The following Travel Insurance Glossary of Insurance Terms are designed to be a general guide to some
of the words used on this web site. You must always refer to
the Policy Schedule for full details and explanation of these
terms. Exclusions may apply.
| Insurance Term |
Definition |
| Accident |
A loss sustained through an unexpected event. |
| Assistance Services |
Services provided by the 24-hour Assistance
Company regarding medical matters and expenses, loss of travel
documents, credit cards, luggage, etc. |
| Personal Effects and Baggage |
Coverage for personal property taken or purchased
on trip which is accidentally lost, stolen or damaged. |
| Benefits |
The amount you receive in respect of a claim
that is covered. |
| Cancellation |
Necessary cancellation prior to departure
because of unforeseen events such as serious illness, injury,
death, etc. |
| Cash |
Currency, notes and coins, |
| Catastrophe |
Natural catastrophe causing disruption to
your trip (including hurricane, fire, lightning, explosion,
earthquake, storm, tempest, flood) |
| Claims Handler |
The loss adjusters listed on the policy certificate. |
| Close Business Associate |
Any person whose absence from business for
one or more complete days at the same time as you prevents
the effective continuation of that business. |
| Common Law Partner |
Any couple (including same sex) in a common
law relationship who have cohabited for at least six months |
| Curtailment |
Cutting your trip short because of unforeseen
events such as serious illness, injury, death, etc. |
| Curtailment Costs |
Costs incurred to return insured home before
booked return date. |
| Dangerous Sports |
Coverage which is excluded because of increased
risk of injury or Pastimes |
| Date of Issue |
The date shown on your policy showing when
it was issued / purchased |
| Emergency Repatriation |
Return to the UK or Ireland by air ambulance
if necessary and an accompanying doctor or nurse if required. |
| Excess |
This is the portion of the claim which you
have to pay. |
| Hazardous Activity |
An activity where it is recognised there is
an increased risk of injury or can be reasonably expected
to exacerbate an existing medical condition. |
| Holiday Abandonment |
Cancellation due to a delay of not less than
24 hours beyond scheduled departure time. |
| Your Home |
Your usual place of residence in the U. K.
or Republic of Ireland. Including BFPO addresses members
of the armed forces. |
| Hospitalisation Benefit |
An additional benefit to cover incidental
expenses which is paid if the Insured is a hospital in-patient
as a direct result of a covered accidental injury or illness.
This is separate from Medical Expenses. |
| Incidental Basis |
Participation in a hazardous activity on a
casual, fortuitous, occasional or minor basis. Sports
tours and/or activity holidays would be considered to include
participation in hazardous activities on a non-incidental
basis. |
| Insured Persons: |
The names listed on the policy certificate. |
| Level of Cover |
The amount covered under each Section of the
Policy |
| Material Facts |
Any fact known to Insured which is likely
to influence the Underwriter in acceptance, assessment or
continuation of insurance. |
| Medical Expenses |
Medical expenses incurred as a result of accidental
bodily injury or illness. |
| Missed Departure |
If you miss your first outward bound trip
or final inbound trip because of the failure of a scheduled
public transport service or the breakdown or accident of
a private car in which you are travelling. |
| Money & Documents |
Bank and currency notes, coins, travel and
admission tickets, accommodation and meal vouchers. |
| Mugging Benefit |
Inpatient hospital treatment following a violent,
threatening attack by a third party causing actual bodily
harm. |
| Pair or Set |
Two or more items of personal effects which
are complimentary or used or worn together. |
| Personal Accident |
A compensationary payment made in the event
of permanent disablement or death. This is distinct from
Medical Expenses. |
| Personal Liability |
Covers your legal liability for accidental
injury to third parties or accidental damage to their property. |
| Personal Money |
Cash and travellers cheques |
| Piste Closure |
If Ski Cover is Purchased: When skiing
is prohibited for a period longer than 12 hours during specific
periods depending on location, hemisphere and altitude. |
| Policy Document |
Document which outlines what is and is not
covered and conditions of cover. |
| Pre-existing Medical Condition |
Any ongoing medical condition, or condition,
which has or will require medical treatment, including consultations
or advice, within last 12 months. |
| Property Claims |
Claims are based on value of good at time
of loss with deduction for wear, tear and depreciation |
| Public Transport |
A train, bus, coach or ferry service, or scheduled
flight, running to a published timetable to join the booked
travel itinerary |
| Reasonable Care |
Insured must take reasonable care to prevent
illness, injury, loss or damage to self or property as if
uninsured. |
| Reciprocal Health Agreement |
This is an agreement between certain European
countries entitling their citizens to certain free health
arrangements upon production of European Health Insurance
Card (EHIC) |
| Relative |
Spouse, parent, parent-in-law, step-parents,
step children, son, son-in-law, daughter, daughter-in-law,
grandparents, grandchild, brother, brother-in-law, sister,
sister-in-law, fiance(e) or common law partner |
| Repatriation |
See Emergency Repatriation |
| Scheduled Airline |
Cover for sums paid in advance in event of
insolvency of scheduled airline Failure provider. |
| Single Item |
Any one article, Pair, Set or collection |
| Ski Equipment |
If Ski Cover is Purchased: Skis, ski
boots, ski sticks, ski bindings, snowboard, snowboard bindings
and snowboard boots |
| Ski Hire |
If Ski Cover is Purchased: Loss, breakage
or delay in transit of the Insured’s ski equipment
necessitating the hire of ski equipment. |
| Ski Pack |
If Ski Cover is Purchased: Cover for
unused ski pass, ski hire or lesson fees resulting from accident
or sickness, or loss or theft of ski pass |
| Sports Equipment |
Items which are usually worn, carried, used
or held during the participation of a sporting activity |
| Territorial Limits |
The geographical areas or countries as designated
on the quote or policy certificate |
| Travel Delay |
The delay of first outward and/or final inbound
flight, rail or sea trip from the UK or Republic of Ireland |
| Travel Documents |
Passport, green card, travel tickets, visas,
accommodation vouchers and petrol coupons which are lost
or stolen. |
| Travelling Companion |
A person who is booked to travel with the
Insured. |
| Underwriter |
The Underwriter is the firm who actually insures
you as distinct from the broker or issuing agent. |
| Valuables |
Certain items such as, but not limited to,
photographic equipment, jewellery, sunglasses, etc. which
are detailed in the policy schedule. |
| Wintersports |
If Ski Cover is Purchased: You can
find a list of wintersports here. |
| Withdrawal of Services |
Facilities withdrawn by your pre-booked hotel
due to strike or industrial action following purchase of
insurance |
