Gold Account Worldwide Travel Insurance

Gold Account

Worldwide Travel

Insurance

Current

accounts

Your travel insurance policy.

Please take time to read this policy document as it contains important information.

To help you understand what you are covered for at a glance, we’ve highlighted some common

questions such as:

• Who’s covered by this policy?

• Do I need to tell you that I’m travelling?

• Do I need to tell you about any medical conditions?

• What’s the maximum trip length?

• Are trips in the UK covered?

• Are business trips and winter sports covered?

• How do I make a claim?

You can find answers to these questions on pages 2 to 4 of this document.

Welcome to your Gold Account Worldwide

TravelInsurance.

Please take time to read this policy document as it contains important information. If you

have a questionand cannot find the answer in this policy document, please contact Gold

Membership Services on 0345 835 3834.

Known event:

Your Gold Account Worldwide Travel Insurance covers you

for unexpected and unforeseen events and circumstances, for

example, if you have an accident while you are on holiday and need

urgent medical treatment this will be covered.

There is no cover in relation to any event, incident or

circumstances if, at the time you opened your Gold account or

booked your trip (whichever is later), youknew that, or you could

reasonably be expected to have known that:

• the event or incident had already occurred or was going to

occur; or

• the circumstances existed, or were going to exist,

and the event, incident or circumstances could reasonably be

expected to affect your travel plans.

For example:

• you would be reasonably expected to know of any event, incident

or circumstances that had been widely reported in the media in

the UK at the time you booked your trip or opened your account

(whichever is later).

• there is no cover for cancellation of your trip if your travel

plans are disrupted because flights are cancelled or any

government or authority closes their borders, or imposes

restriction of movement and these cancellations or restrictions

were in place or had been announced at the time you opened

your account or booked your trip (whichever is later).

Please refer to General Exclusion 11.

Unrecoverable costs:

Your travel policy provides cover for unrecoverable costs. If you

need to make a claim for travel, accommodation or related costs

which you or any insured person has paid, we will consider claims

for your costs which are unrecoverable from your travel and/

or accommodation provider or agent, your debit/credit card

company, PayPal, ABTA, ATOL (or similar organisations).

For example, if your trip is cancelled by your tour operator or

booking agent you may have a right to arefund for some or all of

the cost of your trip.

If you are not able to recover all of your costs and your

circumstances are covered by the terms of your policy we will

consider costs you have been unable to recover.

When you make a claim, we may ask you for:

• proof of booking and any costs paid;

• details of any refund you have been able to obtain;

• evidence that you are not able to recover your costselsewhere.

Please check this policy booklet carefully to ensure that you

understand what is and isn’t covered.

Who is covered by this policy?

Cover is for the account holder(s), and their partner who lives

with them (providing they are under 80 years of age) as well as

their children under 12 months of age. If the account holder

does not have a partner, cover is extended to include one of their

unmarried, dependent children under 24 years of age and still

in full time education. Childrenare only covered when they are

travelling with the account holder, the account holder’s partner or

another adult.

If you need cover for additional travellers, we may be able to

provide you with an upgrade. Please read the ‘Upgrades’ section

on page 21 for further details.

All insured persons must be residents of the UK, Channel Islands

or the Isle of Man.

Do I need to tell you that I am travelling?

No, you don’t need to tell us that you are travelling, unless you

want to purchase an upgrade to extend the cover provided by

this insurance (please read the ‘Upgrades’ section on page 21for

further details).

Do I need to tell you about any medicalconditions?

If you, or any other insured person, have a medical condition and

it is not shown on the list of ‘Accepted conditions’ you need to

a trip, whichever is later. You may need to purchase a medical

upgrade. Please read the ‘Your health’ section on page 26 for

further details.

What is the maximum trip length?

Trips should be no longer than 45 days and must start and end

in the UK, Channel Islands or Isle of Man. When booking your

trip you may be able to purchase an upgrade to increase the trip

length to a maximum of 279 days.

Are trips in the UK covered?

Yes, holidays in the UK, Channel Islands and Isle of Man are

covered when they include at least two consecutive nights in

pre-booked holiday accommodation. There is no cover for trips

taken in the UK where you are staying with friends or family

intheir home.

Are business trips covered?

Yes, we will provide cover if you travel outside the UK to carry

out tasks relating to your business. Wedo not cover any trips

involving manual work or physical labour. We will also provide

cover for your own portable business equipment if it is lost, stolen

or accidentally damaged. Please read the ‘Business travel’ section

on page 37 for further details.

Are winter sports trips covered?

Yes, winter sports holidays are covered for up to a maximum of 31

days in any calendar year. Please see the ‘Winter sports’ section

on page 38 for further details.

Can I claim for cancellation of my trip if I have a

problem with my travel documents, e.g. my passport

is out of date or my visa is not valid?

No. There is no cover under this insurance for problems with your

travel documents before you leave. If your passport or visa is lost,

stolen or damaged while abroad there is cover in this situation.

Please see the ‘Baggage and personal money’ section on page 36

for further details.

Before you book a trip, check the entry requirements of the

country you intend to visit with the local government embassy and/

or the Foreign, Commonwealth and Development Office website

www.gov.uk/travelaware

How do I make a claim?

To make a claim please call the relevant helpline shown on page

5. We have included a table showing what information you need to

provide us with for the most common claims, this is shown on pages

7 and 8. You should also read the relevant section of this policy

document for the full details of what you need to do.

Travel insurance helplines.

Gold membership services

Use this helpline if you want

to purchasean upgrade and

forgeneralpolicy enquiries.

0345 835 3834

If you need to call us from abroad

orprefer not to use our 0345

number, you can also call us on

0044 (0) 203 284 1584.

Lines open:

8am–8pm Monday to Friday, 8am–6pm

Saturday and 10am–4pm Sunday and Bank

Holidays (excluding ChristmasDay and

New Year's Day).

Outside of those core opening hours TSB

AVA customers can be supported digitally

through the customer HUB pages online

at www.aviva.co.uk/tsb/travel

Textphone 0345 835 3843

Lines open: 24 hours a day, seven

days a week.

24-hour emergency

medicalassistance

If you are injured or fall ill while you are

away, please contact this helpline.

Within the UK

01603 603 710

Outside the UK

0044 1603 603 710

All lines open: 24 hours a day,

365days a year.

Travel claims

Use this helpline to report any travel

claims, which are not as a result of a

medical emergency.

Within the UK

0345 835 3834

Outside the UK

0044 (0) 203 284 1584

Lines open:

8am–6pm Monday to Friday.

Legal Expenses Claims

and Advice

Use this helpline to report any legal

expenses claims or if you require advice

for any personal legal problem that may

lead to a claim under this policy.

Within the UK

0345 835 3834

Outside the UK

0044 (0) 203 284 1584

Lines open:

24 hours a day, 365days a year.

Travel assistance

This helpline can assist you with a wide

range of travel advice before and while

you are away. Please don’t use the Travel

Assistance helpline for policy queries

or claims.

Within the UK

0345 835 3834

Outside the UK

0044 (0) 203 284 1584

Lines open:

24 hours a day, 365days a year.

Telephone call charges

and recording

The cost of calls to 01, 02 and 03 prefixed

numbers are charged at national call

rates (charges may vary depending on

your network provider) and are usually

included in inclusive minute plans from

landlines and mobiles. For our joint

protection telephone calls may be

recorded and/or monitored.

Travel assistance helpline.

This service can help you sort out all kinds of travel problems before you go and while you

are away. From providing information on the countries you are visiting, to sorting out non-

medicalemergencies.

Advice before you travel:

• any visa and entry permits you might need;

• any vaccination and inoculation requirements;

• what you should take with you for first aid and health;

• what currencies and travellers’ cheques to take with you, and

what the current exchange rates are;

• the languages spoken, time zones, bank holidays and climate of

countries you plan to visit;

• import and export allowances for tourists.

While travelling:

• how to replace lost or stolen passports, driving licences, air

tickets or other travel documents;

• how to trace your baggage with the airline operator if it is

delayed or lost;

• why, how, where and when you should contact local Embassies

or Consulates;

• transfer money out to you if you need it;

• cancellation of credit cards/debit cards, if lost or stolen, and

helping you to report the loss to your card provider;

• provide information to close relatives, friends or employers if

you have to go into hospital.

Other emergency services whiletravelling:

• a ‘phone home’ translation and interpretation service if you

need it in an emergency.

Please note: There is no charge for providing advice and the other

emergency service shown above. If you want us to get goods or

services for you that are not covered by a claim under this policy,

you will need to pay any fees that the provider charges and follow

the provider’s terms and conditions.

Air and Maritime Passenger Rights

For the latest advice and further details on your rights please visit:

www.caa.co.uk and search for travel problems.

www.dft.gov.uk and search for maritime passenger rights.

You should also refer to the terms and conditions of the carrier

you are travelling with. Please note – We are not responsible for

the content of other websites.

Your claim.

If you need to make a claim please telephone the relevant helpline

shown on page 5 as soon as possible. Below, we've given you some

of the most common claims scenarios.

Please read the relevant section within this policy document for

full details of cover and any evidence we may need.

Type of claim. What must I do? What will I need?

Cancelling your trip or coming

home early

See page 28.

• Check that the reason you need to cancel or come

home early is covered.

• Contact the Emergency Medical Assistance helpline

before returning home.

• For medical cancellation claims, we will send a

medical certificate for your doctor to complete and

confirm the reason for your claim.

• If you have to return home early for medical reasons

you must provide us with any medical reports given

to you by the treating doctor/medical facility.

• Evidence of your booking and the cancellation.

Missed departure for trips

outside the UK

See page 31.

• Contact the carrier or their handling agent to see

if a late arrival is possible or if alternative travel

arrangements can be made.

• Confirmation of the reason for missing your

departure from your transport provider, traffic or

police reports or roadside assistance provider.

Travel delay

See page 31.

• Check that your delay was for 12 hours or more

(or 6hours or more if your trip is 3 nights or less)

before submitting a claim.

• Written confirmation of the number of hours and

reason for the delay from your carrier or their

handling agents.

Medical emergency

See pages 32 and 33.

• Contact the Emergency Medical Assistance

helpline before any hospital admission or as soon as

possiblethereafter.

• All medical reports given to you by the

treating facility.

Type of claim. What must I do? What will I need?

Legal expenses

See page 34.

• Contact the Legal Expenses Claims and Advice

helpline as soon as you become aware of

the incident.

• We will tell you when you call if we need anything

else to deal with your claim.

Baggage and personal money

See page 36.

• Take all reasonable steps to recover lost/

stolen property.

• Report incident details to the police as soon as

reasonably possible.

• Report the loss/damage to the airline/carrier

within the timescales stated within their terms

andconditions.

• Do not dispose of damaged items.

• A ‘Property Irregularity Report’ from the airline/

carrier and your baggage tag receipts.

• Proof of purchase of the lost, stolen or

damaged item(s).

• Proof that you owned the money and its value.

• A written report from the police or any other

relevant authority.

Delayed baggage on the

outward journey

See page 36.

• Check that you have been without your baggage for

more than 12 hours.

• Report the loss to the airline/carrier within the

timescales stated within their terms and conditions.

• Written confirmation from the airline/carrier of the

number of hours delay.

Worldwide Travel Insurance Summary

Your Worldwide Travel Insurance Summary 10

Other important information about your policy 16

Travel Insurance Terms and Conditions

Definitions 18

Helpful and important information about your insurance 20

General exclusions and conditions 23

Your health – cover and exclusions for existing

medicalconditions 26

Cancelling your trip or coming home early 28

Travel disruption 30

Emergency medical and associated expenses 32

Accidental death or permanent disability 34

Legal expenses and advice 34

Personal liability 35

Your possessions 36

Business travel 37

Winter sports 38

Sports and activities 39

Optional Covers: 41

Wedding/Civil Partnership cover 42

Disability benefit following a road traffic accident

inNew Zealand 42

Golf cover 42

Complaints procedure 43

Compensation 45

What’s inside?

Your Worldwide Travel Insurance Summary.

Please ensure that you read this section carefully.

This is a summary of your policy and does not include the full terms

and conditions of the cover, which can be found from page 18 of

this policy document. It is important that you read the full policy

document carefully and keep it for future reference.

Who is the insurer?

The insurer is Aviva Insurance Limited.

What is Gold Worldwide Travel Insurance?

This policy is designed to meet certain costs that might arise in

the course of your worldwide trips.

What are the main benefits, features, exclusions,

limits and excesses?

• Travel insurance is for each Gold account holder, their

partner who lives with them and their children under 12

months of age on trips anywhere in the world.

• If the account holder does not have a partner, cover is

extended to include one of their unmarried, dependent

children who at the start date of the trip is under 24 years of

age and still in full time education. Children are only covered

when travelling with the account holder, the account holder’s

partner or another adult.

• Upgrades are available if you want to extend cover to include

an additional traveller, or for family cover. Please read the

‘Upgrades’ section on page 21.

• Cover is provided for trips of up to and including 45 days in

duration, there is no limit to the number of trips which can

be taken.

• Winter sports trips are covered up to a maximum of 31 days in

total in any calendar year.

• Cover is provided for taking part in certain leisure activities,

for a complete list of what activities are included please read

the ‘Sports and activities’ section on page 39.

The table below explains the main benefits, features, exclusions and limitations for each section of your policy. Please

read the terms and conditions for further information.

Section. What are the main

benets and features?

What are the signicant

or unusual exclusions

andlimitations?

Maximum per insured

person (unless

otherwise stated).

Excess per insured

event. (Reduced

to Nil if the Excess

waiver upgrade has

beenpurchased).

Cancelling your

trip or coming

home early

Page – 28.

Non-recoverable

costs for unused travel

andaccommodation.

Additional travel costs (if you

cannot use your return ticket),

and/or accommodation costs

necessary to allow you to come

home early.

Additional travel costs to

transport you back to your trip

destination if you wish to continue

your trip, provided the period of

your original trip has not expired

and all travel arrangements are

made by us.

Pre-existing medical conditions,

unless an insured person has

only Accepted conditions shown

in the ‘Your health’ section on

pages26 to 28; or we

have been told about them

and have confirmed they have

been accepted.

Any awareness at the time of

booking your trip, of possible

reasons that could prevent you

from travelling or continuing

your trip.

Up to £5,000. £40.

Travel disruption

Page – 30.

Travel delay

A benefit if your pre-booked

transport is delayed for more

than 12 hours (or 6 hours if

your trip is less than 3 nights

induration).

You must obtain written

confirmation of the number of

hours and reason for the delay

from your carrier or their

handling agents.

£30 for the first 12 (or 6) hour

period your transport is delayed,

and £20 for each 12 (or6)

hour period after that, up to a

maximum of £250.

Nil.

Missed departures

Cover for extra travel and

accommodation costs if you miss

your pre-booked transport.

You cannot claim this benefit if

the trip is solely within the UK,

Channel Islands or Isle of Man.

Any claim for a missed departure

for a trip which was not pre-

booked before you left the UK,

Channel Islands or Isle of Man.

Any claim if you have not

left sufficient time to reach

yourdestination.

£1,000. Nil.

Section. What are the main

benets and features?

What are the signicant

or unusual exclusions

andlimitations?

Maximum per insured

person (unless

otherwise stated).

Excess per insured

event. (Reduced

to Nil if the Excess

waiver upgrade has

beenpurchased).

Travel disruption

(continued).

Alternative travel arrangements.

A benefit if your pre-booked

transport is cancelled or delayed

for more than 12 hours, you are

denied boarding because there

are too many passengers for the

seats available or your transport

operator becomes insolvent.

You must provide evidence

from the transport operator

of the length of delay and the

reason for it.

£5,000. Nil.

Alternative accommodation

arrangements.

A benefit if you have to move

to alternative accommodation

during your trip due to

the insolvency of your

accommodation provider

or your accommodation

becomesuninhabitable.

You must provide evidence

from the accommodation

provider of the reason you

were unable to use your pre-

bookedaccommodation.

£5,000. Nil.

Emergency

medical and

associated

expenses

Page – 32.

Cover for emergency medical

treatment and, if necessary,

repatriation to the UK.

Pre-existing medical conditions

unless disclosed to and

accepted by us.

£10,000,000.

Lower limits apply for some

associated benefits.

£40.

Accidental death

or permanent

disability

Page – 33.

Death, loss of use of limbs, loss

of sight or permanent disability

following an accidental injury.

Sickness, disease, nervous shock

or a naturally occurring condition

or degenerative process.

£15,000 death (£1,000 if under

16years old).

£30,000 for loss of use of limb,

loss of sight or disablement.

Nil.

Legal expenses

Page – 34.

Cover to pursue a civil claim if you

suffer personal injury or death

during your trip.

Any costs incurred before your

claim has been accepted.

£25,000. Nil.

Section. What are the main

benets and features?

What are the signicant

or unusual exclusions

andlimitations?

Maximum per insured

person (unless

otherwise stated).

Excess per insured

event. (Reduced

to Nil if the Excess

waiver upgrade has

beenpurchased).

Personal liability

Page – 35.

Cover for your legal liability if you

cause accidental injury or death

to third parties or damage to

their property.

Claims arising from your job or

the use/ownership of animals,

firearms, motorised vehicles,

vessels or aircraft.

Up to £2,000,000 as a result of

any one event.

£40 for damage to temporary

holiday accommodation.

Your possessions

Page – 36.

Delayed baggage.

A benefit to replace essential

items which are temporarily

lost on the outward journey

from the UK.

£250. Nil.

Baggage and personal money.

Cover for loss, theft or

accidental damage to your

baggage, personal money or

traveldocuments.

Any incident not reported to

the police as soon as reasonably

possible following discovery of

the loss or theft.

Money or valuables not carried in

your hand baggage whilst you are

in transit.

Theft claims from locked

property or motor vehicles

where there is no evidence of

forcible and violent entry.

Theft claims from unattended

motor vehicles unless your

belongings are left out of view.

£2,500 for baggage, less any

amount paid for Delayed baggage

and subject to a maximum of £500

for any individual item.

Up to £500 for personal money

and travel documents including

up to £300 for cash (maximum

£100 for any insured person

aged under 16 years).

£40.

Business travel

Page – 37.

Cover for loss, theft or accidental

damage to business equipment.

Reasonable additional travel

and accommodation costs for

a colleague to take your place

on a pre-booked business trip

in the event of your death, total

disablement or hospitalisation.

Any incident not reported to

the police as soon as reasonably

possible following discovery of

the loss or theft.

Theft claims from locked

property or motor vehicles

where there is no evidence of

forcible and violent entry.

Theft claims from unattended

motor vehicles unless your

belongings are left out of view.

£1,000 for business equipment

subject to a maximum of £500

overall for valuables and £300

for any individual item.

£5,000 for travel and

accommodation costs.

£40.

Section. What are the main

benets and features?

What are the signicant

or unusual exclusions

andlimitations?

Maximum per insured

person (unless

otherwise stated).

Excess per insured

event. (Reduced

to Nil if the Excess

waiver upgrade has

beenpurchased).

Winter sports

Page – 38.

Cover for loss, theft or

accidental damage to winter

sportsequipment.

Additional benefits are also

included for the following:

an avalanche delays your arrival

or departure;

you are medically certified as

unable to ski; or

in the event of piste closure.

Winter sports equipment left

in a motor vehicle unless it is

out of view.

Hired winter sports equipment if

it is damaged whilst being used.

Theft claims from locked

property or motor vehicles

where there is no evidence of

forcible and violent entry.

£500 for winter sports

equipment owned by you; or

£400 for winter sports

equipment you have hired.

£300 for a replacement lift pass.

£200 for delay due to avalanche.

£300 for piste closure.

£500 for medical inconvenience.

£40 for winter sports equipment

owned by you.

Optional Covers – these sections only apply if you have purchased the optional upgrade

Wedding/Civil

Partnership cover

Page – 41.

Cover for loss, theft or accidental

damage to wedding outfits,

rings or gifts.

Reasonable additional costs to

reprint/make a copy of wedding

photographs/video.

Any incident not reported to

the police as soon as reasonably

possible following discovery of

the loss or theft.

Money or valuables not carried in

your hand baggage whilst you are

in transit.

Theft claims from locked

property or motor vehicles

where there is no evidence of

forcible and violent entry.

Theft claims from unattended

motor vehicles unless your

belongings are left out of view.

£1,500 overall for wedding

outfits and accessories.

£250 for each wedding ring.

£1,000 overall for wedding gifts,

including £150 for cash.

£750 overall for photography/

video costs.

£40 for baggage.

Disability benefit

following a road

traffic accident in

New Zealand

Page – 42.

A weekly benefit if you are

temporarily disabled following an

injury sustained in a road traffic

accident while travelling in a hire

car in New Zealand.

Any claim if you are not in gainful

employment or occupation and

you are not necessarily confined

to your home, a hospital, nursing

home or similar residential

care home.

£250 per week for a maximum

of 52 weeks.

Nil.

Section. What are the main

benets and features?

What are the signicant

or unusual exclusions

andlimitations?

Maximum per insured

person (unless

otherwise stated).

Excess per insured

event. (Reduced

to Nil if the Excess

waiver upgrade has

beenpurchased).

Golf cover

Page – 42.

Cover for loss, theft or accidental

damage to your golf equipment.

Cover for green fees if you have

to cancel your trip or come

home early.

Any incident not reported to

the police as soon as reasonably

possible following discovery of

the loss or theft.

Golf equipment if it is damaged

whilst being used.

Theft claims from locked

property or motor vehicles

where there is no evidence of

forcible and violent entry.

£1,500 for golf equipment.

£300 for green fees.

£40.

Family cover

See ‘Upgrades’ section

on Page – 21.

Extends the standard policy

cover to family members.

Cover is limited to dependent

children who are unmarried, in full

time education and aged under 24.

As per each policy section. As per each policy section.

The following are the main general exclusions and conditions that apply to the whole policy.

Please see the full details on pages 23 – 26.

There is no cover for:

• management fees, maintenance costs or exchange fees, any

travel or accommodation arranged by using loyalty or points

based schemes, timeshares or similar promotions;

• you using a motorcycle over 125cc during the trip, unless the

vehicle is owned by you and you are using it as your mode of

transport in the UK or Europe;

• any costs you have paid for any person not insured under

this policy;

• any claim resulting from you misusing alcohol or drugs or your

consumption of alcohol or drugs to an extent which causes

impairment of your judgement;

• you climbing on to, on top of, or jumping from any balcony

railing, ledge or wall, or climbing or moving across any

external part of a building or vehicle not specifically designed

for that purpose.

We can after taking a fair and reasonable view, make changes

to your policy cover and/or terms and conditions of insurance

to reflect:

• changes in our expectation of the future cost of providing

cover and administering your policy;

• changes in the law, regulation or taxation that affects us or

your policy.

Changes will be notified to you in writing at least 30days

beforethey become effective. Policy cover may be increased

ordecreased. Changes can not be made more than once in any

six month period.

You are free to cancel this policy in accordance with ‘Your

cancellation rights’ on page 17.

Other important information about

your policy.

Travel advice of the Foreign, Commonwealth and

Development Office (FCDO).

Foreign, Commonwealth and Development Office – travel advice

by country.

• Before you book a trip and travel, you should check the FCDO

website www.gov.uk/foreign-travel-advice. It is packed with

essential travel advice and tips, plus up to date information

about different countries.

• You should be aware of any travel restrictions or advisory

notices for the country you plan to visit.

• This policy provides cover should you book a trip and then need

to cancel the trip or return home early as a result of the FCDO

advising against all travel or all but essential travel, or where

British nationals are advised to return home.

We won’t cover:

• Any trip if you travel against the advice of the FCDO or any

government, or where you do not follow any advice or measures

put in place by any government or local authority in the UK or

abroad, for example quarantine rules or curfews.

• Any claim if the advice or measures were in place or had been

announced at the time of opening your account or booking your

trip (whichever is later).

Your health – what do you need to tell us?

If you have any existing medical conditions other than those

shown as ‘Accepted conditions’ in the ‘Your health’ section on

pages26 to 28, and you wish us to consider covering your

medical conditions, you need to call us on 0345 835 3834.

Please note – existing medical conditions are not covered by this

policy unless:

• you have only Accepted conditions which are shown on pages

26 and 28; or

• we have been told about them and have confirmed in writing

that they have been accepted. If we are able to accept the

condition(s), you may need to pay a premium.

1. There is no cover for any claim arising directly or indirectly

from the following:

a) Any medical condition you had when the bank account was

opened or any trip was booked (whichever is later) unless

it is shown as an Accepted condition or we have been told

about it and we have accepted it.

b) Any symptoms which you were aware of when the bank

account was opened or any trip was booked (whichever is

later) and have sought, but not yet received, a diagnosis.

c) You not taking medication that has been

prescribed to you.

d) You travelling against the advice of a doctor or purposely

travelling without medical advice when it was reasonable

for you to have consulted a doctor.

e) You travelling with the intention of seeking

medicaltreatment.

How long does your Gold Worldwide Travel

Insurance run for?

All cover under this policy will end automatically if:

1. The account holder:

• closes the bank account;

• reaches 80 years of age (on joint accounts cover continues

for the other eligible account holder and other insured

persons until both account holders reach 80 years of age);

• is no longer a UK resident;

• is believed to be or reasonably suspected by us to be

acting fraudulently.

2. TSB cancels the bank account under one of the reasons set

out in the bank account terms and conditions.

If an insured person is on a trip at the time an automatic

termination event occurs, all cover will end when the trip ends.

Eligibility.

As your circumstances may change over time, it is important

that you review the terms and conditions of this policy regularly

to check that you remain eligible and that the cover remains

adequate for your needs.

Your cancellation rights.

To exercise your right to cancel this policy you must contact TSB

to close your TSB Gold Account. While the account remains open,

cover will continue until the first of the automatic termination

events shown above occurs or if the policy is cancelled in

accordance with General condition 3.

If you have purchased an upgrade you have a statutory 14 day

period in which to cancel your upgrade. This period begins on

the date you receive your upgrade schedule. If you cancel your

upgrade within this 14 day period you will receive a full refund of

the premium paid providing you have not travelled or made a claim.

For cancellations outside this period no refund of premium will be

made unless your cancellation is as a result of switchingacccounts.

If you wish to cancel your upgrade, please call Gold Membership

Services on 0345 835 3834.

How do I make a claim?

Should you need to make a claim under this policy, please contact

the appropriate helpline shown on page 5.

How do I make a complaint?

We hope you will be happy with the service that we provide. If for

any reason you are unhappy with it, we would like to hear from you.

Please contact the Travel Claims or Gold Membership Services

helpline shown on page5. Aviva is covered by the Financial

Ombudsman Service. If you have complained to us and we have

been unable to resolve your complaint, you may refer it to this

independent body. Following the complaints procedure does not

affect your right to take legal action.

Would I receive compensation if Aviva were unable

to meet their liabilities?

Aviva is covered by the Financial Services Compensation

Scheme (FSCS). You may be entitled to compensation from

this scheme if we cannot meet our obligations, depending on

the type of insurance and the circumstances of your claim.

Furtherinformation is available from them on 0800 678 1100,

orby visiting their website www.fscs.org.uk

Travel insurance terms and conditions.

Definitions

Wherever the following words or phrases appear in bold, they

willhave the following meanings:

account holder

Any person named as an account holder on the bank account who

is under 80 years of age at the start date of the trip.

bank account

The TSB Gold account.

business trip

Travel outside the UK if the reason for your trip is to carry out

tasks relating to your business, but not trips involving manual work

or physical labour of any kind.

close business colleague

Someone you work with in the UK who has to be in work in order

for you to be able to go on or continue a trip. A senior manager or

director of the business must confirm this in the event of a claim.

close relative

Your mother, father, sister, brother, partner, fiancé(e), daughter,

son, grandparent, grandchild, parent-in-law, daughter-in-law,

son-in-law, brother-in-law, sister-in-law, step-parent, step-child,

step-sister, step-brother, aunt, uncle, cousin, nephew, niece, legal

guardian or foster child.

doctor

A registered member of the medical profession who is not related

to you or anyone you are travelling with.

excess

The amount that you will have to pay towards each claim per trip,

unless you have purchased the Excess waiver upgrade.

home

Your home address in the UK.

home territory

For residents of the UK excluding the Channel Islands and

theIsle of Man, your home territory means the UK, excluding the

Channel Islands and the Isle of Man. For residents of the Channel

Islands and the Isle of Man, your home territory means either

the particular Channel Island on which you live or the Isle of Man

depending on where your home is.

partner

The person that the account holder lives with at home in a

domestic relationship, whether married or co-habiting (as if

husband and wife), regardless of gender and who is under

80years of age at the start date of the trip.

If your partner lives at a different address, we can offer an

additional adult upgrade. Please refer to the 'Upgrades' section

for further information.

period of insurance

Each trip you make, whilst the bank account is in force, will be

treated as a separate period of insurance; individually subject to

all policy terms, conditions, declarations and exclusions.

Cover for each individual trip applies as follows:

1. Cover for cancelling your trip begins from the date of

opening your bank account, or the date of booking each trip

(whichever is later) and ends when you leave your home to

start your trip;

2. Cover under all other sections starts when you leave your

home and ends when you return home (or are repatriated

to a hospital in the UK), providing you do not exceed the

trip limit.

personal money and travel documents

Cash (including foreign currency), travellers’ cheques, non-

refundable prepaid event and entertainment tickets, travel tickets,

passports, visas and driving licences.

point of international departure

The airport, port or station from which you will undertake

international travel from or to the UK. If your home is in Northern

Ireland, you are also covered for international travel from or to

the Republic of Ireland.

policy

The TSB Gold Worldwide Travel Insurance policy.

pre-booked holiday accommodation

A commercially run premises where a fee is charged which has

been booked before the start of your trip. This includes a pre-

booked tent or caravan pitch, but does not include residential

properties belonging to friends or family.

travelling companion

A person you travel with, without whom you cannot make or

continue your trip.

trip(s)

Journeys beginning and ending in the UK that last no more than 45

days that are either:

1. Holidays (including cruises) outside the UK; or

2. A business trip outside the UK; or

3. Holidays within the UK, that include two or more consecutive

nights stay in pre-booked holiday accommodation.

England, Scotland, Wales, Northern Ireland, Channel Islands and

Isle of Man.

UK resident

An insured person whose main home is in the UK, who is

registered with a UK doctor and who is liable to pay taxes

in the UK.

valuables

Jewellery, costume jewellery, watches, items made of or containing

gold, silver, precious metal or precious stones, binoculars,

handheld games consoles and equipment, mobile phones,

photographic equipment, video cameras, e-readers, laptops and

tablets, or any accessories which are designed to be used with

these items.

we, us, our, insurer

Aviva Insurance Limited. Registered in Scotland, no. 2116.

Registered office: Pitheavlis, Perth, PH2 0NH. Authorised by the

Prudential Regulation Authority and regulated by the Financial

Conduct Authority and Prudential Regulation Authority.

Winter sports equipment

Skis, snowboards, boots, helmets, bindings or poles.

you, your(s), yourself, insured person

The account holder, his/her partner and any of their dependent

children, step children and foster children aged up to 12 months.

If the account holder does not have a partner, cover is extended

to include one of their unmarried, dependent children who at the

start date of the trip is under 24 years of age and still in full-

timeeducation.

If you need cover for additional travellers, we can offer an

additional adult or child upgrade. Please refer to the 'Upgrades'

section for futher information.

Helpful and important information about

your insurance.

This policy is included with your bank account. Please read this

policy document carefully, keep it in a safe place and take it with

you when you travel. It gives you full details of what is covered,

what is not covered and the limits, excesses and conditions of

cover. It is the account holder’s responsibility to ensure that all

insured persons are aware of their responsibilities and comply

with all of the policy conditions. If you do not comply, we may

refuse your claim or reduce your cover in the event of a claim.

In respect of each trip taken during the period of insurance, we

will provide the cover set out in this policy document provided:

1. you are an account holder;

2. you are a UK resident;

3. the trip begins after the date the bank account was opened;

4. you have booked your return journey before leaving the

UK, or if you have an open ticket, you have confirmed your

return date with the airline.

Children

This policy covers your children, step children and foster children

aged up to 12 months. If the account holder does not have a

partner cover is extended to include one of their unmarried,

dependent children, step children and foster children who at

the start date of the trip is under 24 years of age and still in full

timeeducation.

If you want cover for additional children you can purchase an

Additional adult or child upgrade, or family cover. Please refer to

the ‘Upgrades’ section on page 21.

Children are only covered when they are travelling with the

account holder, the account holder’s partner or another adult.

Automatic cover

The insurance cover automatically applies for each trip.

Thismeans you do not have to contact us every time you book a

trip, unless you need to tell us about any change in your health.

Pleasesee ‘Your health – cover and exclusions for existing medical

conditions’ on page 26.

Information and changes we need to know about.

You must take reasonable care to provide complete and accurate

answers to the questions we ask you. For example, when you open

your bank account, or when you purchase or renew an upgrade.

You also need to tell TSB if you move address – if this means

that you are no longer a UK resident then all cover under this

policy will end.

When we are notified of a change, we will tell you if this affects

your policy. For example, whether we are able to accept the

change and, if so, whether the change will result in revised terms.

If the information provided by you is not complete and

accurate we may:

1. refuse to pay any claim; or

2. not pay any claim in full.

If you are in any doubt about information or changes we need to

know about, please contact us on 0345 835 3834.

Upgrades.

Please remember, upgrades must be purchased before you

travel. Please make sure you have the cover you need before

you leave because we cannot upgrade your policy after your

trip starts.

You may be able to upgrade from the standard cover for

thefollowing:

• Additional adult or child – add a named adult or child, relative

or friend, as an insured person to your policy, and they will be

covered when they are travelling with the account holder or

their partner – a maximum age limit of 80 years applies.

• Disability benefit following a road traffic accident in New

Zealand – provides a weekly benefit if you are temporarily

disabled as a result of a road traffic accident while you

are travelling in a hire car in New Zealand. Please read the

‘Disability benefit following a road traffic accident in New

Zealand’ section on page42 for further details.

• Excess waiver – the excess will be reduced to nil.

• Family cover – extends the cover to include your unmarried,

dependent children under 24 years of age who are in full

timeeducation.

• Golf cover – extends the cover for the ‘Cancelling your trip or

coming home early’ and ‘Baggage and personal money’ sections

to include cover for your golf equipment – please read the ‘Golf

cover’ section on page 42 for further details.

• Sports and activities – if you wish to participate in an activity

which is not listed in the ‘Leisure activities’ or ‘Winter sports

activities’ sections, then please call us on 0345 835 3834 and

we may be able to extend your cover.

• Trip extension – the trip limit can be extended to cover you for

trips of up to 62, 93, 186 or 279 days. There is no cover for any

incident which occurs after the trip duration has been reached.

• Wedding/Civil Partnership cover – an extension to the ‘Baggage

and personal money’ section to provide cover for items related

to your wedding – please read the ‘Wedding/Civil partnership’

section on page 42 for further details.

Please call Gold Membership Services on 0345 835 3834 before

you travel for further information and a quotation.

If you choose to purchase an upgrade, the initial upgrade(s) will be

valid for trips that begin during the 12 months from the start date

of your upgrade. If you purchase an additional upgrade, thiswill

be added to your initial upgrade and will be valid for trips that

begin between the date of purchase and the renewal date. We will

send you a renewal invite letter at least 21 days before the expiry

of your upgrade(s).

Automatic extension of cover.

If you cannot get back home before your cover ends, your policy

will remain in force as follows:

1. up to 14 days if any vehicle you are travelling in breaks down,

or any vehicle, vessel, train or aircraft in which you are

booked to travel as a ticket holding passenger is delayed or

cancelled; or

2. for as long as the treating doctor believes is medically

necessary where you are claiming for Emergency medical

treatment under this policy.

Automatic termination of cover.

All cover under this policy will end automatically if:

1. The account holder:

• closes the bank account;

• reaches 80 years of age (on joint accounts cover

continues for the other eligible account holder and other

insured persons until both account holders reach 80

years of age);

• is no longer a UK resident;

• is believed to be or reasonably suspected by us to be

acting fraudulently.

2. TSB cancels the bank account under one of the reasons set

out in the bank account terms and conditions.

If an insured person is on a trip at the time an automatic

termination event occurs, all cover will end when the trip ends.

Your cancellation rights.

This policy will remain in force subject to the ‘Automatic

termination of cover’ section alongside. To cancel this policy the

bank account must be closed. If it is not closed, the policywill

remain in force until any of the automatic termination events

shown occurs, or the policy is cancelled by us or TSB in

accordance withthe rights shown in the ‘General conditions’

section of this policy document.

If you have purchased an upgrade you have a statutory 14 day

period in which to cancel your upgrade. This period begins on

the date you receive your upgrade schedule. If you cancel your

upgrade within this 14 day period you will receive a full refund

of the premium paid providing you have not travelled or made a

claim. For cancellations outside this period please refer to your

upgrade schedule.

If you wish to cancel your upgrade, please call Gold Membership

Services on 0345 835 3834.

Use of language.

Unless otherwise agreed, the contractual terms and conditions

and other information relating to this policy will be in English.

Choice of law.

The law of England and Wales will apply to this policy unless:

1. You and the insurer agree otherwise; or

2. At the date of opening the bank account, the account holder

is a resident of Scotland, Northern Ireland, Channel Islands

or the Isle of Man in which case (in the absence of agreement

to the contrary) the law of that country will apply.

General exclusions and conditions.

(These apply to the whole of your policy).

General exclusions.

This policy does not cover the following:

1. Any consequence whatsoever which is the direct or indirect result of

any of the following, or anything connected with any of the following,

whether or not such consequence has been contributed to by any

other cause or event:

a) War, invasion, act of foreign enemy, hostilities or a warlike

operation or operations (whether war be declared or not), civil

war, rebellion, revolution, insurrection, civil commotion assuming

the proportions of or amounting to an uprising, military or

usurped power.

b) Any action taken in controlling, preventing, suppressing or in any

way relating to (a) above.

2. Claims directly or indirectly caused by:

a) Ionising radiation or contamination by radioactivity from

any nuclear fuel or from any nuclear waste from burning

nuclear fuel; or

b) The radioactive, toxic, explosive or other hazardous properties of

any explosive nuclear assembly or part of an assembly; or

c) Pressure waves caused by aircraft and other aerial devices

travelling at sonic or supersonic speeds.

3. Any claim for your death, injury, illness or disability resulting from:

a) Your suicide or attempted suicide; or

b) Your misuse of alcohol or drugs or your consumption of alcohol

or drugs (other than drugs taken under medical supervision and

not for treating alcohol or drug addiction) to an extent which

causes immediate or long-term physical or mental impairment,

including impairment to your judgement causing you to take

action you would not normally havetaken; or

c) Any exacerbation of an accepted medical conditions caused by

your misuse of alcohol or drugs.

4. Any claim where during the trip, you deliberately put yourself at risk

of death, injury, illness or disability (unless your life is in danger or

you were trying to save human life).

5. Any loss that is not specifically described in this policy document, e.g.

we will not pay for loss of earnings if you are unable to return to work

due to illness or injury during your trip, or any payment which you

would normally have made during your trip.

6. Any incident which happens after the trip duration limit has

been reached.

7. Any claim for an incident which happens during a trip that

results from:

a) you riding or being a passenger on a scooter, moped

ormotorcycle:

i) 125cc or under, unless you wear a crash helmet and, as a rider,

you are fully licensed to use such a vehicle in the UK;

ii) Over 125cc, unless the vehicle is owned by you and you are

using it as your mode of transport in the UK or Europe.

Youmust wear a crash helmet and appropriate protective

clothing and as a rider you must be fully licensed and insured

to use this vehicle in the UK.

b) you driving any motorised vehicle, unless you are fully licensed to

drive such a vehicle in the UK;

c) you driving or being a passenger in any motorised vehicle unless

you have complied with all laws applying to use of that vehicle in

the country you are visiting, for example you must wear a seatbelt

where this is required by law;

d) your involvement in paid or unpaid manual work or physical labour

of any kind, other than charity or conservation work (see further

limitations in the ‘Sports and activities’ section);

e) you taking part in an activity which is not listed in the ‘Sports and

activities’ section;

f) you taking part in exploration or scientic expeditions or being a

crew member on a vessel travelling from one country to another;

g) you climbing on to, on top of, or jumping from any balcony railing,

ledge or wall, or climbing or moving across any external part of a

building or vehicle not specically designed for that purpose.

8. Any claim resulting from a tropical disease where you have

not had the recommended inoculations and/or taken the

recommendedmedication.

9. Any claim for:

a) management fees, maintenance costs or exchange fees, any travel

or accommodation arranged by using loyalty or points based

schemes, timeshares or similar promotions;

b) costs where you have a right to recover them from your travel

and/or accommodation provider or agent, your debit/credit

card company, PayPal, ABTA, ATOL (or similar organisation) or an

insolvency administrator;

c) costs you have paid on behalf of persons not insured under

this policy;

d) administration costs charged by your travel and/or

accommodation provider in respect of obtaining a refund for

unused travel and accommodation.

10. Any claim because you do not wish to travel, or you are not enjoying

your trip.

11. Any claim in relation to any event, incident or circumstances if, at

the time you opened your account or booked your trip (whichever is

later), you knew that, or you could reasonably be expected to have

known that:

• the event or incident had already occurred or was going to

occur, or

• the circumstances existed, or were going to exist and

• that the event, incident or circumstances could reasonably be

expected to affect your travel plans.

12. Any claim if you travel against the advice of the FCDO or the

government of any country to which you will travel, or where you do

not follow any advice or measures put in place by any government

or local authority in the UK or abroad, for example quarantine rules

or curfews.

General conditions.

1. The account holder must have a bank account.

2. You must have taken reasonable care to provide complete and

accurate answers to the questions asked when you opened your

bank account.

Please note medical conditions are not covered by this policy unless

we have been told about them and have confirmed that they have

been accepted, or an insured person has only ‘Accepted conditions’

as shown in the ‘Your health’ section.

It is therefore very important that you read the ‘Your health’ section

on pages26 to 28 in this policy document.

If the information provided by you is not complete and accurate, we

may refuse to pay a claim, or not pay a claim in full.

3. Our right to cancel:

TSB may cancel this policy on our behalf by sending at least 62 days’

written notice to your last known postal and/or email address setting

out the reason forcancellation.

Valid reasons include, but are not limited to, the following:

a) where we reasonably suspect fraud;

b) where you fail to cooperate with us or provide us with information

or documentation we reasonably require and this affects our

ability to assess a claim or defend our interests. See General

conditions 7, 8, 9and 10;

c) where you have not taken reasonable care to provide complete

and accurate answers to the questions we ask as required in the

‘Information and changes we need to know about’ section in this

policy document and General condition 2.

TSB may also cancel this insurance policy in accordance with:

d) The bank account terms and conditions. Please read your

bank account terms and conditions for further details; or

e) General condition 15, in which case TSB will provide you with

30days’ notice.

If your policy is cancelled by TSB on our behalf and you have

purchased an upgrade, we will provide a pro-rata refund of the

premium paid for this upgrade. We will settle any valid claim,

provided the incident occurred before the date that the cancellation

became effective.

4. Claims fraud:

In order to prevent and detect fraud TSB and the insurer may at any

time share information about you with other organisations and public

bodies including the police. It is your responsibility to ensure that all

insured persons are aware of this condition. If your claim is in any

way dishonest or exaggerated we will not pay any costs or benefits

under this policy and we may cancel your policy immediately and

backdate the cancellation to the date of the fraudulent claim. We may

also report you to the police and/or take legal action against you.

5. You must take all reasonable precautions to protect yourself and

your property against any accident, injury, theft, loss or damage.

You must take the same level of care as you would if you did not have

this policy.

6. If we make a payment before cover is confirmed and our claims

investigation reveals that no cover exists under the terms of the

policy, you must pay us back any amount we have paid, which you are

not covered for.

7. You must tell us as soon as possible after becoming aware of any legal

proceedings, summons, prosecutions or any other circumstances

which may lead to a claim under this policy. You must send us every

communication relating to a claim as soon as reasonably possible.

8. You, or any person acting for you, must not negotiate, admit or reject

any claim without our permission in writing.

9. It may affect your claim if you cannot provide evidence of any costs

or expenses which you are claiming, for example bills, receipts or a

credit/debit card statement.

10. You or your legal representative must pay for any certificates,

information and evidence, which we may need. When there is a claim

for injury or illness, we may ask for, and will pay for, any insured

person to be medically examined on our behalf.

11. If, at the time of an incident which results in a claim under this policy,

there is any other insurance covering the same loss, damage, expense

or liability, we are entitled to approach that insurer for a contribution

towards the claim, and will only pay our share. This condition does

not apply to the ‘Accidental death or permanent disability’ section or

‘Medical inconvenience’ benefit under the ‘Emergency medical and

associated expenses’ section.

12. We are entitled to take over and carry out in your name the defence

or settlement of any legal action. We may also take proceedings

at our own expense and for our own benefit, but in your name, to

recover any payment we have made under this policy to anyone else.

13. If you make a medical claim you may be asked to provide consent to

enable us to access your medical records. This will help the treating

doctors, and us, to provide you with the most appropriate treatment

and assess whether cover applies. If you do not agree to provide this

we will not deal with your claim.

14. We can, at any time and after taking a fair and reasonable view, but no

more than once in any 6 month period, make changes to your policy

terms and conditions, to reflect changes in our expectations of the

future likely cost of providing cover. Policy cover may increase or

decrease, but the changes will not be made for the sake of recouping

past losses.

When doing so we will only consider one or more of the following:

a) our experience and expectations of the cost of providing this

product and/or other Aviva products of a similar nature.

b) information reasonably available to us on the actual and expected

claims experience of insurers of similar products.

c) widely available economic information such as ination rates and

exchange rates.

Additionally, we can, at any time and after taking a fair and reasonable

view, make changes to your policy terms and conditions:

a) to reect changes (affecting us or your policy) in the law or

regulation or the interpretation of law or regulation, or changes

in taxation;

b) to reect decisions or recommendations of an Ombudsman,

regulator or similar person, or any code of practice, with which

we intend to comply;

c) in order to make your policy clearer and fairer to you or to

rectify any mistakes that may be discovered in due course.

Changes (together with the reasons for such changes) will be notified

to you in writing at least 30 days in advance.

15. TSB may cancel this policy on our behalf and may offer cover with

another provider. If this happens TSB will contact you by sending 30

days’ notice to your last known postal and/or email address.

Your health – cover and exclusions for

existing medical conditions.

Please read this section carefully.

This policy is not a general health or private medical insurance policy and

will only cover sudden and unexpected illness or accidents.

Medical condition means:

Any illness, disease or injury that you have had in the six months prior to

opening the bank account or booking any trip (whichever is later), for

which you have:

• been prescribed medication; and/or

• received, or are awaiting, medical treatment, tests or

investigations; and/or

• been referred to, or had follow up with, a specialist; and/or

• been admitted to hospital or had surgery.

Please remember – medical conditions are not covered by this

policy unless:

• you have only ‘Accepted conditions’ shown on pages 26 and 28; or

• we have been told about them and have confirmed they have been

accepted. If we are able to accept the condition(s), you may need to pay

a premium.

What do you need to tell us?

If an insured person has any medical condition other than those shown as

‘Accepted conditions’ on pages 26 and 28 and you wish us to consider

covering your medical condition(s), you need to call us on 0345 835 3834.

When do you need to tell us?

When you open the bank account or before booking any trip.

If you wish us to consider covering medical conditions you have that are

not shown on the ‘Accepted conditions’ list, you need to contact us when

you open the bank account and/or before booking any trip (whichever

is later).

When you call us, we will assess your medical condition(s) and tell you

whether or not we are able to cover the condition(s) and if we are able to,

whether you will need to pay an additional premium.

Accepted conditions.

If these are the only medical conditions you have and none of the

restrictions mentioned apply, you will be automatically covered by this

policy and we do not need to know about them.

If you are in any doubt please call us on 0345 835 3834.

Acne

ADHD

Allergy/Anaphylaxis (no emergency hospital admissions in the last

two years)

Anal fissure/fistula

Arthritis (no back or neck problems)

Asthma

Benign breast cyst

Benign prostatic enlargement

Benign testicular cyst

Blindness

Bowel prolapse

Broken bone/fracture (not head or spine)

Carpal tunnel syndrome

Cataracts

Chicken pox

Common cold/influenza

Conjunctivitis

Corneal transplant

Cosmetic surgery

Crohn’s disease (no hospital admissions or bowel obstructions in the last

12 months)

Cystitis

Deafness

Diabetes (no complications, for example retinal, kidney or nerve damage)

Diarrhoea and/or vomiting

Dislocated joint (not following knee/hip replacement)

Diverticulitis

Dyspepsia

Eczema/dermatitis

Epididymitis

Epilepsy (no unplanned hospital admissions in the last 12 months)

Essential tremor

Fungal nail infection

Gastric reflux/acid excess/reflux

Glandular fever

Glaucoma

Gout

Haemorrhoids

Hayfever

Hernia

High/low blood pressure

High cholesterol

Hyperthyroidism (overactive thyroid)

Hypothyroidism (underactive thyroid)

Hysterectomy (not as a result of cancer)

IBS – Irritable bowel syndrome

Impetigo

Joint replacement (no dislocations)

Labyrinthitis

Ligament damage

Macular degeneration

ME (no unplanned hospital admissions in the last 12 months)

Meniere’s disease

Menopause/HRT

Menorrhagia

Migraine (confirmed diagnosis, no ongoing investigation)

Minor infections (treated with no more than one course of antibiotics)

Nasal Polyps

Neuralgia

Neuritis

Osteochondritis

Osteoporosis (no back or neck fractures)

Parkinson’s (no difficulty swallowing)

Pelvic Inflammatory Disease

PMT

Polymyalgia rheumatica

Psoriasis

Retinal detachment

Rheumatism

Rhinitis

Rosacea

Shingles

Sinusitis

Sleep apnoea

Soft tissue injury/tendon injury/sprain/tendonitis

Tinnitus

Tonsillitis

Ulcerative colitis (no unplanned hospital admissions in the last 12 months)

Urinary incontinence (not related to infections)

Urticaria

Uterine/vaginal prolapse

Varicose veins (no complications)

Vertigo

Health exclusions.

Unless otherwise shown, these exclusions apply to the following sections of

the policy:

• Cancelling your trip or coming home early

• Emergency medical and associated expenses

• Winter sports

1. There is no cover for any claim arising directly or indirectly from

thefollowing:

a) Any medical condition you had when the bank account was

opened or any trip was booked (whichever is later) unless it is

shown as an ‘Accepted condition’ or we have been told about it

and we have accepted it.

b) Any symptoms which you were aware of when the bank account

was opened or any trip was booked (whichever is later) and have

sought, but not yet received, a diagnosis.

c) You not taking medication that has been prescribed to you.

d) You travelling against the advice of a doctor or purposely

travelling without medical advice when it was reasonable for you

to have consulted a doctor.

e) You travelling with the intention of seeking medical treatment

Reciprocal Health Agreements.

The UK has reciprocal healthcare agreements with a number of countries

and territories worldwide. If you are a UK resident, these agreements

mean that you may be entitled to urgent medical treatment at a reduced

cost, or in some cases for free. We strongly recommend that you check

if the country you are travelling to has a reciprocal health agreement in

place and what the requirements are before you leave the UK, you can find

more information on-line at www.nhs.uk and search for Healthcare abroad.

Medicare

(Residents of England, Wales, Scotland and Northern Ireland only)

If you require medical treatment in Australia, you must enrol with

a local Medicare office. You do not need to enrol on arrival but you

must do this after the first occasion you receive treatment. In-patient

and out-patient treatment at a public hospital is then free of charge.

Details of how to enrol and the free treatment available can be found at

www.humanservices.gov.au by searching for Medicare forms.

Cancelling your trip or coming home early.

If you need to cancel your trip or come home early, we will pay for

unrecoverable costs that each insured person has paid or legally has to

pay for their own unused personal travel and accommodation (including

excursions and unused kennel, cattery or professional pet sitter fees).

We will consider claims for your costs which are unrecoverable from your

travel and/or accommodation provider or agent your debit/credit card

company, PayPal, ABTA, ATOL (or similar organisations) as a result of any of

these events:

1. You are injured, fall ill, are quarantined or die.

2. A close relative, close business colleague or the person you were

going to stay with is seriously injured, falls seriously ill or dies.

3. Your home is badly damaged by explosion, fire, landslide, flood or

severe/adverse weather.

4. The police need to speak to you because your home or place of work

has been burgled.

5. You are made redundant.

6. You are called for jury service or as a witness in a court of law.

7. Severe/adverse weather prevents you from leaving your home,

reaching your point of international departure or your pre-booked

holiday accommodation in the UK.

8. Delay or cancellation of your pre-booked transport prevents you

from leaving the UK on your outward journey and the carrier or

their handling agent is unable to provide suitable alternative travel

arrangements within 12 hours of the date and time of the scheduled

departure as shown on your ticket/itinerary.

9. You are a member of the Armed Forces, Police, Ambulance, Fire,

Nursing Services or an employee of a Government Department and

authorised leave is cancelled due to an unexpected posting or a major

incident in the UK.

10. You are denied boarding because there are too many passengers

for the seats available and no suitable alternative flight could be

provided within 12 hours.

11. Your transport operator, accommodation provider or their booking

agents become insolvent.

12. You are the victim of a violent crime that has been dealt with by

the police.

13. In the 31 days before your departure date, or while you

aretravelling:

a) an avalanche, earthquake, explosion, re, landslide, ood

or severe/adverse weather renders your accommodation

uninhabitable or unreachable;

b) a Foreign, Commonwealth and Development Ofce advisory

notice is in place advising against all travel or all but essential

travel to your destination or, the FCDO are advising British

citizens to leave the area in which you are staying,

Or you choose not to travel or continue your trip because:

c) your accommodation is directly affected by a food

poisoning outbreak;

d) a terrorist attack happens within a 50-mile radius of your pre-

arranged accommodation and you do not wish to travel or you

wish to return home early.

we will pay the following:

• non-recoverable costs that each insured person has paid, or legally

has to pay for their own unused personal travel and/or accommodation.

This includes the cost of prepaid excursions; and

• additional travel costs (if you cannot use your return ticket), and/or

accommodation costs (of a similar standard you had booked for your

trip) necessary to allow you to come home early;

• additional travel costs to transport you back to your trip destination

if, having returned home early, you wish to continue your trip,

providing the period of your original trip has not expired and all travel

arrangements are made by us.

You will also be covered if your travelling companion has to cancel the trip

or come home early for one of the reasons listed above.

The most we will pay for each insured person is £5,000, if you are unable

to recover these costs from the provider.

Claims conditions

1. You must notify your travel and/or accommodation provider as soon

as you become aware that it is necessary to cancel the trip. If you

fail to do so and the cancellation charges increase as a result, our

liability will be restricted to the charges at the date cancellation

became necessary.

2. All claims resulting from illness, injury, quarantine or death must

be supported by medical reports, or a death certificate (or both).

Medical reports must be obtained at the time of the incident and

indicate the necessity to cancel the trip or come home early.

3. You must provide written confirmation (at your own expense) from

the carrier or their handling agent of the actual date and time of the

planned departure and reason for the cancellation or delay, and that

they were unable to offer suitable alternative travel arrangements

within 12 hours of your scheduled departure.

4. You must comply with the terms of your contract with the transport

provider (or their booking agents) and seek financial compensation,

assistance or a refund of your ticket from them in accordance with

those terms and/or any rights you may have under EU Air Passenger

Rights legislation in the event of denied boarding, cancellation or

long delay of flights.

5. You must provide written confirmation (at your own expense) from

the transport and/or accommodation provider or their respective

booking agents or administrators, that compensation, assistance or

reimbursement of any costs, charges and expenses incurred by you

will not be provided. In the event of insolvency, compensation will

normally be available to you from financial protection schemes such

as the Air Travel Organisers’ Licensing (ATOL) or trade association

bonds such as the Association of British Travel Agents (ABTA).

6. Where you have been prevented from reaching your point of

international departure or pre-booked holiday accommodation

in the UK due to severe/adverse weather, you must provide

evidence that travel was not possible, such as local police, press

ortravel reports.

7. If your leave is cancelled, or you are made redundant you must

provide written confirmation from your employer.

8. If you are called as a witness or for jury service you must provide

written confirmation.

If you have to come home early:

1. If you need to come home early and intend to make a claim you must

phone the Emergency Medical Assistance helpline immediately.

2. All claims must be supported by documentary evidence that

you have been unable to obtain a refund from the travel and/or

accommodation provider.

3. You must provide written confirmation from the accommodation

provider and/or local or national authorities that the accommodation

was uninhabitable and the reason for this, and that they were unable

to offer suitable alternative accommodation of a similar standard.

4. If you cannot use your return ticket and we pay additional travel

costs to allow you to come home early, your unused travel ticket will

then belong to us.

5. If you need to come home early but have not already purchased a

return ticket, we will deduct the cost of an economy flight from any

costs we incur in bringing you home.

Excess.

We will not pay the first £40 for each claim, unless the Excess waiver

upgrade has been purchased.

What is not covered

1. Anything mentioned in the ‘General exclusions’ and ‘Your

health’sections.

2. Any claim where, at the time of opening your Gold Account or

booking your trip (whichever is later), you knew that an illness or

injury of a close relative, travelling companion or person you were

travelling to stay with, could reasonably be expected to affect your

travel plans.

If you have to cancel your trip:

1. Any claim due to severe/adverse weather where you have not

allowed sufficient time to reach your point of international

departure taking into account the weather forecast for your journey.

2. Any claim where the carrier or handling agent has offered suitable

alternative travel arrangements within 12 hours of the date and time

of the scheduled departure as shown on the ticket/itinerary.

3. Any claim for dismissal, misconduct, resignation or

voluntaryredundancy.

4. Any claim for redundancy if you or your travelling companion knew

of the redundancy at the time of opening your bank account or

booking your trip (whichever is later) or where you cannot provide

written evidence that the reason you or your travelling companion

left the job was due to redundancy.

If you have to come home early:

1. Any claim for coming home early which was not authorised by us.

2. Any claim for coming home early due to Foreign, Commonwealth and

Development Office advice where this advice was already in place

prior to your departure from the UK.

3. Any claim for coming home early after you have chosen to move to

alternative accommodation.

4. The cost of your original return travel to the UK if we have paid for

alternative transport for you to return home.

Travel disruption.

Travel delay.

If your pre-booked transport is delayed for more than 12 hours and you

choose to continue your trip, we will pay £30 for the first full 12 hour

period you are delayed and £20 for each full 12 hour delay after that.

Ifyour trip is three nights or less, the benefit will be paid after a delay of 6

hours and for each full 6 hour delay after that.

For each insured person the most we will pay is £250.

Missed departures – This benefit does not apply to trips taken

within the UK.

If an unexpected transport delay, such as the vehicle you are travelling in

breaking down, or the cancellation of scheduled public transport, means

that you miss your pre-booked transport, we will pay for additional travel

and accommodation costs you incur to reach your destination abroad, or

home on your return journey.

For each insured person, the most we will pay is £1,000.

Alternative travel arrangements

If you have to make alternative travel arrangements, as a result of:

1. the public transport on which you are booked to travel to or from

your home territory is cancelled or delayed for at least 12 hours,

diverted or redirected after take off; or

2. you being denied boarding because there are too many passengers

for the seats available and no suitable alternative flight could be

provided within 12hours; or

3. your transport operator, accommodation provider or their booking

agents become insolvent,

we will pay for additional travel and accommodation costs you incur to

reach your destination or home on the return journey.

For each insured person, the most we will pay is £5,000.

We will also pay up to £200 for emergency medical supplies if you are

unable to return home and your prescription medication has run out as a

direct result of having to make alternative transport arrangements.

Alternative accommodation arrangements.

If you have to move to other accommodation during your trip as a result of:

• the insolvency of the accommodation provider or their booking agents;

• fire, flood, earthquake, explosion, volcanic eruption, severe/adverse

weather; or

• an outbreak of food poisoning,

we will pay additional accommodation costs (of a similar standard) to allow

you to continue your trip.

For each insured person, the most we will pay is £5,000.

Claims conditions.

1. Any costs incurred may have to be paid by you and submitted

as a claim.

2. We will only pay for additional transport or accommodation costs

if your carrier or their handling agents have not been able to offer

you suitable alternative accommodation and/or travel arrangements.

Allclaims must be supported by documentary evidence of the costs

you have incurred.

Travel delay:

1. You must obtain written confirmation of the number of hours and

reason for the delay from your carrier or their handling agents.

Missed departures:

1. If you miss your pre-booked transport you must contact the

carrier or their handling agent to see if a late arrival is possible or if

alternative travel arrangements can be made.

2. You must provide confirmation of the reason for your delay from

your transport provider, traffic or police reports or roadside

assistance provider.

Alternative transport and accommodation arrangements:

1. You must provide written confirmation from your transport provider

of the length of the delay and the reason for the delay.

2. If you are denied boarding you must provide proof that your carrier

was unable to offer you suitable alternative travel arrangements.

3. You must provide written confirmation from your accommodation

provider or their booking agents of the reason you were unable to

use your pre-booked accommodation.

Excess.

We will not pay the first £40 if the trip is cancelled following a 12 hour

delay, unless the Excess waiver upgrade has been purchased.

What is not covered

1. Anything mentioned in the ‘General exclusions’ section.

2. Any claim where you have not done all you can to get to your

departure point, or where you have not allowed sufficient time to

make the travel connections shown on your ticket/itinerary, for

example transfers between terminals, airports, ports orstations.

3. Any claim where the carrier or their handling agents have offered

reasonable alternative transport.

4. Any claim for costs where you have received a refund from the

carrier or handling agent.

Missed departures:

1. Any claim for a missed connection for a trip which was not pre-

booked before you left the UK.

2. Any claim for trips solely within the UK.

Emergency medical and

associated expenses.

If you are injured, fall ill, are quarantined or die during your trip, we will

cover you up to the limits shown below, for:

Emergency medical treatment.

• Emergency medical treatment outside your home territory (including

rescue services to take you to hospital).

• Emergency dental treatment outside your home territory which

is required for immediate pain relief and/or emergency repairs to

dentures or artificial teeth to alleviate distress in eating only.

Associated expenses.

• Extra charges for half board accommodation (of a similar standard

to the accommodation you had booked for your trip) if it is medically

necessary for you to stay after the date you were going to return home

or travel to your next destination.

• The cost of burying or cremating you in the country where you die, if

you die outside your home territory.

• The cost of returning your body or ashes to your home.

• The cost of getting you home or to a UK hospital, if it is medically

necessary because you are seriously injured or fall seriously ill during

your trip and you cannot use your return ticket.

If our Medical Emergency Assistance provider and the treating doctor

agree that it is necessary, we will also pay travel and accommodation costs

for one relative or friend who has to stay with you or travel to be with you.

For each insured person we will pay up to:

• £10,000,000 Emergency medical treatment and associated expenses

outside of your home territory.

• £1,000 emergency dental treatment outside of your home territory.

• £10,000 Associated expenses for claims in your home territory.

Medical inconvenience.

If you are claiming for Emergency medical expenses outside of your home

territory, and these are covered under this section, we will also pay you

£50 for each consecutive 24 hours your trip is disrupted if you are:

• in hospital receiving in-patient treatment; or

• confined to your accommodation on the advice of the treating doctor.

For each insured person we will pay up to £1,000 for medical

inconvenience outside of your home territory.

Holiday disruption.

If you are claiming for Emergency medical expenses and receiving

treatment as an in-patient for more than 24 hours we will pay your own

non-recoverable, unused personal travel and accommodation costs.

The most we will pay for each insured person is £5,000.

Claims conditions.

You must phone the Emergency Medical Assistance helpline before you

make any arrangements if an injury or illness means that you:

1. need to seek emergency medical advice; or

2. are told by the treating doctor that you need to visit them for repeat

treatments; or

3. are going to require tests or investigations as an out-patient; or

4. are told that you need to go into hospital as an in-patient.

An experienced Emergency Medical Assistance coordinator will deal with

your enquiry and make sure that where necessary:

1. hospitals are contacted; and/or

2. medical fees are guaranteed; and/or

3. medical advisors are consulted.

If you cannot call before you are admitted as an in-patient because the

condition is serious, you must contact the Emergency Medical Assistance

helpline as soon as possible after you go into hospital.

If you are injured or fall ill during your trip, our Medical Emergency

Assistance provider may move you from one hospital to another and/

or arrange for you to return home at any time. They will only do this if

they and the treating doctor think that it is safe for you to be moved or

returned home.

You must provide us with all medical reports given to you by the treating

doctor and/or the hospital/medical facility.

Excess.

We will not pay the first £40 for each claim for Emergency medical

treatment and associated expenses, unless the Excess waiver upgrade has

been purchased. There is no excess for the ‘Medical inconvenience’ or

‘Holiday disruption’ benefits.

If the cost of your medical treatment is reduced because you have used a

European Health Insurance Card, any other worldwide reciprocal health

care agreement or private health insurance, there will be no excess

applicable under this section.

What is not covered.

1. Anything mentioned in the ‘General exclusions’ and ‘Your

health’sections.

2. Any claim for:

a) treatment received in your home territory;

b) the cost of in-patient hospital treatment, out-patient treatment

or going home early that our Medical Emergency Assistance

provider has not agreed beforehand;

c) the cost of any non-emergency treatment or surgery including

exploratory tests which are not directly related to the illness or

injury you originally went to hospital for;

d) any form of treatment that your treating doctor and our Medical

Emergency Assistance provider think can reasonably wait until

you return home;

e) cosmetic surgery, unless considered necessary as a medical

emergency and agreed with our Medical Emergency

Assistanceprovider;

f) medication which, at the time your trip started, you knew that you

would need while you were away;

g) any extra costs because you have requested a single or

private room;

h) treatment or services provided by a health spa, convalescent or

nursing home or any rehabilitation centre;

i) any treatment after you have returned home, or are repatriated

to a UKhospital.

3. Costs incurred following your decision not to move hospital or return

to your home territory after the date when it was deemed safe for

you to do so by our Medical Emergency Assistance provider and your

treating doctor.

4. Any claim for ‘Medical inconvenience’ benefit:

a) where the period in hospital or connement to your

accommodation is less than 24 consecutive hours;

b) for any insured person not being treated as an in-patient or

conned to accommodation on medical advice.

5. Any claim for Medical inconvenience or Holiday disruption where

there is no valid claim for Emergency medical treatment.

Accidental death or permanent disability.

We will cover you if you suffer a serious accidental bodily injury during

your trip which requires immediate and urgent medical attention and leads

solely, directly and independently of any other cause to:

• your death; or

• total and permanent loss of use of an entire arm, hand, leg or foot; or

• loss of sight to the extent where you are eligible to be registered as

severely sight impaired (blind); or

• disablement which means that you are permanently and entirely

prevented from following any occupation suited to your education,

experience and capability and this disablement has lasted for at least

one year from the date you sustained the injury, or has been confirmed

as permanent with no prospect of improvement by the treating doctor.

For each insured person we will pay up to:

• £15,000 in the event of death, other than for insured persons under 16

years of age where the maximum we will pay is £1,000.

• £30,000 for loss of use of limb, loss of sight and/or disablement.

If the death or disablement results from an accident involving public

transport in which you were travelling or which you were entering or

leaving and the full cost of the public transport had been charged to your

TSB Visa debit or credit card then the benefit is increased to £100,000

(£4,000 for a dependent child under 24 years of age).

Claims conditions.

1. The death or disability must happen within two years of the accident.

2. Only one benefit will be paid under this section, regardless of the

number of injuries sustained.

3. Any benefit will be paid to you or your legal representative. If you

die, the benefit will be paid into your estate.

What is not covered.

1. Anything mentioned in the ‘General exclusions’ section.

2. Any claim resulting from sickness, disease, nervous shock or

degenerative process.

Legal expenses and advice.

Legal expenses is underwritten by Aviva Insurance Limited. Personal legal

advice and claims handling is undertaken by Arc Legal Assistance Limited or

such other company as we notify you of from time to time.

Legal expenses cover.

If, during the trip, an incident causes the death or injury of an insured

person which was not the insured person’s fault we will provide a lawyer

and up to £25,000 for legal costs to pursue a civil claim.

Our lawyer will assess the evidence and proceed on your behalf if it is more

likely than not that you will recover damages. If, in the lawyer’s opinion:

1. the prospects of success are no longer in your favour; or

2. the non-recoverable costs are likely to exceed the potential

compensation,

then we will not pay further costs toward your legal claim.

Personal legal advice.

We will give you confidential advice over the phone on any personal legal

problem that may lead to a claim under this section.

We will tell you what your legal rights are, what course of action is available

to you and whether these can be best implemented by you or whether you

need to consult with a lawyer.

Special conditions.

Contingency fees:

• For claims made in some countries you may have to enter into a

contingency fee arrangement with the lawyer representing you.

This means that the lawyer will receive an agreed percentage of any

compensation which they receive for you.

• We will not pay any costs incurred by the lawyer relating to such

anarrangement.

Choice of lawyer:

• if court proceedings are issued within the UK or there is a conflict of

interest, you can choose your own lawyer;

• for proceedings outside the UK we will choose the lawyer;

• we will appoint that lawyer subject to acceptance of our standard terms

of appointment which are available upon request;

• subject to the other terms and conditions of this policy we will pay legal

costs up to £25,000.

Our rights and your obligations:

• on request, your lawyer must provide us with information or opinion

about your claim;

• you must cooperate fully with us and the lawyer;

• you must notify us immediately if anyone offers to settle a claim. If you

don’t accept an offer which the lawyer advises is reasonable we may

refuse to pay any further costs;

• if successful, you must instruct your lawyer to attempt recovery of all

costs relating to your case.

Legal expenses cover will end if you:

• settle or withdraw your claim without our agreement;

• do not give instructions when requested by the lawyer;

• dismiss a lawyer without our consent. We will not withhold consent

without good reason.

If, due to the above, we incur costs that wouldn’t otherwise have been

incurred, we reserve the right to recover these from you.

You cannot transfer your rights under this section. A person, partnership

(whether limited or not) or company who is not insured under the policy has

no rights under the Contracts (Rights of Third Parties) Act 1999 to enforce

any of its terms.

What is not covered.

1. Anything mentioned in the ‘General exclusions’ section.

2. An application for judicial review.

3. Claims made by anyone other than you enforcing their rights under

this cover.

4. Any costs incurred before your claim has been accepted by us.

Personal liability.

We will cover any money that you legally have to pay that relates to an

accident you have caused during your trip which causes:

• death or physical injury to any person;

• loss or damage to property;

• loss or damage to temporary holiday accommodation which is not

owned by you.

We will also pay legal costs and expenses incurred by you in relation to the

accident. You must obtain our consent in writing before incurring any cost

or expense.

For any one event, we will pay up to £2,000,000.

Excess.

A £40 excess applies to all claims arising from damage caused by you to

your temporary holiday accommodation, unless the Excess waiver upgrade

has been purchased.

What is not covered.

1. Anything mentioned in the ‘General exclusions’ section.

2. Any fines or exemplary damages (punishing, or aimed at punishing,

the person responsible rather than awarding compensation) you

have to pay.

3. Liability arising from:

a) death or injury of members of your household or people who

work for you;

b) loss or damage to property which belongs to you or is under:

i) your control;

ii) the control of a member of your household;

iii) the control of people who work for you.

c) your job;

d) you owning or occupying any land or building, unless you are

occupying any temporary holiday accommodation;

e) you owning or using:

i) animals (except domestic animals);

ii) firearms (except sporting guns used for clay pigeon or small-

bore shooting);

iii) motorised vehicles;

iv) vessels (other than manually propelled watercraft);

v) aircraft of any description, including unpowered flight.

Your possessions.

There is no cover under this section for the following:

• Winter sports equipment – please read the ‘Winter sports’ section

on page 38.

• Golf equipment – please read the ‘Golf cover’ section on page 42.

• Business equipment – please read the ‘Business travel’ section

on page 37.

Delayed baggage.

If your baggage is temporarily lost on the outward journey and you are

without it for more than 12 hours we will pay for the replacement of

essential items.

For each insured person, we will pay up to £250.

Baggage and personal money.

We will cover you for loss, theft or accidental damage to your:

1. Baggage, including valuables; and/or

2. Personal money and travel documents.

For each insured person, we will pay up to:

• £2,500 in total for baggage (less any amount already claimed under

the ‘Delayed baggage’ section) subject to a maximum of £500 for any

individual item.

• £500 for personal money and travel documents, subject to a maximum

of £300 for cash (a maximum limit of £100 for cash applies to insured

persons under the age of 16).

For baggage or valuables which are:

a) less than two years old, we will pay the replacement cost when proof of

the original purchase is provided;

b) more than two years old or where proof of purchase cannot be

provided, we will, at our option, settle any claim by payment or

replacement based on the value of your items at the time of loss.

If your passport or visa is lost, stolen or accidentally damaged whilst

you are outside the UK, we will pay for travel, accommodation and

communication expenses to enable you to obtain a replacement if the loss

prevents you from leaving the country you are in or continuing the trip.

For each insured person, the most we will pay is £200.

Contact the Travel Assistance helpline for advice on how to replace lost

or stolen personal money and travel documents, and how to obtain an

Emergency Travel Document to enable you to continue your trip.

Claims conditions.

1. If your baggage is lost or damaged by an authority, a transport

company or hotel, you must report the details of the loss or damage

to them in writing and request written confirmation, including

the number of hours you were without your baggage if it was

temporarily lost.

2. If your baggage is lost or damaged by an airline, you must:

a) get a property irregularity report;

b) give written notice of the claim to the airline within the time limit

in their conditions of carriage (you should keep a copy);

c) keep all travel tickets and tags if you claim under this policy.

3. You must report any loss or theft to the police as soon as reasonably

possible following discovery, and get a written report (where it

is not possible to obtain a police report you must provide other

independent proof of the loss or theft, such as a letter from your

transport company, hotel, or resort management).

4. It may affect your claim if you cannot prove the value of, and that you

were responsible for the lost, stolen or damaged items, for example

a receipt or credit card/bank statement showing evidence of the

purchase, proof of withdrawal or a currency exchange receipt. If you

are claiming for damage we may ask you to send us the broken item.

Excess.

We will not pay the first £40 for each claim, unless the Excess waiver

upgrade has been purchased.

What is not covered

1. Anything mentioned in the ‘General exclusions’ section.

2. Loss, accidental damage or theft of personal money and travel

documents or valuables not carried in your hand baggage and fully

accessible to you while you are travelling.

3. Loss or theft of personal money and travel documents, baggage or

valuables which you have deliberately left somewhere that is not in

your full view and with no one known to you looking after them.

4. Theft of personal money and travel documents, baggage or

valuables from a locked room, safe, motor vehicle or caravan unless

there is visible evidence of forcible and violent entry.

5. Theft of personal money and travel documents, baggage or

valuables from an unattended motor vehicle unless they have been

placed out of view.

6. Any personal money and travel documents, baggage or valuables

delayed, detained or confiscated by customs or other officials.

7. Wear and tear, loss of value or damage caused by moths and/or

vermin, or any process of cleaning, repairing or restoring.

8. Loss, accidental damage or theft of bonds, securities or documents

of any kind (other than those listed under personal money and

traveldocuments).

9. Any claim for travel and accommodation expenses of any other

insured person who could travel without you but decides to stay

with you.

10. Pedal cycles, contact or corneal lenses, hearing aids or other medical

and dental fittings. Antiques, musical instruments, unset precious

stones, furs or telescopes.

11. Scuba diving, fishing equipment, winter sports equipment, golf

equipment or any items to be used in connection with your business.

12. Loss or damage of sports equipment or clothing whilst in use.

13. Cracking, scratching or breaking of glass (except lenses in cameras,

binoculars or spectacles), china, porcelain, ceramics, pottery,

ornaments or similar fragilearticles.

14. Shortages due to a mistake or loss due to a change in exchange rates.

15. Loss or theft of travellers’ cheques where the issuer provides

replacements or where you have not complied with the

issuer’sinstructions.

Business travel.

Cover under this section operates for any business trip where you are

carrying out tasks relating to your business. There is no cover for trips

involving manual work or physical labour of any kind.

Business equipment.

The ‘Baggage and personal money’ section is extended to cover you for

the loss, theft or accidental damage of portable business equipment, for

example laptops or mobile phones, owned by you and used in connection

with your business during your business trip.

For each insured person we will pay up to:

• £1,000 for your business equipment subject to a maximum of:

• £300 for any individual item;

• £500 overall in respect of valuables.

Replacement employee.

We will pay reasonable additional travel and accommodation costs incurred

in arranging for a colleague or business associate to take your place on a

pre-booked business trip in the event of:

a) your death;

b) your hospitalisation;

c) your total disablement;

d) death, serious injury or serious illness of a close relative or close

business associate.

For each insured person we will pay up to £5,000 travel and

accommodation for a colleague to replace you.

Excess.

We will not pay the first £40 for any claim for business equipment, unless

the Excess waiver upgrade has been purchased.

Claims conditions.

Please read the Claims conditions shown under ‘Your possessions’ on page

36 which apply to business equipment.

What is not covered.

1. Anything mentioned in the ‘General exclusions’ or ‘Your

possessions’sections.

2. Any loss or damage arising out of you engaging in manual work.

3. Any financial loss, costs or expenses arising from interruption of

your business.

4. Any claim for a replacement employee where:

a) you were totally disabled, hospitalised or on a waiting list for

hospital treatment at the time you booked the business trip; or

b) where, at the time of booking the business trip, you were aware

of circumstances which would reasonably have been expected to

lead to cancellation of the business trip.

Winter sports.

Cover under this section only applies for a total of 31 days in any

calendar year.

Winter sports equipment.

If your owned or hired winter sports equipment is lost, stolen or damaged

by accident during your trip, we will pay for the repair or replacement,

whichever is lower, after making an allowance for wear and tear and loss of

value using the scale below.

• Up to one year old, 90% of the purchase price

• Up to 2 years old, 70% of the purchase price

• Up to 3 years old, 50% of the purchase price

• Up to 4 years old, 30% of the purchase price

• Up to 5 years old, 20% of the purchase price

We will pay to hire replacement winter sports equipment if:

• you make a successful claim for loss, theft or damage to your winter

sports equipment; or

• your winter sports equipment is temporarily delayed in transit for

more than 24 hours.

We will also cover the cost of a replacement lift pass if it is lost or stolen.

For each insured person, we will pay up to:

• £500 for winter sports equipment owned by you;

• £400 for winter sports equipment hired to you;

• £300 for a replacement lift pass;

• £20 per day for hire of replacement winter sports equipment, up to a

maximum of £300.

Delay due to avalanche.

We will pay for the cost of extra travel and accommodation if an avalanche

delays your arrival at, or departure from the booked resort.

For each insured person, we will pay up to £200.

Piste closure.

This cover does not apply to cross-country skiing.

We will pay you a daily benefit if all pistes at your booked resort are closed

due to lack of snow, excessive snow or high winds.

For each insured person we will pay a daily benefit of £20 up to a

maximum of £300.

Medical inconvenience.

If, due to illness or injury, you are medically certified as being unable to ski

or board we will pay a benefit for the proportionate cost of your non-

refundable ski pack (ski lessons from a ski school, ski hire and lift pass).

For each insured person, the most we will pay is £500.

Excess.

We will not pay the first £40 for any claim for winter sports equipment

owned by you, unless the Excess waiver upgrade has been purchased.

Claims conditions.

Winter sports equipment:

1. If your winter sports equipment is lost or damaged by an authority,

a transport company or hotel, you must report the details of the loss

or damage to them in writing and request written confirmation.

2. If your winter sports equipment is lost or damaged by an airline,

you must:

a) get a property irregularity report;

b) give written notice of the claim to the airline within the time limit

in their conditions of carriage (you should keep a copy);

c) keep all travel tickets and tags if you claim under this policy.

3. You must report any loss or theft to the police as soon as reasonably

possible following discovery, and get a written report (where it

is not possible to obtain a police report you must provide other

independent proof of the loss or theft, such as a letter from your

transport company, hotel, or resort management).

Piste closure:

You must provide evidence from your tour operator or resort management

that all pistes were closed, and how long they were closed for.

What is not covered

1. Anything mentioned in the ‘General exclusions’ or ‘Your

health’sections.

2. Any claim where the maximum limit of 31 days for winter sports has

been exceeded.

Winter sports equipment:

1. Deliberate or malicious damage caused by an insured person.

2. Loss or damage to winter sports equipment caused by an insured

person’s carelessness or neglect.

3. Hired winter sports equipment which is damaged while being used.

4. Wear and tear, loss of value and damage caused by moths or vermin,

or any process of cleaning, repairing or restoring.

5. Loss or theft of winter sports equipment which you have deliberately

left somewhere that is not in your full view and with no one known to

you looking after it.

6. Theft of winter sports equipment from a locked room, safe, motor

vehicle or caravan unless there is visible evidence of forcible and

violent entry.

7. Theft of winter sports equipment from an unattended motor vehicle

unless it has been placed out of view.

8. Any winter sports equipment delayed, detained or confiscated by

customs or other officials.

Sports and activities.

Leisure activities.

You are covered for taking part in the following leisure activities subject to

the limitations shown. If you would like to take part in any sport or activity

not listed below, please call Gold Membership Services and we may be able

to upgrade your policy for an additional premium.

abseiling (under supervision of a qualified instructor)

aerobics

archery

artificial wall climbing

badminton

banana boating or ringos

baseball

basketball

body boarding (boogie boarding)

bowls or petanque

bridge walking (under supervision of a qualified guide)

bungee jumping

camel or elephant rides

canoeing (up to grade 2 rivers)

canopy/treetop walking (no cover under ‘Accidental death or permanent

disability’ or ‘Personal liability’ sections)

cave/river tubing (under supervision of a qualified instructor/guide)

charity/conservation work (must be organised through a registered

organisation, voluntary only and not involving work at heights over 3 metres

or work in a healthcare facility)

clay pigeon or small-bore shooting (within organisers guidelines)

coasteering (must be accompanied by a qualified guide)

cricket

croquet

curling

cycling (no racing)

deep sea fishing

dinghy sailing

dodgeball

fell walking/running

fencing

fishing

football

gliding (no cover under ‘Accidental death or permanent disability’ or

‘Personal liability’ sections, passenger only and must be organised through

a licensed operator)

go-karting

golf

handball

hiking, hill walking, rambling and trekking (up to 2,500 metres altitude)

horse riding or hacking (excluding competitions, racing, jumping or hunting)

hot-air ballooning (passenger only)

ice skating (no hockey or speed skating)

jet boating

jet skiing

kayaking (up to grade 2 rivers)

microlighting (no cover under ‘Accidental death or permanent disability’ or

‘Personal liability’ sections, passenger only and must be organised through

a licensed operator)

motorcycling (up to 125cc, no cover under ‘Personal liability’ section)

mountain biking (downhill grades 1 or 2 only, no free riding, four cross, dirt

jumping or trials)

netball

orienteering or geocaching

paintball (wearing eye protection)

parascending (over water only)

pony trekking

quad biking

raquet ball

rafting (white or black water and up to grade 2 rivers)

roller skating or blading (wearing pads and helmets)

rounders

rowing (excluding racing)

running/jogging (non-competitive and not marathons)

safari trekking (must be organised tour)

scuba diving up to 30 metres (must be accompanied by a qualified scuba

diving instructor or dive master at all times)

segway (no cover under ‘Accidental death or permanent disability’ or

‘Personal liability’ sections)

shark cage diving (organised through a licensed operator)

sightseeing flights/helicopter rides (passenger only and organised through

a licensed operator)

skateboarding (wearing pads and helmets)

snorkelling

softball

squash

surfing or flowriding

swimming

swimming with dolphins

table tennis

tandem sky diving (no cover under ‘Accidental death or permanent

disability’ or ‘Personal liability’ sections, and must be organised through a

licensed operator)

team sports

ten pin bowling

tennis

trampolining

tug of war

volleyball

wakeboarding

water polo

waterskiing

windsurfing

yoga

yachting

zip lining

zorbing or sphering

Winter sports activities.

You are covered for the following winter sports activities for a maximum of

31 days in any calendar year, subject to any limitation shown below. If you

would like to take part in any winter sports activity not listed below, please

call Gold Membership Services on 0345 835 3834 and we may be able to

upgrade your policy for an additional premium.

Cross country/Nordic skiing (on recognised paths only)

Dog sledding

Dry slope skiing

Glacier walking/skiing (accompanied by a qualified guide at all times)

Ice skating

Indoor skiing or snowboarding

Off-piste skiing or snowboarding (accompanied by a qualified guide at all

times and only in areas that resort management consider to be safe)

Skiing or snowboarding (recognised pistes only)

Sledging

Sleigh rides

Snow mobiling

Snow shoeing

What is not covered.

1. There is no cover at all for any injury or death if, during your trip, you

take part in any Leisure activity or Winter sports activity:

a) that is not shown on pages 39 to 41;

b) either as a professional or where you receive any nancial

reward or gain;

c) for the purpose of practising for or taking part in:

i) any speed or time trial or race of any kind;

ii) any organised team competition or tournament.

d) if you suffer from a medical condition which would normally

prohibit you from participating in that activity;

e) where you have failed to follow all safety guidelines and use the

necessary safety equipment.

2. If you have to cancel your trip or come home early, there is no

cover for:

a) any course or tuition fees, project costs or sponsorship fees or

similar (other than your prepaid ski pack);

b) cancellation of a prepaid leisure activity by the organiser of

that activity.

3. There is no cover for any hired winter sports equipment or sports

equipment which is damaged whilst being used.

Optional Covers.

These sections only apply if you have purchased the optional upgrade(s)

and they are shown on your upgrade schedule.

Other upgrades are available if you want to extend cover to include

additional travellers, or for family cover. Please read the ‘Upgrades’

section on page 21.

Wedding/Civil Partnership cover (optional).

The ‘Baggage and personal money’ section is extended to cover you for the

loss, theft or accidental damage to:

a) outts and accessories (including dress, shoes, suit, make-up,

hairstyling and owers) bought specically to be worn by you and/or

your partner during the ceremony;

b) rings to be exchanged by you and your partner during the ceremony;

c) gifts received by you and/or your partner during the trip.

We will pay for the repair or replacement, whichever is lower, after making

an allowance for wear and tear and loss of value.

We will pay up to:

• £1,500 overall for outfits and accessories;

• £250 for each wedding ring;

• £1,000 overall for wedding gifts, including up to £150 for cash.

We will also pay up to £750 overall for the reasonable additional costs

incurred to reprint/make a copy or retake the photographs/video

recordings either at a later date during the trip or at a venue in the UK if:

d) the professional photographer who was originally booked for your

wedding day is unable to full their obligations due to illness, injury or

unforeseen transport problems; or

e) the photographs/video recordings of the wedding day taken by a

professional photographer are lost, stolen or damaged within 14 days of

the wedding and while you are still at the holiday/honeymoon location.

Excess.

We will not pay the first £40 for any claim for baggage, unless the Excess

waiver upgrade has been purchased.

Claims conditions.

Please read the Claims conditions shown under the ‘Your possessions’

section on page 36.

What is not covered.

Anything mentioned in the ‘General exclusions’ or ‘Your

possessions’ sections.

Disability benefit following a road traffic

accident in New Zealand (optional).

If you are involved in a road traffic accident while travelling in a hire car

in New Zealand and you sustain a serious bodily injury which solely and

independently results in your temporary total disablement we will pay you

£250 per week for a maximum of 52weeks from the date of the injury.

Claims conditions.

Benefit is not payable:

a) for the rst 7 days of your disablement, or for more than 52 weeks from

the date of the original accident; and

b) if you are able to carry out a substantial part of your gainful

employment or occupation; or

c) if you are not in gainful employment or occupation and you are not

necessarily conned to your home, hospital, nursing home or similar

residential care home.

What is not covered.

Anything mentioned in the ‘General exclusions’ section.

Golf cover (optional).

The ‘Baggage and personal money’ section is extended to provide cover

for your golf equipment (clubs, balls, bag, trolley and shoes) if they are lost,

stolen or accidentally damaged.

The most we will pay for each insured person is £1,500.

If your golf equipment is lost, stolen, accidentally damaged or temporarily

lost in transit for more than 24 hours, we will also pay up to £35 per day up

to a maximum of £175 towards the cost of hiring replacement equipment.

If you make a valid claim under the ‘Cancelling your trip or coming home

early’ section we will cover the cost of your pre-booked green fees of up to

£75 per day to a maximum of £300.

Excess.

We will not pay the first £40 for any claim for golf equipment, unless the

Excess waiver upgrade has been purchased.

Claims conditions.

Please refer to the Claims conditions shown under the ‘Your possessions’

section on page 36.

What is not covered.

Anything mentioned in the ‘General exclusions’ or ‘Your possessions’

sections on pages 23 and 36.

Complaints procedure.

Our Promise of Service.

Our goal is to give excellent service to all our customers but we recognise

that things go wrong occasionally. We take all complaints we receive

seriously and aim to resolve all our customers’ problems promptly.

Toensure that we provide the kind of service you expect we welcome your

feedback. We will record and analyse your comments tomake sure we

continually improve the service we offer.

What will happen if you complain?

• We will acknowledge your complaint promptly

• We aim to resolve all complaints as quickly as possible

Most of our customers’ concerns can be resolved quickly, but occasionally

more detailed enquiries are needed. If this is likely, we will contact you with

an update within 10 working days of receipt and give you an expected date

of response.

What to do if you are unhappy.

If you are unhappy with any aspect of the handling of your claim we would

encourage you, in the first instance to seek resolution by contacting:

• the relevant claims helpline shown on page 4; or

• The TSB Claims Department, Aviva Insurance Limited, PO Box 432,

Chichester PO19 1QA.

If your complaint is regarding anything else please contact:

• Gold Membership Services on 0345 835 3834.

If you are unhappy with the outcome of your complaint you may refer the

matter free of charge to:

• The Financial Ombudsman Service at The Financial Ombudsman Service,

Exchange Tower, London E14 9SR

• Telephone: 0800 023 4567 (free from landlines and mobiles)

• Simply log into their website at www.financial-ombudsman.org.uk

• You can also contact the Financial Ombudsman by using the online

dispute resolution platform known as ODR, which you can access at

www.ec.europa.eu/odr

Whilst we are bound by the decision of the Financial Ombudsman Service,

you are not. Following the complaints procedure does not affect your right

to take legal action.

Data Protection – Privacy Notice.

Personal Information.

We collect and use personal information about you so that we can provide

you with a policy that suits your insurance needs. This notice explains the

most important aspects of how we use your information but you can get

more information about the terms we use and view our full privacy policy

at www.aviva.co.uk/privacypolicy or request a copy by writing to us at

Aviva, Freepost, Mailing Exclusion Team, Unit 5, Wanlip Road Ind Est, Syston,

Leicester LE7 1PD.

The data controller responsible for this personal information is Aviva

Insurance Limited as the insurer of the product. Additional controllers

include TSB Bank PLC who are responsible for the sale and distribution of

the product, and any applicable insurers, reinsurers or brokers we use.

Personal information we collect and how we use it.

We will use personal information collected from you and obtained from

other sources:

• to provide you with insurance: we need this to decide if we can offer

insurance to you and if so on what terms and also to administer your

policy, handle any claims and manage any renewal,

• to support legitimate interests that we have as a business.

Weneed this to:

• manage arrangements we have with our insurers, reinsurers and

brokers we use, and for the detection and prevention of fraud,

• help us better understand our customers and improve our customer

engagement. This includes profiling and customer analytics which

allows us to make certain predictions and assumptions about your

interests, make correlations about our customers to improve our

products and to suggest other products which may be relevant or of

interest to customers,

• to meet any applicable legal or regulatory obligations: we need this

to meet compliance requirements with our regulators (e.g. Financial

Conduct Authority), to comply with law enforcement and to manage

legal claims, and

• to carry out other activities that are in the public interest: for example

we may need to use personal information to carry out anti-money

laundering checks.

We may also use personal information about other people, for example

family members you wish to insure on a policy. If you are providing

information about another person we expect you to ensure that they

know you are doing so. You might find it helpful to show them this

privacy notice.

The personal information we collect and use will include name, address,

date of birth and financial information. If a claim is made we will also

collect personal information about the claim from you and any relevant

third parties. We may also need to ask for details relating to the health

or any unspent offences or criminal convictions of you or somebody else

covered under your policy. We recognise that information about health

and offences or criminal convictions is particularly sensitive information.

We’ll ensure that we only use that information where we need to for our

insurance purposes (including assessing the terms of your insurance

contract, dealing with changes to your policy and/or dealing with claims).

There may be times when we need consent to use personal information

for a specific reason. If this happens we will make this clear to you at the

time. If you give us consent to using personal information, you are free

to withdraw this at any time by contacting us – refer to the “Contacting

us” details below. Please note that if consent to use this information is

withdrawn we will not be able to continue to process the information you

gave us for this/these purpose(s). This would not affect our use of the

information where consent is not required.

Of course, you don’t have to provide us with any personal information, but

if you don’t provide the information we need we may not be able to proceed

with your application or any claim you make.

Some of the information we use as part of this application may be provided

to us by a third party. This may include information already held about you

within the Aviva group, including details from previous quotes and claims,

information we obtain from publicly available records, our trusted third

parties and from industry databases, including fraud prevention agencies

and databases.

Automated decision making.

We carry out automated decision making to decide whether we can provide

insurance to you and on what terms, deal with claims or carry out fraud

checks. In particular we use an automated underwriting engine to provide a

quote for this product, using the information we have collected.

How we share your personal information with others.

We may share your personal information:

• with the Aviva group, our agents and third parties who provide services

to us, TSB Bank PLC and other insurers (either directly or via those

acting for the insurer such as loss adjusters or investigators) to help us

administer our products and services,

• with regulatory bodies and law enforcement bodies, including the

police, e.g. if we are required to do so to comply with a relevant legal or

regulatory obligation,

• with other organisations including insurers, public bodies and the police

(either directly or using shared databases) for fraud prevention and

detection purposes,

• with reinsurers who provide reinsurance services to Aviva and for each

other in respect of risks underwritten by Aviva, with insurers who cover

Aviva under its group insurance policies and with our brokers who

arrange and manage such reinsurance and insurance arrangements.

They will use your data to decide whether to provide reinsurance and

insurance cover, arrange and manage such cover, assess and deal with

reinsurance and insurance claims under such cover and to meet legal

obligations. They will keep your data for the period necessary for these

purposes and may need to disclose it to other companies within their

group, their agents and third party service providers, law enforcement

and regulatory bodies.

Some of the organisations we share information with may be located

outside of the European Economic Area (“EEA”). We’ll always take steps

to ensure that any transfer of information outside of Europe is carefully

managed to protect your privacy rights. For more information on this

please see our Privacy Policy or contact us.

How long we keep your personal information for.

We maintain a retention policy to ensure we only keep personal information

for as long as we reasonably need it for the purposes explained in this

notice. We need to keep information for the period necessary to administer

your insurance and deal with claims and queries on your policy. We may

also need to keep information after our relationship with you has ended,

for example to ensure we have an accurate record in the event of any

complaints or challenges, carry out relevant fraud checks, or where we are

required to do so for legal, regulatory or tax purposes.

Your rights.

You have various rights in relation to your personal information, including

the right to request access to your personal information, correct any

mistakes on our records, erase or restrict records where they are no

longer required, object to use of personal information based on legitimate

business interests, including profiling and marketing, ask not to be subject

to automated decision making if the decision produces legal or other

significant effects on you, and data portability. For more details in relation

to your rights, including how to exercise them, please see our full privacy

policy or contact us – refer to the “Contacting us” details below.

Contacting us

If you have any questions about how we use personal information, or if

you want to exercise your rights stated above, please contact our Data

Protection team by either emailing them at dataprt@aviva.com or writing

to the Data Protection Officer, Level 5, Pitheavlis, Perth PH2 0NH.

If you have a complaint or concern about how we use your personal

information, please contact us in the first instance and we will attempt to

resolve the issue as soon as possible. You also have the right to lodge a

complaint with the Information Commissioners Office at any time.

Compensation.

We are members of the Financial Services Compensation Scheme (FSCS).

You may be entitled to compensation from this scheme if we cannot meet

our obligations, depending on the type of insurance and the circumstances

of your claim. Further information about the scheme is available from the

FSCS website www.fscs.org.uk

TSB11487 (10/22)

Worldwide Travel Insurance is underwritten by Aviva Insurance Limited. Registered Office: Pitheavlis, Perth, PH2 0NH. Authorised by the Prudential Regulation Authority

and the Financial Conduct Authority. Registration no 202153.

Need some extra help to do your banking? This might be due to physical or mental wellbeing or a life event.

We’re here to support you. Let us know what you need by calling 03459 758 758, chat to us in the Mobile

Banking App, or visit us in branch.

This information is available in large print, Braille and audio. Ask in branch or call us on 03459 758 758

(lines are open from 8am to 8pm, 7 days a week).

If you have a hearing or speech impairment you can call us using the National Relay UK service.

Type‘18001’ before entering our telephone number. A member of the Royal National Institute for

DeafPeople will join the call to speak with us as you send and receive text messages. Please visit

www.relayuk.bt.com to read how they manage your data.

Our lost and stolen card and fraud reporting lines are open 24/7. Not all Telephone Banking services are available 24 hours, 7 days a week.

If you need to call us from abroad, or prefer not to use our 0345 number, you can also call us on 0044 203 284 1575. Calls may be monitored or recorded.

TSB Bank plc Registered Office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland No. SC95237.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the

Prudential Regulation Authority. Registration No. 191240.

All information correct as at October 2022.

For medical emergencies:

Call 0044 (0) 1603 603 710

For claims:

Call 0345 835 3834

If you would rather not use an 0345 number or are

calling from abroad call 0044 (0) 203 284 1585.

What to do in an emergency...