for policies purchased between 1st April 2007 and 31st March 2008

Name of the Insurer:

AXA Insurance UK plc.

Type of Insurance: The Insurance provides cover for a range of travel insurance benefits for a range of different policies.

SIGNIFICANT FEATURES

• Payment for loss of deposits for travel and accommodation due to cancellation, or for cutting your holiday short.
• Payment for irrecoverable sums if the scheduled airline becomes insolvent before or after departure.
• Payment for the cost of emergency repatriation to the U.K (or Eire.)
• Payment for the cost of emergency medical, surgical, hospital or dental treatment.
• Payment of transporting your remains to the U.K or Eire following your death.
• Payment of a lump sum following an accident resulting in death, loss of limbs, loss of sight or permanent total disablement.
• Payment of reasonable additional costs for travel and accommodation if you miss your departure.
• Personal liability costs in the event you accidentally injure a third party and/or accidental damage their property.
• Legal costs incurred by you in pursuit of legal proceedings against third parties.
• Compensation for lost, damaged or stolen baggage. (not effected in Discovery Light policies)
• Compensation for loss of personal monies. (not effected in Discovery Light policies)

Winter Sports

The following cover is also applicable when the appropriate / additional premium has been paid for the issue of single-trip winter sports cover or added to an annual multi-trip policy.

• Medical expenses relating to accidental injury through winter sports activities covered under the policy.
• Compensation for loss or damage to owned or hired ski equipment.
• Costs for necessary hire of ski equipment due to loss or breakage of your ski equipment.
• Value of any unused ski pack (ski pass, ski hire or tuition fee) due to sickness, accident, loss or theft of ski equipment.
• Compensation for piste closure due to lack of snow or adverse weather conditions.
• Additional travel and accommodation expenses due to travel delay caused by avalanche closure.

Business Cover

The following cover is also applicable when the appropriate additional premium has been paid for the issue of a Business Annual Multi-trip policy.

• Compensation for the value of lost, stolen or damaged computer equipment, communication devices and other business related equipment carried by you.
• Emergency courier of essential business baggage as a result of loss, theft or damage.
• The cost of business equipment hire following loss or breakage, or misdirection / delay during transit.
• The loss of cash or travellers cheques which is the property of you or your employer.
• The cost for necessary employee replacement due to bodily injury or illness.

Golf Cover

The following cover is also applicable when the additional premium has been paid.

• Compensation for lost, stolen or damaged golf equipment.
• Cost of necessary hire of golf equipment following misdirection or delay in transit.
• Cost of pre-paid green fees due to closure of green due to adverse weather.

Motorcycling

The following cover is also applicable when the Motorcycling Travel Insurance policy has been purchased.

• Claims relating to Motorcycling on motorcycles up to 1400cc.

SIGNIFICANT EXCLUSIONS

Medical conditions:

If at the time of taking out the insurance or booking a trip you or any person upon whose health your travel plans depend:

• is on a hospital waiting list.
• is pregnant, where on single trip policies birth is expected within 14 weeks of the expiry of the policy, or where on multi trip polices birth is expected within 14 weeks of the return date of the trip.
• is travelling against the advice of a medical practitioner, or for the purpose of receiving medical treatment.
• has received a terminal prognosis.

… this insurance will exclude any claims arising directly or indirectly as a result of that condition.

The policy excludes* claims relating to any of the following medical conditions where these have been previously suffered, diagnosed or treated for:

• A malignant disease.
• A lung or heart-related condition. (other than well controlled asthma)
• Hypertension.
• Anxiety, depression, or a psychiatric disorder.
• Medical conditions which in the last 12 months have required hospital inpatient treatment, referral to a specialist or requires ongoing treatment.

* Unless declared and accepted at time of application

The policy excludes claims relating to any medical condition which has been suffered within the last 12 months and has required either: On-going medical treatment; referral to a specialist; or hospital inpatient treatment.

For full details please see Medical Expenses (section B) of the policy wording.

Personal Effects and Baggage:

• Compensation for loss or damage to personal effects, baggage and valuables are subject to maximum limits, and single item limit.
• There is no cover for property left unattended in a place to which the general public has access.
  For full details please see personal effects and baggage (section D) of the policy wording

Motorcycle Travel Insurance

Motorcycling cover is only available to riders of their own motorcycle up to 1400cc. There is no cover for motorcycle related personal liability claims or personal accident claims and there is no cover for claims related to racing, time trials, or similar track riding.

Personal Money

• Compensation for loss or theft to personal money is subject to maximum limits.
• No cover for loss or theft of personal money left in checked-in luggage or an unattended motor vehicle.
  For full details please see personal money (section E) of the policy wording

Sports and Hazardous Activities

We have included a comprehensive range of activities which are covered on a casual or incidental basis as standard, and an additional list of activities which are covered on a non-incidental or regular basis with reduced cover and subject to increased medical excess. Read these carefully as we exclude cover for activities not listed. (Page 5)

Personal Liability
There is no cover for Personal Liability arising directly or indirectly associated with use of any vehicle, automobile, aircraft, watercraft, or any mechanically propelled conveyance.
For full details please see personal liability (section J) of the policy wording.

SIGNIFICANT LIMITATIONS

• The Assistance Services must be contacted as soon as possible in the event of you being admitted to hospital, curtailing for medical reasons, you dying or incurring medical expenses,
• You must exercise reasonable care to prevent illness, injury or loss or damage to your property, as if uninsured.
• Claims may be subject to an excess. This is the amount you have to pay.
• Any loss of baggage or personal money must be reported to the police within 24 hours and a police report obtained.
• To be eligible for this policy, you must have lived in the U.K / Eire for the previous six months.

DURATION OF COVER

Single Trips: Section A1 - Cancellation Cover is effective from the time and date of issue of the insurance policy and ends at the start of the insured trip. For all other sections, cover starts when you leave your home or business (whichever is later) to start the trip and ends whichever occurs first of the following: (a) The expiry date of the insurance; (b) Your return home at the end of the trip; (c) Your return home prior to the end of the planned trip. (On trips of more than 4 months duration, one return home is permitted during which time the cover is suspended.)

Annual Multi-Trips: Section A1 – Cancellation Cover for each trip is effective either from the commencement date of the insurance or the time and date at which each trip is booked (whichever is later) and ends at the start of the insured trip. For all other sections, cover starts when you leave your home or business (whichever is later) to start each trip and ends whichever occurs first of the following: (a) The expiry date of the insurance; (b) Your return home at the end of the trip; (c) Your return home prior to the end of the planned trip; (d) Your period of travel exceeds the specified trip duration.

CANCELLATION RIGHTS

We hope you are happy with the cover this policy provides however you have the right to cancel it within 14 days of issue provided that a claim does not exist, and travel has not commenced.
See page 2 'Cooling off period'

MAKING A CLAIM

If you have a claim, please telephone Travellers Protection Services on Tel: +44 (0) 8707 744 199 within 28 days of the event.

EMERGENCY ASSISTANCE

Whilst in the USA, Canada, Caribbean or Mexico: GLOBAL EXCEL should be contacted before proceeding with any medical treatment. Global Excel will direct You to the nearest medical provider and may guarantee costs on Your behalf.

From the USA and Canada:
Global Excel Management Incorporated
Phone Toll Free 1-800-709-3422

From the Caribbean or Mexico:
Global Excel Management Incorporated
Phone +1-819-566-1513

COMPLAINTS

We hope that you will be pleased with the service we provide, however, if for any reason you are unhappy with this, please write to The Managing Director, Travel Insurance Agencies Limited, Rowan House, 226 Unthank Road, Norwich, Norfolk, NR2 2AH Tel: +44 (0)1603 464 123. If you are still not satisfied please write to Our Claims Manager, U K Underwriting Ltd, 2 Gibraltar House, Bowcliffe Road, Leeds, LS10 1RJ. If you are still not happy with the response you have received, you have the right to ask the Financial Ombudsman Service to review your case.

FINANCIAL SERVICES COMPENSATION SCHEME

AXA Insurance UK plc are covered by the Financial Services Compensation Scheme (FCSC). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 100% of the first £2,000 and 90% of the remainder of the claim. You can get more information about compensation scheme arrangements from the FSCS.

The subscribing insurers' obligations under contracts of insurance to which they subscribe are several and not joint and are limited solely to the extent of their individual subscriptions. The subscribing insurers are not responsible for the subscription of any co-subscribing insurer who for any reason does not satisfy all or part of its obligations.