Common Definitions - Part Two

UNATTENDED: Means left away from Your person where You are unable to clearly see and get hold of Your Personal Possessions or Money or Passports, Tickets and Documents.

PERSONAL POSSESSIONS: Baggage, clothing, personal effects including Valuables and gifts purchased outside the United Kingdom, subject to the limits and Exceptions detailed under Section E.

EXCESS: The amount of money You will have to pay towards the cost of each claim under the Certificate, after the application of the Certificate limits.

ACCOMMODATION: The lodging room of no greater standard than that provided as part of your prepaid charges in the vicinity of the hospital where the Insured Person is confined.

SPORTS EQUIPMENT: Those articles, which are usually worn, carried or held in the course of participating in a recognised sport.

MONEY: Money taken for private purposes comprising of coins, bank or currency notes, postal or money orders, travellers’ cheques.

VALUABLES: Jewellery, articles made of gold, silver or other precious metals, precious or semi-precious stones, watches, binoculars, telescopes, photographic equipment, electronic audio or video equipment including tapes, compact discs, cartridges, discs, computer equipment including software, musical instruments, furs or leather clothing (excluding footwear).

CASH: Currency notes, bank notes or coins of any type.

ADVANCED BOOKING: Any booking made at least 24 hours prior to the scheduled departure time shown on Your ticket.

OUTWARD JOURNEY: The initial journey by motor transport, train, aircraft, watercraft undertaken in conjunction with the trip in respect of the Outward Journey from Your home address in the United Kingdom.

PASSPORTS, TICKETS and DOCUMENTS: Passports, travel tickets, ski lift passes (if additional premium paid for Winter Sports cover), green card, petrol coupons, driving licences and phone cards.

RETURN JOURNEY: The initial Journey by motor transport, train, aircraft or watercraft undertaken in conjunction with the trip in respect of the Return Journey to Your home address or a hospital or nursing home in the United Kingdom.

HAZARDOUS PURSUITS: Any pursuit or activity where it is recognised there is an increased risk of injury or accident or can be reasonably expected to aggravate any existing infirmity (please contact Us if You are in any doubt with full details of the activity for Our consideration).