

iv. P i v ik g f mii if cim i m hi Piy.


W wi py:

i. th ex hw i h sh f b.ii. l f, hf f I ri tik f uttdd y im (iig

i vhi i h y f i) pi i h f fy pi x.

iii.l y, i i y m h hiy.

secTIOn 14. TrOPIcal DIsease screenInG& TreaTMenTOn reTurn TO THe unITeD KInGDOM


a. cov

W wi py:

h Id p h m hw i h sh f b f mixp iy i i gig pi mi ig m Hopit h gi piiig i igf Topi Di ppv y u, p h Id’ hm h uitd Kigdom fwig:i. h Id gig i-pi -pi mi mabod f p Topi Di; ii. ip f f f Qid Mdi Ptitio i h uitdKigdom i f pig h h Id h Topi Di ig i h uitd Kigdom ig h Piodof I.

sPecIal cOnDITIOns aPPlYInG TO THIs secTIOnth Id m hv i h y vii pi v ii wih iiy p mmi h hpvi y h c f di c (cdc) biih sihaviy p.


W wi py:

i. f mi xp i f m gy f whihOmivi / h pppi Qid Mdi Ptitio hHopit h gi ppv yuiv i i.

ii. y i h Id h hm, h h

h f h g m wih h Hopit h gi ppv y u.

secTIOn 15. scHeDuleD aIrlIneFaIlure

cv hi si ppy Tip i h uitd Kigdom.

a. cov

i. Iv m pi i v i h v f ivy f hh ii pvi fmig p f pkg hiyg y p pi p;

ii. I h v f ivy f h h ii f Yo p:

) ii p i y Yo i pig h p f hfigh gm imi h igiy k;

) if ctimt f h hiy i vi h f figh h uitd Kigdom imi h igiyk.

B. exio (G xio ppy w)

i. th ex hw i h Piy sh.ii. sh figh k wihi h uitd Kigdom.iii. sh figh k hgh v g

i wih h ii.iv. th fii fi f: i) y h ii i hp 11 i qiv, f

whih h f ivy w pi kwg, h hii i ff y Yo h Yo Tip w k.

ii) y h ii wh i i wh (v ifh i iffii m h im);

iii) y v g, gi, kig g iwih whm Yo hv k h figh.

secTIOn 16. WInTer sPOrTs

tHIs sectIon Is OPTIOnal; It aPPlIes onlY IF It Is sHoWn asInsured on tHe scHedule and tHe addItIonal PreMIuM Has beenPaId. (see General eXclusIons – WInter sPorts).

PartIcIPatIon In WInter sPorts Is lIMIted to a MaXIMuM oF 93daYs In total Per trIP.


a. cov ki jmpig, ki ig, i hky, h f igh



3 8


3 9


W wi pyi. p h m hw i h sh f bfi f h f 24

h pi i i y f h Id hi Wit spotqipm f Wit spot qipm h i:

) k i aidt; ) mip y ii h i h w

jy fm h uitd Kigdom y f

12 h f h iv f h Id hi hii;

ii. h m hw i h Piy sh f h f 24 hpi h Id i ki h i k f w ih p-k iv kiig vi;

iii. p h m hw i h sh f bfi f h fp gi y h p iv i if vh i h f kiig fiii (xig y kiig) i h Id’ i i pi ki.th v ppi y:

) h whih h Id h p-k f pi

f 12 h f g h ii pvi h , xig h pk pi f h

Id’ Tip; ) Tip k i h uitd Kigdom ig h

pih ki f h Id’ .

th Id m i wi fimi fm hi mgm f h pi ii, fimig h f hfiii h ppi.


W wi pyi. f y, i, iz i y m h

fi;

ii. hf i p h Pi ( h hmgm if h hf i h) wihi 24 hf ivy W pvi wih py f h igi wiPi p p h h mgm ppi;

iii. m h h m hw i h Piy sh;

iv. p h m hw i h sh f b f h f p gi y h p iv i if vh i h f kiig fiii (xig y kiig) i h Id’ i i pi ki.th v ppi y:

) h whih h Id h p-k f pi f 12h f g h ii pvi h , xig h p-k pi f h Id’ Tip;

) Tip k i h uitd Kigdom ig hpih ki f h Id’ .

th Id m i wi fimi fm hi mgm f h pi ii, fimig h f hfiii h ppi.

v. if cim i D To piipi i mpiiv wi piig, imi , ki ki ig, m kiig,

j p g, g, y, gk.

vi. th ex hw i h sh f b.

secTIOn 17. eXaM FaIlure

tHIs sectIon Is OPTIOnal; It aPPlIes onlY IF It Is sHoWn asInsured on tHe scHedule and tHe addItIonal PreMIuM Has been

PaId.


a. cov

W wi py:

th Id p h m hw i h sh f b fii v aommodtio xp i y h Id

f ig h uitd Kigdom k pi iviyxm h h Id’ ii, pvi v wi f h Id h Id’ iii xm.

sPecIal cOnDITIOns aPPlYInG TO THIs secTIOn

i. h Id m g fi xm p i h Id’ cim.


W wi py

i. th ex hw i h sh f b.ii. exp i if h f h Id’ xmii kw

vi h Id pi h Id’ igi p h Id’ kw pi kig h Id’ Tip.

iii.exp i if hy m h h f h igh g yu h i y h Id (whihv i h ) ifh Id h p h igh g y u.

iv. th f h Id’ igh Hom h h Id’ igi ighik w h Id h uitd Kigdom h qiim.

v. exp i if h Id’ h uitd Kigdom i ip f pj wk whih fm p f h Id’ xm .

ParT IV M. Wit spot



4 0


4 1


ParT IV

4.1 General eXclusIOns(exio tht ppy to th who Poiy)

W wi i mk y pym hi Piy wh y vh w hwi i i D To

a. ai Tvi v, h Id;

i. i vig f-pyig pg i fix wig ifwhih i pvi y i ii i h mpy;

ii. h pi h pppi ii pmim f h fm f iv (.g. h i ig) hw i h Piy sh.(s P 1.V sp aivii)

b. cyy xhg.

c. Ig aty ig f h Id.

d. M Wokm wk ivvig h f g qipm.

e. Mi of aoho/Dgi. mi f h v y h Id;ii. g ig y h Id xp f g whih ppy

pi; iii. h Id ivig vhi f y ki whi h h v i

hi h x h g imi f h y wh h h i ivig.

F. Pyhoogi coditiop mi i ym y pyhgi pyhii ii ig f Tip gi.

G. rditioi. iiig ii mii y iiviy fm y

f fm y w ig fm h mi f f;

ii. h iiv, xi, xpiv h hz ppi f y

xpiv my mp f h my.

H. soi Wvp wv fm if h i vi vig i pi p.

I. spot d ativitisp aivii xp wh pmi y P 1.5.

J. spifid dii. xy mi i.

K. siid/f-ijyi. ii, mp ii i f-ifi ijy y h

Id g f h f hi m hh; ii. f-xp g xp i mp v

hm if.

l. WW y f W whh W i

Wit spot h WInter sPorts si i hw v h Piy sh; y mpiiv wi p, iig imi, ki ki ig, m kiig, ki jmpig, ki ig, i hky, h f igh k.

4.2 General cOnDITIOns(coditio tht ppy to th who Poiy)

a. cottthi Piy, h sh h sh f bfi y ifmipvi h iig g wi gh .

b. lg Itpttio d lggc gii w h pi hi h whih w i ip hi Piy. th Id u g h:

i. hi Piy wi gv ip i wih hlw f eg W y h egih c wi hv

jiii i y ip; ii. mmii f i i wih hi Piy h i h

egih gg.

c. Obvig Poiy Tm & coditioW wi i mk y pym hi Piy if h Id hi h p piv() v ffi i tm,exi cii.

d. Th Id’ dty to void o miimi cimth Id m k iy fg gi

, mg, aidt, ijy i hgh h Id w i. If W iv h Id h k fppy, h cim my pi. th im i hi Piym mii i g ii kp i g pi.

e. IttW wi py i y fi py hi Piy pym h y y y u fwig ip f hqi ifi, ifmi vi y pp hcim. Wh i m py y u i wi fm h f fi ip f h ifi, ifmi vi.

F. Oth TxW qi ify h Id h h x my xiwhih imp y u.

G. O ight to hg PoiyW v h igh mk hg, h Piy m / hg h m py f hi i: i f g, gy xi ; ii f w iy gii f pi.

H. Thid Pty rightth Id u hv g h i i i f y hi py hi hv h igh f h m f hi . thId u i vy h m f hi wih h f y hi py hi , wh migh k hhy hv igh h c (righ f thi Pi) a 1999

4.3 cancellaTIOn W qi iig mi ifi ig y Qifid MdiP i i P i h



4 2


4 3


a. ctio withi 14 dyth Id my hi Piy wihi 14 y f ip f h Piym (w i) y wiig h iig g h hw h Piy sh/ Vii cifi. ay pmim ypi wi f h Id pviig hy hv v im h m i i m ii iky giv i im h . th Piy wi wih ff fmi f i.

b. ctio ft 14 dyth Id my hi Piy y im f 14 y f ip fh Piy y wiig h iig g h hw h Piysh/ Vii cifi. If h Id f 14 y pmim f wi m.

c. ctio by uIf W g wih ff hi Piy hi Piy W wi wi h Id h W hv f h Id. W wi h h Piy 30 y f h f i . If W h Piy W wi f y pmim h Id pi f h pi pvi hy hv m im h Piy ig h pi f i.

d. ctio fo no Pymt of PmimW v h igh hi Piy immiy i h v f pym f h pmim i h v h h pym i m yf f i/i h pym mh h hPiy miy m vi.

4.4 Dual Insurance

If h im f y ii whih i im hi Piy, hi h i vig h m , mg, xp iiiy W wi py m h i ppi h ( ppi h Pai si). u h Mi exp si h Id’ piv hh i (if y) m py h fi m i hiPiy W wi mm v h imi h h

4.3 claIM PrOVIsIOns

a. th Id m:

i. notify u immdityt mk cim p ph wi u wihi hiy y f hii, pi fw pvi h Id’ m, Piy m.

ii. athoi u to tk ovhi u / O g ffii k v h higf y mi cim, iig pmiig qiig u / O g ffii hv v mi , if cim i m hi Piy;

iii. sppy dti & domtppy hi h w xp y ifmi, vi ip

Ptitio, Pi p h p;

iv. Pott poptyk p p y im ppy fm fh mg v y i;

v. sd u mmo, wit t u y igi wi, mm, g p h p

iv i i wih cim immiy i i iv wihwig i.

b. th Id m h fwig wih O wigm:

i. admit ibiitymi iiiy, ff pmi mk y pym;

ii. Dipo of itm

hwi ip f y im ppy f whih cim i igm, y im ppy u.

c. eh Id m gi O igh :

i Py, pi o p

h ih py h m f cim ( y ex p y Piy imi) pi, p i y im ppy h img, ;

ii Ipt & dipo of itmip k pi f y im ppy f whih cim iig m h y vg i m;

iii Hd cim i th Id’ mk v wih h f m f y cim i hId’ m kp y m v;

iv Py i Bitih Pod stig cim i biih P sig;

v B imbd pompty im wihi 30 y f y xp h i hi Piy, whih W py h Id, hi h hf;

vi riv mdi tifit ppi h xp f h Id wih pppi igi miifi f pyig cim P III si 1, 4 5;

vii cy ot mdi xmitio

q y mi xmii ii p-mmxmii, if h w w u k f , O xp.

viii rptit wh ppopit

O ii pi h Id pvi h i mivi h y.

d. W wi i py cim my h Piyimmiy i ih f h fwig im:

i Dihotyif cim i i y wy ih;

a. Yo Piy?b a im Yo Piy?



4 4


4 5


if cim i i y wy ih;

ii Fdif h Id y ig hi h hf, f m fi hi Piy.

PaYInG claIMs

Dth

If h Id i 18 y v, W wi py h cim h f h Id h ip giv u y h Prpiv h f ihg f iiiy y u i pf h cim.

If h Id i mi, W wi py h cim h Id ifhy Pt. If h mi i Pt W h mk hpym hi Pt o lg Gdi. th Pt, Pt

o lg Gdi’ ip h f ihg f iiiy yu i p f h cim.

a oth cim

If h Id i 18 y v, W wi py h cim hId hi ip h f ihg f iiiy y ui p f h cim.

If h Id i mi W wi py h cim h mi ifhy Pt. If h mi i Pt W h mk h

pym hi Pt o lg Gdi f h f hmi. th Pt, Pt o lg Gdi’ ip h f ihg f iiiy y u i p f h cim.

cOMPlaInTs PrOceDures

If Yo hv f mpi, i i imp h Yo kw h W mmi pviig Yo wih xpi v f vi m . W i h hig g wg h my i wh Yo f h W hv pvi h vi Yo

xp. Wh hi hpp, W w h i h W y p hig igh.

Who to cott?th m imp f i gig Yo mpi wih qiky

fiy pi : - Yo kig h igh p, ; - h Yo givig hm h igh ifmi.

Wh Yo cott u: - P giv u Yo m ph m.

- P q Yo Piy / im m h yp f PiyYo h. - P xpi y iy h f Yo mpi.

s W gi y ihig Yo pi f :

stp O – Iititig Yo compitd Yo mpi :

b. a im Yo Piy?If a, Yo h g wh Yo Yo Piy. If b, Yo

wi th cm ri Mg MaPFre ai,Mi H, Wi sq, sh s, ex ss1 2JY.

W xp h h mjiy f mpi wi qiky ifiyv hi g, if Yo i, Yo k h ifh:

stp Two – If Yo rmi DitidIf Yo i ii Yo my f Yo h Fiiomm svi (omm).th Fii omm svish Qy Pz183 Mh Wle14 9srPh: 0800 023 4567e-mi: [email protected]

th omm i ip y h i mpi g i p h i vi.I wi y i mpi f W hv pvi Yo wih wimi h O i mpi p h xh.P h Yo hv ix mh fm h f O pi whih f Yo mpi h omm. rf homm wi ff Yo igh k g i.

O Pmi Yo- akwg wi mpi qiky.

- Ivig qiky hghy.- Kp Yo ifm f h pg.- d vyhig pi v Yo mpi.- l fm O mik.- u ifmi fm mpi iy impv O vi.

c mi.

Dt Pottio noti

W wi i p ifmi fm Yo. thi m yifmi i fm Yo i i wih vi ppvi Yo y u ( O iii). Ifmi i wfy i wih h d Pi a 1998. W wi Yo p i h fwig im:• m, p impv O m ;• iify mk p vi h my f i Yo;• y vp O ihip wih Yo;• hp i pig y ppii Yo my mk;

• mg mii Yo Piy, iig wiig im hig. thi my i iig i h i, gyhii, O g wh pvi vi Yo hf.• f h yig i f ii im ;• f h yi h pvi f f;• f h yi h pvi f pym f; • f ii i y u / y i gii i ep.

Yo hy xpy wiv h qim i wh Yo i f y u

udwit



4 6


4 7


i f y u.th p ifmi Yo giv u h ifmi Yo f h vi my y u h mpi i O gp Yo y , ph -mi h p vi hmy i Yo.W wi y i Yo p ifmi hi pi if:• I i y f h pfm f Yo gm wih u; • If Yo hv giv Yo ;

• If h i i qi pmi y w.Yo my u h Yo wih iv ifmi fm u O gp mpi h vi p y hi pyvi p. If Yo w pf iv hi ifmip wi b I, sffk H, t s, ciff cF105dt.sm f h p ifmi qi fm Yo my iivifmi (h ifmi hh imi vii) Yo. W wi iiv ifmi Yo xp f h pipp f whih Yo pvi i pvi h vi i i hPiy. Yo m h Yo y pvi iiv ifmi

h pp wih hi gm.t i wih f pvi i W my:• h ifmi Yo O gp, wih h i ,wh W i h d Pi a, h pi h w fm gi• p Yo i i ppii im hkigym, why i my hk gi ifmi h y h i ppii im hkig ym h wih hi• hk Yo i wih f pvi gi , if Yo giv uf i ifmi W p f, W wi hi

wih h f pvi gy h gii my h h :) Hp mk ii i i vi f Yo mm f Yo hh) Hp mk ii m, hh, i, if h ipp im f Yo mm f Yo hh) t , v , pv f mg Yo ipii) chk Yo iiy pv my ig, Yo fih uwih h ify pf f iiy) uk i h ii f h.

Yo i pym f f iv py f h pifmi W h Yo. thi wi ifmi h Yo hvgiv u ig Yo Piy. W h y ifmi ig Yo i . If Yo w ik py f Yo ifmi, pwi u b I, sffk H, t s, ciff cF105dt.W hy fm y iiiy f y im if Yo fi f h hi py, whih i pv u fmpviig v hi Piy.Yo g W wi h P d ig h epci gi ig h y i h i ppv y

h ep ci hmg i wih h ep uirgi i d Pi.If Yo v i h eea i, Yo g h i f Yo my f i h eea i xivy fh fm f O igi hi Piy i pvi Yo wih h pvii q my h wih O pvi fvi i h y wh Yo vig.

thi i i wi y MaPFre aii cmpñí Ii

sg y rg, si aim. 5h F, aph H, 24 lim s,

l ec3M 7Hs. cmpy nm: Fc021974. bh nm br008042. tig

h m MaPFre ai.

W (MaPFre aii) hi y h diió G sg y F

Pi j imi gi y h Fii c ahiy

h Pi rgi ahiy.

di h x f gi y h Fii c ahiy hPi rgi ahiy vi q.

MaPFre aii cmpñí Ii sg y rg, s.a. h

i h ui Kigm (ig MaPFre ai) h gi f 5h

F, aph H, 24 lim s, l ec3M 7Hs. MaPFre aii mi

f i i spi whih fm p f h eea (ep emi a)

mm . th Kigm f spi i pi f ig h i

iviy f MaPFre aii s.a., hgh h spih Miiy f emy h

ty, piy h G di f I M Pi

F (diió G sg y F Pi). I h i h ui

Kigm i h ui Kigm Fca (Fii c ahiy) Pra

(Pi rgi ahiy) pvii i i ii ig h

ep ui rgi.

Documents

Backpacker COM UK 2014