Common Definitions - Part One

The following words or expressions carry the meaning shown below whenever they appear in bold print within the wording of the Certificate:

RELATIVE: Mother, Father , Wife, Husband, Son, Daughter, Brother, Sister, Grandmother, Grandfather, Grandchild, Parent-In-Law or Son or Daughter-In-Law or Fiance(e).

PERIOD OF INSURANCE, ANNUAL POLICIES ONLY: Cover is for all trips up to maximum duration of 31 days outside Your country of normal residence which take place during Your Certificate period. Cancellation cover commences from the issue of Your Certificate. The remaining covers apply for the period of the trip including the direct Outward Journey and end upon completion of the direct Return Journey. Winter Sports cover is only operative and shall be subject to the Winter Sports endorsement.

WE/OUR/US: As set out on page 1 the benefits under this certificate are insured by The Professional Travel Insurance Company Limited.

PERIOD OF INSURANCE, SINGLE TRIP ONLY: Cancellation cover commences from the Date of Issue of the Certificate Schedule and expires upon Section D1 (2) Cancellation Compensation.

The remaining covers apply for the period of Your trip up to the maximum 12 months including the direct Outward Journey and ends upon completion of the direct Return Journey but in any event not exceeding the period of cover for which the premium has been paid. Section F is operative for a maximum period of 24 hours prior to the commencement of the Outward Journey and end 24 hours after completion of the Return Journey in respect of Money collected for the purposes of the trip.

YOU/YOUR: Any person named on the Certificate Schedule who is eligible to be insured and for whom premium has been paid.

CURTAIL/CURTAILMENT: Abandonment of the planned trip by return to the United Kingdom after commencement of the Outward Journey. The amount payable will be the unused proportion of Your irrecoverable pre-paid charges calculated from the date of Your return to the United Kingdom. All Curtailment claims will need authorisation from Us in advance.

FAMILY: Two adults living together for more than six months and up to 4 children under 18 or 24 in full time education.

CLOSE BUSINESS ASSOCIATE: Your associate in the same employment as You whose absence from work necessitates You having to cancel Your trip as certified by Your Senior Director or Partner.