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Cycleplan bike insurance at www.cycleplan.co.uk.Underwritten by Aviva. Cycleplan covers the following: All policy covers are optional, so you can pick and choose the cover that You need. The below policy options are available: Theft, Accidental Damage and Malicious Damage to Bicycles up to £30,000 and Accessories up to £1,000; Your legal liability for accidental Bodily Injury to a third party or Accidental Damage to third party property up to £5m; Personal accident to provide compensation in the event of death, permanent disablement, broken bones, hospitalisation or the need for physiotherapy up to £50,000; Loss of earnings as a result of an Accident whilst using a Bicycle up to £750 per week; Replacement cycle hire following a claim for your Bicycle up to £1,000; Competitive use to extend your normal cover for when you have entered a Competition; Costs of non-refundable race fees you were unable to attend as a result of injury or a valid bike claim up to £250; Taxi Fee Reimbursement to help cover your costs of getting home following an Accident on your Bicycle up to £50. What is not covered: The policy does not provide cover for Theft where the security requirements have not been met; Any claim where Evidence of Ownership cannot be provided for the Bicycle, Accessories or Approved Lock; Theft from Your Home unless the Security Requirements when the Bicycle is at Home are complied with; The use of the Bicycle for trade or business purposes (excluding commuting to or from work), hire, reward, courier use or carriage of paying passengers; Any Accident whilst the Bicycle is being used for Competitions, including racing, unless the Competition option has been selected, the additional premium paid for and the Endorsement is shown on Your Insurance Schedule; Public liability is not available to anyone under the age of 16. The restrictions on cover are: Certain limitations may apply to Your policy e.g. The Excess (the amount You have to pay on any claim); Monetary limits for certain covers; Clauses which may exclude certain losses or damage. You must ensure when using an Approved Lock it is sufficient for the insured value of Your Bicycle: Under £500 require a Thatcham approved or Sold Secure Bronze rated lock; Under £1000 require a Thatcham approved or Sold Secure Silver rated lock; Under £1500 require a Thatcham approved or Sold Secure Gold or Platinum rated lock; Over £1500 require a Sold Secure Gold or Platinum rated lock. General Security Requirements: When at Home the bicycle must be kept at one of the following locations: 1. Locked inside your home, flat or within a locked room if in a shared residence. 2. Locked inside a shed, garage, purpose built immovable bike storage box, or outbuilding which is only accessible to you and your household. This storage location must be fully enclosed and built from brick, stone, concrete, wood or metal and be within the boundaries of your home and comply with one of the following security requirements: i. All external doors must be secured by a minimum of a 5 lever mortice deadlock to BS3621 or a 5 lever or closed shackle padlock or ii. External doors must be secured by the manufacturers installed lock. 3. A communal storage location described as an underground car park, communal hallway or communal storage area which is only accessible by private residents. The bicycle must be secured to an immovable object through the frame and any quick release wheels with an approved lock. 4. On a privately accessed balcony which is not accessible from the ground floor. The bicycle must be secured to an immovable object through the frame and any quick release wheels with an approved lock. When away from the home: 1. The bicycle must be secured to an immovable object through the frame and any quick release wheels with an approved lock unless Bicycle is left in a bike rack being used at the Competition, the Competition option has been selected and the additional premium paid. Marshalls or similar officials must be on location at the bike rack areas 2. The bicycle has not been Abandoned. When the bicycle is in or on a motor vehicle 1. The bicycle must be inside the vehicle or secured through the frame by an Approved Lock to a roof or bicycle rack attached to the vehicle. 2. The roof or bicycle rack must be securely attached to the vehicle. 3. The vehicle must have all doors and windows closed and securely locked. Where does Cycleplan insurance apply: Please refer to the Territorial Limit in Your Insurance Schedule Where Europe or Worldwide is shown, then cover shall be limited to 45 days in any one trip. Cycleplan is a trading name of Ripe Insurance Services Limited which is Authorised and Regulated by the Financial Conduct Authority. No. 313411www.cycleplan.co.ukwww.cycleplan.co.ukINSURANCE BOOKLET | 3Thank you for choosing Cycleplan.Cycleplan is a trading name of Ripe Insurance Services Limited which is authorised and regulated by the Financial Conduct Authority.We have tried to make this document easy to read. However, we have still had to use some words that have a special meaning these arelisted and explained in ‘definitions’. From now on wherever a word with a definition is uses it will be printed in bold type.IMPORTANT FEATURESNAME OF THE UNDERWRITERAviva Insurance Limited (Registered in Scotland No. 2116. Registered office: Pitheavlis, Perth, PH2 0NH. Authorised by the PrudentialRegulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number202153.If the Insured shall make any claim knowing the same to be false or fraudulent, as regards amount or otherwise, this Policy shall becomevoid and all claims hereunder shall be forfeited.We must draw Your attention to a number of important features of this insurance:• This part of the document provides details of Your Policy and the terms and conditions that apply. The Policy is a legal contractbetween You and Us.• The Insurance Booklet and Insurance Schedule and any Notice to Policy Holder make one document and must be read together.Please keep them together• The contract is based on the information You gave Us when You applied for the insurance• Your Policy is in the following parts:Our part of the contract is that We will provide the cover set out in this Insurance Booklet:• for those sections which are shown on Your Insurance Schedule• for the insurance period set out on the same Insurance Schedule.Your part of the contract is:• You must pay the premium as shown on Your receipt/invoice for each insurance period• You must comply with all the terms and conditions set out in this Policy.If You do not meet Your part of the contract, We may turn down a claim, cancel your insurance or increase the premium.• Exactly what is covered and whatisn’t• How to make a claim and how We willsettle that claim• Our obligations to You• The terms and conditions You mustcomply with• The sections of the Policy that applyto you and the dates from whichcover is in force• The various limits and sums insuredthat apply to Your cover• Any special terms that apply to YourPolicy including Endorsements• Your Policy number• Provides information about anychanges to Your renewal terms andPolicy coverINSURANCE BOOKLET INSURANCE SCHEDULE NOTICE TO POLICYHOLDERSwww.cycleplan.co.ukINSURANCE BOOKLET | 4CLAIMSOUR CLAIMS DEPARTMENTIn the event you need to make a claim, Our claims service is provided by Davies Group who are Our nominated claims handers.HOW TO MAKE A CLAIMIf an event giving rise to a claim under this insurance occurs You shall:Notify Davies Group as follows:a. As soon as reasonably possible but within 30 days of the date of the incident occurringb. Within 7 days of the date of becoming aware of any loss for any claim in respect of riot, civil commotion, strikers or locked outworkers.Give details of Your claim by either:• Telephone: +44 (0)333 400 7387• Post: Cycleplan Claims Department, Davies Group, PO BOX 2801, Hanley, Stoke on Trent, ST4 5DN• Email: newclaim.cycleplan@davies-group.comCLAIMS CONDITIONSThese are the claims conditions You will need to keep to as Your part of this contract. If You do not, a claim may be rejected or paymentcould be reduced or Your Policy might be invalid.1. If an event giving rise to a claim under this insurance occurs You shall:(a) take immediate action to minimise the loss, destruction, damage, injury, illness or disease(b) pass every letter, claim, writ, summons and process to Us immediately upon receipt.2. We shall have sole control of all claims procedures and settlements3. We will be entitled, at Our cost, but in Your name, to:a. Take legal proceedings for Our own benefit in respect of the cost of the claim, damages or otherwise; orb. Take over and conduct the defence or settlement of any claim4. No admission, offer, promise, payment, or indemnity shall be made or given by You or on Your behalf without Our written consent5. If You or anyone acting on Your behalf does not comply with Our requirements or hinders or obstructs Us in carrying out any of theabove mentioned acts then all benefit under this insurance shall be forfeited6. Salvage - Following a valid claim, We may, without incurring any further liability and without diminishing Your right to rely on anycondition of this insurance, take and keep possession of any of the Bicycle and/or Accessories insured under Section 1 and to deal withsalvage in a reasonable manner, but You may not abandon any property insured to Us7. We may at any time at Our sole discretion pay to You the maximum sum payable hereunder or any lesser sums for which any claimor claims can be settled. We shall not be under any further liability except for payment of costs and expenses which may have beenincurred prior to such payment, provided that in the event of a claim or series of claims resulting in Your liability to pay a sum in Excessof the sum insured or limit of indemnity. Our liability for such costs and expenses shall not exceed an amount being in the sameproportion as Our payment to You bears to the total payment made by You or on Your behalf in settlement of the claim or claims.8. If You are abroad at the time of an incident leading to a claim, We will not replace any Bicycles and/or Accessories until you return tothe United Kingdom.9. If an event giving rise to a claim under this insurance occurs You shall:a. ensure the Police are notified in respect of Theft incidents as soon as reasonably practicable and certainly within 24 hours ofdiscovery. A crime reference number must also be obtainedb. provide Us with all proofs and information in relation to a claim that We may reasonably require together with (if required) astatutory declaration of the truth of the claim and any connected mattersc. Where appropriate, You shall allow all medical records, notes and correspondence referring to the claim or related pre-existingconditions to be made available on request, in accordance with all statutory provisions relating to access medical records, to themedical adviser appointed by Us or on Our behalf (at Our own expense) and such medical adviser shall be allowed, so often as maybe deemed necessary, to make an examination of You10. In the event of claims in respect of Third Party Property Damage:a. You shall substantiate that the damage occurredb. The claim shall be presented in the first instance to the Third Party’s own insurers with a request that payment shall be made underany other insurance which may be in operation. If no such insurance shall be in force or if such request be refused, You must obtainwritten confirmation of such from the Third Party and submit it with full information to Usc. There is satisfactory evidence of the damage being Your responsibility and that settlement shall be considered without legal liabilityor negligence being provenwww.cycleplan.co.ukINSURANCE BOOKLET | 511. In the event of claims in respect of Personal Accident:a. Written notice must be given to Us within 30 days (or as soon as reasonably thereafter) of becoming aware of any Accident whichcauses or may cause disablement or death within the meaning of this insurance and, if applicable, You must as early as possible,place yourself under the care of a duly qualified Medical Practitionerb. If the consequence of an Accident shall be aggravated by any condition of physical disability that You had which existed before theAccident occurred, the amount of any compensation payable under this Insurance in respect of the consequences of the Accidentshall be the amount which it is reasonably considered could have been payable if such consequences had not been so aggravated12. Once We have accepted the claim for disablement We will pay benefits, at the completion of Your treatment and upon receipt ofsatisfactory evidence of Your Medical Expenses or return to work after Temporary Total Disablement13. All Temporary Total Disablement benefits shall cease on Your death14. The maximum weekly benefit shall not exceed 75% of Your income, less benefit from any other insurance or benefits paid to You byan employer. Proof of net income may be required from an independent and qualified third party. In the event that the weekly benefitexceeds the aforesaid limit then any claim shall be evaluated upon 75% of Your Income15. Odd days of benefit will be payable at one seventh of the weekly benefit. Weekly benefit will only be payable in respect of complete daysof disablement16. Benefits shall not be payable for more than one of the events in the “Insurance Benefits” section in respect of the same occurrence17. After the happening of any one of events in the “Insurance Benefits” section there shall thereafter be NO further liability under theInsurance in respect of You18. Benefits shall not be payable under more than one of the events for disablement resulting from any further occurrence whilst there is anexisting entitlement for benefits19. Benefits shall not be payable unless You shall as soon as possible after the happening of any occurrence obtain and follow propermedical advice from a legally qualified Practitioner20. Benefits shall not be payable for any period after You have resumed cycling except for subsequent unrelated occurrences21. Benefits shall not be payable for that part of the benefit payable under Loss of Income for which department of social welfare benefitsor other benefits can be claimed22. Benefits shall not be payable if You or Your dependents are entitled to receive any compensation or benefits as a result of the BodilyInjury suffered, from any source whatsoever23. We will at Our own expense have the right and opportunity in case of death where it is not forbidden by lawwww.cycleplan.co.ukINSURANCE BOOKLET | 6IMPORTANT INFORMATIONINSURANCE BOOKLETYou should read this document carefully in conjunction with the Insurance Schedule. It gives details of what is and is not covered by theinsurance and the conditions and exclusions of the coverCONDITIONSYour Policy describes certain things which You are required to do to make sure that You are protected and that Your Policy cover operatesfully. For example, You must:• Tell Us about changes which could affect Your Policy• Make sure that Your sums insured are high enough to cover the Bicycle and Accessories to be insured• Take reasonable care of Your propertyEXCLUSIONSExclusions will apply to each section and general exclusions will apply to the whole insurance.STATEMENT OF DEMANDS AND NEEDSThis Policy meets the needs of an individual who requires insurance for:• Theft, loss and Accidental Damage to Bicycles and their Accessories• Public Liability whilst using a Bicycle• Personal Accident or Loss of Earnings following an accident whilst using a Bicycle• A replacement Bicycle whilst awaiting the repair or replacement of your Bicycle following an approved claimREASONABLE CAREIt is Your responsibility to look after and regularly maintain your Bicycle. Your Policy is intended to cover You against unforeseen events likeAccidental Damage or theft. It does not cover wear and tear or damage which happens gradually over a period of time.YOUR DUTY TO PREVENT LOSS OR DAMAGEYou and any other person this insurance applies to must take all reasonable precautions to prevent accidents, loss or damage. You mustkeep property that is insured under your Policy in good condition.GENERAL SECURITY REQIREMENTSYou will need to ensure You meet the general security requirements on page 12 as part of this contractEVIDENCE OF OWNERSHIPIt is Your responsibility to prove any loss therefore We recommend that You keep copies of receipts, valuations, photographs, instructionbooklets and guarantee cards to help with Your claim.CONSUMER INSURANCE ACTYou are required by the provisions of the Consumer Insurance (Disclosure and Representations) Act to take care to supply accurate andcomplete answers to all the questions in the declaration and to make sure that all information supplied is true and correct. You must tell Usof any changes to the answers You have given as soon as possible. Failure to advise Us of a change allows the insurer to cancel the Policy,sometimes back to its start date and to keep any premiums paid.KEEPING US INFORMEDThis Policy is based on the information You have given Us about You.You must tell us immediately about the following changes:• Any changes to the levels of cover You require• Any changes to Your contact information• Any criminal convictions or if You have had any other insurance declined, cancelled or had special terms imposedIf You fail to disclose all relevant information or make a misrepresentation, We may:• Cancel Your Policy and refuse to pay any claim, or• We may not pay the claim in full, or• We may revise the premium and/or change any Excess, or• The extent of cover may be affectedYOUR RIGHT TO CANCELIf You are not happy with it and choose to cancel Your Policy within the first 14 days of the purchase or renewal of the Policy or the day onwhich You receive Your Policy documentation, whichever is the later. You will be entitled to a full refund of Your Policy insurance premiumincluding any insurance premium tax and Policy fees paid.www.cycleplan.co.ukINSURANCE BOOKLET | 7You may cancel after the 14 days have expired.You will be entitled to a refund of the premium paid subject to a proportionate deduction forthe time on cover. There will also be no return of premium where the premium refund due is less than £10.Where a claim has occurred within the period of insurance no refund of premium will be paid. In addition, a cancellation charge will be madeby Cycleplan as outlined in their Terms of Business, if You wish to cancel Your Policy please contact Cycleplan.OUR RIGHT TO CANCELWe may at any time cancel any insurance document by sending 14 days notice to You at Your last known email and/or postal addresssetting out the reasons for cancellation. Provided the premium has been paid in full You shall be entitled to a proportionate rebate ofpremium in respect of the unused period showing on the Insurance Schedule, unless the reason for cancellation is fraud and/or We arelegally entitled to keep the premium.Where a claim or an incident which You are aware of and is likely to give rise to a claim has occurred within the period of insurance norefund of premium will be paid.In addition, a cancellation charge will be made by Ripe as outlined in their Terms of BusinessValid reasons include but are not limited to:• Non-payment of premium. If payment is not paid when due We will write to You requesting payment by a specific date. If We receivepayment by the date set out in the letter We will take no further action. If We do not receive payment by this date We will cancel theinsurance from the cancellation date shown on the letter.• Where We reasonably suspect fraud• Where You fail to co-operate with Us or provide Us with information or documentation We reasonably require, and this affects Ourability to process a claim or defend Our interests. See the ‘Claims’ section in this Policy booklet• Where You have not taken reasonable care to provide complete and accurate answers to the questions We ask. See the ‘Keeping UsInformed’ section of this Policy booklet.If We cancel the Policy You will be entitled to a proportionate refund of premium less the administration cancellation fee of up to £30.00.There will also be no return of premium where the premium refund due is less than £10. Unless the reason for cancellation is fraud and/orWe are legally entitled to keep the premium.GOVERNING LAWUnless some other law is agreed in writing, this Policy is governed the law applying to the part of the United Kingdom, Channel Islands or theIsle of Man in which You normally live. If this is not applicable the law of England and Wales will apply.FRAUD PREVENTION AND DETECTIONIn order to prevent and detect fraud We may at any time:1. Share information about You with other organisations and public bodies including the police;2. Check and/or file Your details with fraud prevention agencies and databases, and if You give false or inaccurate information and Wesuspect fraud, We will record this. We can supply on request further details of the databases We access or contribute to. If You requirefurther details please contact Us at:Policy Investigation Unit, Aviva,Cruan Business Centre,Westerhill Business Park,123 Westerhill Road,Bishopbriggs,Glasgow,G64 2QRTelephone 0345 300 0597.Email: PIUUKDI@AVIVA.COMDATA PROTECTIONPlease note that any information provided to Us will be processed by Us and Our agents in compliance with the provisions of data protectionlegislation (including the General Data Protection Regulation from the 25th May 2018), for the purpose of providing insurance and handlingclaims, if any, which may necessitate providing such information to third parties. Under the General Data Protection Regulation You havea right of access to see personal information about You that is held in Our records, whether electronically or manually. We may also sendthe information in confidence for process to other companies acting on their instructions including those located outside the EuropeanEconomic Area. If this happens, We will ensure that anyone to whom We pass Your information agrees to treat Your information with thesame level of protection as if We were dealing with it. We and other organisations may also search these agencies and databases to:1. Help make decisions about the provision and administration of insurance and related services for You2. Trace debtors or beneficiaries, recover debt, prevent fraud and to manage Your accounts or insurance policies; and3. Check Your identity to prevent money laundering, unless You provide other satisfactory proof of identity.TELEPHONE CHARGESCalls are charged at national call rates (charges may vary dependent on Your network provider) and are usually included in inclusive minuteplans from landlines and mobiles. For Our joint protection telephone calls may be recorded and/or monitoredwww.cycleplan.co.ukINSURANCE BOOKLET | 8REINSTATEMENT OF THE SUM INSUREDIn the event of partial loss, theft or damage to the property insured the sum insured will be automatically reinstated from the date of thedamage unless You have written to Us or We have written to You, to the contrary. In accordance with the automatic reinstatement of thesum insured You will undertake to pay the necessary premium as We may require for such reinstatement from that date.In the event of a total loss or constructive total loss of Your Bicycle(s) the sum insured will not automatically reinstate unless You havewritten to Us to advise of a replacement bicycle. We will reinstate the sum insured and You will undertake to pay the necessary premium asWe may require for such reinstatement from that date.CUSTOMERS WITH DISABILITIESThis Policy and other associated documentation are also available in large print. If You require this please contact Cycleplan.USE OF LANGUAGEUnless otherwise agreed, the contractual terms and conditions and other information relating to this contract will be in English.PLEASE READ THESE FEATURES, YOUR INSURANCE SCHEDULE AND THE WHOLE OF THIS DOCUMENT CAREFULLY.If the insurance does not meet Your requirements please cancel it within 14 days from receipt of documentation.Please note that this insurance is only available to individuals who are non-professional cyclists and resident in the United Kingdom.www.cycleplan.co.ukINSURANCE BOOKLET | 9DEFINITIONSThis part of the Policy sets out the words which have a special meaning. Each word is listed with the meaning explained below and is printedin Bold Type whenever it appears in the Policy, Insurance Schedule and endorsements.AbandonedWhen a Bicycle is left in a location other than Your Home for more than 12 hours at any one time or at a train station, bus station, coachstation or Your permanent place of employment for more than 24 hours at any one time.AccessoriesEquipment temporarily added to the Bicycle in addition to the manufacturers original specification, including helmets, shoes, jerseys orvests, base layers, gilets, glasses & goggles, jackets, shorts, trousers, wetsuits, backpacks, helmet mounted cycling cameras , cyclingcomputers, cycling GPS unit, lights, spare wheels, cycle luggage, cycling tools, cycling armour & guards, locks.AccidentAn external, sudden, unexpected, unusual specific event occurring at a definable time and place.Accidental DamageDamage caused to the Bicycle accidentally by violent and external means, including vandalism.Approved LockA nominated lock which is specified in the ‘Sold Secure’ list of cycle locks or any Thatcham approved lock which is appropriate to theInsured Value of the Bicycle.• Insured Value under £500 require a Thatcham approved or Sold Secure Bronze rated lock• Insured Value under £1000 require a Thatcham approved or Sold Secure Silver rated lock• Insured Value under £1500 require a Thatcham approved or Sold Secure Gold or Platinum rated lock• Insured Value over £1500 require a Sold Secure Gold or Platinum rated lock.BicycleAny bicycle plus fixed items such as electric bike batteries, aftermarket pedals or lights. Which are Your property and for which You arelegally responsible. Including tricycle, tandem, trailer cycle, recumbent tricycle or push scooter. The bicycle/scooter must be driven byhuman pedal power or electric battery with a motor output not exceeding 250w/15.5 mph.It does not include any electric bicycle or scooter where the power or speed requires it to be registered, insured or taxed as a motor vehicle.Bodily InjuryInjury to the body caused by accidental, violent, visible and external means.CompetitionAn organised contest from which a winner is selected.Endorsement(s)Any terms and conditions made separately to the terms of the Policy and specified on Your Insurance Schedule.Evidence of OwnershipOriginal sales purchase or till receipt or other evidence which clearly demonstrates ownership. This may include but is not limited to bank/credit card statement, dealer valuation including a photograph of the Bicycle. The evidence should clearly show date, price paid and detailsof the Bicycle, Accessories and Approved Lock.ExcessThe first part or amount You will be responsible for paying in the event of a claim.FamilyParents, spouse, partner, son, daughter or siblings that permanently live with You.Forcible and Violent Entry or ExitEvidence of visible damage to the fabric of the building or motor vehicle where entry or exit was gained or damage caused to an ImmovableObject or Approved Lock.HomeLocation stated in Your Insurance Schedule where Your Bicycle is usually kept:It can also include:• Any temporary residence such as Your holiday home or a guest house, boarding house, hotel, motel in which You are a resident for upto 28 days.• Any other address that You reside at for more than 28 days in any one year may be covered provided You advise Cycleplan and theyaccept by an Endorsement.www.cycleplan.co.ukINSURANCE BOOKLET | 10Immovable Object• Solid object fitted onto or into concrete, stone, brick or metal which is not capable of being undone, removed with, or lifted under or overthe Bicycle.• A purpose built Bicycle or roof rack which is fitted securely to a motor vehicle.• At campsites, a solid part of a caravan or temporary holiday Home which is not capable of being undone, removed with or lifted under orover the Bicycle.Indemnity BasisValue of Bicycle less a deduction for wear and tear.Indemnity ValueThe value of the article immediately prior to the loss or damage.Insurance ScheduleSets out the specific terms, values and Endorsements applicable to the cover and should be read together with the Policy.Malicious DamageThe intentional damage caused by a third party.New for OldWe will pay the cost of a comparable replacement for the lost or damaged Bicycle and Accessories providing the article was new at the timeof purchase and the Bicycle and/or Accessories are no more than 3 years old.Period of InsuranceThe period effective as shown in Your Insurance Schedule.PolicyThe Insurance Booklet (along with the Insurance Schedule) which forms part of the legal contract between You and Us.Territorial LimitThe territory shown in Your Insurance Schedule. Where Europe or Worldwide is shown, then cover shall be limited to 45 days in any one trip.TheftUnauthorised taking, keeping or using of the Bicycle by another person with the intention of permanently depriving You of it.United KingdomGreat Britain, Northern Ireland, the Isle of Man and the Channel Islands.United Kingdom ResidentMeans resident in the U.K. for a minimum of 6 months in a 12-month period.We, Us and OurAviva Insurance Limited.You and YourThe person named in the Insurance Schedule and their Family members who are all United Kingdom Residents.www.cycleplan.co.ukINSURANCE BOOKLET | 11SECTION 1 - BICYCLES AND ACCESSORIESProvides cover for Theft or damage to Bicycles.WHAT IS COVEREDWhere this cover has been selected and is shown in Your Insurance Schedule We will cover:1. Theft of Your Bicycle from Your Home2. Theft of Your Bicycle while away from Your Home3. Theft of Your Bicycle from a motor vehicle4. Accidental Damage to Your Bicycle5. Malicious Damage to Your BicycleOccurring within the Territorial Limits.We agree to pay for repair, replacement or issue a voucher up to the limit stated in Your Insurance Schedule, of the Bicycle owned by You(not hired, loaned or entrusted to You), that has been stolen or sustained Accidental Damage or Malicious Damage.We will pay for the cost of replacement as new providing the damaged Bicycle was not more than 3 years old at the date of loss andprovided it was new when You purchased it. If the Bicycle was more than 3 years old or was not new at the time of purchase, then We willdeal with the claim on an Indemnity Basis.We reserve the right to specify a supplier of Our choice for the repair or replacement of the Bicycle or at Our discretion offer cash settlement.EXTENSIONS:1. AccessoriesCover is extended to include Theft from Your Home and Accidental Damage to Accessories where You have paid the appropriatepremium and Accessories cover is shown on Your Insurance Schedule.2. Taxi Fee ReimbursementNecessary and reasonable costs that You incur to return directly to Your home by a registered taxi or public transport as a result of anAccident causing Accidental Damage to your Bicycle which results in it becoming unusable up to the limit stated in Your InsuranceSchedule.What is not covered:a. Any claim where there was not a valid claim for Accidental Damage to your Bicycleb. Any claims where You could not submit a valid receipt or ticket for Your journeyc. Any claims as a result of Accidental Damage if the Bicycle was being used for racing, competition or time trials3. Competitive UseWhere this extension has been selected, the additional premium paid and the cover is shown in Your Insurance Schedule Your coverwill extend to include Accidental Damage whilst the Bicycle is being used for Competitions, including racing.We will also cover the cost of any non-refundable race fees for an organised competitive cycling, biathlon or triathlon event in whichYou were due to participate but are not longer able to attend as a sole and direct result of:• Illness/injury• A valid Bicycle claim under this sectionThe maximum amount per claim and in the aggregate is £250.WHAT IS NOT COVERED1. The amount of the Excess2. Any claim where Evidence of Ownership cannot be provided for the Bicycle, Accessories or the Approved Lock3. Any claim to Accessories unless accompanied by a claim to the Bicycle. This does not apply to electric Bicycle batteries4. Theft unless the theft shows signs of Forcible and Violent Entry or Exit5. Theft from Your Home unless the Security Requirements when the Bicycle is at Home are complied with6. Theft, Accidental Damage or Malicious Damage following the Bicycle being Abandoned7. Theft away from Home unlessa. the Bicycle is being ridden or in your close personal custody and control, orb. the Security Requirements when away from Home have been met8. Theft from any motor vehicle unless the security requirements when the Bicycle is in or on a motor vehicle have been met9. Any claim caused by wear and tear, wet or dry rot, atmospheric conditions, frost, insects, vermin, fungus, domestic pet, or any graduallyoperating cause10. Scratching denting or any cosmetic change which does not impair the function of the Bicycle.11. Claims where the Bicycle has suffered damage as a result of a manufacturing fault which is still covered under a manufacturer’swarranty12. Theft or Accidental Damage to tyres unless the Bicycle was stolen or damaged at the same time.13. Any claim of a Bicycle from whom it is entrusted to, other than a member of Your Familywww.cycleplan.co.ukINSURANCE BOOKLET | 1214. Any claim whilst the Bicycle is being used for Competition, including racing, unless the Competition option has been selected, theadditional premium paid for and the Endorsement is shown on Your Insurance Schedule15. Any claim whilst the Bicycle is outside the UK unless the Europe or Worldwide option has been selected, the premium paid for and theEndorsement is shown on Your Insurance Schedule16. Subject to a Europe or Worldwide option being selected, We will not pay for any claim to the Bicycle and Accessories in transit whichhas not been reported to the carrier and a written report obtained or where You were not travelling with the Bicycle and or Accessories.In the case of an airline a Property Irregularity Report will be required17. Any claims to a Bicycle that is engaged for use in trade or business purposes (excluding commuting to and from work), hire, reward,courier use and carriage of paying passengers18. Theft or Malicious Damage where a crime reference number cannot be providedGENERAL SECURITY REQUIREMENTSThese are the general security requirements which You will need to keep to as your part of this contract. If you do not a claim may berejected or payment could be reduced. In some circumstances Your Policy might be invalid.1. When at Home the Bicycle must be kept at one of the following locations:a. Locked inside Your Home, flat or within a locked room if in a shared residenceb. Locked inside a shed, garage, purpose built immovable bike storage box, or outbuilding which is only accessible to You and Yourhousehold. This storage location must be fully enclosed and built from brick, stone, concrete, wood or metal and be within theboundaries of Your home and comply with one of the following security requirements:i. All external doors must be secured by a minimum of a 5 lever mortice deadlock to BS3621 or a 5 lever or closed shacklepadlock or;ii. External doors must be secured by the manufacturers installed lockc. A communal storage location described as an underground car park, communal hallway or communal storage area which is onlyaccessible by private residents. The Bicycle must be secured to an Immovable Object through the frame and any quick releasewheels with an Approved Lock.d. On a privately accessed balcony which is not accessible from the ground floor. The Bicycle must be secured to an ImmovableObject through the frame and any quick release wheels with an Approved Lock2. When away from the Home:a. The Bicycle must be secured to an Immovable Object through the frame and any quick release wheels with an Approved Lockunless Bicycle is left in a bike rack being used at the Competition, the Competition option has been selected and the additionalpremium paid. Marshalls or similar officials must be on location at the bike rack areasb. The Bicycle has not been Abandoned3. When the Bicycle is in or on a motor vehiclea. The Bicycle must be inside the vehicle or secured through the frame by an Approved Lock to a roof or Bicycle rack attached to thevehicle. The roof or Bicycle rack must be securely attached to the vehicle.b. The vehicle must have all doors and windows closed and securely lockedwww.cycleplan.co.ukINSURANCE BOOKLET | 13SECTION 2 - PUBLIC LIABILITYProvides indemnity for mental injury, death, disease or Bodily Injury to any person or damage to third party property.WHAT IS COVEREDWhere this cover has been selected and is shown in Your Insurance Schedule We will indemnify You up to the limit stated in the InsuranceSchedule (which is inclusive of all costs and expenses) against legal liability for accidental:1. Mental injury, death, disease or Bodily Injury to any person2. Damage to property belonging to otherswhich arises from Your use or ownership of a Bicycle within the Territorial Limits.The total amount payable includes reasonable defence costs and expenses incurred by You with Our written consent in connection with anyliability insured under this Policy.WHAT IS NOT COVERED1. The amount of the Excess2. Liability to any of your employees3. Liability to a member of Your immediate family (spouse, children, parents, siblings and their families)4. Any property belonging to You or in Your care, custody or control5. Any wilful, malicious or unlawful act6. Liability where You are entitled to indemnity from another more specific source7. Any liability arising from a contract or agreement unless You would have been liable in the absence of such contract or agreement8. Punitive, exemplary or aggravated damages9. Liability arising out of the ownership or use of land or buildings, animals, firearms or weapons10. Liability directly or indirectly resulting from the pursuit of trade, business or profession11. Liability arising out of the ownership, possession or use of motor vehicles, aircraft or watercraft12. Liability arising out of the influence of intoxicating liquor or drugs13. If You are under 1614. Any liability not involving the use of a Bicycle15. Any liability whilst using the Bicycle for Competition, including racing, unless the Competition option has been selected, the additionalpremium paid for and the Endorsement is shown on Your Insurance Schedule.16. The use of the Bicycle for trade or business purposes (excluding commuting to and from work), hire, reward, courier use or carriage ofpaying passengers17. Bodily Injury or property damage occurring outside of the Territorial Limits specified in the Insurance Schedule18. In respect of any judgement award or settlement made within countries which operate under the laws of the United States of Americaor Canada or any order made anywhere in the world to enforce such judgement award or settlement wither in whole or in part.19. Liability in connection with any electrically assisted Bicycle while:a. Anywhere outside of England, Scotland and Wales;b. Within England, Scotland and Wales where there is a legal requirement to pay Vehicle Excise Duty for road use. For moreinformation please see www.gov.uk/electric-bike-ruleswww.cycleplan.co.ukINSURANCE BOOKLET | 14SECTION 3 - PERSONAL ACCIDENT & LOSS OF EARNINGSProvides cover for BODILY INJURY permanent disablement, physiotherapy, loss of income, broken bones, hospitalisation and emergencydental expenses.DEFINITIONSFor the purposes of this section the following definition applies. Each word is listed with the meaning explained below and is printed inCAPITALS whenever it appears in this section.BODILY INJURYIdentifiable physical injury or death.WHAT IS COVEREDWhere this cover has been selected and is shown in Your Insurance Schedule We will cover:If, at any time You are involved in an Accident or a victim of a road rage incident whilst using a Bicycle within the Territorial Limits, Yousuffer a BODILY INJURY, which occurs solely, directly and independently of any other cause, then subject to the terms and conditions setout below, including in particular the exclusions, We shall pay the benefits as stated in Your Insurance Schedule subject to the applicablepercentage shown in insurance benefits below.Insurance benefits• The benefits payable will be the following percentage of the sum insured specified in the Insurance Schedule.• BODILY INJURY sustained by You which within 12 calendar months results in:Accidental DeathBenefit Percentage• Death of You aged 18 years and over 100%• Death of You aged less than 18 years 20%Permanent DisablementBenefit Percentage• Total and irrecoverable loss of use of all sight in both eyes and/or total and irrecoverable loss of use of 100%both hands or both feet or of one hand and one foot• Total and irrecoverable loss of use of one hand or one foot together with total and irrecoverable loss of 50%all sight in one eye• Total and irrecoverable loss of all sight in one eye or total and irrecoverable loss of use of one hand or 25%one foot• Total and permanent disablement (other than disablement in respect of eye(s), hand(s) and foot/feet), 100%from engaging in or attending to any profession, business or occupation whatsoever provided always thatthe benefits shall not be payable until such disablement has continued for a period of 12 calendar monthsPhysiotherapyBenefit Percentage• Non National Health expenses incurred by You 75%• This insurance is subject to the Excess specified in the Insurance Schedule.Loss of Earnings• The sum insured specified in the Insurance Schedule or 75% of earnings whichever is the less• Total disablement from engaging in or attending Your usual profession, business or occupation. Insurance is only provided if Youwere engaged permanently in that activity up to the time of the injury. Your entitlement to benefits under this section does notcommence until after the expiry of the period of days specified in Your Insurance Schedule. The amount of benefit shall be the lesserof the percentage of Net Income Lost specified in the Insurance Schedule and the maximum amount specified for this benefit in theInsurance Schedule.• The maximum benefit period is 52 weeks• This insurance is subject to the Excess period specified in the Insurance Schedule.Broken Bones• The sum insured specified in the Insurance Schedule if as a result of having sustained BODILY INJURY You fracture one or more of thebones listed below• Arm (Humerus, Radius, Ulna) or Wrist (Carpals), Leg (Femur, Tibia, Fibula), Ankle (Tarsals) or Kneecap (Patella).• We will only pay for fractures across the full width of the bone; or, which require surgical treatment under anaesthetic; or, which requirecomplete immobilisation in a cast for at least six weekswww.cycleplan.co.ukINSURANCE BOOKLET | 15Hospitalisation• The sum insured specified in the Insurance Schedule if, solely as a result of having sustained BODILY INJURY , You are required to stayin hospital for a period in Excess of 24 hours from the time of the original admission following the Bodily Injury for a maximum of 25days.Emergency Dental Expenses• Up to the sum specified in the Insurance Schedule if, solely as a result of having sustained BODILY INJURY, You require emergencydental treatment to sound, whole teeth.WHAT IS NOT COVERED1. Any Accident unless directly resulting from the use of the Bicycle2. Any Accident unless directly resulting from the use of the Bicycle and when not being used for trade or business purposes (excludingcommuting to and from work), hire, reward, courier use or carriage of paying passengers3. Any Accident whilst the Bicycle is being used for Competition, including racing, unless the Competition option has been selected, theadditional premium paid for and the Endorsement is shown on Your Insurance Schedule4. Any pre-existing defect, infirmity or sickness at the time of an Accident or which has not been disclosed by You at the time ofapplication for this Insurance and each renewal thereafter5. All claims arising out of unreasonable failure to seek or follow medical advice6. Contracting a sexually transmitted disease, pregnancy, childbirth, miscarriage, abortion or infertility treatment and also medicaloperations or treatments which are not medically necessary, including cosmetic or beauty treatments7. Any medical or surgical procedure performed on You for any gradually developing bodily deterioration whatever the cause of thatdeterioration8. If the injury arises from sickness, disease or disorder of any kind.www.cycleplan.co.ukINSURANCE BOOKLET | 16SECTION 4 – REPLACEMENT CYCLE HIREProvides indemnity for hire of Bicycle following a loss under section 1 (Bicycles and Accessories).WHAT IS COVEREDWhere this cover has been selected and is shown in Your Insurance Schedule We will cover the reasonable cost of the hire of an alternativeBicycle from an approved cycle dealer whilst awaiting the repair or replacement of Your Bicycle when the subject of an approved claimunder this Policy.WHAT IS NOT COVERED1. Any cost of hire which have not been agreed with Us and where Our prior authority has not been obtained2. Any costs which exceed the limit as specified on Your Insurance Schedule for the term of Your insurance3. Any costs which exceed the value of Bicycle immediately prior to the loss, or repair costs, whichever is the lesser4. Any costs that cannot be validated with evidence of expenditure5. Any costs incurred by anyone other than You.www.cycleplan.co.ukINSURANCE BOOKLET | 17GENERAL CONDITIONSThese are the conditions of the insurance You will need to meet as Your part of this contract. If Your do not a claim may be rejected orpayment could be reduced. In some circumstances Your Policy might be invalid.1. You must exercise reasonable care to prevent Accident, injury, loss or damage and at all times act as if uninsured2. The due observance and fulfilment of all terms and conditions of this Insurance by You, or anyone acting on Your behalf insofar as theyrelate to anything to be done or complied with by You or anyone acting on Your behalf shall be a condition precedent to Our liability tomake any payment under this Insurance3. You shall reimburse to Us any expenses not covered by this insurance, which are incurred by Us on Your behalf4. If You or any person acting on Your behalf shall make any claim or statement knowing the same to be false or fraudulent as regards theamount or otherwise, then this Insurance shall become void and all claims hereunder shall be forfeited5. Under Insurance - A proportionate reduction in any claims settlement will be made should You under insure (i.e. the Insured Value Youhave chosen is less than the Indemnity Value of the Bicycle)6. If there is any other insurance covering the same claim, or would have covered the claim but for the existence of this Policy, We willnot make any payment under Public Liability until all cover under that other insurance is exhausted. For all other claims We will not paymore than Our share of the claim, even if the other insurer refuses the claim.Important noteThis condition will not have the effect of leaving You without cover for any claim and operates where there is any other insurancecovering the same claim (or would have in the absence of this Policy) and determines how those insurance policies apply.www.cycleplan.co.ukINSURANCE BOOKLET | 18GENERAL EXCLUSIONSThe following exclusions apply to the whole of this Policy. Any other exclusions are shown in the Sections to which they apply.This Policy does not provide cover for any claims directly or indirectly caused, contributed to, by or happening through or in the consequenceof:1. Anything which occurred before the Period of Insurance2. Any act of fraud or dishonesty by You or anyone acting on Your behalf3. WarAny consequence whatsoever which is the direct or indirect result of any of the following, or anything connected with any of thefollowing, whether or not such consequence has been contributed to by any other cause or event:war, invasion, act of foreign enemy, hostilities or a warlike operation or operations (whether war be declared or not), civil war, mutiny,rebellion, revolution, military rising, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military orusurped power.4. TerrorismAny consequence whatsoever which is directly or indirectly caused by nuclear and/or chemical and/or biological and/or radiologicalmeans, or anything connected with those means, and which is the direct or indirect result of Terrorism, or anything connected withTerrorism, whether or not such consequence has been contributed to by any other cause or event.Terrorism is defined as any act or acts including, but not limited to:a. the use or threat of force and/or violence and/orb. harm or damage to life or to property (or the threat of such harm or damage) including, but not limited to, harm or damage bynuclear and/or chemical and/or biological and/or radiological means caused or occasioned by any person(s) or group(s) of personsin whole or in part for political, religious, ideological or similar purposes including, but not limited to, the intention to influence anygovernment and/or to put the public or any section of the public in fear, or is claimed to be caused or occasioned in whole or in partfor such purposes.5. Other ActionsAny consequence whatsoever which is the direct or indirect result of any of the following, or anything connected with any of thefollowing, whether or not such consequence has been contributed to by any other cause or event:any action taken in controlling, preventing, suppressing or in any way relating to 3) War or 4) Terrorism above.6. Ionising radiation or contamination by radioactivity from any nuclear fuel, or from any nuclear waste from burning nuclear fuel7. Radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof8. Pressure waves from aircraft or other aerial devices travelling at supersonic speeds9. Suicide or attempted suicide, intentional self-injury or deliberate exposure to unusual danger (except in an attempt to save life), Youbeing under the influence of alcohol or drugs, or suffering from mental sickness, nervous anxiety, depression, emotional disordersor stress related conditions or complaints (even if the mental sickness, nervous anxiety, depression or stress related conditions orcomplaints arose out of a physical Accident or Bodily Injury)10. Any loss or damage:a. deliberately caused by; orb. arising from a criminal act caused by;You or any other person living with You.11. Consequence of or in any way involving reckless disregard and/or wilful breach of duty of any kind12. Any claims brought against the You in any country or jurisdiction outside of the United Kingdom13. Claims arising out of the discharge, dispersal, release or escape of smoke, vapours, soot, fumes, acids, alkalis, toxic chemicals, liquidsor gases, waste materials or other irritants, contaminants or pollutants into or upon land, the atmosphere or any watercourse or bodyof water, but this exclusion does not apply if such discharge, dispersal, release or escape is caused by a sudden unexpected andunintended happening. It is further agreed that expenses for the prevention of any contamination or pollution shall also form part of thisexclusion and shall not be recoverable under this Insurance14. Loss or damage caused by decay, wear and tear, moth, vermin, atmospheric or climatic conditions, manufacturing fault, inherent defect,deterioration or mechanical derangement of any kind15. Loss due to confiscation, detention by Customs or other authority.16. Any claims arising from the use of an E-Scooter being useda. on public land including parks, pavements, footpaths and roads and;b. where it is not permitted by lawSANCTION LIMITATION AND EXCLUSION CLAUSEWe shall not provide cover nor shall they be liable to pay any claim or provide any benefit hereunder to the extent that the provision of suchcover, payment of such claim or provision of such benefit would expose the Underwriters to any sanction, prohibition or restriction underUnited Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United Statesof America.www.cycleplan.co.ukINSURANCE BOOKLET | 19COMPLAINTS PROCEDUREOur commitment to customer serviceWe are committed to going the extra mile for Our customers. If You believe that We have not delivered the service You expected, We want tohear from You so that We can try to put things right. We take all complaints seriously and following the steps below will help Us understandYour concerns and give You a fair response.HOW TO COMPLAIN• Please quote Your Policy number and claim reference (if applicable) in all correspondence so that Your concerns may be dealt withspeedily.• If You are unhappy with any element of the cover we provide or any aspect of Our service or have a cause for complaint, please contact:Subject ContactA claim Please contact Davies Group Customer Relations:• Email – customer.care@davies-group.com• Post – Davies Managed Systems Limited, PO BOX 2801, Hanley, Stoke on Trent, ST4 5DN• Phone – 01782 339128Details of the Davies Group internal complaint-handling procedures are available on request.All other matters Please contact Cycleplan:• Email – complaints@ripeinsurance.co.uk• Post – Cycleplan, The Royals 353 Altrincham Road, Manchester, M22 4BJ• Phone – 0333 400 7178COMPLAINTS PROCESSWe will:• Acknowledge all complaints promptly• Investigate quickly and thoroughly• Keep You informed of progress• Do everything possible to resolve Your complaint• Use the information from Your complaint to proactively improve Our service in the future.Once Your complaint is reviewed, a final decision will be issued in writing within 8 weeks of the date Your complaint is received.IF YOU ARE STILL NOT HAPPYIf You are still unhappy after Our review, or You have not received a written offer of resolution within 8 weeks of the date We receivedYour complaint, You may be eligible to refer Your case to the Financial Ombudsman Service (FOS). The FOS is an independent body thatarbitrates on complaints. They can be contacted at:• Post: Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London E14 9SR• Telephone: 0800 0234567 (Calls from UK landlines and mobiles are free) or 0300 1239123 (for mobile users)• Website: www.financial-ombudsman.org.ukYou have the right to refer Your complaint to the Financial Ombudsman, free of charge, but You must do so within six months from thedate of the final response letter. If You do not refer Your compliant in time, the Ombudsman will not have our permission to consider Yourcomplaint and so will only be able to do so in very limited circumstances. This does not affect Your right to take legal action, however, theFOS will not adjudicate on any case where litigation has commenced.YOUR RIGHTSYour rights as a customer to take legal action remain unaffected by the existence or use of any complaint procedures referred to above.However, the Financial Ombudsman Service will not adjudicate on any cases where litigation has commenced.THE FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)We are covered by the FSCS. If We are unable to meet Our financial obligations You may be entitled to Compensation from the scheme,depending on the type of insurance and the circumstances of the Claim.For this type of insurance 90% of Your Claim is covered, without any upper limit. Further information about Compensation schemearrangements is available at www.fscs.org.uk.www.cycleplan.co.ukINSURANCE BOOKLET | 20DATA PROTECTION – PRIVACY NOTICEThe below information is how We deal with Your data protection as Your insurer. For further information on how Your broker handles Yourdata please refer the terms of business and privacy policy issued by them.PERSONAL INFORMATIONWe collect and use personal information about You so that We can provide You with a Policy that suits Your insurance needs. This noticeexplains the most important aspects of how We use Your information but You can get more information about the terms We use and viewOur full privacy policy at www.aviva.co.uk/privacypolicy or request a copy in writing to Us at Aviva, Freepost, Mailing Exclusion Team, Unit 5,Wanlip Road Ind Est, Syston, Leicester, LE7 1PDWe are the data controller responsible for this personal information as the insurer of the product. Additional controllers include your brokerwho 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 ITWe 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 administerYour 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 analyticswhich allows Us to make certain predictions and assumptions about Your interests, make correlations about Our customers to improveOur 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. FinancialConduct 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-moneylaundering checks.The personal information We collect and use will include name, address, date of birth and financial information. If a claim is made We willalso collect personal information about the claim from You and any relevant third parties. We may also need to ask for details relating tothe health or any unspent offences or criminal convictions of You. We recognise that information about health and offences or criminalconvictions is particularly sensitive information. We’ll ensure that We only use that information where We need to for Our insurancepurposes (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 Youat 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 theinformation You gave Us for this/these purposes(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 ableto 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 heldabout 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.CREDIT REFERENCE AGENCY SEARCHESTo ensure the We have the necessary facts to assess Your insurance risk, verify Your identity, help prevent fraud and provide You with Ourbest premium and payment options, We may need to obtain information relating to You at quotation, renewal and in certain circumstanceswhere Policy amendments are requested. We or Our agents may undertake checks against publicly available information (such as electoralroll, county court judgments, bankruptcy orders or repossession(s)). Similar checks may be made when assessing claims.The identity of Our Credit Reference Agency and the ways in which they use and share personal information, are explained in more detail atwww.transunion.co.uk/crain.AUTOMATED DECISION MAKINGWe carry out automated decision making to decide whether We can provide insurance to You and on what terms. In particular, We usean automated underwriting engine to process the personal information You provide as part of this application process. This will includeYour age and the level of cover You choose. We do this to calculate the insurance risk and how much the cover will cost You. Without thisinformation We are unable to provide a price that is relevant to Your individual circumstances and needs. We regularly check the way Ourunderwriting engine works to ensure We are being fair to Our customers. After the automatic decision has been made, You have the right tospeak to someone from Aviva who may review the decision and provide a more detailed explanation. If You wish to invoke this right pleasecontact Us at dataprt@aviva.com.HOW WE SHARE YOUR PERSONAL INFORMATION WITH OTHERSWe may share Your personal information:• with the Aviva group, Our agents and third parties who provide services to Us, and Your intermediary and other insurers (either directlyor 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 legalor regulatory obligation,www.cycleplan.co.ukINSURANCE BOOKLET | 21• with other organisations including insurers, public bodies and the police (either directly or using shared databases) for fraud preventionand detection purposes,• with reinsurers who provide reinsurance services to Aviva and for each other in respect of risks underwritten by Aviva, with insurerswho cover Aviva under its group insurance policies and with Our brokers who arrange and manage such reinsurance and insurancearrangements. 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 forthe period necessary for these purposes and may need to disclose it to other companies within their group, their agents and third partyservice 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 takesteps to ensure that any transfer of information outside of Europe is carefully managed to protect Your privacy rights. For more informationon this please see Our Privacy Policy or contact Us.HOW LONG WE KEEP YOUR PERSONAL INFORMATION FORWe maintain a retention Policy to ensure We only keep personal information for as long as We reasonably need it for the purposes explainedin this notice. We need to keep information for the period necessary to administer Your insurance and deal with claims and queries on YourPolicy. We may also need to keep information after Our relationship with You has ended, for example to ensure We have an accurate recordin the event of any complaints or challenges, carry out relevant fraud checks, or where We are required to do so for legal, regulatory or taxpurposes.YOUR RIGHTSYou have various rights in relation to Your personal information, including the right to request access to Your personal information, correctany mistakes on Our records, erase or restrict records where they are no longer required, object to use of personal information based onlegitimate business interests, including profiling and marketing, ask not to be subject to automated decision making if the decision produceslegal 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 USIf You have any questions about how We use personal information, or if You want to exercise Your rights stated above, please contact OurData Protection team by either emailing them at dataprt@aviva.com or writing to the Data Protection Officer, Level 5, Pitheavlis, Perth PH20NH.If You have a complaint or concern about how We use Your personal information, please contact Us in the first instance and We will attemptto resolve the issue as soon as possible. You also have the right to lodge a complaint with the Information Commissioners Office at anytime.The Royals, Altrincham Road, Manchester M22 4BJTel: 0333 400 7178email: admin@cycleplan.co.ukwww.cycleplan.co.uk14684 1/7/23Cycleplan® is a registered trademark and trading name of Ripe Insurance Services Limited which is Authorised and Regulated by theFinancial Conduct Authority. No. 313411.Registered office: The Royals, Altrincham Road, Manchester M22 4BJ. Registered in England No. 04507332.

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Yellow Jersey Ultimate Cycle Insurance Policy. Published July 2021. The following is convered: Crash & accidental damage (policy holder & their family members), Crash & accidental damage while courier cycling (annual only, named policy holder only), Theft at or away from home, Theft from vehicle, Vandalism, £2m third party public liability whilst using bikes listed in your schedule (you and your family), £2m third party public liability whilst using any bike (only you), Worldwide cover, 120 days per trip, Cover in transit, 60% multi bike discount, Family cover, Event withdrawal cover (annual only), Racing, Theft from triathlon transition, Emergency pedal cycle hire, Bike box cover, Participating in a sportive or charity event, Cover whilst training, £250 Accessories cover with the option to extend, Optional clothing & helmet cover, Taxi reimbursement (annual only), Loss of Limb £12,500 (annual only), Loss of Sight £12,500 (annual only), Death £12,500 (annual only), Permanent total disablement £25,000 (annual only), Dental treatment up to £750 (annual only), Physiotherapy up to £750 (annual only), Legal expenses to claim against the party at fault if you have suffered personal injury, up to £100,000 per claim. What is not covered: The first 10% of all accidental damage, vandalism & theft claims capped at £100, other than courier cycling claims which are capped at £250 (policy excess); Claims for any pre-existing illness or injury; Claims for marring, scratching, denting or cosmetic damage; Any claims for emergency medical care or repatriation after an accident abroad; Public liability cover in the USA or Canada; Public liability for courier cycling; Injury or personal accident claims from courier cycling; Any courier cycling outside of the UK; Theft away from the insured location if you have used a lock that does not meet our security requirements: Bikes valued £1,500 or more require a Sold Secure Gold or Diamond bicycle lock, bikes valued less than £1,500 require a Sold Secure Silver bicycle lock. The following are restrictions on cover: Individual pedal cycle value is capped at £15,000; The total insured value cannot exceed £50,000; Personal accident cover is excluded for family members under 16 or over 85 years of age, on short term policies, or for any pre-existing condition; Courier cycling coverge is for the named policy holder only; Third party liability is excluded for family members under 16 or over 85 years of age; Pedal cycles left unattended away from the insured location, locked to an immovable object for more than 18 hours; Pedal cycles left unattended for more than 1 hour within walking distance of your home are not covered for theft, unless stored in an insured location; Theft or damage to accessories, wheels or helmet & clothing unless the bike is stolen or damaged at the same time; Trips outside of the UK are restricted to 120 days at a time. Where does the travel insurance apply: Theft, malicious damage, accidental damage, bicycle hire, personal accident, taxi reimbursement, and event withdrawal are covered worldwide. Public liability is covered worldwide excluding the USA and Canada. Legal expenses and courier cycling are covered in the UK only. Your Ultimate Bicycle Insurance Policy Wording: This document is a legally binding contract of insurance between you and us. Complete pre-contractual and contractual information about the product is provided in the schedule and thestatement of facts. We agree to insure you under the terms, conditions and exceptionscontained in this policy wording, the schedule. You are insured for any liability, loss ordamage that occurs during any period of insurance for which you have paid, or agreed topay a premium. This insurance is governed by English law.We’re open Monday to Friday: 9:00pm-5:00pm 0333 003 0046 0333 003 0600 support@yellowjersey.co.uk claims@yellowjersey.co.uk. You should read the claims section of this policy wording before submitting yourclaim.All claims must be submitted via your account on our website.Our in-house team of cycling insurance experts will take it from there.Remember that it is a condition of your policy to provide all information andassistance we may require during the course of our investigations.Failure to do so may result in unnecessary delays and expense being incurred or yourclaim not being paid.- you may cancel the insurance, withoutgiving reason, by sending us written notice within 14 days of the commencement date or (iflater) within 14 days of you receiving your contractual documentation. We will make acharge equal to the period of cover you have had. We will not refund any premium if youhave made a claim.– whilst you may cancel this insurance afterthe 14-day cooling off period no refund of premium will be payable.We may cancel the insurance by sending you 7 days’ notice to your last known address. Wewill refund the part of your premium which applies to the remaining period of insurance (aslong as you have not made a claim).Your UltimatePolicy WordingIt is the intention to give you the best possible service but if you do have any questions orconcerns about this insurance or the handling of a claim you should follow the complaintsprocedure below:- Yellow Jersey, Prospero, 73 London Road, Redhill, Surrey, RH1 1LQ |Tel: 0333 003 0046 | Email: support@YellowJersey.co.uk.- Yellow Jersey, Prospero, 73 London Road, Redhill, Surrey, RH1 1LQ | Tel: 0333003 0600 | Email: claims@YellowJersey.co.uk.(SECTION 9) - Customer Relations Department, ARAG plc, 9 WhiteladiesRoad, Clifton, Bristol, BS8 1NN | TEL: 0117 917 1561 | EMAILcustomerrelations@arag.co.uk (hours of operation are 9am - 5pm, Monday to Fridayexcluding bank holidays. For our mutual protection and training purposes, calls may berecorded).If it is not possible to reach an agreement, you have the right to make an appeal to theFinancial Ombudsman Service. This also applies if you are insured in a business capacity andhave an annual turnover of less than £2million and fewer than ten staff.You may contact the Financial Ombudsman Service at: The Financial Ombudsman Service,Exchange Tower, London, E14 9SR | Tel: 0300 123 9 123 | Email: complaint.info@financial-ombudsman.org.uk. The above complaints procedure is in addition to your statutory rightsas a consumer. For further information about your statutory rights contact your localauthority Trading Standards Service or Citizens Advice Bureau.Your UltimatePolicy Wording“ ”hese terms are importantmake sure you understandthemAccident / Accidental A sudden or unexpected crash, fall or impact whilst using ortransporting your pedal cycle which causes damage to you and/oryour pedal cycle during the period of insurance.Accessories Pedal cycle related equipment owned by you and used inconjunction with the pedal cycle, which are not essential to itsoperation, including but not limited to: saddle bags, cycle computers,bottle cages, bottles, clip-on tri-bars.The following are not accessories:✘ upgraded parts (e.g. saddles/wheels/pedals), or componentssuch as power meters should be included as part of the pedalcycle value✘ phones or watches, unless used to record ride GPS data at thetime of the accidentAppointed Advisor The solicitor or other advisor appointed by ARAG to act on behalf ofyou.Approved Lock A lock specified in the Master Locksmiths Association (MLA) ‘SoldSecure’ list of pedal cycle locks which, at the time of purchase, isappropriate to the value of your pedal cycle.Pedal cycle(s) up to the value of £1,500 require a Sold SecureSilver lock;Pedal cycle(s) exceeding a value of £1,500 require a SoldSecure Gold or Diamond lock.✘ Accessory cables supplied with D-locks are not approved locks,and must not be used to secure your pedal cycle to animmovable object.TYour UltimatePolicy WordingBike Box Luggage explicitly developed for the carriage of a pedalcycle or pedal cycle wheels, either owned or in your custody, careor control for the carriage of your own pedal cycle or pedalcycle wheels.✘ We do not accept cardboard boxes. Your bike box must be madeof plastic, carbon fibre or metal.Bodily injury Death or identifiable physical injury resulting solely andindependently from an accident.Collective ConditionalFee AgreementA legally enforceable agreement entered into on a common basisbetween the appointed advisor and us to pay his or her professionalfees on the basis of 100% “no-win no-fee”.Computer System Any computer hardware, software, communication system orelectronic device (including smartphones, laptops, tablets andwearable devices), server, cloud, microcontroller or similar system(including any associated input, output or data storage device,networking equipment or backup facility).Conditional FeeAgreementA legally enforceable agreement entered into between you and anappointed advisor for paying their professional fees based on 100%“no-win-no-fee”.Courier Cycling Cycling to collect or deliver items of any kind in a professionalcontext, including to and from your courier shift. For the avoidanceof doubt, this does not include the carriage of passengers.Cyber Risk Any unauthorised, malicious or illegal act (or the threat of suchan act), involving access to or the processing, use or operation ofany computer system;Any error or omission involving access to or the processing, use,or operation of any computer system;Any partial or total unavailability or failure to access, process,use or operate any computer system; orAny loss of use, reduction in functionality, repair, replacement,restoration or reproduction of any data, including any amountrelating to the value of such data.Deadbolt A lock that can only be moved to a locked position by rotating a key. A spring-loaded latch is not a deadbolt. If you’re in anydoubt, please contact our support team.Your UltimatePolicy WordingExtreme Force This requires the use of power tools or heavy machinery to break orcut a lock or immovable object. Bypassing security measures using simple tools, such as aspanner or knife, would not constitute extreme force.Family Any parents, spouse, partner, son, daughter or siblings, whopermanently live with you.Home The primary residence occupied by you, at the address shown inyour schedule.Helmets and Clothing Any specialist triathlon or cycling articles of clothing includingwetsuits, eyewear, footwear or headgear. You must add this benefit to your policy, it is not coveredautomatically.Immovable a) an object which cannot be undone or removed unless usingextreme forceb) an object from which the pedal cycle cannot be lifted, eitherover or under, without having broken the approved lockc) a securely fixed motor vehicle pedal cycle rack, locked to avehicle, which cannot be undone or removed unless usingextreme forced) a pedal cycle rack supplied expressly to secure pedal cycles,which cannot be undone or removed unless using extreme forceincluding those found at rail stations, city centres and places ofworkYour UltimatePolicy WordingInsured Location The locations defined below are the only acceptable locations whereyou can keep the pedal cycle for more than 18 hours at a time:a) within your home or temporary holiday accommodationb) a locked domestic garage, locked outbuilding or locked shedwithin your home’s boundaries or a temporary holidayaccommodation accessed only by you, your family, or personsresiding with youThe following are not approved locations:✘ garage en bloc away from your home✘ sheds or storage units in your front garden, or those easilyaccessed from the street✘ shed or outbuildings with any exposed screws which can beremoved to gain accessc) self-contained, lockable room accessed only by you within a hallof residence, boarding school, office or house of multipleoccupancy (HMO).d)a privately-accessed pedal cycle storage unit within theimmediate boundaries of your home, hall of residenceboarding school or house of multiple occupancy (HMO)a hallway in a block of flats with lockable access restricted toresidentsa balcony with lockable entry accessed only by you on thesecond floor or aboveThe following are not approved locations:✘ storage units where your pedal cycle is visible from the outside✘ storage units on a public road or pavement✘ any balcony on the ground or first floor✘ any balcony that is easily accessible to anyone other than you. If you’re in any doubt, you should contact our support teamwho will be happy to help.Insured Person The person named in the schedule as the insured.Legal Costs & Expenses a) reasonable legal costs, fees and disbursements reasonably andproportionately incurred by the appointed advisor on theStandard Basis and agreed in advance by us or FixedRecoverable Costs. The term “Standard Basis” can be foundwithin the Court’s Civil Procedure Rules Part 44;b) other side’s costs and disbursements where you have beenordered to pay them or pay them with our agreement.Your UltimatePolicy WordingMalicious Damage Intentional damage caused by a third party.Pedal Cycle(s) Any bicycle, tricycle, tandem or trailer cycle (powered by humanpedalling and/or an electric battery with an output not exceeding250w and 15.5 mph) as disclosed on the schedule, including allcomponents, equipment upgrades, or cycle related equipment thatform part of the pedal cycle and are essential to its operation andwhich are owned by you or for which you are legally responsible. We cannot cover electric pedal cycles with motors greaterthan 250w, those that engage the motor without youpedalling or those that can be adjusted above 250w by youPeriod of Insurance The period for which this policy is in force as shown onthe schedule.Pre-existing condition: a) any respiratory condition (relating to the lungs or breathing), aheart condition, stroke, Crohn’s disease, epilepsy, allergy, orcancer for which you have ever received treatment (includingsurgery, tests or investigations by a doctor or a consultant/specialist or prescribed medication);b) any psychiatric or psychological condition (including anxiety,stress and depression) for which you have suffered which youhave received medical advice or treatment or been prescribedmedication for in the last five years;c) any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic withinthe previous 12 months or for which you are prescribedmedication;d) any disease, illness or injury you are aware of but for which youhave not had a diagnosis.Reasonable Prospects ofSuccessScheduleA greater than 50% chance of you successfully pursuing the claimand of enforcing any judgment that might be obtained.The document showing the details of the insured person, the coverprovided and any additional terms and conditions specified.Your UltimatePolicy WordingSum Insured The amount set out on the schedule.Terrorism An act, or the threat of an act, by any person or group of persons,whether acting alone or on behalf of or in connection with anyorganisation or government, that:a) is committed for political, religious, ideological or similarpurposes; andb) is intended to influence any government or to put the public, orany section of the public, in fear; andc) involves violence against one or more persons; orinvolves damage to property; orendangers life other than that of the person committing theaction; orcreates a risk to health or safety of the public or a section of thepublic; oris designed to interfere with or to disrupt an electronic system.Unattended Whilst the pedal cycle is not being ridden or held by you oran adult who is entrusted with its safekeeping, for any period oftime.United Kingdom, UK England, Scotland, Wales, the Channel Islands, Isle of Man andNorthern Ireland.Value This may defined by using one of the following circumstances. Allvalues should be in GBP, inclusive of VAT:a) new or second hand pedal cycles should be insured at the priceyou paid, including the sum of any parts or upgrades which youpurchased and which form part of your pedal cycle;b) new or second hand pedal cycle accessories, bike boxes,helmets and clothing should insured for the price you paid;c) for vintage or antique pedal cycles and accessories, which areof particular worth due to their age, style or collectability, thesum shown in any valuation you provide to us, provided thatsuch valuation is less than three years old and has been providedby a vintage cycle retailer or other suitably qualified valuationexpert. If you are unable to provide photos documenting thecondition of the pedal cycle at the time of the valuation, youmust accept our valuation;d) for heavily discounted bikes, the undiscounted replacement costat the purchase date for a pedal cycle which, when purchasedfrom new, benefited from a significant and one-off discount.This discount must be visible on purchase receipt from arecognised retailer. If you’ve added parts to this since, youshould add them at the price paid;Your UltimatePolicy Wordinge) for custom builds the price you paid for the sum of all the parts,including reasonable labour costs;f) for ex-demo, ex-display or ex-team pedal cycles, you shouldinsure it for the price you paid, including any parts or upgradesyou’ve added;g) for prize or gifted new pedal cycles, new accessories or newhelmets and clothing, RRP at the time of receipt, keepingevidence of the RRP and evidence of gifting. Any parts orupgrades should be added on top;h) for gifted second hand or used pedal cycles, you must agree avalue with us in advance of the inception of your policyotherwise we reserve the right to apply our view of value basedon the pedal cycle’s condition and current market value.We/Us/OurYou/YourThe insurers named in the schedule of insurance. For sections 1-8,this refers to Yellow Jersey on behalf of AWP P&C SA (whoseinsurance is administered by AWP Assistance UK Ltd trading asAllianz Assistance). Section 9 refers to ARAG plc on behalf ofSCOR UK Company Limited.The insured person named on the schedule or a member of yourfamily who is a resident of the United Kingdom.Your UltimatePolicy Wording“ ……”his is just a summary – youneed to read the whole thingfor the specifics.Theft Up to the sum insured Yes 10% of the claim, capped at £100(Or £250 for courier cycling)If you own a Diamond rated Sold Secure lock, we will waive your excess whilst away from an insured location. You must prove the lock was used at the time of the theft (e.g. a time stamped photo of the lock when you left your pedal cycle, or the remains of the cut lock) Accidental or Malicious DamageUp to the sum insured Yes 10% of the claim, capped at £100(Or £250 for courier cycling)Public Liability £2m✘ Not in USA/CAN✘ Not for courier cyclingYes NoHelmet & Clothing Up to the sum insured Optional 10% of the claim, capped at £100(Or £250 for courier cycling)Bike Boxes Up to £1,000 Yes 10% of the claim, capped at £100Taxi £150 per claim / £450 peryearYes NoCycle Hire Up to £500 Yes NoRace Fee Up to £500 Yes NoLegal Expenses Up to £100,000 UK onlyYes NoPersonal Accident Up to £25,000 Yes NoLeisure Yes Worldwide Any trip up to 120 daysCommuting Yes Worldwide Any trip up to 120 daysSportives Yes Worldwide Any trip up to 120 daysRacing Yes Worldwide Any trip up to 120 daysFamily Cover Yes Worldwide Any trip up to 120 daysCourier Cycling Yes Named policy holder onlyUK N/ATYour UltimatePolicy WordingLocks and security are a crucial aspect of any pedal cycle insurance policy. To make it as easy as possible tounderstand our security criteria, we’ve included this handy guide and illustrations.You must still refer to the relevant theft sections for the full terms and conditions.Whenever you need to use a pedal cycle lock, it must be rated by Sold Secure.If you’re not sure what grade your lock yours is, Sold Secure’s website willtell you. The packaging on the lock typically displays the level too.For pedal cycles over £1,500, you must use a Sold Secure Gold, or Diamond rated lock.For pedal cycles £1,500 or under, you can use a Sold Secure Silver lock.We cannot accept any pedal cycle lock that isn’t rated by Sold Secure, even if a shop or website says thelock is ‘super strong’ or ‘heavy duty’.Accessory cables supplied with D-locks are not approved locks.Flexi-cable or combination locks are not approved locks.✔Secure the approved lock through the frame and bothwheels to an immovable objectTwo approved locks through each wheel andframe to an immovable object✘The D-Lock attached to the immovable object, withonly the accessory cable securing the pedal cycle.The D-lock is only securing the wheel. The framemust be secured to an immovable object.Your UltimatePolicy WordingWhen we refer to deadbolts for your house, flat, shed, garage or outbuilding, this must be a lock that canonly be locked by turning a key. We cannot accept sprung or night latches to secure any external doors.✔ Approved Deadbolt ✔ Approved Deadbolt ✘ Unapproved Latch LockSometimes sheds or outbuildings don’t have deadbolts, and that’s fine. If you usea padlock to secure the doors, this must be a closed shackled padlock, with a CEN3 rating or higher. There must not be any screws on the structure or door that can beremoved to gain access.✔ Security Hinges(no exposed screws)✔ Hasp and Staple(no exposed screws)✘ Unsecured Hinge(exposed screws)✘ Unsecured Latch(exposed screws)✔ Door DefenderGarage DoorsWe get lots of questions about electric or ‘up and over’ garage doors. They’re veryconvenient but also very straightforward to gain access to by forced entry.We’ve tried to standardise and simply our approach to these types of doors.Any electric or ‘up and over’ garage door must beapproved by ‘Secured by Design’, the official policesecurity initiative. There cannot be an external overridecapable of opening the door or shutters either.If your garage door doesn’t meet this criteria, you must either use a door defender(above) or secure the pedal cycles to an immovable object through the frame withan approved lock. Any external security must also be in operation.✘ No external overrideOpenShacklePadlock✔ ✘Your UltimatePolicy WordingOther insurers may have differing views on how to value your items. You may have even had a differentcycling insurance policy in the past.We have a consistent valuation method. Our examples below might help you if you’re unsure after readingthe definitions. Please follow our approach so we can settle your claims fairly.I purchased my bike for £5,000 from a retailer in 2016 and have had no upgrades since; what’s thevalue?The value is £5,000, i.e. the price you paid for it.Remember to include any pedals or upgrades you added at the time of purchase.I purchased my bike for £2,000 from a retailer in 2018 and then spent £1,800 upgrading the wheelsand saddle in 2019; what’s the value?The valuation is the total price paid for the bike and the extra parts, i.e. you paid £2,000, and thenspent £1,800 upgrading the wheels and saddle, you should value it at £3,800.I purchased a bike worth £1,000 RRP for £600 in a sale; what’s the value?It would be best if you insured it for the RRP at the time of purchase, i.e. £1,000. The invoiceshould show the discounted price.I was gifted a bike worth RRP £3,000 in 2019; what’s the value?The value of the bike is the RRP at the time of gifting, i.e. £3,000. This also includes if you won thebike as a prize in a competition. Remember to keep proof of the prize or evidence it was gifted.I purchased an antique bike ridden by Eddy Merckx for £5,000 in 2012; what’s the value?In this instance, you insure the bike for the value that an expert has calculated. You must providephotos of the bike and a copy of the valuation letter less than three years old to verify the value.I built a bike up myself from parts. I paid a total of £4,500 for the frameset, wheelset groupset andfinishing kit from various sources; what’s the value?It would be best to insure it for £4,500 plus a little extra for the labour costs.Your UltimatePolicy WordingI purchased a bike from a friend for £750; what’s the value?If you bought a bike from your friend for £750, you should insure it for £750.Remember to keep a copy of the receipt or transfer of ownershipI bought a bike for £500 on the internet, and then purchased a brand new wheelset for £1,000;what’s the value?You should insure it for £1,500My Aunt gifted me a second-hand bike; what’s the value?If your Aunt has the receipt, e.g., she paid £450 on eBay, you should insure it for £450.If you don’t know the price she paid, you speak to our support team in advance to agree on a value.My brother gifted me a second-hand bike, and I’ve since spent £700 upgrading the groupset; what’sthe value?If you know the price paid for the bike, add that to the new parts’ price.If you’re in doubt, confirm the value with our support team.I paid £2,500 for an ex-demo / ex-display bike, but it’s worth £5,000 RRP; what’s the value?If you paid £2,500 for an ex-display bike, you should insure it for £2,500., this also includes buyingbikes sold off by race teams at the end of a season.Your UltimatePolicy Wording”“Log into your account on our website to claim online. Once you have submitted the information,our expert claims team will take it from there.For any pedal cycle, accessories helmet or clothing that is lost or suffers accidental or maliciousdamage we will choose whether to:replace or repair the item or partpay the cost of replacing or repairing the item or part, up to the amount it would have cost usto replace or repair using our suppliers, or as a last resortmake a cash paymentWe won’t pay more than the amount it would have cost us to replace or repair via oursuppliers.We do not have to use any pedal cycle dealer or distributor nominated or selected by you.However, if your preferred pedal cycle dealer or distributor will match the prices available tous and work with us directly, we will consider your request.You must accept that we may appoint a specialist, including carbon restoration experts, toinvestigate, repair and restore any pedal cycle claim on our behalf.You must retain any damaged pedal cycles for inspection unless we have advised otherwise.You must accept that in the event of repair, we are not liable for the loss of warranty.We reserve the right to decline any costs incurred by you before our team approves of yourclaim.If appropriate parts or replacement items are not available, we will pay the item’s full cost,provided the sum insured is adequate.In the event of a partial or total loss, we will request the original parts from you prior tosettlement of replacement parts, accessories or pedal cycles.We reserve the right to request you make use of a manufacturer crash replacement guaranteeif available to you.Pedal cycles are limited to the sum insured shown on your schedule or the pedal cycle’svalue, whichever is less.Accessories are limited to the price you paid, capped at the sum insured shown on yourschedule.T he reason you buyinsurance; make sureyou read this bit.Your UltimatePolicy WordingAdditional wheelsets are limited to the sum insured shown on your schedule or thewheelset’s value, whichever is less.The most we will pay is limited to the value of the damaged item(s) claimed for, rather thanup to the full pedal cycle replacement cost as new.We will pay for a maximum of 10 sessions within 90 days of the date you first became awareof the accident that caused your injury, capped at the limit shown in your schedule. We willreimburse for all costs after the 90 day period has ended, or the course of treatment hasended, whichever is sooner.If the sum insured isn’t enough to cover the pedal cycle value, we will reduce any payment in linewith the reduction in insured value.You buy your pedal cycle for £2,000 but insure it for £1,000.It suffers £500 worth of damage in an accident.We would only pay £250 towards the cost, in line with your underinsurance of 50%.You buy your bike for £2,000 but you only insure it for £1,000.It is stolen.We would pay up to £1,000.You will have to pay any excesses shown in your schedule. If we have asked one of our suppliers todeal with all or part of your claim, we may ask them to collect the excess from you.If one wheel or part of a groupset is damaged (e.g. one shifter), and we can’t repair or replace it withthe same product of similar quality, specification and colour, we will at our discretion:replace the pair of items or set with an equivalent; orpay the cost of replacing the pair of items or set to the amount it would have cost us toreplace the item using our own suppliers.If no equivalent pair of items or set is available, we will pay the RRP at the time of purchase ifpurchased as new, or the current market value for the used part(s) if purchased second hand,providing the sum insured is adequate.If we ask you to, you will have to give up the undamaged parts of the pair or set to us where the fullreplacement cost has been paid.Your UltimatePolicy Wording“ ”his list might seem long, but we think it’s pretty straightforward.We thought we’d lay out our cards now to avoid any surpriseslater on. If you’re in any doubt, please get touch with our friendlysupport team.✘ you cannot provide the receipts (purchase date, the price paid, details of items, name and addressof a seller) for your:pedal cycle, accessories, helmet & clothing, bike box or additional wheelsetsapproved lockpadlocksemergency pedal cycle hireemergency taxi riderace entryphysio or dental costs✘ you submit your claim more than 28 days after the incident that caused you to claim✘ you have not reported the theft to the police within 24 hours of discovering your pedal cycle isstolen✘ you have not reported damage or theft to an airline within 24hrs of noticing the loss✘ the pedal cycle is being used by anyone other than you and your family✘ you leave a pedal cycle somewhere other than an insured location for more than 18 consecutivehours✘ you are riding a pedal cycle not listed on your schedule (other than Section 5 Public Liabilityfor the named policyholder only)✘ you cannot reasonably explain how and when the damage or accident occurred✘ your damage claim does not involve accidental damage to the pedal cycle✘ you are performing stunts✘ you are a professional cyclist (unless referred and agreed by us in advance)✘ you are cycling for business, other than commuting to and from work (unless referred andagreed by us in advance)✘ you have committed any unlawful acts whilst in control of your pedal cycle✘ damage caused by a professional delivery or courier company, unless securely packed in a bikebox and a receipt obtained✘ loss or damage if you have sold the pedal cycle, or have agreed to sell the pedal cycle, includingduring delivery of the pedal cycle to a new owner✘ you have failed to maintain the pedal cycle in accordance with the manufacturers’ adviceTYour UltimatePolicy Wording“ ”✘ the pedal cycle suffers from a mechanical or electrical breakdown or defect or electronicmalfunction✘ the damage is caused by faulty or defective design, materials or workmanship or latent defectand defects in the operation✘ the loss is due to a pre-existing condition✘ anyone other than the named policyholder is courier cycling✘ you cannot reasonably explain how and when the theft or loss occurred✘ you leave a pedal cycle somewhere other than an insured location for more than 18 consecutivehours✘ your pedal cycle is stolen within walking distance of your home whilst unattended for morethan 1 hour, unless stored in an insured location (house, flat, shed, garage etc)✘ you loan or hire the pedal cycle to anyone other than member of your family✘ the pedal cycle is stolen by someone entrusted with it✘ you leave a pedal cycle in an official event transition area for more than 48 hour period✘ the lock you used is not an approved lock, which includes not using a lock suitable to the cyclevalue of your pedal cycle✘ you cannot demonstrate entry was gained by force, with visible damage to the fabric of thebuilding or vehicle at the point of entry, the immovable object or the approved lock✘ a delivery or courier company (other than an airline) is responsible for your pedal cycle at thetime of the loss✘ loss or damage if you have sold the pedal cycle, or have agreed to sell the pedal cycle, includingduring delivery of the pedal cycle to a new owner✘ unlocked wheels or cycle accessories are stolen, unless the whole pedal cycle is stolen in thesame incident✘ if your approved lock does not directly attach the frame to an immovable object whererequiredThis policy will never cover the following:✘ natural disasters✘ financial default✘ epidemic or pandemic✘ cyber risks of any kind✘ pollution or threat of pollutant release✘ war, invasion, terrorism, acts of foreign enemies, hostilities (whether or not war has beendeclared), civil war, rebellion, revolution, insurrection, military or usurped power✘ ionising radiation or contamination by radioactivity from any nuclear fuel, or from any nuclearwaste from burning nuclear fuel✘ radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly ornuclear component thereof✘ pressure waves from aircraft or other aerial devices travelling at supersonic speeds✘ solvent use, being under the influence of drugs or alcohol, except those prescribed by aregistered doctor, or drugs which have been prescribed by a registered doctor and not thoseprescribed for drug addiction✘ suicide attempted suicide or deliberate injury to yourself or putting yourself in unnecessarydanger (unless trying to save human life)s orry, we didn'tchoose these ones…Your UltimatePolicy Wording✔ your pedal cycle listed on your schedule foraccidental or malicious damage, up to its suminsured✔ your accessories, helmets & clothing, bikeboxes and additional wheelsets, up to their suminsured (if selected) for accidental or maliciousdamage✘ any of the cycling exclusions✘ accidental damage without a reasonableexplanation✘ malicious damage for unattended pedal cyclesunless you have adhered to our securityrequirements✘ claims for a frame or wheelset unless there arevisible signs of structural damage✘ any marring, scratching, denting, cosmeticdamage or wear & tear✘ consequential losses arising from an uninsuredevent or damage✘ any costs incurred by you which have not beenauthorised by usWe are here to help and we’ve got your back! Below are some common reasons we’ve had to decline damageclaims:If you want your helmets or clothing covered, you need to add this to your policy. It is notcovered as standard.We will cover your smart phone or smart watch if it is damaged when being used to recordthe GPS of the ride. If it’s just in your pocket, and is incidental to your cycling, we can’t.The onus is on you to demonstrate ownership. The easiest way to do this is to take photos ofthe receipts, or save copies of e-receipts.You must be riding or using your pedal cycle at the time, and notice the damage beingcaused to you or your pedal cycle.Your UltimatePolicy WordingDo not discuss whose fault the accident was or accept any responsibility.Always exchange details with the other drivers/cyclists, including names, addresses,registration numbers and Insurer names and policy numbers.If you have a camera available, and it is safe to do so, take photos of the vehicle positionsbefore they are moved and the vehicle damage, as they may assist with establishing liability.If anybody is injured or you do not exchange details at the scene, then report the matter to thepolice within 24 hours.Do not answer directly to any correspondence received from any representatives of the otherparties involved.Ensure your claim is submitted to Yellow Jersey Claims via the online client area within 28days.All incidents, no matter how minor they may seem should be reported.Your UltimatePolicy WordingTheft of your pedal cycle, bike box, wheelsets & accessories whenstored in the following insured locations and you have adhered toour security requirements:✔ within your home or temporary holidayaccommodation! This section does not refer to:domestic garages, outbuildings and sheds (seelocation B)houses of multiple occupancy (HMOs) – (seelocation C)! Pedal cycles left unattended for more than 1hour outside anywhere within walkingdistance of your home are not covered fortheft, unless stored in an insured location.all external security devices (e.g. window locksand alarms) must be in operation and every exitdoor must be secured with a deadboltyou must not leave the home unoccupied formore than 30 consecutive days without spendinga night thereyou must not leave your pedal cycle outsidewithin walking distance of your home for morethan 1 hour✔ a locked domestic garage, locked outbuilding orlocked shed within the boundaries of yourhome or temporary holiday accommodation,accessed only by you, your family or personsresiding with youThe following are not approved locations:✘ garage en bloc away from your home✘ sheds in your front garden or those easilyaccessed from the street✘ sheds or outbuildings with any exposedscrews that can be removed to gain access! Pedal cycles which are unattended for morethan 1 hour within your front garden, orwithin walking distance of your home are notcovered for theft.! If you’re in any doubt about your garage,shed or outbuilding, please contact oursupport team.IF all external doors are secured by a deadbolt or aCEN Grade 3 closed shackle padlock, or all garagedoors are approved by the company “Secure byDesign”, pedal cycles do NOT need to be lockedto an immovable objectOTHERWISE pedal cycles must be securedthrough the frame, with an approved lock, toan immovable object within the structureIN ADDITION to external securityrequirements above, every pedal cyclevalued over £1,500 stored in a wooden shedor outbuilding, must be secured through theframe by an approved lock to animmovable objectgarage doors must not have an external overridesheds or outbuildings must not have any exposedscrews which can be removed to gain accessyou must not leave the home unoccupied formore than 30 consecutive days without spendinga night thereyou must not leave your pedal cycle in a shed orstorage unit in your front garden for any periodof timeYour UltimatePolicy Wording✔ a self-contained lockable room accessed only byyou within a university hall of residence,boarding school, office or house of multipleoccupancy (HMO)all external security devices must be in operatione.g., you need to lock your final exit doors, andput your alarm on (if you have one)you must not leave the room unoccupied formore than 30 consecutive days without spendinga night thereyou must not leave your office unoccupied formore than 30 consecutive days without spendinga working day there✔ a privately-accessed pedal cycle storage unitwithin the immediate boundaries of your home,hall of residence, boarding school or house ofmultiple occupancy (HMO)✔ a hallway in a block of flats with lockableaccess restricted to residents✔ a balcony with lockable entry accessed only byyou on the second floor or aboveThe following are not approved locations:✘ storage units where your pedal cycle isvisible from the outside✘ storage units on a public road or pavement✘ any balcony on the ground or first floor✘ any balcony that is easily accessible toanyone other than youpedal cycle(s) must be secured through the frameby an approved lock to an immovable objectwithin the storage unit or hallwaythe pedal cycle must not be visible from theoutside of the storage unitentry to the storage unit must only be gained viathe door, gate or lid lock, with lockable accessrestricted to those who keep bikes within it.it must not be possible to climb under or over thestorage unit to gain accessyou must not leave the accommodationunoccupied for more than 30 consecutive dayswithout spending a night there! If you’re in any doubt about your storage unit,please contact our support team.We are here to help and we’ve got your back! Below are some common reasons we’ve had to decline theftclaims from home or insured locations:If someone ONLY steals your bike computer or your lights, we can’t cover that; the wholepedal cycle must be stolen. When you leave your pedal cycle in any location that is accessedby anyone other than you or your family. take your accessories with you.Accessory cables supplied with D-locks are not approved locks, and must not be used tosecure your pedal cycle to an immovable object.There is a big difference in the quality of storage units; some are much less secure than othersand are not approved by us. If you’re in any doubt about your storage unit, please contactour support team.Your UltimatePolicy WordingEvery exit door on your home needs one. To close these locks, you have to turn a key, notjust pull the door to on a latch. Dead bolts offer much higher security than a latch, which iswhy we insist on them.If your battery or screen isn’t lockable, you need to take these with you when you lock upyour pedal cycle in any location that is accessed by anyone other than you or your family.We can’t insure these items against theft, if they can be removed without force.Choose your immovable object carefully. A thief would require heavy machinery to break animmovable object, not just a spanner or a knife.You need to lock the pedal cycle frame with an approved lock directly to an immovableobject. If you only lock the wheel, a thief doesn’t need to break to a lock to take the pedalcycle.The onus is on you to demonstrate ownership. The easiest way to do this is to take photos ofthe receipts, or save copies of e-receipts.We only accept Sold Secure rated pedal cycle locks. Whilst pedal cycles under £1,500 canuse a Silver rated lock, we always recommend a Gold or Diamond lock for all pedal cycles.Any pedal cycle over £1,500 must use a Gold or Diamond lock.Your UltimatePolicy Wording✔ you are riding or holding your pedal cycle✔ your pedal cycle is locked to an immovableobject through the frame with an approved lockfor less than 18 consecutive hours✔ your pedal cycle is temporarily locked within avehicle for less than 18 hours since you last droveit, providing all security devices in operation andwindows shut✔ your pedal cycle is temporarily stored in a secureovernight race transition area, for up to 48 hours✔ your pedal cycle (and bike box) is lost or stolenwhen with an airline and you report it to the airlinewithin 24 hours of discovering the loss✘ any of the cycling exclusions✘ theft of your pedal cycle when unattendedand not locked with an approved lock✘ theft from a vehicle unless all doors andwindows are shut, and all security devices arein operation. If there is a deadbolt, this mustbe used tooWe are here to help and we’ve got your back! Below are some common reasons we’ve had to decline theftclaims when you’re out and about.Accessory cables supplied with D-locks are not approved locks, and must not be used tosecure your pedal cycle to an immovable object.When locked up away from an insured location, hangars are simply an immovable objectand must only be left for up to 18 hours at a time.You can’t leave your pedal cycle in one place for prolonged periods, but come back to checkon it every 18 hours. Thieves know it’s there, and they will likely return to steal it.If someone just steals your bike computer or your lights, we can’t insure against that; thewhole pedal cycle must be stolen. When you stop at a café or the shops, take youraccessories with you to prevent uninsured theft.If your battery or screen isn’t lockable, you need to take these with you when you lock upyour pedal cycle in any location that is accessed by anyone other than you or your family.We can’t insure these items against theft, if they can be removed without force.Your UltimatePolicy WordingChoose your immovable object carefully. A thief would require heavy machinery to break animmovable object, not just a spanner or a knife.You cannot store your pedal cycle in a vehicle for longer than 18 hours; you cannot checkback in on it to reset the clock. Whenever you are at home, you must remove it from yourvehicle.A pedal cycle rack on the rear or roof of a vehicle is like any other immovable object. Theymust be locked with an approved lock. The rack itself must also be secured to the vehicle. Ifa thief can cut fabric straps to steal your pedal cycle, this is not immovable.You need to lock the pedal cycle frame with an approved lock directly to an immovableobject. If you only lock the wheel, a thief doesn’t need to break to a lock to take the pedalcycle.You can’t leave your pedal cycle locked up outside within walking distance of your homefor more than 1 hour. This includes in or on a vehicle, or within your front garden.The onus is on you to demonstrate ownership. The easiest way to do this is to take photos ofthe receipts, or save copies of e-receipts.We only accept Sold Secure rated pedal cycle locks. Whilst pedal cycles under £1,500 canuse a Silver rated, we always recommend a Gold or Diamond lock for all pedal cycles. Anypedal cycle over £1,500 must use a Gold or Diamond lock.If a thief can ride off with your pedal cycle without you noticing or intervening, you are notattending to it. You should either be riding, or holding your pedal cycle when out and about.Your UltimatePolicy WordingInjuries you sustain in an accident whilst you areusing your pedal cycle up to the sums below:✔ loss of limb being the physical separation of oneor more hands or feet or permanent and total lossof use of one or more hands or feet - £12,500✔ total and irrecoverable loss of sight in both eyes- £12,500✔ death - £12,500✔ Permanent Total Disablement which entirelyprevents you from attending to any remunerativeoccupation following a medical review 12months after the date of disablement - £25,000✔ physiotherapy - £750✔ dental costs - £750✘ any of the cycling exclusions✘ any medical costs, other than physiotherapy ordental costs✘ any physiotherapy or dental costs withoutwritten advice from a medical practitioneradvising that you receive private treatmentrather than utilising care provided by theNational Health Service✘ any physiotherapy or dental costs incurred morethan 3 months after the accident✘ any cosmetic, elective or aesthetic dentaltreatment✘ injuries sustained by any person aged under 16✘ injuries which occur while you are under theeffects of drugs or alcohol at the time of theaccident✘ your death which occurs more than 30 days afterthe accident✘ more than one benefit under this section of coverduring any one period of insuranceWe are here to help and we’ve got your back! Below are some common reasons we’ve had to declinepersonal accident claims.You must be riding a pedal cycle listed on your schedule for the personal accident cover tobe in force.We cannot cover any niggle, injury or illness that you were aware of before this policyincepted.Your UltimatePolicy Wording✔ up to £2,000,000 to cover your legal liability fordamages you have to pay which arises from youruse of or ownership of a pedal cycle if someonemakes a claim against you during the period ofinsurance for:accidental death or illness of, or bodilyinjury to, any personaccidental loss of or damage to property✔ for any costs, expenses, and legal fees to defendyou, if we have agreed this in writingCover for the named policyholder only underthis section also extends to any pedal cycle.✘ legal liability in the United States of America orCanada or their dependencies or trust territories✘ legal liability arising out of the use or ownershipof a pedal cycle by any member of your familyunder age 16 or over 85✘ liability arising from loss or damage to property,which belongs to you or is in your care, custodyor control✘ where you are entitled to indemnity from anothersource✘ any liability arising from your courier cycling✘ when punitive, exemplary or aggravated damagesare awarded against you✘ any liability for bodily injury, loss or damage toyour employees or members of your family orhousehold or to their property✘ anyone being carried on the pedal cycle otherthan youAlways exchange details with the other drivers/cyclists, including names, addresses,registration numbers and insurer names and policy numbers.Obtain witness details, including those of passengers in any vehicle involved.If you have a camera available, and it is safe to do so, take photos of the vehicle positionsbefore they are moved and the vehicle damage, as they may assist with establishing liability.Do not discuss whose fault the accident was or accept any responsibility.If anybody is injured or you do not exchange details at the scene, then report the matter to thepolice within 24 hours.Do not answer directly any correspondence received from any representatives of the otherparties involved.Ensure your claim is submitted to Yellow Jersey Claims via the online client area within 28days.All incidents, no matter how minor they may seem should be reported.Your UltimatePolicy Wording✔ hire costs up to £35 per day, up to a limit of£500 per policy, for an equivalent pedal cycle,after your claim has been approved if yourpedal cycle:is being repaired or replaced followingaccidental damagefails to arrive at a venue outside of the UnitedKingdom due to a delay by a carrieris damaged whilst outside of the UnitedKingdom✘ for any of the cycling exclusions✘ if you have not made reasonable attempts toagree the hire costs with us first✘ for any subsequent costs associated with yourefusing a hired pedal cycle✘ for any hire costs after we settle your claimWe are here to help and we’ve got your back! Below are some common reasons we’ve had to decline hireclaims.You need to make every reasonable attempt to get in touch with us before paying for hirecosts yourself.If you make use of a hire pedal cycle, you will need to add it to your schedule whilst you areusing it. It is not covered automatically.Your UltimatePolicy Wording✔ if you (the intended participant) need towithdraw from an organised event due tosudden, unexpected and unforeseeable injurythat occurs after you entered the event, whichprevents you from reasonably taking part✔ for the non-refundable race fee cost, less anyrefunds applicable at the time of the injury, forone event per period of insurance up to £500✘ if you change your mind or have a change ofplans✘ if you were aware of the injury or incident thatforces you to withdraw, prior to entering✘ if you cannot provide a medical report to justifyyour claim, dated within 72 hours of the injuryor cancellation✘ if the event organiser cancels, postpones orreschedules the event✘ for claims for fertility or pregnancy-relatedreasons, unless you suffer complications✘ for claims due to any Government interventionWe are here to help and we’ve got your back! Below are some common reasons we’ve had to decline eventwithdrawal claims.If the event organiser cancels the event, you need to contact them for reimbursement. This isnot covered under your policy.We cannot cover your entry fee if you withdraw due to a niggle, injury or illness that youwere aware of before you paid to enter that event.Your UltimatePolicy Wording✔ for up to £150 for the reasonable cost of a taxifor you and your pedal cycle to travel to youronward destination or insured location, if youcan provide proof the pedal cycle could not berepaired at the breakdown scene✘ if you cannot provide a receipt for your taxi ride✘ if you have a puncture which you can repair atthe scene✘ if you are within 1 mile of your insured locationor onward destination✘ any costs in excess of £150 per single taxi trip✘ any total taxi costs in excess of £450 during theperiod of insuranceWe are here to help and we’ve got your back!You should make every effort to repair punctures at the scene before calling a taxi.✔ This policy will help you if an event which isanother party’s fault:damages your pedal cycle and/or personalproperty in or on it, and/or;injures or kills you whilst on your pedalcycle✔ The insurer will pay your legal costs &expenses up to £100,000 (for all claims arisingfrom or relating to the same original causeincluding the cost of appeals) provided that:1. you have paid the insurance premium2. you keep to the terms of this policy andcooperate fully with us3. the accident happens in the territorial limits4. the claim:i. always has reasonable prospects of successii. is reported to us:during the period of insuranceas soon as possible after the accident5. unless there is a conflict of interest, youalways agree to use the appointed advisorchosen by us before proceedings have been orneed to be issued6. the claim falls under the jurisdiction of acourt in the UK7. you enter into a conditional fee agreement(unless the appointed advisor has entered into acollective conditional fee agreement) wherelegally permitted.The insurer will not cover any claim arising from orrelating to:✘ legal costs & expenses incurred before weaccept a claim or without our written agreement✘ a contract✘ defending any claim other than appeals againstyou✘ an accident that happens before the start of thepolicy✘ fines, penalties or compensation awardedagainst you✘ a group litigation orderUnder no circumstances should you instruct your own lawyer as our legal expenses providerwill not pay any costs incurred without prior agreement.Once your claim is submitted, if an advisor believes the accident is not your fault, we willarrange a legal expert to contact you who will help claim back uninsured losses and includingclaiming compensation for any injuries.Ensure no contact is made with anyone else regarding claiming back your losses orcompensation for personal injury until you hear from us.This policy will pay any otherwise covered claim involving the use of or inability to use a computer, includingdevices such as smart phones, tablets and wearable technology. This cover is subject to all other policy terms.Your UltimatePolicy WordingWhere the insurer’s risk under this policy has increased due to your failure to keep to these conditions theinsurer can cancel your policy, refuse a claim or withdraw from an ongoing claim. The insurer alsoreserves the right to claim back legal costs & expenses from you if this happens.1. Your responsibilitiesYou must:a) tell us immediately of anything that may make it more costly or difficult for the appointed advisor toclaim back lossesb) cooperate fully with us, give the appointed advisor any instructions we require, keep them updatedwith progress of the claim and not hinder themc) take reasonable steps to claim back legal costs & expenses and, where recovered, pay them to theinsurerd) keep legal costs & expenses as low as possiblee) allow the insurer at any time to take over and conduct in your name, any claim2. Freedom to choose an appointed advisora) In certain circumstances as set out in 2. b) below, you may choose an appointed advisor. In all othercases no such right exists and we shall choose the appointed advisor.b) If we agree to start proceedings or there is a conflict of interest, you may choose a suitably qualifiedappointed advisor.c) Where you wish to exercise your right to choose, you should write to us with your preferredrepresentative’s contact details.d) If you dismiss the appointed advisor without good reason, or withdraws from the claim without ourwritten agreement, or if the appointed advisor refuses to continue acting for you with good reason,the cover will end immediately.e) We reserve the right to appoint another appointed representative in accordance with 2. b) and c)above.3. ConsentYou must agree to us having sight of the appointed advisor’s file relating to your claim. You areconsidered to have provided consent to us or our appointed agent to have sight of your file for auditingand quality control purposes.4. Settlementa) The insurer can settle the claim by paying the reasonable value of your claim.b) You must not negotiate, settle the claim or agree to pay legal costs & expenses without our writtenagreement.c) If you refuse to settle the claim following advice to do so from the appointed advisor the insurermay refuse to pay further legal costs & expenses.5. Barrister’s opinionWe may require you to obtain and pay for an opinion from a barrister regarding the merits or value of theclaim. If the opinion supports the you, then the insurer will reimburse the reasonable costs of thatopinion. If that opinion conflicts with advice obtained by us, then the insurer will pay for a final opinionwhich shall be binding on the you and us. This does not affect your right under Condition 6 below.Your UltimatePolicy Wording6. DisputesIf any dispute between you and us arises from this policy, you can make a complaint to us as described inthe Complaints Procedure and we will try to resolve the matter. If we are unable to satisfy your concerns,you can ask the Financial Ombudsman Service to arbitrate over the complaint.7. CancellationYou may cancel this Section of the policy only if you cancel your policy in its entirety.Your UltimatePolicy WordingSection 1-8 of this insurance is Underwritten by AWP P&C SA and administered in the UKby AWP Assistance UK Ltd trading as Allianz Assistance.AWP Assistance UK Ltd is authorised and regulated by the Financial Conduct Authority.AWP P&C SA is authorised and regulated by L’Autorité de Contrôle Prudentiel et deRésolution in France. Deemed authorised by the Prudential Regulation Authority. Subject toregulation by the Financial Conduct Authority and limited regulation by the PrudentialRegulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, areavailable on the Financial Conduct Authority’s website.Section 9 Legal Expenses is administered by ARAG plc under a binding authorityagreement with the insurer SCOR UK Company Limited.The subscribing insurers’ obligations under contracts of insurance to which they subscribeare 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-subscribinginsurer who for any reason does not satisfy all or part of its obligations.We are members of the Financial Services Compensation Scheme (FSCS). You may beentitled to compensation from the scheme if we are unable to meet our liabilities under thisinsurance. This depends on the type of business and the circumstances of the claim. A claimis protected for 90%, without any upper limit. Further information about the compensationscheme arrangements is available from FSCS. Information can be obtained on request or byvisiting the FSCS website at www.fscs.org.uk.Allianz Assistance holds data in accordance with the current data protection regulations andlegislation.Allianz Assistance will use any personal information, including personal sensitiveinformation as defined in the data protection act 2018, for the purpose of dealing with yourclaim. It will also be used, if required, for the purpose of administering and underwritingyour policy, for giving advice and assistance, and to update Allianz Assistance records.For full information on how Allianz Assistance will process your data please visit:www.allianz-assistance.co.uk/privacy-policy-and-cookies/Your UltimatePolicy WordingTo see a copy of how ARAG collect, use, share and store personal information, please seevisit https://www.arag.co.uk/cookie-policy/In order to prevent and detect fraud we draw to your attention in accordance with DataProtection Legislation, the fact that we may at any time record and monitor telephone callsfor the purpose of detecting fraud & deception. We may also pass your details through anynumber of data sharing/fraud prevention agencies such as Hunter and CIFAS.Your Insurance cover details may be added to the Claims and Underwriting ExchangeRegister, run by the Insurance Database Services Ltd and the Insurance Anti-Fraud andTheft Register, run by the Association of British Insurers. It is a condition of your policythat you must tell us about any incident (such as accident or theft) whether or not it givesrise to a claim as soon as possible. We will pass information relating to it on to theseAgencies. If you or anyone acting on your behalf gives us false or inaccurate informationand we suspect fraud, all benefits under this policy will be void. The matter will be recordedwith the above Agencies and pursued in accordance with the law.We may share information about you with our associated and subsidiary companies. Otherorganisations may also use and search these records in their effort to combat fraud andundertake credit searches.The company wishes to make it clear that the vast majority of honest Policyholders suffer asa result of a few. Our aim is to provide the best possible service to the genuine customer.Through the use of these systems and certain interview techniques, we are able to addressfraud in such a manner that enables us to keep premiums competitive.

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Yellow Jersey Performance Bicycle Insurance. What is included: Crash & accidental damage; Theft at or away from home; Theft from vehicle; Vandalism; £2m third party public liability whilst using bikes listed in your schedule (you and your family); £2m third party public liability whilst using any bike (only you); European cover; Cover in transit; Family cover; Sportive and charity events; Cover whilst training; £250 accessories cover with the option to extend; Optional clothing & helmet cover; Taxi reimbursement; Loss of limb £7,500 (annual only); Loss of sight £7,500 (annual only); Death £7,500 (annual only); Permanent total disablement £15,000 (annual only); Dental treatment up to £500 (annual only); Physiotherapy up to £500 (annual only); Legal expenses to claim against the party at fault if you have suffered personal injury, up to £100,000 per claim. What is not included: Worldwide cover; Event withdrawal cover; Cover whilst racing; Theft from triathlon transition; Courier cycling; Emergency pedal cycle hire; Bike box cover; The first 10% of accidental damage, vandalism or theft claims, capped at £100 (policy excess); Claims for any pre-existing illness or injury Any claims for emergency medical care or repatriation after an accident abroad; Claims for marring, scratching, denting or cosmetic damage; Theft away from the insured location if you have used a lock that does not meet our security requirements: Bikes valued £1,500 or more require a Sold Secure Gold or Diamond bicycle lock, bikes valued less than £1,500 require a Sold Secure Silver bicycle lock. The following are restrictions on cover: Individual pedal cycle value is capped at £15,000; The total insured value cannot exceed £50,000; Personal accident cover is excluded for family members under 16 or over 85 years of age, on short term policies, or for any pre-existing condition; Third party liability is excluded for family members under 16 or over 85 years of age; Pedal cycles left unattended away from the insured location, locked to an immovable object for more than 12 hours; Pedal cycles left unattended for more than 1 hour within walking distance of your home are not covered for theft, unless stored in an insured location; Theft or damage to accessories, wheels or helmet & clothing unless the bike is stolen or damaged at the same time; Trips outside of the UK are restricted to Europe, and may not exceed 30 days at a time. Cover applies geographically as follows: Theft, malicious damage, accidental damage, personal accident, taxi reimbursement, and public liability are covered in Europe. Legal expenses are covered in the UK only. Policy Wording: This document is a legally binding contract of insurance between you and us. Complete pre-contractual and contractual information about the product is provided in the schedule and the statement of facts. We agree to insure you under the terms, conditions and exceptions contained in this policy wording, the schedule. You are insured for any liability, loss or damage that occurs during any period of insurance for which you have paid, or agreed topay a premium. This insurance is governed by English law. We’re open Monday to Friday: 9:00pm-5:00pm 0333 003 0046 0333 003 0600 support@yellowjersey.co.uk claims@yellowjersey.co.uk. You should read the claims section of this policy wording before submitting yourclaim. All claims must be submitted via your account on our website. Our in-house team of cycling insurance experts will take it from there.Remember that it is a condition of your policy to provide all information and assistance we may require during the course of our investigations. Failure to do so may result in unnecessary delays and expense being incurred or your claim not being paid.- you may cancel the insurance, without giving reason, by sending us written notice within 14 days of the commencement date or (if later) within 14 days of you receiving your contractual documentation. We will make a charge equal to the period of cover you have had. We will not refund any premium if you have made a claim.– whilst you may cancel this insurance afterthe 14-day cooling off period no refund of premium will be payable. We may cancel the insurance by sending you 7 days’ notice to your last known address. Wewill refund the part of your premium which applies to the remaining period of insurance (aslong as you have not made a claim).Your PerformancePolicy WordingIt is the intention to give you the best possible service but if you do have any questions orconcerns about this insurance or the handling of a claim you should follow the complaintsprocedure below:- Yellow Jersey, Prospero, 73 London Road, Redhill, Surrey, RH1 1LQ |Tel: 0333 003 0046 | Email: support@YellowJersey.co.uk.- Yellow Jersey, Prospero, 73 London Road, Redhill, Surrey, RH1 1LQ | Tel: 0333003 0600 | Email: claims@YellowJersey.co.uk.(SECTION 7) - Customer Relations Department, ARAG plc, 9 WhiteladiesRoad, Clifton, Bristol, BS8 1NN | TEL: 0117 917 1561 | EMAILcustomerrelations@arag.co.uk (hours of operation are 9am - 5pm, Monday to Fridayexcluding bank holidays. For our mutual protection and training purposes, calls may berecorded).If it is not possible to reach an agreement, you have the right to make an appeal to theFinancial Ombudsman Service. This also applies if you are insured in a business capacity andhave an annual turnover of less than £2million and fewer than ten staff.You may contact the Financial Ombudsman Service at: The Financial Ombudsman Service,Exchange Tower, London, E14 9SR | Tel: 0300 123 9 123 | Email: complaint.info@financial-ombudsman.org.uk. The above complaints procedure is in addition to your statutory rightsas a consumer. For further information about your statutory rights contact your localauthority Trading Standards Service or Citizens Advice Bureau.Your PerformancePolicy Wording“ ”hese terms are importantmake sure you understandthemAccident / Accidental A sudden or unexpected crash, fall or impact whilst using ortransporting your pedal cycle which causes damage to you and/oryour pedal cycle during the period of insurance.Accessories Pedal cycle related equipment owned by you and used inconjunction with the pedal cycle, which are not essential to itsoperation, including but not limited to: saddle bags, cycle computers,bottle cages, bottles, clip-on tri-bars.The following are not accessories:✘ upgraded parts (e.g. saddles/wheels/pedals), or componentssuch as power meters should be included as part of the pedalcycle value✘ phones or watches, unless used to record ride GPS data at thetime of the accidentAppointed Advisor The solicitor or other advisor appointed by ARAG to act on behalf ofyou.Approved Lock A lock specified in the Master Locksmiths Association (MLA) ‘SoldSecure’ list of pedal cycle locks which, at the time of purchase, isappropriate to the value of your pedal cycle.Pedal cycle(s) up to the value of £1,500 require a Sold SecureSilver lock;Pedal cycle(s) exceeding a value of £1,500 require a SoldSecure Gold or Diamond lock.✘ Accessory cables supplied with D-locks are not approved locks,and must not be used to secure your pedal cycle to animmovable object.TYour PerformancePolicy WordingBike BoxBodily injuryCollective ConditionalFee AgreementComputer SystemConditional FeeAgreementCourier CyclingDeath or identifiable physical injury resulting solely andindependently from an accident.A legally enforceable agreement entered into on a common basisbetween the appointed advisor and us to pay his or herprofessional fees on the basis of 100% “no-win no-fee”.Any computer hardware, software, communication system orelectronic device (including smartphones, laptops, tablets andwearable devices), server, cloud, microcontroller or similar system(including any associated input, output or data storage device,networking equipment or backup facility).A legally enforceable agreement entered into between you and anappointed advisor for paying their professional fees based on100% “no-win-no-fee”.Cycling to collect or deliver items of any kind in a professionalcontext, including to and from your courier shift. For the avoidanceof doubt, this does not include the carriage of passengers.Cyber Risk Any unauthorised, malicious or illegal act (or the threat of suchan act), involving access to or the processing, use or operation ofany computer system;Any error or omission involving access to or the processing, use,or operation of any computer system;Any partial or total unavailability or failure to access, process,use or operate any computer system; orAny loss of use, reduction in functionality, repair, replacement,restoration or reproduction of any data, including any amountrelating to the value of such data.Deadbolt A lock that can only be moved to a locked position by rotating a key. A spring-loaded latch is not a deadbolt. If you’re in anydoubt, please contact our support team.✘ We do not accept cardboard boxes. Your bike box must be madeof plastic, carbon fibre or metal.Luggage explicitly developed for the carriage of a pedalcycle or pedal cycle wheels, either owned or in your custody, careor control for the carriage of your own pedal cycle or pedalcycle wheels.Your PerformancePolicy WordingExtreme Force This requires the use of power tools or heavy machinery to break orcut a lock or immovable object. Bypassing security measures using simple tools, such as aspanner or knife, would not constitute extreme force.Family Any parents, spouse, partner, son, daughter or siblings, whopermanently live with you.Home The primary residence occupied by you, at the address shown inyour schedule.Helmets and Clothing Any specialist triathlon or cycling articles of clothing includingwetsuits, eyewear, footwear or headgear. You must add this benefit to your policy, it is not coveredautomatically.Immovable a) an object which cannot be undone or removed unless usingextreme forceb) an object from which the pedal cycle cannot be lifted, eitherover or under, without having broken the approved lockc) a securely fixed motor vehicle pedal cycle rack, locked to avehicle, which cannot be undone or removed unless usingextreme forced) a pedal cycle rack supplied expressly to secure pedal cycles,which cannot be undone or removed unless using extreme forceincluding those found at rail stations, city centres and places ofworkInsured Location The locations defined below are the only acceptable locations whereyou can keep the pedal cycle for more than 12 hours at a time:a) within your home or temporary holiday accommodationb) a locked domestic garage, locked outbuilding or locked shedwithin your home’s boundaries or a temporary holidayaccommodation accessed only by you, your family, or personsresiding with youThe following are not approved locations:✘ garage en bloc away from your home✘ sheds or storage units in your front garden, or those easilyaccessed from the street✘ shed or outbuildings with any exposed screws which can beremoved to gain accessYour PerformancePolicy Wordingc) self-contained, lockable room accessed only by you within a hallof residence, boarding school, office or house of multipleoccupancy (HMO).d)a privately-accessed pedal cycle storage unit within theimmediate boundaries of your home, hall of residenceboarding school or house of multiple occupancy (HMO)a hallway in a block of flats with lockable access restricted toresidentsa balcony with lockable entry accessed only by you on thesecond floor or aboveThe following are not approved locations:✘ storage units where your pedal cycle is visible from the outside✘ storage units on a public road or pavement✘ any balcony on the ground or first floor✘ any balcony that is easily accessible to anyone other than you If you’re in any doubt, you should contact our support teamwho will be happy to help.Insured Person The person named in the schedule as the insured.Legal Costs & Expenses a) reasonable legal costs, fees and disbursements reasonably andproportionately incurred by the appointed advisor on theStandard Basis and agreed in advance by us or FixedRecoverable Costs. The term “Standard Basis” can be foundwithin the Court’s Civil Procedure Rules Part 44;b) other side’s costs and disbursements where you have beenordered to pay them or pay them with our agreement.Malicious Damage Intentional damage caused by a third party.Pedal Cycle(s) Any bicycle, tricycle, tandem or trailer cycle (powered by humanpedalling and/or an electric battery with an output not exceeding250w and 15.5 mph) as disclosed on the schedule, including allcomponents, equipment upgrades, or cycle related equipment thatform part of the pedal cycle and are essential to its operation andwhich are owned by you or for which you are legally responsible. We cannot cover electric pedal cycles with motors greaterthan 250w, those that engage the motor without youpedalling or those that can be adjusted above 250w by youYour PerformancePolicy WordingPeriod of Insurance The period for which this policy is in force as shown onthe schedule.Pre-existing condition: a) any respiratory condition (relating to the lungs or breathing), aheart condition, stroke, Crohn’s disease, epilepsy, allergy, orcancer for which you have ever received treatment (includingsurgery, tests or investigations by a doctor or a consultant/specialist or prescribed medication);b) any psychiatric or psychological condition (including anxiety,stress and depression) for which you have suffered which youhave received medical advice or treatment or been prescribedmedication for in the last five years;c) any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic withinthe previous 12 months or for which you are prescribedmedication;d) any disease, illness or injury you are aware of but for which youhave not had a diagnosis.Reasonable Prospects ofSuccessA greater than 50% chance of you successfully pursuing the claimand of enforcing any judgment that might be obtained.Schedule The document showing the details of the insured person, the coverprovided and any additional terms and conditions specified.Small Claims Court A court in England & Wales that hears a claim falling under thesmall claims track in the County Court as defined by Section 26.6 (1)of the Civil Procedure Rules 1999; a court in Scotland that uses thesimple claims procedure as set out by the Courts Reform (Scotland)Act 2014, a court in Northern Ireland where the sum in dispute isless than £3,000.Sum Insured The amount set out on the schedule.Terrorism An act, or the threat of an act, by any person or group of persons,whether acting alone or on behalf of or in connection with anyorganisation or government, that:a) is committed for political, religious, ideological or similarpurposes; andb) is intended to influence any government or to put the public, orany section of the public, in fear; andc) involves violence against one or more persons; orinvolves damage to property; orendangers life other than that of the person committing theaction; orYour PerformancePolicy Wordingcreates a risk to health or safety of the public or a section of thepublic; oris designed to interfere with or to disrupt an electronic system.Unattended Whilst the pedal cycle is not being ridden or held by you oran adult who is entrusted with its safekeeping, for any period oftime.United Kingdom, UK England, Scotland, Wales, the Channel Islands, Isle of Man andNorthern Ireland.Value This may defined by using one of the following circumstances. Allvalues should be in GBP, inclusive of VAT:a) new or second hand pedal cycles should be insured at the priceyou paid, including the sum of any parts or upgrades which youpurchased and which form part of your pedal cycle;b) new or second hand pedal cycle accessories, helmets andclothing should insured for the price you paid;c) for vintage or antique pedal cycles and accessories, which areof particular worth due to their age, style or collectability, thesum shown in any valuation you provide to us, provided thatsuch valuation is less than three years old and has been providedby a vintage cycle retailer or other suitably qualified valuationexpert. If you are unable to provide photos documenting thecondition of the pedal cycle at the time of the valuation, youmust accept our valuation;d) for heavily discounted pedal cycles, the undiscountedreplacement cost at the purchase date for a pedal cycle which,when purchased from new, benefited from a significant and one-off discount. This discount must be visible on purchase receiptfrom a recognised retailer. If you’ve added parts to this since,you should add them at the price paid;e) for custom builds the price you paid for the sum of all the parts,including reasonable labour costs;f) for ex-demo, ex-display or ex-team pedal cycles, you shouldinsure it for the price you paid, including any parts or upgradesyou’ve added;g) for prize or gifted new pedal cycles, new accessories or newhelmets and clothing, RRP at the time of receipt, keepingevidence of the RRP and evidence of gifting. Any parts orupgrades should be added on top;h) for gifted second hand or used pedal cycles, you must agree avalue with us in advance of the inception of your policyotherwise we reserve the right to apply our view of value basedon the pedal cycle’s condition and current market value.Your PerformancePolicy WordingWe/Us/OurYou/YourThe insurers named in the schedule of insurance. For sections 1-6,this refers to Yellow Jersey on behalf of AWP P&C SA (whoseinsurance is administered by AWP Assistance UK Ltd trading asAllianz Assistance). Section 7 refers to ARAG plc on behalf ofSCOR UK Company Limited.The insured person named on the schedule or a member of yourfamily who is a resident of the United Kingdom.Your PerformancePolicy Wording“ ……”his is just a summary – youneed to read the whole thingfor the specifics.Theft Up to the sum insured Yes 10% of the claim, capped at £100If you own a Diamond rated Sold Secure lock, we will waive your excess whilst away from an insured location. You must prove the lock wasused at the time of the theft (e.g. a time stamped photo of the lock when you left your pedal cycle, or the remains of the cut lock)Accidental orMalicious DamageUp to the sum insured Yes 10% of the claim, capped at £100Public Liability £2m✘ Not in USA/CANYes NoHelmet & Clothing Up to the sum insured Optional 10% of the claim, capped at £100Taxi £150 per claim / £450 peryearYes NoLegal Expenses Up to £100,000 UK onlyYes NoPersonal Accident Up to £12,500 Yes NoLeisure Yes Europe Any trip up to 30 daysCommuting Yes Europe Any trip up to 30 daysSportives Yes Europe Any trip up to 30 daysRacing No N/A N/AFamily Cover Yes Europe Any trip up to 30 daysCourier Cycling No N/A N/ATYour PerformancePolicy WordingLocks and security are a crucial aspect of any pedal cycle insurance policy. To make it as easy as possible tounderstand our security criteria, we’ve included this handy guide and illustrations.You must still refer to the relevant theft sections for the full terms and conditions.Whenever you need to use a pedal cycle lock, it must be rated by Sold Secure.If you’re not sure what grade your lock yours is, Sold Secure’s website willtell you. The packaging on the lock typically displays the level too.For pedal cycles over £1,500, you must use a Sold Secure Gold, or Diamond rated lock.For pedal cycles £1,500 or under, you can use a Sold Secure Silver lock.We cannot accept any pedal cycle lock that isn’t rated by Sold Secure, even if a shop or website says thelock is ‘super strong’ or ‘heavy duty’.Accessory cables supplied with D-locks are not approved locks.Flexi-cable or combination locks are not approved locks.✔Secure the approved lock through the frame and bothwheels to an immovable objectTwo approved locks through each wheel andframe to an immovable object✘The D-Lock attached to the immovable object, withonly the accessory cable securing the pedal cycle.The D-lock is only securing the wheel. The framemust be secured to an immovable object.Your PerformancePolicy WordingWhen we refer to deadbolts for your house, flat, shed, garage or outbuilding, this must be a lock that canonly be locked by turning a key. We cannot accept sprung or night latches to secure any external doors.✔ Approved Deadbolt ✔ Approved Deadbolt ✘ Unapproved Latch LockSometimes sheds or outbuildings don’t have deadbolts, and that’s fine. If you usea padlock to secure the doors, this must be a closed shackled padlock, with a CEN3 rating or higher. There must not be any screws on the structure or door that can beremoved to gain access.✔ Security Hinges(no exposed screws)✔ Hasp and Staple(no exposed screws)✘ Unsecured Hinge(exposed screws)✘ Unsecured Latch(exposed screws)✔ Door DefenderGarage DoorsWe get lots of questions about electric or ‘up and over’ garage doors. They’re veryconvenient but also very straightforward to gain access to by forced entry.We’ve tried to standardise and simply our approach to these types of doors.Any electric or ‘up and over’ garage door must beapproved by ‘Secured by Design’, the official policesecurity initiative. There cannot be an external overridecapable of opening the door or shutters either.If your garage door doesn’t meet this criteria, you must either use a door defender(above) or secure the pedal cycles to an immovable object through the frame withan approved lock. Any external security must also be in operation.✘ No external overrideOpenShacklePadlock✔ ✘Your PerformancePolicy WordingOther insurers may have differing views on how to value your items. You may have even had a differentcycling insurance policy in the past.We have a consistent valuation method. Our examples below might help you if you’re unsure after readingthe definitions. Please follow our approach so we can settle your claims fairly.I purchased my bike for £5,000 from a retailer in 2016 and have had no upgrades since; what’s thevalue?The value is £5,000, i.e. the price you paid for it.Remember to include any pedals or upgrades you added at the time of purchase.I purchased my bike for £2,000 from a retailer in 2018 and then spent £1,800 upgrading the wheelsand saddle in 2019; what’s the value?The valuation is the total price paid for the bike and the extra parts, i.e. you paid £2,000, and thenspent £1,800 upgrading the wheels and saddle, you should value it at £3,800.I purchased a bike worth £1,000 RRP for £600 in a sale; what’s the value?It would be best if you insured it for the RRP at the time of purchase, i.e. £1,000. The invoiceshould show the discounted price.I was gifted a bike worth RRP £3,000 in 2019; what’s the value?The value of the bike is the RRP at the time of gifting, i.e. £3,000. This also includes if you won thebike as a prize in a competition. Remember to keep proof of the prize or evidence it was gifted.I purchased an antique bike ridden by Eddy Merckx for £5,000 in 2012; what’s the value?In this instance, you insure the bike for the value that an expert has calculated. You must providephotos of the bike and a copy of the valuation letter less than three years old to verify the value.I built a bike up myself from parts. I paid a total of £4,500 for the frameset, wheelset groupset andfinishing kit from various sources; what’s the value?It would be best to insured it for £4,500 plus a little extra for the labour costs.Your PerformancePolicy WordingI purchased a bike from a friend for £750; what’s the value?If you bought a bike from your friend for £750, you should insure it for £750.Remember to keep a copy of the receiptI bought a bike for £500 on the internet, and then purchased a brand new wheelset for £1,000;what’s the value?You should insure it for £1,500My Aunt gifted me a second-hand bike; what’s the value?If your Aunt has the receipt, e.g., she paid £450 on eBay, you should insure it for £450.If you don’t know the price she paid, speak to our support team in advance to agree on a value.My brother gifted me a second-hand bike, and I’ve since spent £700 upgrading the groupset; what’sthe value?If you know the price paid for the bike, add that to the new parts' price.If you’re in doubt, confirm the value with our support team.I paid £2,500 for an ex-demo / ex-display bike, but it’s worth £5,000 RRP; what’s the value?If you paid £2,500 for an ex-display bike, you should insure it for £2,500. This also includes buyingbikes sold off by race teams at the end of a season.Your PerformancePolicy Wording”“Log into your account on our website to claim online. Once you have submitted the information,our expert claims team will take it from there.For any pedal cycle, accessories, helmet or clothing that is lost or suffers accidental or maliciousdamage we will choose whether to:replace or repair the item or partpay the cost of replacing or repairing the item or part, up to the amount it would have cost usto replace or repair using our suppliers, or as a last resortmake a cash paymentWe won’t pay more than the amount it would have cost us to replace or repair via oursuppliers.We do not have to use any pedal cycle dealer or distributor nominated or selected by you.However, if your preferred pedal cycle dealer or distributor will match the prices available tous and work with us directly, we will consider your request.You must accept that we may appoint a specialist, including carbon restoration experts, toinvestigate, repair and restore any pedal cycle claim on our behalf.You must retain any damaged pedal cycles for inspection unless we have advised otherwise.You must accept that in the event of repair, we are not liable for the loss of warranty.We reserve the right to decline any costs incurred by you before our team approves of yourclaim.If appropriate parts or replacement items are not available, we will pay the item’s full cost,provided the sum insured is adequate.In the event of a partial or total loss, we will request the original parts from you prior tosettlement of replacement parts, accessories or pedal cycles.We reserve the right to request you make use of a manufacturer crash replacement guaranteeif available to you.Pedal cycles are limited to the sum insured shown on your schedule or the pedal cycle’svalue, whichever is less.T he reason you buyinsurance; make sureyou read this bit.Your PerformancePolicy WordingAccessories are limited to the price you paid, capped at the sum insured shown on yourschedule.Additional wheelsets are limited to the sum insured shown on your schedule or thewheelset’s value, whichever is less.The most we will pay is limited to the value of the damaged item(s) claimed for, rather thanup to the full pedal cycle replacement cost as new.We will pay for a maximum of 10 sessions within 90 days of the date you first became awareof the accident that caused your injury, capped at the limit shown in your schedule. We willreimburse for all costs after the 90 day period has ended, or the course of treatment hasended, whichever is sooner.If the sum insured isn’t enough to cover the pedal cycle value, we will reduce any payment in linewith the reduction in insured value.You buy your pedal cycle for £2,000 but insure it for £1,000.It suffers £500 worth of damage in an accident.We would only pay £250 towards the cost, in line with your underinsurance of 50%.You buy your pedal cycle for £2,000 but you only insure it for £1,000.It is stolen.We would pay up to £1,000.You will have to pay any excesses shown in your schedule. If we have asked one of our suppliers todeal with all or part of your claim, we may ask them to collect the excess from you.If one wheel or part of a groupset is damaged (e.g. one shifter), and we can’t repair or replace it withthe same product of similar quality, specification and colour, we will at our discretion:replace the pair of items or set with an equivalent; orpay the cost of replacing the pair of items or set to the amount it would have cost us toreplace the item using our own suppliers.If no equivalent pair of items or set is available, we will pay the RRP at the time of purchase ifpurchased as new, or the current market value for the used part(s) if purchased second hand,providing the sum insured is adequate.If we ask you to, you will have to give up the undamaged parts of the pair or set to us where the fullreplacement cost has been paid.Your PerformancePolicy Wording“ ”his list might seem long, but we think it’s pretty straightforward.We thought we’d lay out our cards now to avoid any surpriseslater on. If you’re in any doubt, please get touch with our friendlysupport team.✘ you cannot provide the receipts (purchase date, the price paid, details of items, name and address ofa seller) for your:pedal cycle, accessories, helmet & clothing, or additional wheelsetsapproved lockpadlocksemergency taxi ridephysio or dental costs✘ you submit your claim more than 28 days after the incident that caused you to claim✘ you have not reported the theft to the police within 24 hours of discovering your pedal cycle isstolen✘ you have not reported damage or theft to an airline within 24hrs of noticing the loss✘ the pedal cycle is being used by anyone other than you and your family✘ you leave a pedal cycle somewhere other than an insured location for more than 12 consecutivehours✘ you are riding a pedal cycle not listed on your schedule (other than Section 5 Public Liability forthe named policyholder only)✘ you cannot reasonably explain how and when the damage or accident occurred✘ your damage claim does not involve accidental damage to the pedal cycle✘ you are using the pedal cycle for any form of race or competition, including when left in atransition zone✘ you are using the pedal cycle for courier cycling✘ you are performing stunts✘ you are a professional cyclist (unless referred and agreed by us in advance)✘ you are cycling for business, other than commuting to and from work (unless referred and agreedby us in advance)✘ you have committed any unlawful acts whilst in control of your pedal cycle✘ damage caused by a professional delivery or courier company, unless securely packed in a bike boxand a receipt obtained✘ loss or damage if you have sold the pedal cycle, or have agreed to sell the pedal cycle, includingduring delivery of the pedal cycle to a new owner✘ you have failed to maintain the pedal cycle in accordance with the manufacturers’ adviceTYour PerformancePolicy Wording“ ”✘ the pedal cycle suffers from a mechanical or electrical breakdown or defect or electronicmalfunction✘ the damage is caused by faulty or defective design, materials or workmanship or latent defect anddefects in the operation✘ the loss is due to a pre-existing condition✘ your bike box is damaged✘ you cannot reasonably explain how and when the theft or loss occurred✘ you leave a pedal cycle somewhere other than an insured location for more than 12 consecutivehours✘ your pedal cycle is stolen within walking distance of your home whilst unattended for more than1 hour, unless stored in an insured location (house, flat, shed, garage etc)✘ you loan or hire the pedal cycle to anyone other than member of your family✘ the pedal cycle is stolen by someone entrusted with it✘ the lock you used is not an approved lock, which includes not using a lock suitable to the cyclevalue of your pedal cycle✘ you cannot demonstrate entry was gained by force, with visible damage to the fabric of the buildingor vehicle at the point of entry, the immovable object or the approved lock✘ a delivery or courier company (other than an airline) is responsible for your pedal cycle at the timeof the loss✘ you leave your pedal cycle in a transition zone for an event or race✘ loss or damage if you have sold the pedal cycle, or have agreed to sell the pedal cycle, includingduring delivery of the pedal cycle to a new owner✘ unlocked wheels or cycle accessories are stolen, unless the whole pedal cycle is stolen in the sameincident✘ if your approved lock does not directly attach the frame to an immovable object where required✘ your bike box is lost or stolenThis policy will never cover the following:✘ natural disasters✘ financial default✘ epidemic or pandemic✘ cyber risks of any kind✘ pollution or threat of pollutant release✘ war, invasion, terrorism, acts of foreign enemies, hostilities (whether or not war has been declared),civil war, rebellion, revolution, insurrection, military or usurped power✘ ionising radiation or contamination by radioactivity from any nuclear fuel, or from any nuclearwaste from burning nuclear fuel✘ radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly ornuclear component thereof✘ pressure waves from aircraft or other aerial devices travelling at supersonic speeds✘ suicide attempted suicide or deliberate injury to yourself or putting yourself in unnecessary danger(unless trying to save human life)✘ solvent use, being under the influence of drugs or alcohol, except those prescribed by a registereddoctor, or drugs which have been prescribed by a registered doctor and not those prescribed for drugaddictionsorry, we didn'tchoose these ones…Your PerformancePolicy Wording✔ your pedal cycle listed on your schedule foraccidental or malicious damage, up to its suminsured✔ your accessories, helmet & clothing andadditional wheelsets, up to their sum insured (ifselected) for accidental and malicious damage✘ any of the cycling exclusions✘ accidental damage without a reasonableexplanation✘ malicious damage for unattended pedal cyclesunless you have adhered to our securityrequirements✘ claims for a frame or wheelset unless there arevisible signs of structural damage✘ any marring, scratching, denting, cosmeticdamage or wear & tear✘ consequential losses arising from an uninsuredevent or damage✘ any costs incurred by you which have not beenauthorised by usWe are here to help and we’ve got your back! Below are some common reasons we’ve had to decline damageclaims:If you want your helmets or clothing covered, you need to add this to your policy. It is notcovered as standard.We will cover your smart phone or smart watch if it is damaged when being used to recordthe GPS of the ride. If it’s just in your pocket, and is incidental to your cycling, we can’t.The onus is on you to demonstrate ownership. The easiest way to do this is to take photos ofthe receipts, or save copies of e-receipts.You must be riding or using your pedal cycle at the time, and notice the damage beingcaused to you or your pedal cycle.Your PerformancePolicy WordingDo not discuss whose fault the accident was or accept any responsibility.Always exchange details with the other drivers/cyclists, including names, addresses,registration numbers and Insurer names and policy numbers.If you have a camera available, and it is safe to do so, take photos of the vehicle positionsbefore they are moved and the vehicle damage, as they may assist with establishing liability.If anybody is injured or you do not exchange details at the scene, then report the matter to thepolice within 24 hours.Do not answer directly to any correspondence received from any representatives of the otherparties involved.Ensure your claim is submitted to Yellow Jersey Claims via the online client area within 28days.All incidents, no matter how minor they may seem should be reported.Your PerformancePolicy WordingTheft of your pedal cycle, wheelsets & accessories when stored inthe following insured locations and you have adhered to our securityrequirements:✔ within your home or temporary holidayaccommodation! This section does not refer to:domestic garages, outbuildings and sheds (seelocation B)houses of multiple occupancy (HMOs) – (seelocation C)! Pedal cycles left unattended for more than 1hour outside anywhere within walkingdistance of your home are not covered fortheft, unless stored in an insured location.all external security devices (e.g. window locksand alarms) must be in operation and every exitdoor must be secured with a deadboltyou must not leave the home unoccupied formore than 30 consecutive days without spendinga night thereyou must not leave your pedal cycle outsidewithin walking distance of your home for morethan 1 hour✔ a locked domestic garage, locked outbuilding orlocked shed within the boundaries of yourhome or temporary holiday accommodation,accessed only by you, your family or personsresiding with youThe following are not approved locations:✘ garage en bloc away from your home✘ sheds in your front garden or those easilyaccessed from the street✘ sheds or outbuildings with any exposedscrews that can be removed to gain access! Pedal cycles which are unattended for morethan 1 hour within your front garden, orwithin walking distance of your home are notcovered for theft.! If you’re in any doubt about your garage,shed or outbuilding, please contact oursupport team.IF all external doors are secured by a deadbolt or aCEN Grade 3 closed shackle padlock, or all garagedoors are approved by the company “Secure byDesign”, pedal cycles do NOT need to be lockedto an immovable objectOTHERWISE pedal cycles must be securedthrough the frame, with an approved lock, toan immovable object within the structureIN ADDITION to external securityrequirements above, every pedal cyclevalued over £1,500 stored in a wooden shedor outbuilding, must be secured through theframe by an approved lock to animmovable objectgarage doors must not have an external overridesheds or outbuildings must not have any exposedscrews which can be removed to gain accessyou must not leave the home unoccupied formore than 30 consecutive days without spendinga night thereyou must not leave your pedal cycle in a shed orstorage unit in your front garden for any periodof timeYour PerformancePolicy Wording✔ a self-contained lockable room accessed only byyou within a university hall of residence,boarding school, office or house of multipleoccupancy (HMO)all external security devices must be in operatione.g., you need to lock your final exit doors, andput your alarm on (if you have one)you must not leave the room unoccupied formore than 30 consecutive days without spendinga night thereyou must not leave your office unoccupied formore than 30 consecutive days without spendinga working day there✔ a privately-accessed pedal cycle storage unitwithin the immediate boundaries of your home,hall of residence, boarding school or house ofmultiple occupancy (HMO)✔ a hallway in a block of flats with lockableaccess restricted to residents✔ a balcony with lockable entry accessed only byyou on the second floor or aboveThe following are not approved locations:✘ storage units where your pedal cycle isvisible from the outside✘ storage units on a public road or pavement✘ any balcony on the ground or first floor✘ any balcony that is easily accessible toanyone other than youpedal cycle(s) must be secured through the frameby an approved lock to an immovable objectwithin the storage unit or hallwaythe pedal cycle must not be visible from theoutside of the storage unitentry to the storage unit must only be gained viathe door, gate or lid lock, with lockable accessrestricted to those who keep pedal cycles withinit.it must not be possible to climb under or over thestorage unit to gain accessyou must not leave the accommodationunoccupied for more than 30 consecutive dayswithout spending a night there! If you’re in any doubt about your storage unit,please contact our support team.We are here to help and we’ve got your back! Below are some common reasons we’ve had to decline theftclaims from home or insured locations:If someone ONLY steals your pedal cycle computer or your lights, we can’t cover that; thewhole pedal cycle must be stolen. When you leave your pedal cycle in any location that isaccessed by anyone other than you or your family, take your accessories with you.Accessory cables supplied with D-locks are not approved locks, and must not be used tosecure your pedal cycle to an immovable object.There is a big difference in the quality of storage units; some are much less secure than othersand are not approved by us. If you’re in any doubt about your storage unit, please contactour support team.Your PerformancePolicy WordingEvery exit door on your home needs one. To close these locks, you have to turn a key, notjust pull the door to on a latch. Dead bolts offer much higher security than a latch, which iswhy we insist on them.If your battery or screen isn’t lockable, you need to take these with you when you lock upyour pedal cycle in any location that is accessed by anyone other than you or your family.We can’t insure these items against theft, if they can be removed without force.Choose your immovable object carefully. A thief would require heavy machinery to break animmovable object, not just a spanner or a knife.You need to lock the pedal cycle frame with an approved lock directly to an immovableobject. If you only lock the wheel, a thief doesn’t need to break to a lock to take the pedalcycle.The onus is on you to demonstrate ownership. The easiest way to do this is to take photos ofthe receipts, or save copies of e-receipts.We only accept Sold Secure rated pedal cycle locks. Whilst pedal cycles under £1,500 canuse a Silver rated lock, we always recommend a Gold or Diamond lock for all pedal cycles.Any pedal cycle over £1,500 must use a Gold or Diamond lock.Your PerformancePolicy Wording✔ you are riding or holding your pedal cycle✔ your pedal cycle is locked to an immovableobject through the frame with an approved lockfor less than 12 consecutive hours✔ your pedal cycle is temporarily locked within avehicle for less than 12 hours since you last droveit, providing all security devices in operation andwindows shut✔ your pedal cycle is lost or stolen when with anairline and you report it to the airline within 24hours of discovering the loss✘ any of the cycling exclusions✘ theft of your pedal cycle when unattendedand not locked with an approved lock✘ theft from a vehicle unless all doors andwindows are shut, and all security devices arein operation. If there is a deadbolt, this mustbe used tooWe are here to help and we’ve got your back! Below are some common reasons we’ve had to decline theftclaims when you’re out and about.Accessory cables supplied with D-locks are not approved locks, and must not be used tosecure your pedal cycle to an immovable object.When locked up away from an insured location, hangars are simply an immovable objectand must only be left for up to 12 hours at a time.You can’t leave your pedal cycle in one place for prolonged periods, but come back to checkon it every 12 hours. Thieves know it’s there, and they will likely return to steal it.If someone just steals your pedal cycle computer or your lights, we can’t insure against that;the whole pedal cycle must be stolen. When you stop at a café or the shops, take youraccessories with you to prevent uninsured theft.If your battery or screen isn’t lockable, you need to take these with you when you lock upyour pedal cycle in any location that is accessed by anyone other than you or your family.We can’t insure these items against theft, if they can be removed without force.Your PerformancePolicy WordingChoose your immovable object carefully. A thief would require heavy machinery to break animmovable object, not just a spanner or a knife.You cannot store your pedal cycle in a vehicle for longer than 12 hours; you cannot checkback in on it to reset the clock. Whenever you are at home, you must remove it from yourvehicle.A pedal cycle rack on the rear or roof of a vehicle is like any other immovable object. Theymust be locked with an approved lock. The rack itself must also be secured to the vehicle. Ifa thief can cut fabric straps to steal your pedal cycle, this is not immovable.You need to lock the pedal cycle frame with an approved lock directly to an immovableobject. If you only lock the wheel, a thief doesn’t need to break to a lock to take the pedalcycle.You can’t leave your pedal cycle locked up outside within walking distance of your homefor more than 1 hour. This includes in or on a vehicle, or within your front garden.The onus is on you to demonstrate ownership. The easiest way to do this is to take photos ofthe receipts, or save copies of e-receipts.We only accept Sold Secure rated pedal cycle locks. Whilst pedal cycles under £1,500 canuse a Silver rated, we always recommend a Gold or Diamond lock for all pedal cycles. Anypedal cycle over £1,500 must use a Gold or Diamond lock.If a thief can ride off with your pedal cycle without you noticing or intervening, you are notattending to it. You should either be riding, or holding your pedal cycle when out and about.Your PerformancePolicy WordingInjuries you sustain in an accident whilst you areusing your pedal cycle up to the sums below:✔ loss of limb being the physical separation of oneor more hands or feet or permanent and total lossof use of one or more hands or feet - £7,500✔ total and irrecoverable loss of sight in both eyes- £7,500✔ death - £7,500✔ Permanent Total Disablement which entirelyprevents you from attending to any remunerativeoccupation following a medical review 12months after the date of disablement - £15,000✔ physiotherapy - £500✔ dental costs - £500✘ any of the cycling exclusions✘ any medical costs, other than physiotherapy ordental costs✘ any physiotherapy or dental costs withoutwritten advice from a medical practitioneradvising that you receive private treatmentrather than utilising care provided by theNational Health Service✘ any physiotherapy or dental costs incurred morethan 3 months after the accident✘ any cosmetic, elective or aesthetic dentaltreatment✘ injuries sustained by any person aged under 16✘ injuries which occur while you are under theeffects of drugs or alcohol at the time of theaccident✘ your death which occurs more than 30 days afterthe accident✘ more than one benefit under this section of coverduring any one period of insuranceWe are here to help and we’ve got your back! Below are some common reasons we’ve had to declinepersonal accident claims.You must be riding a pedal cycle listed on your schedule for the personal accident cover tobe in force.We cannot cover any niggle, injury or illness that you were aware of before this policyincepted.Your PerformancePolicy Wording✔ up to £2,000,000 to cover your legal liability fordamages you have to pay which arises from youruse of or ownership of a pedal cycle if someonemakes a claim against you during the period ofinsurance for:accidental death or illness of, or bodilyinjury to, any personaccidental loss of or damage to property✔ for any costs, expenses, and legal fees to defendyou, if we have agreed this in writingCover for the named policyholder only underthis section also extends to any pedal cycle.✘ legal liability in the United States of America orCanada or their dependencies or trust territories✘ legal liability arising out of the use or ownershipof a pedal cycle by any member of your familyunder age 16 or over 85✘ liability arising from loss or damage to property,which belongs to you or is in your care, custodyor control✘ where you are entitled to indemnity from anothersource✘ any liability arising from your courier cycling✘ when punitive, exemplary or aggravated damagesare awarded against you✘ any liability for bodily injury, loss or damage toyour employees or members of your family orhousehold or to their property✘ anyone being carried on the pedal cycle otherthan youAlways exchange details with the other drivers/cyclists, including names, addresses,registration numbers and insurer names and policy numbers.Obtain witness details, including those of passengers in any vehicle involved.If you have a camera available, and it is safe to do so, take photos of the vehicle positionsbefore they are moved and the vehicle damage, as they may assist with establishing liability.Do not discuss whose fault the accident was or accept any responsibility.If anybody is injured or you do not exchange details at the scene, then report the matter to thepolice within 24 hours.Do not answer directly any correspondence received from any representatives of the otherparties involved.Ensure your claim is submitted to Yellow Jersey Claims via the online client area within 28days.All incidents, no matter how minor they may seem should be reported.Your PerformancePolicy Wording✔ for up to £150 for the reasonable cost of a taxifor you and your pedal cycle to travel to youronward destination or insured location, if youcan provide proof the pedal cycle could not berepaired at the breakdown scene✘ if you cannot provide a receipt for your taxi ride✘ if you have a puncture which you can repair atthe scene✘ if you are within 1 mile of your insured locationor onward destination✘ any costs in excess of £150 per single taxi trip✘ any total taxi costs in excess of £450 during theperiod of insuranceWe are here to help and we’ve got your back!You should make every effort to repair punctures at the scene before calling a taxi.✔ This policy will help you if an event which isanother party’s fault:damages your pedal cycle and/or personalproperty in or on it, and/or;injures or kills you whilst on your pedalcycle✔ The insurer will pay your legal costs &expenses up to £100,000 (for all claims arisingfrom or relating to the same original causeincluding the cost of appeals) provided that:1. you have paid the insurance premium2. you keep to the terms of this policy andcooperate fully with us3. the accident happens in the territorial limits4. the claim:i. always has reasonable prospects of successii. is reported to us:during the period of insuranceas soon as possible after the accident5. unless there is a conflict of interest, youalways agree to use the appointed advisorchosen by us6. the claim falls under the jurisdiction of acourt in the UK7. you enter into a conditional fee agreement(unless the appointed advisor has entered intoa collective conditional fee agreement) wherelegally permitted.The insurer will not cover any claim arising from orrelating to:✘ legal costs & expenses incurred before weaccept a claim or without our written agreement✘ a contract✘ defending any claim other than appeals againstyou✘ an accident that happens before the start of thepolicy✘ fines, penalties or compensation awardedagainst you✘ a group litigation orderUnder no circumstances should you instruct your own lawyer as our legal expenses providerwill not pay any costs incurred without prior agreement.Once your claim is submitted, if an advisor believes the accident is not your fault, we willarrange a legal expert to contact you who will help claim back uninsured losses and includingclaiming compensation for any injuries.Ensure no contact is made with anyone else regarding claiming back your losses orcompensation for personal injury until you hear from us.This policy will pay any otherwise covered claim involving the use of or inability to use a computer, includingdevices such as smart phones, tablets and wearable technology. This cover is subject to all other policy terms.Your PerformancePolicy WordingWhere the insurer’s risk under this policy has increased due to your failure to keep to these conditions theinsurer can cancel your policy, refuse a claim or withdraw from an ongoing claim. The insurer alsoreserves the right to claim back legal costs & expenses from you if this happens.1. Your responsibilitiesYou must:a) tell us immediately of anything that may make it more costly or difficult for the appointed advisor toclaim back lossesb) cooperate fully with us, give the appointed advisor any instructions we require, keep them updatedwith progress of the claim and not hinder themc) take reasonable steps to claim back legal costs & expenses and, where recovered, pay them to theinsurerd) keep legal costs & expenses as low as possiblee) allow the insurer at any time to take over and conduct in your name, any claim2. Freedom to choose an appointed advisora) In certain circumstances as set out in 2. b) below, you may choose an appointed advisor. In all othercases no such right exists and we shall choose the appointed advisor.b) If we agree to start proceedings or there is a conflict of interest, you may choose a suitably qualifiedappointed advisor.c) Where you wish to exercise your right to choose, you should write to us with your preferredrepresentative’s contact details.d) If you dismiss the appointed advisor without good reason, or withdraws from the claim without ourwritten agreement, or if the appointed advisor refuses to continue acting for you with good reason,the cover will end immediately.e) We reserve the right to appoint another appointed representative in accordance with 2. b) and c)above.3. ConsentYou must agree to us having sight of the appointed advisor’s file relating to your claim. You areconsidered to have provided consent to us or our appointed agent to have sight of your file for auditingand quality control purposes.4. Settlementa) The insurer can settle the claim by paying the reasonable value of your claim.b) You must not negotiate, settle the claim or agree to pay legal costs & expenses without our writtenagreement.c) If you refuse to settle the claim following advice to do so from the appointed advisor the insurermay refuse to pay further legal costs & expenses.5. Barrister’s opinionWe may require you to obtain and pay for an opinion from a barrister regarding the merits or value of theclaim. If the opinion supports the you, then the insurer will reimburse the reasonable costs of thatopinion. If that opinion conflicts with advice obtained by us, then the insurer will pay for a final opinionwhich shall be binding on the you and us. This does not affect your right under Condition 6 below.Your PerformancePolicy Wording6. DisputesIf any dispute between you and us arises from this policy, you can make a complaint to us as described inthe Complaints Procedure and we will try to resolve the matter. If we are unable to satisfy your concerns,you can ask the Financial Ombudsman Service to arbitrate over the complaint.7. CancellationYou may cancel this Section of the policy only if you cancel your policy in its entirety.Your PerformancePolicy WordingSection 1-6 of this insurance is Underwritten by AWP P&C SA and administered in the UKby AWP Assistance UK Ltd trading as Allianz Assistance.AWP Assistance UK Ltd is authorised and regulated by the Financial Conduct Authority.AWP P&C SA is authorised and regulated by L’Autorité de Contrôle Prudentiel et deRésolution in France. Deemed authorised by the Prudential Regulation Authority. Subject toregulation by the Financial Conduct Authority and limited regulation by the PrudentialRegulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, areavailable on the Financial Conduct Authority’s website.Section 7 Legal Expenses is administered by ARAG plc under a binding authorityagreement with the insurer SCOR UK Company Limited..The subscribing insurers’ obligations under contracts of insurance to which they subscribeare 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-subscribinginsurer who for any reason does not satisfy all or part of its obligations.We are members of the Financial Services Compensation Scheme (FSCS). You may beentitled to compensation from the scheme if we are unable to meet our liabilities under thisinsurance. This depends on the type of business and the circumstances of the claim. A claimis protected for 90%, without any upper limit. Further information about the compensationscheme arrangements is available from FSCS. Information can be obtained on request or byvisiting the FSCS website at www.fscs.org.uk.Allianz Assistance holds data in accordance with the current data protection regulations andlegislation.Allianz Assistance will use any personal information, including personal sensitiveinformation as defined in the data protection act 2018, for the purpose of dealing with yourclaim. It will also be used, if required, for the purpose of administering and underwritingyour policy, for giving advice and assistance, and to update Allianz Assistance records.For full information on how Allianz Assistance will process your data please visit:www.allianz-assistance.co.uk/privacy-policy-and-cookies/Your PerformancePolicy WordingTo see a copy of how ARAG collect, use, share and store personal information, please seevisit https://www.arag.co.uk/cookie-policy/In order to prevent and detect fraud we draw to your attention in accordance with DataProtection Legislation, the fact that we may at any time record and monitor telephone callsfor the purpose of detecting fraud & deception. We may also pass your details through anynumber of data sharing/fraud prevention agencies such as Hunter and CIFAS.Your Insurance cover details may be added to the Claims and Underwriting ExchangeRegister, run by the Insurance Database Services Ltd and the Insurance Anti-Fraud andTheft Register, run by the Association of British Insurers. It is a condition of your policythat you must tell us about any incident (such as accident or theft) whether or not it givesrise to a claim as soon as possible. We will pass information relating to it on to theseAgencies. If you or anyone acting on your behalf gives us false or inaccurate informationand we suspect fraud, all benefits under this policy will be void. The matter will be recordedwith the above Agencies and pursued in accordance with the law.We may share information about you with our associated and subsidiary companies. Otherorganisations may also use and search these records in their effort to combat fraud andundertake credit searches.The company wishes to make it clear that the vast majority of honest Policyholders suffer asa result of a few. Our aim is to provide the best possible service to the genuine customer.Through the use of these systems and certain interview techniques, we are able to addressfraud in such a manner that enables us to keep premiums competitive.

https://www.yellowjersey.co.uk

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Yellow Jersey Essentials Bicycle Insurance Policy. What is insured: Crash & accidental damage; Theft at or away from home; Theft from vehicle; Vandalism; £2m third party public liability; Family cover; Cover whilst training; £250 Accessories cover with the option to extend; Optional clothing & helmet cover; Loss of limb £5,000; Loss of sight £5,000; Death £5,000; Permanent disablement £10,000; Dental treatment up to £250; Physiotherapy up to £250; Legal expenses to claim against the party at fault if you have suffered personal injury, up to £100,000 per claim. What is not included: Cover outside the UK; Cover in transit; Cover whilst participating in a sportive or charity event; Courier cycling; Claims for marring, scratching, denting or cosmetic damage; Event withdrawal; Cover whilst racing; Theft from transition zone; Emergency pedal cycle hire; Taxi reimbursement; Bike box cover; The first 10% of accidental damage, vandalism or theft claims, capped at £100 (policy excess); Theft away from the insured location if you have used a lock that does not meet our security requirements: Bikes valued £1,500 or more require a Sold Secure Gold or Diamond bicycle lock, bikes valued less than £1,500 require a Sold Secure Silver bicycle lock; Third party public liability claims whilst riding any bicycle not listed in your schedule. The following are restrictions on cover: Individual pedal cycle value is capped at £15,000; The total insured value cannot exceed £50,000; Personal accident cover is excluded for family members under 16 or over 85 years of age, and for any pre-existing condition; Third party liability is excluded for family members under 16 or over 85 years of age; Pedal cycles left unattended away from the insured location, locked to an immovable object for more than 12 hours. Pedal cycles left unattended for more than 1 hour within walking distance of your home are not covered for theft, unless stored in an insured location. Theft or damage to accessories, wheels or helmet & clothing unless the bike is stolen or damaged at the same time; Cover is restricted to the UK only. The policy holder is covered in the UK only. Wording: This document is a legally binding contract of insurance between you and us. Complete pre-contractual and contractual information about the product is provided in the schedule and thestatement of facts. We agree to insure you under the terms, conditions and exceptionscontained in this policy wording, the schedule. You are insured for any liability, loss ordamage that occurs during any period of insurance for which you have paid, or agreed topay a premium. This insurance is governed by English law.We’re open Monday to Friday: 9:00pm-5:00pm0333 003 0046 0333 003 0600support@yellowjersey.co.uk claims@yellowjersey.co.ukYou should read the claims section of this policy wording before submitting yourclaim.All claims must be submitted via your account on our website.Our in-house team of cycling insurance experts will take it from there.Remember that it is a condition of your policy to provide all information andassistance we may require during the course of our investigations.Failure to do so may result in unnecessary delays and expense being incurred or yourclaim not being paid.- you may cancel the insurance, withoutgiving reason, by sending us written notice within 14 days of the commencement date or (iflater) within 14 days of you receiving your contractual documentation. We will make acharge equal to the period of cover you have had. We will not refund any premium if youhave made a claim.– whilst you may cancel this insurance afterthe 14-day cooling off period no refund of premium will be payable.We may cancel the insurance by sending you 7 days’ notice to your last known address. Wewill refund the part of your premium which applies to the remaining period of insurance (aslong as you have not made a claim).Your EssentialsPolicy WordingIt is the intention to give you the best possible service but if you do have any questions orconcerns about this insurance or the handling of a claim you should follow the complaintsprocedure below:- Yellow Jersey, Prospero, 73 London Road, Redhill, Surrey, RH1 1LQ |Tel: 0333 003 0046 | Email: support@YellowJersey.co.uk.- Yellow Jersey, Prospero, 73 London Road, Redhill, Surrey, RH1 1LQ | Tel: 0333003 0600 | Email: claims@YellowJersey.co.uk.(SECTION 6) - Customer Relations Department, ARAG plc, 9 WhiteladiesRoad, Clifton, Bristol, BS8 1NN | TEL: 0117 917 1561 | EMAILcustomerrelations@arag.co.uk (hours of operation are 9am - 5pm, Monday to Fridayexcluding bank holidays. For our mutual protection and training purposes, calls may berecorded).If it is not possible to reach an agreement, you have the right to make an appeal to theFinancial Ombudsman Service. This also applies if you are insured in a business capacity andhave an annual turnover of less than £2million and fewer than ten staff.You may contact the Financial Ombudsman Service at: The Financial Ombudsman Service,Exchange Tower, London, E14 9SR | Tel: 0300 123 9 123 | Email: complaint.info@financial-ombudsman.org.uk. The above complaints procedure is in addition to your statutory rightsas a consumer. For further information about your statutory rights contact your localauthority Trading Standards Service or Citizens Advice Bureau.Your EssentialsPolicy Wording“ ”hese terms are importantmake sure you understandthemAccident / Accidental A sudden or unexpected crash, fall or impact whilst using ortransporting your pedal cycle which causes damage to you and/oryour pedal cycle during the period of insurance.Accessories Pedal cycle related equipment owned by you and used inconjunction with the pedal cycle, which are not essential to itsoperation, including but not limited to: saddle bags, cycle computers,bottle cages, bottles, clip-on tri-bars.The following are not accessories:✘ upgraded parts (e.g. saddles/wheels/pedals), or componentssuch as power meters should be included as part of the pedalcycle value✘ phones or watches, unless used to record ride GPS data at thetime of the accidentAppointed Advisor The solicitor or other advisor appointed by ARAG to act on behalf ofyou.Approved Lock A lock specified in the Master Locksmiths Association (MLA) ‘SoldSecure’ list of pedal cycle locks which, at the time of purchase, isappropriate to the value of your pedal cycle.Pedal cycle(s) up to the value of £1,500 require a Sold SecureSilver lock;Pedal cycle(s) exceeding a value of £1,500 require a SoldSecure Gold or Diamond lock.✘ Accessory cables supplied with D-locks are not approved locks,and must not be used to secure your pedal cycle to animmovable object.TYour EssentialsPolicy WordingDeath or identifiable physical injury resulting solely andindependently from an accident.A legally enforceable agreement entered into on a common basisbetween the appointed advisor and us to pay his or herprofessional fees on the basis of 100% no-win no-fee.Any computer hardware, software, communication system orelectronic device (including smartphones, laptops, tablets andwearable devices), server, cloud, microcontroller or similar system(including any associated input, output or data storage device,networking equipment or backup facility).A legally enforceable agreement entered into between you and anappointed advisor for paying their professional fees based on100% “no-win-no-fee”.Cycling to collect or deliver items of any kind in a professionalcontext, including to and from your courier shift. For the avoidanceof doubt, this does not include the carriage of passengers.Any unauthorised, malicious or illegal act (or the threat of suchan act), involving access to or the processing, use or operation ofany computer system;Any error or omission involving access to or the processing, use,or operation of any computer system;Any partial or total unavailability or failure to access, process,use or operate any computer system; orAny loss of use, reduction in functionality, repair, replacement,restoration or reproduction of any data, including any amountrelating to the value of such data.Bike BoxBodily injuryCollective ConditionalFee AgreementComputer SystemConditional FeeAgreementCourier CyclingCyber RiskDeadbolt A lock that can only be moved to a locked position by rotating a key. A spring-loaded latch is not a deadbolt. If you’re in anydoubt, please contact our support team.✘ We do not accept cardboard boxes. Your bike box must be madeof plastic, carbon fibre or metal.Luggage explicitly developed for the carriage of a pedalcycle or pedal cycle wheels, either owned or in your custody, careor control for the carriage of your own pedal cycle or pedalcycle wheels.Your EssentialsPolicy WordingExtreme Force This requires the use of power tools or heavy machinery to break orcut a lock or immovable object. Bypassing security measures using simple tools, such as aspanner or knife, would not constitute extreme force.Family Any parents, spouse, partner, son, daughter or siblings, whopermanently live with you.Home The primary residence occupied by you, at the address shown inyour schedule.Helmets and Clothing Any specialist triathlon or cycling articles of clothing includingwetsuits, eyewear, footwear or headgear. You must add this benefit to your policy, it is not coveredautomatically.Immovable a) an object which cannot be undone or removed unless usingextreme forceb) an object from which the pedal cycle cannot be lifted, eitherover or under, without having broken the approved lockc) a securely fixed motor vehicle pedal cycle rack, locked to avehicle, which cannot be undone or removed unless usingextreme forced) a pedal cycle rack supplied expressly to secure pedal cycles,which cannot be undone or removed unless using extreme forceincluding those found at rail stations, city centres and places ofworkYour EssentialsPolicy WordingInsured Location The locations defined below are the only acceptable locations whereyou can keep the pedal cycle for more than 12 hours at a time:a) within your home or temporary holiday accommodationb) a locked domestic garage, locked outbuilding or locked shedwithin your home’s boundaries or a temporary holidayaccommodation accessed only by you, your family, or personsresiding with youThe following are not approved locations:✘ garage en bloc away from your home✘ sheds or storage units in your front garden, or those easilyaccessed from the street✘ shed or outbuildings with any exposed screws which can beremoved to gain accessc) self-contained, lockable room accessed only by you within a hallof residence, boarding school, office or house of multipleoccupancy (HMO).d)a privately-accessed pedal cycle storage unit within theimmediate boundaries of your home, hall of residenceboarding school or house of multiple occupancy (HMO)a hallway in a block of flats with lockable access restricted toresidentsa balcony with lockable entry accessed only by you on thesecond floor or aboveThe following are not approved locations:✘ storage units where your pedal cycle is visible from the outside✘ storage units on a public road or pavement✘ any balcony on the ground or first floor✘ any balcony that is easily accessible to anyone other than you If you’re in any doubt, you should contact our support teamwho will be happy to help.Insured Person The person named in the schedule as the insured.Legal Costs & Expenses a) reasonable legal costs, fees and disbursements reasonably andproportionately incurred by the appointed advisor on theStandard Basis and agreed in advance by us or FixedRecoverable Costs. The term “Standard Basis” can be foundwithin the Court’s Civil Procedure Rules Part 44;b) other side’s costs and disbursements where you have beenordered to pay them or pay them with our agreement.Your EssentialsPolicy WordingMalicious Damage The intentional damage caused by a third party.Pedal Cycle(s) Any bicycle, tricycle, tandem or trailer cycle (powered by humanpedalling and/or an electric battery with an output not exceeding250w and 15.5 mph) as disclosed on the schedule, including allcomponents, equipment upgrades, or cycle related equipment thatform part of the pedal cycle and are essential to its operation andwhich are owned by you or for which you are legally responsible. We cannot cover electric pedal cycles with motors greaterthan 250w, those that engage the motor without youpedalling or those that can be adjusted above 250w by youPeriod of Insurance The period for which this policy is in force as shown onthe schedule.Pre-existing condition: a) any respiratory condition (relating to the lungs or breathing), aheart condition, stroke, Crohn’s disease, epilepsy, allergy, orcancer for which you have ever received treatment (includingsurgery, tests or investigations by a doctor or a consultant/specialist or prescribed medication);b) any psychiatric or psychological condition (including anxiety,stress and depression) for which you have suffered which youhave received medical advice or treatment or been prescribedmedication for in the last five years;c) any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic withinthe previous 12 months or for which you are prescribedmedication;d) any disease, illness or injury you are aware of but for which youhave not had a diagnosis.Reasonable Prospects ofSuccessScheduleA greater than 50% chance of you successfully pursuing the claimand of enforcing any judgment that might be obtained.The document showing the details of the insured person, the coverprovided and additional terms and conditions specified.Your EssentialsPolicy WordingSum Insured The amount set out on the schedule.Terrorism An act, or the threat of an act, by any person or group of persons,whether acting alone or on behalf of or in connection with anyorganisation or government, that:a) is committed for political, religious, ideological or similarpurposes; andb) is intended to influence any government or to put the public, orany section of the public, in fear; andc) involves violence against one or more persons; orinvolves damage to property; orendangers life other than that of the person committing theaction; orcreates a risk to health or safety of the public or a section of thepublic; oris designed to interfere with or to disrupt an electronic system.Unattended Whilst the pedal cycle is not being ridden or held by you oran adult who is entrusted with its safekeeping, for any period oftime.United Kingdom, UK England, Scotland, Wales, the Channel Islands, Isle of Man andNorthern Ireland.Value This may defined by using one of the following circumstances. Allvalues should be in GBP, inclusive of VAT:a) new or second hand pedal cycles should be insured at the priceyou paid, including the sum of any parts or upgrades which youpurchased and which form part of your pedal cycle;b) new or second hand pedal cycle accessories, helmets andclothing should insured for the price you paid;c) for vintage or antique pedal cycles and accessories, which areof particular worth due to their age, style or collectability, thesum shown in any valuation you provide to us, provided thatsuch valuation is less than three years old and has been providedby a vintage cycle retailer or other suitably qualified valuationexpert. If you are unable to provide photos documenting thecondition of the pedal cycle at the time of the valuation, youmust accept our valuation;d) for heavily discounted pedal cycles, the undiscountedreplacement cost at the purchase date for a pedal cycle which,when purchased from new, benefited from a significant and one-off discount. This discount must be visible on purchase receiptfrom a recognised retailer. If you’ve added parts to this since,you should add them at the price paid;Your EssentialsPolicy Wordinge) for custom builds the price you paid for the sum of all the parts,including reasonable labour costs;f) for ex-demo, ex-display or ex-team pedal cycles, you shouldinsure it for the price you paid, including any parts or upgradesyou’ve added;g) for prize or gifted new pedal cycles, new accessories or newhelmets and clothing, RRP at the time of receipt, keepingevidence of the RRP and evidence of gifting. Any parts orupgrades should be added on top;h) for gifted second hand or used pedal cycles, you must agree avalue with us in advance of the inception of your policyotherwise we reserve the right to apply our view of value basedon the pedal cycle’s condition and current market value.We/Us/OurYou/YourThe insurers named in the schedule of insurance. For sections 1-5,this refers to Yellow Jersey on behalf of AWP P&C SA (whoseinsurance is administered by AWP Assistance UK Ltd trading asAllianz Assistance). Section 6 refers to ARAG plc on behalf ofSCOR UK Company Limited.The insured person named on the schedule or a member of yourfamily who is a resident of the United Kingdom.Your EssentialsPolicy Wording“ ……”his is just a summary – youneed to read the whole thingfor the specifics.Theft Up to the sum insured Yes 10% of the claim, capped at £100If you own a Diamond rated Sold Secure lock, we will waive your excess whilst away from an insured location. You must prove the lock wasused at the time of the theft (e.g. a time stamped photo of the lock when you left your pedal cycle, or the remains of the cut lock)Accidental orMalicious DamageUp to the sum insured Yes 10% of the claim, capped at £100Public Liability £2m✘ Not in USA/CANYes NoHelmet & Clothing Up to the sum insured Optional 10% of the claim, capped at £100Legal Expenses Up to £100,000 UK onlyYes NoPersonal Accident Up to £10,000 Yes NoLeisure Yes UK N/ACommuting Yes UK N/ASportives No N/A N/ARacing No N/A N/AFamily Cover Yes UK N/ACourier Cycling No N/A N/ATYour EssentialsPolicy WordingLocks and security are a crucial aspect of any pedal cycle insurance policy. To make it as easy as possible tounderstand our security criteria, we’ve included this handy guide and illustrations.You must still refer to the relevant theft sections for the full terms and conditions.Whenever you need to use a pedal cycle lock, it must be rated by Sold Secure.If you’re not sure what grade your lock yours is, Sold Secure’s website willtell you. The packaging on the lock typically displays the level too.For pedal cycles over £1,500, you must use a Sold Secure Gold, or Diamond rated lock.For pedal cycles £1,500 or under, you can use a Sold Secure Silver lock.We cannot accept any pedal cycle lock that isn’t rated by Sold Secure, even if a shop or website says thelock is ‘super strong’ or ‘heavy duty’.Accessory cables supplied with D-locks are not approved locks.Flexi-cable or combination locks are not approved locks.✔Secure the approved lock through the frame and bothwheels to an immovable objectTwo approved locks through each wheel andframe to an immovable object✘The D-Lock attached to the immovable object, withonly the accessory cable securing the pedal cycle.The D-lock is only securing the wheel. The framemust be secured to an immovable object.Your EssentialsPolicy WordingWhen we refer to deadbolts for your house, flat, shed, garage or outbuilding, this must be a lock that canonly be locked by turning a key. We cannot accept sprung or night latches to secure any external doors.✔ Approved Deadbolt ✔ Approved Deadbolt ✘ Unapproved Latch LockSometimes sheds or outbuildings don’t have deadbolts, and that’s fine. If you usea padlock to secure the doors, this must be a closed shackled padlock, with a CEN3 rating or higher. There must not be any screws on the structure or door that can beremoved to gain access.✔ Security Hinges(no exposed screws)✔ Hasp and Staple(no exposed screws)✘ Unsecured Hinge(exposed screws)✘ Unsecured Latch(exposed screws)✔ Door DefenderGarage DoorsWe get lots of questions about electric or ‘up and over’ garage doors. They’re veryconvenient but also very straightforward to gain access to by forced entry.We’ve tried to standardise and simply our approach to these types of doors.Any electric or ‘up and over’ garage door must beapproved by ‘Secured by Design’, the official policesecurity initiative. There cannot be an external overridecapable of opening the door or shutters either.If your garage door doesn’t meet this criteria, you must either use a door defender(above) or secure the pedal cycles to an immovable object through the frame withan approved lock. Any external security must also be in operation.✘ No external overrideOpenShacklePadlock✔ ✘Your EssentialsPolicy WordingOther insurers may have differing views on how to value your items. You may have even had a differentcycling insurance policy in the past.We have a consistent valuation method. Our examples below might help you if you’re unsure after readingthe definitions. Please follow our approach so we can settle your claims fairly.I purchased my bike for £5,000 from a retailer in 2016 and have had no upgrades since; what’s thevalue?The value is £5,000, i.e. the price you paid for it.Remember to include any pedals or upgrades you added at the time of purchase.I purchased my bike for £2,000 from a retailer in 2018 and then spent £1,800 upgrading the wheelsand saddle in 2019; what’s the value?The valuation is the total price paid for the bike and the extra parts, i.e. you paid £2,000, and thenspent £1,800 upgrading the wheels and saddle, you should value it at £3,800.I purchased a bike worth £1,000 RRP for £600 in a sale; what’s the value?It would be best if you insured it for the RRP at the time of purchase, i.e. £1,000. The invoiceshould show the discounted price.I was gifted a bike worth RRP £3,000 in 2019; what’s the value?The value of the bike is the RRP at the time of gifting, i.e. £3,000. This also includes if you won thebike as a prize in a competition. Remember to keep proof of the prize or evidence it was gifted.I purchased an antique bike ridden by Eddy Merckx for £5,000 in 2012; what’s the value?In this instance, you insure the bike for the value that an expert has calculated. You must providephotos of the bike and a copy of the valuation letter less than three years old to verify the value.I built a bike up myself from parts. I paid a total of £4,500 for the frameset, wheelset groupset andfinishing kit from various sources; what’s the value?It would be best to insured it for £4,500 plus a little extra for the labour costs.Your EssentialsPolicy WordingI purchased a bike from a friend for £750; what’s the value?If you bought a bike from your friend for £750, you should insure it for £750.Remember to keep a copy of the receiptI bought a bike for £500 on the internet, and then purchased a brand new wheelset for £1,000;what’s the value?You should insure it for £1,500My Aunt gifted me a second-hand bike; what’s the value?If your Aunt has the receipt, e.g., she paid £450 on eBay, you should insure it for £450.If you don’t know the price she paid, speak to our support team in advance to agree on a value.My brother gifted me a second-hand bike, and I’ve since spent £700 upgrading the groupset; what’sthe value?If you know the price paid for the bike, add that to the new parts' price.If you’re in doubt, confirm the value with our support team.I paid £2,500 for an ex-demo / ex-display bike, but it’s worth £5,000 RRP; what’s the value?If you paid £2,500 for an ex-display bike, you should insure it for £2,500. This also includes buyingbikes sold off by race teams at the end of a season.Your EssentialsPolicy Wording”“Log into your account on our website to claim online. Once you have submitted the information, ourexpert claims team will take it from there.For any pedal cycle, accessories helmet or clothing that is lost or suffers accidental or maliciousdamage we will choose whether to:replace or repair the item or partpay the cost of replacing or repairing the item or part, up to the amount it would have cost usto replace or repair using our suppliers, or as a last resortmake a cash paymentWe won’t pay more than the amount it would have cost us to replace or repair via oursuppliers.We do not have to use any pedal cycle dealer or distributor nominated or selected by you.However, if your preferred pedal cycle dealer or distributor will match the prices available tous and work with us directly, we will consider your request.You must accept that we may appoint a specialist, including carbon restoration experts, toinvestigate, repair and restore any pedal cycle claim on our behalf.You must retain any damaged pedal cycles for inspection unless we have advised otherwise.You must accept that in the event of repair, we are not liable for the loss of warranty.We reserve the right to decline any costs incurred by you before our team approves of yourclaim.If appropriate parts or replacement items are not available, we will pay the item’s full cost,provided the sum insured is adequate.In the event of a partial or total loss, we will request the original parts from you prior tosettlement of replacement parts, accessories or pedal cycles.We reserve the right to request you make use of a manufacturer crash replacement guaranteeif available to you.Pedal cycles are limited to the sum insured shown on your schedule or the pedal cycle’svalue, whichever is less.Accessories are limited to the price you paid, capped at the sum insured shown on yourschedule.T he reason you buyinsurance; make sureyou read this bit.Your EssentialsPolicy WordingAdditional wheelsets are limited to the sum insured shown on your schedule or thewheelset’s value, whichever is less.The most we will pay is limited to the value of the damaged item(s) claimed for, rather thanup to the full pedal cycle replacement cost as new.We will pay for a maximum of 10 sessions within 90 days of the date you first became awareof the accident that caused your injury, capped at the limit shown in your schedule. We willreimburse for all costs after the 90 day period has ended, or the course of treatment hasended, whichever is sooner.If the sum insured isn’t enough to cover the pedal cycle value, we will reduce any payment in linewith the reduction in insured value.You buy your pedal cycle for £2,000 but insure it for £1,000.It suffers £500 worth of damage in an accident.We would only pay £250 towards the cost, in line with your underinsurance of 50%.You buy your pedal cycle for £2,000 but you only insure it for £1,000.It is stolen.We would pay up to £1,000.You will have to pay any excesses shown in your schedule. If we have asked one of our suppliers todeal with all or part of your claim, we may ask them to collect the excess from you.If one wheel or part of a groupset is damaged (e.g. one shifter), and we can’t repair or replace it withthe same product of similar quality, specification and colour, we will at our discretion:replace the pair of items or set with an equivalent; orpay the cost of replacing the pair of items or set to the amount it would have cost us toreplace the item using our own suppliers.If no equivalent pair of items or set is available, we will pay the RRP at the time of purchase ifpurchased as new, or the current market value for the used part(s) if purchased second hand,providing the sum insured is adequate.If we ask you to, you will have to give up the undamaged parts of the pair or set to us where the fullreplacement cost has been paid.Your EssentialsPolicy Wording“ ”his list might seem long, but we think it’s pretty straightforward.We thought we’d lay out our cards now to avoid any surpriseslater on. If you’re in any doubt, please get touch with our friendlysupport team.✘ you cannot provide the receipts (purchase date, the price paid, details of items, name and addressof a seller) for your:pedal cycle, accessories, helmet & clothing, or additional wheelsetsapproved lockpadlocksphysio or dental costs✘ you submit your claim more than 28 days after the incident that caused you to claim✘ you have not reported the theft to the police within 24 hours of discovering your pedal cycle isstolen✘ the pedal cycle is being used by anyone other than you and your family✘ you leave a pedal cycle somewhere other than an insured location for more than 12 consecutivehours✘ you are riding a pedal cycle not listed on your schedule✘ you cannot reasonably explain how and when the damage or accident occurred✘ your damage claim does not involve accidental damage to the pedal cycle✘ you are using the pedal cycle for any form of event, sportive, race or competition, includingwhen left in a transition zone✘ you are using the pedal cycle for courier cycling✘ you are performing stunts✘ you are a professional cyclist (unless referred and agreed by us in advance)✘ you are cycling for business, other than commuting to and from work (unless referred andagreed by us in advance)✘ you have committed any unlawful acts whilst in control of your pedal cycle✘ loss or damage if you have sold the pedal cycle, or have agreed to sell the pedal cycle, includingduring delivery of the pedal cycle to a new owner✘ you have failed to maintain the pedal cycle in accordance with the manufacturers’ advice✘ the pedal cycle suffers from a mechanical or electrical breakdown or defect or electronicmalfunction✘ the damage is caused by faulty or defective design, materials or workmanship or latent defectand defects in the operationTYour EssentialsPolicy Wording“ ”✘ the loss is due to a pre-existing condition✘ your bike box is damaged✘ any damage sustained whilst in transit (including by a courier or airline)✘ you cannot reasonably explain how and when the theft or loss occurred✘ you leave a pedal cycle somewhere other than an insured location for more than 12 consecutivehours✘ your pedal cycle is stolen within walking distance of your home whilst unattended for morethan 1 hour, unless stored in an insured location (house, flat, shed, garage etc)✘ you loan or hire the pedal cycle to anyone other than member of your family✘ the pedal cycle is stolen by someone entrusted with it✘ the lock you used is not an approved lock, which includes not using a lock suitable to the cyclevalue of your pedal cycle✘ you cannot demonstrate entry was gained by force, with visible damage to the fabric of thebuilding or vehicle at the point of entry, the immovable object or the approved lock✘ you leave your pedal cycle in a transition zone for an event or race✘ loss or damage if you have sold the pedal cycle, or have agreed to sell the pedal cycle, includingduring delivery of the pedal cycle to a new owner✘ unlocked wheels or cycle accessories are stolen, unless the whole pedal cycle is stolen in thesame incident✘ if your approved lock does not directly attach the frame to an immovable object whererequired✘ your bike box is lost or stolen✘ any loss or theft sustained whilst in transit (including by a courier or airline)This policy will never cover the following:✘ natural disasters✘ financial default✘ epidemic or pandemic✘ cyber risks of any kind✘ pollution or threat of pollutant release✘ war, invasion, terrorism, acts of foreign enemies, hostilities (whether or not war has beendeclared), civil war, rebellion, revolution, insurrection, military or usurped power✘ ionising radiation or contamination by radioactivity from any nuclear fuel, or from any nuclearwaste from burning nuclear fuel✘ radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly ornuclear component thereof✘ pressure waves from aircraft or other aerial devices travelling at supersonic speeds✘ solvent use, being under the influence of drugs or alcohol, except those prescribed by a registereddoctor, or drugs which have been prescribed by a registered doctor and not those prescribed fordrug addiction✘ suicide attempted suicide or deliberate injury to yourself or putting yourself in unnecessarydanger (unless trying to save human life)sorry, we didn'tchoose these ones…Your EssentialsPolicy Wording✔ your pedal cycle listed on your schedule foraccidental or malicious damage, up to its suminsured✔ your accessories, helmet & clothing, andadditional wheelsets up to their sum insured (ifselected) for accidental and malicious damage✘ any of the cycling exclusions✘ accidental damage without a reasonableexplanation✘ malicious damage for unattended pedal cyclesunless you have adhered to our securityrequirements✘ claims for a frame or wheelset unless there arevisible signs of structural damage✘ any marring, scratching, denting ,cosmeticdamage or wear & tear✘ consequential losses arising from an uninsuredevent or damage✘ any costs incurred by you which have not beenauthorised by usWe are here to help and we’ve got your back! Below are some common reasons we’ve had to decline damageclaims:If you want your helmets or clothing covered, you need to add this to your policy. It is notcovered as standard.We will cover your smart phone or smart watch if it is damaged when being used to recordthe GPS of the ride. If it’s just in your pocket, and is incidental to your cycling, we can’t.The onus is on you to demonstrate ownership. The easiest way to do this is to take photos ofthe receipts, or save copies of e-receipts.You must be riding or using your pedal cycle at the time, and notice the damage beingcaused to you or your pedal cycle.Your EssentialsPolicy WordingDo not discuss whose fault the accident was or accept any responsibility.Always exchange details with the other drivers/cyclists, including names, addresses,registration numbers and Insurer names and policy numbers.If you have a camera available, and it is safe to do so, take photos of the vehicle positionsbefore they are moved and the vehicle damage, as they may assist with establishing liability.If anybody is injured or you do not exchange details at the scene, then report the matter to thepolice within 24 hours.Do not answer directly to any correspondence received from any representatives of the otherparties involved.Ensure your claim is submitted to Yellow Jersey Claims via the online client area within 28days.All incidents, no matter how minor they may seem should be reported.Your EssentialsPolicy WordingTheft of your pedal cycle, wheelsets & accessories when stored inthe following insured locations and you have adhered to our securityrequirements:✔ within your home or temporary holidayaccommodation! This section does not refer to:domestic garages, outbuildings and sheds (seelocation B)houses of multiple occupancy (HMOs) – (seelocation C)! Pedal cycles left unattended for more than 1hour outside anywhere within walkingdistance of your home are not covered fortheft, unless stored in an insured location.all external security devices (e.g. window locksand alarms) must be in operation and every exitdoor must be secured with a deadboltyou must not leave the home unoccupied formore than 30 consecutive days without spendinga night thereyou must not leave your pedal cycle outsidewithin walking distance of home for more than 1hour✔ a locked domestic garage, locked outbuilding orlocked shed within the boundaries of yourhome or temporary holiday accommodation,accessed only by you, your family or personsresiding with youThe following are not approved locations:✘ garage en bloc away from your home✘ sheds in your front garden or those easilyaccessed from the street✘ sheds or outbuildings with any exposedscrews that can be removed to gain access! Pedal cycles which are unattended for morethan 1 hour within your front garden, orwithin walking distance of your home are notcovered for theft.! If you’re in any doubt about your garage,shed or outbuilding, please contact oursupport team.IF all external doors are secured by a deadbolt or aCEN Grade 3 closed shackle padlock, or all garagedoors are approved by the company “Secure byDesign”, pedal cycles do NOT need to be lockedto an immovable objectOTHERWISE pedal cycles must be securedthrough the frame, with an approved lock, toan immovable object within the structureIN ADDITION to external securityrequirements above, every pedal cyclevalued over £1,500 stored in a wooden shedor outbuilding, must be secured through theframe by an approved lock to animmovable objectgarage doors must not have an external overridesheds or outbuildings must not have any exposedscrews which can be removed to gain accessyou must not leave the home unoccupied formore than 30 consecutive days without spendinga night thereyou must not leave your pedal cycle in a shed orstorage unit in your front garden for any periodof timeYour EssentialsPolicy Wording✔ a self-contained lockable room accessed only byyou within a university hall of residence,boarding school, office or house of multipleoccupancy (HMO)all external security devices must be in operatione.g., you need to lock your final exit doors, andput your alarm on (if you have one)you must not leave the room unoccupied formore than 30 consecutive days without spendinga night thereyou must not leave your office unoccupied formore than 30 consecutive days without spendinga working day there✔ a privately-accessed pedal cycle storage unitwithin the immediate boundaries of your home,hall of residence, boarding school or house ofmultiple occupancy (HMO)✔ a hallway in a block of flats with lockableaccess restricted to residents✔ a balcony with lockable entry accessed only byyou on the second floor or aboveThe following are not approved locations:✘ storage units where your pedal cycle isvisible from the outside✘ storage units on a public road or pavement✘ any balcony on the ground or first floor✘ any balcony that is easily accessible toanyone other than youpedal cycle(s) must be secured through the frameby an approved lock to an immovable objectwithin the storage unit or hallwaythe pedal cycle must not be visible from theoutside of the storage unitentry to the storage unit must only be gained viathe door, gate or lid lock, with lockable accessrestricted to those who keep pedal cycles withinitit must not be possible to climb under or over thestorage unit to gain accessyou must not leave the accommodationunoccupied for more than 30 consecutive dayswithout spending a night there! If you’re in any doubt about your storage unit,please contact our support team.We are here to help and we’ve got your back! Below are some common reasons we’ve had to decline theftclaims from home or insured locations:If someone ONLY steals your pedal cycle computer or your lights, we can’t cover that; thewhole pedal cycle must be stolen. When you leave your pedal cycle in any location that isaccessed by anyone other than you or your family, take your accessories with you.Accessory cables supplied with D-locks are not approved locks, and must not be used tosecure your pedal cycle to an immovable object.There is a big difference in the quality of storage units; some are much less secure than othersand are not approved by us. If you’re in any doubt about your storage unit, please contactour support team.Your EssentialsPolicy WordingEvery exit door on your home needs one. To close these locks, you have to turn a key, notjust pull the door to on a latch. Dead bolts offer much higher security than a latch, which iswhy we insist on them.If your battery or screen isn’t lockable, you need to take these with you when you lock upyour pedal cycle in any location that is accessed by anyone other than you or your family.We can’t insure these items against theft, if they can be removed without force.Choose your immovable object carefully. A thief would require heavy machinery to break animmovable object, not just a spanner or a knife.You need to lock the pedal cycle frame with an approved lock directly to an immovableobject. If you only lock the wheel, a thief doesn’t need to break to a lock to take the pedalcycle.The onus is on you to demonstrate ownership. The easiest way to do this is to take photos ofthe receipts, or save copies of e-receipts.We only accept Sold Secure rated pedal cycle locks. Whilst pedal cycles under £1,500 canuse a Silver rated, we always recommend a Gold or Diamond lock for all pedal cycles. Anypedal cycle over £1,500 must use a Gold or Diamond lock.Your EssentialsPolicy Wording✔ you are riding or holding your pedal cycle✔ your pedal cycle is locked to an immovableobject through the frame with an approved lockfor less than 12 consecutive hours✔ your pedal cycle is temporarily locked within avehicle for less than 12 hours since you last droveit, providing all security devices in operation andwindows shut✘ any of the cycling exclusions✘ theft of your pedal cycle when unattendedand not locked with an approved lock✘ theft from a vehicle unless all doors andwindows are shut, and all security devices arein operation. If there is a deadbolt, this mustbe used tooWe are here to help and we’ve got your back! Below are some common reasons we’ve had to decline theftclaims when you’re out and about.Accessory cables supplied with D-locks are not approved locks, and must not be used tosecure your pedal cycle to an immovable object.When locked up away from an insured location, hangars are simply an immovable objectand must only be left for up to 12 hours at a time.You can’t leave your pedal cycle in one place for prolonged periods, but come back to checkon it every 12 hours. Thieves know it’s there, and they will likely return to steal it.If someone just steals your pedal cycle computer or your lights, we can’t insure against that;the whole pedal cycle must be stolen. When you stop at a café or the shops, take youraccessories with you to prevent uninsured theft.If your battery or screen isn’t lockable, you need to take these with you when you lock upyour pedal cycle in any location that is accessed by anyone other than you or your family.We can’t insure these items against theft, if they can be removed without force.Your EssentialsPolicy WordingChoose your immovable object carefully. A thief would require heavy machinery to break animmovable object, not just a spanner or a knife.You cannot store your pedal cycle in a vehicle for longer than 12 hours; you cannot checkback in on it to reset the clock. Whenever you are at home, you must remove it from yourvehicle.A pedal cycle rack on the rear or roof of a vehicle is like any other immovable object. Theymust be locked with an approved lock. The rack itself must also be secured to the vehicle. Ifa thief can cut fabric straps to steal your pedal cycle, this is not immovable.You need to lock the pedal cycle frame with an approved lock directly to an immovableobject. If you only lock the wheel, a thief doesn’t need to break to a lock to take the pedalcycle.You can’t leave your pedal cycle locked up outside within walking distance of your homefor more than 1 hour. This includes in or on a vehicle, or within your front garden.The onus is on you to demonstrate ownership. The easiest way to do this is to take photos ofthe receipts, or save copies of e-receipts.We only accept Sold Secure rated pedal cycle locks. Whilst pedal cycles under £1,500 canuse a Silver rated, we always recommend a Gold or Diamond lock for all pedal cycles. Anypedal cycle over £1,500 must use a Gold or Diamond lock.If a thief can ride off with your pedal cycle without you noticing or intervening, you are notattending to it. You should either be riding, or holding your pedal cycle when out and about.Your EssentialsPolicy WordingInjuries you sustain in an accident whilst you areusing your pedal cycle up to the sums below:✔ loss of limb being the physical separation of oneor more hands or feet or permanent and total lossof use of one or more hands or feet - £5,000✔ total and irrecoverable loss of sight in both eyes- £5,000✔ death - £5,000✔ Permanent Total Disablement which entirelyprevents you from attending to any remunerativeoccupation following a medical review 12months after the date of disablement - £10,000✔ physiotherapy - £250✔ dental costs - £250✘ any of the cycling exclusions✘ any medical costs, other than physiotherapy ordental costs✘ any physiotherapy or dental costs withoutwritten advice from a medical practitioneradvising that you receive private treatmentrather than utilising care provided by theNational Health Service✘ any physiotherapy or dental costs incurred morethan 3 months after the accident✘ any cosmetic, elective or aesthetic dentaltreatment✘ injuries sustained by any person aged under 16✘ injuries which occur while you are under theeffects of drugs or alcohol at the time of theaccident✘ your death which occurs more than 30 days afterthe accident✘ more than one benefit under this section of coverduring any one period of insuranceWe are here to help and we’ve got your back! Below are some common reasons we’ve had to declinepersonal accident claims.You must be riding a pedal cycle listed on your schedule for the personal accident cover tobe in force.We cannot cover any niggle, injury or illness that you were aware of before this policyincepted.Your EssentialsPolicy Wording✔ up to £2,000,000 to cover your legal liability fordamages you have to pay which arises from youruse of or ownership of a pedal cycle if someonemakes a claim against you during the period ofinsurance for:accidental death or illness of, or bodilyinjury to, any personaccidental loss of or damage to property✔ for any costs, expenses, and legal fees to defendyou, if we have agreed this in writing✘ legal liability in the United States of America orCanada or their dependencies or trust territories✘ legal liability arising out of the use or ownershipof a pedal cycle by any member of your familyunder age 16 or over age 85✘ liability arising from loss or damage to property,which belongs to you or is in your care, custodyor control✘ where you are entitled to indemnity from anothersource✘ any liability arising from your courier cycling✘ when punitive, exemplary or aggravated damagesare awarded against you✘ any liability for bodily injury, loss or damage toyour employees or members of your family orhousehold or to their property✘ anyone being carried on the pedal cycle otherthan youAlways exchange details with the other drivers/cyclists, including names, addresses,registration numbers and insurer names and policy numbers.Obtain witness details, including those of passengers in any vehicle involved.If you have a camera available, and it is safe to do so, take photos of the vehicle positionsbefore they are moved and the vehicle damage, as they may assist with establishing liability.Do not discuss whose fault the accident was or accept any responsibility.If anybody is injured or you do not exchange details at the scene, then report the matter to thepolice within 24 hours.Do not answer directly any correspondence received from any representatives of the otherparties involved.Ensure your claim is submitted to Yellow Jersey Claims via the online client area within 28days.All incidents, no matter how minor they may seem should be reported.✔ This policy will help you if an event which isanother party’s fault:damages your pedal cycle and/or personalproperty in or on it, and/or;injures or kills you whilst on your pedalcycle✔ The insurer will pay your legal costs &expenses up to £100,000 (for all claims arisingfrom or relating to the same original causeincluding the cost of appeals) provided that:1. you have paid the insurance premium2. you keep to the terms of this policy andcooperate fully with us3. the accident happens in the territorial limits4. the claim:i. always has reasonable prospects of successii. is reported to us:during the period of insuranceas soon as possible after the accident5. unless there is a conflict of interest, youalways agree to use the appointed advisorchosen by us before proceedings have been orneed to be issued6. the claim falls under the jurisdiction of acourt in the UK7. you enter into a conditional fee agreement(unless the appointed advisor has entered intoa collective conditional fee agreement) wherelegally permitted.The insurer will not cover any claim arising from orrelating to:✘ legal costs & expenses incurred before weaccept a claim or without our written agreement✘ a contract✘ defending any claim other than appeals againstyou✘ an accident that happens before the start of thepolicy✘ fines, penalties or compensation awardedagainst you✘ a group litigation orderUnder no circumstances should you instruct your own lawyer as our legal expenses providerwill not pay any costs incurred without prior agreement.Once your claim is submitted, if an advisor believes the accident is not your fault, we willarrange a legal expert to contact you who will help claim back uninsured losses and includingclaiming compensation for any injuries.Ensure no contact is made with anyone else regarding claiming back your losses orcompensation for personal injury until you hear from us.This policy will pay any otherwise covered claim involving the use of or inability to use a computer,including devices such as smart phones, tablets and wearable technology. This cover is subject to all otherpolicy terms.Your EssentialsPolicy WordingWhere the insurer’s risk under this policy has increased due to your failure to keep to these conditions theinsurer can cancel your policy, refuse a claim or withdraw from an ongoing claim. The insurer alsoreserves the right to claim back legal costs & expenses from you if this happens.1. Your responsibilitiesYou must:a) tell us immediately of anything that may make it more costly or difficult for the appointed advisor to claimback lossesb) cooperate fully with us, give the appointed advisor any instructions we require, keep them updated withprogress of the claim and not hinder themc) take reasonable steps to claim back legal costs & expenses and, where recovered, pay them to the insurerd) keep legal costs & expenses as low as possiblee) allow the insurer at any time to take over and conduct in your name, any claim2. Freedom to choose an appointed advisora) In certain circumstances as set out in 2. b) below, you may choose an appointed advisor. In all other cases nosuch right exists and we shall choose the appointed advisor.b) If we agree to start proceedings or there is a conflict of interest, you may choose a suitably qualifiedappointed advisor.c) Where you wish to exercise your right to choose, you should write to us with your preferred representative’scontact details.d) If you dismiss the appointed advisor without good reason, or withdraws from the claim without our writtenagreement, or if the appointed advisor refuses to continue acting for you with good reason, the cover will endimmediately.e) We reserve the right to appoint another appointed representative in accordance with 2. b) and c) above.3. ConsentYou must agree to us having sight of the appointed advisor’s file relating to your claim. You are considered tohave provided consent to us or our appointed agent to have sight of your file for auditing and quality controlpurposes.4. Settlementa) The insurer can settle the claim by paying the reasonable value of your claim.b) You must not negotiate, settle the claim or agree to pay legal costs & expenses without our writtenagreement.c) If you refuse to settle the claim following advice to do so from the appointed advisor the insurer may refuseto pay further legal costs & expenses.5. Barrister’s opinionWe may require you to obtain and pay for an opinion from a barrister regarding the merits or value of the claim. Ifthe opinion supports the you, then the insurer will reimburse the reasonable costs of that opinion. If that opinionconflicts with advice obtained by us, then the insurer will pay for a final opinion which shall be binding on the youand us. This does not affect your right under Condition 6 below.6. DisputesIf any dispute between you and us arises from this policy, you can make a complaint to us as described in theComplaints Procedure and we will try to resolve the matter. If we are unable to satisfy your concerns, you can askthe Financial Ombudsman Service to arbitrate over the complaint.7. CancellationYou may cancel this Section of the policy only if you cancel your policy in its entirety.Your EssentialsPolicy WordingSection 1-5 of this insurance is Underwritten by AWP P&C SA and administered in the UKby AWP Assistance UK Ltd trading as Allianz Assistance.AWP Assistance UK Ltd is authorised and regulated by the Financial Conduct Authority.AWP P&C SA is authorised and regulated by L’Autorité de Contrôle Prudentiel et deRésolution in France. Deemed authorised by the Prudential Regulation Authority. Subject toregulation by the Financial Conduct Authority and limited regulation by the PrudentialRegulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, areavailable on the Financial Conduct Authority’s website.Section 6 Legal Expenses is administered by ARAG plc under a binding authorityagreement with the insurer SCOR UK Company Limited.The subscribing insurers’ obligations under contracts of insurance to which they subscribeare 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-subscribinginsurer who for any reason does not satisfy all or part of its obligations.We are members of the Financial Services Compensation Scheme (FSCS). You may beentitled to compensation from the scheme if we are unable to meet our liabilities under thisinsurance. This depends on the type of business and the circumstances of the claim. A claimis protected for 90%, without any upper limit. Further information about the compensationscheme arrangements is available from FSCS. Information can be obtained on request or byvisiting the FSCS website at www.fscs.org.uk.Allianz Assistance holds data in accordance with the current data protection regulations andlegislation.Allianz Assistance will use any personal information, including personal sensitiveinformation as defined in the data protection act 2018, for the purpose of dealing with yourclaim. It will also be used, if required, for the purpose of administering and underwritingyour policy, for giving advice and assistance, and to update Allianz Assistance records.For full information on how Allianz Assistance will process your data please visit:www.allianz-assistance.co.uk/privacy-policy-and-cookies/Your EssentialsPolicy WordingTo see a copy of how ARAG collect, use, share and store personal information, please seevisit https://www.arag.co.uk/cookie-policy/In order to prevent and detect fraud we draw to your attention in accordance with DataProtection Legislation, the fact that we may at any time record and monitor telephone callsfor the purpose of detecting fraud & deception. We may also pass your details through anynumber of data sharing/fraud prevention agencies such as Hunter and CIFAS.Your Insurance cover details may be added to the Claims and Underwriting ExchangeRegister, run by the Insurance Database Services Ltd and the Insurance Anti-Fraud andTheft Register, run by the Association of British Insurers. It is a condition of your policythat you must tell us about any incident (such as accident or theft) whether or not it givesrise to a claim as soon as possible. We will pass information relating to it on to theseAgencies. If you or anyone acting on your behalf gives us false or inaccurate informationand we suspect fraud, all benefits under this policy will be void. The matter will be recordedwith the above Agencies and pursued in accordance with the law.We may share information about you with our associated and subsidiary companies. Otherorganisations may also use and search these records in their effort to combat fraud andundertake credit searches.The company wishes to make it clear that the vast majority of honest Policyholders suffer asa result of a few. Our aim is to provide the best possible service to the genuine customer.Through the use of these systems and certain interview techniques, we are able to addressfraud in such a manner that enables us to keep premiums competitive.

https://www.yellowjersey.co.uk

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Main DOGTAG Travel Insurance Policy Wording for Dogtag travel insurance policy. Dogtag has 3 Levels of Cover offering varying levels of cancellation depending on your budget and travel needs. If you’re taking a Couple or Family policy, the cover levels are per person. The three levels are: BASE- wide-ranging cover at a competitive price. Ideal if you’re traveling light on a low-cost holiday. PRO- our optimum cover level , and our most popular – higher cover levels and wide ranging protection. MAX- our highest cover level. Complete peace of mind for you and your holiday. BASE provides the following cover: If you are not able to go on your trip £500; If you need emergency medical treatment abroad £3m; If you need to be brought home £200,000; If you are buried or cremated abroad £2,500; If you are taken ill or injured in your home country £1,000; If you have to cut short your trip £500; If your checked-in baggage is delayed £150; If your valuables are lost, stolen or accidentally damaged £175; If your other possessions are lost, stolen or accidentally damaged £200; If your cash or event tickets are lost or stolen £200; If you need legal advice £10,000; If you are killed, injured or disabled following an accident £10,000; If you are held legally liable for injury or damage £2m. The following is not included in the cover of BASE: Deductibles apply on the Base policy and are shown in the Document of Insurance - you are responsible for paying this amount in the event of a claim; There is no cover if you purchased this insurance with the reasonable intention or likelihood of claiming; There is no cover if you are claiming due to FCDO, government or local authority advice relating to any infectious disease including Covid-19; There is no cover if you ask us to pay for a loss that is insured or guaranteed by any other existing protection, specifically Package Travel Regulations, Air Passenger Rights, ATOL (including Civil Aviation Authority requirements), or ABTA protection, or from your credit card provider under s75 Consumer Credit Act, or any other specific legislation for transport or travel providers; There is no cover if you are unable to provide evidence from a medical professional confirming your illness or infectious disease; There is no cover if you simply did not want to travel, had a fear of travelling or you could no longer afford to pay for the trip; There is no cover if you chose or were recommended to quarantine or isolate as a result of exposure to an infectious disease including Covid-19; Existing medical conditions that you haven’t told us about or where we’ve not agreed to cover them in writing; Dental treatment other than to alleviate sudden pain; Trips which have begun before your policy cover start date; Events or situations you know about before taking out a policy or booking a trip which could mean you can’t travel; You taking part in activities unless stated as covered on your Policy Documentation; Claims caused by alcohol, drugs or substance abuse; Trips longer than 31 days multi trip policy; Natural damage (e.g. wear & tear or from weather); Any trip involving a cruise. The following are restrictions on cover: This is a travel insurance policy and not private medical insurance, therefore it does not cover any medical expenses incurred in private facilities if adequate public facilities are available, unless specifically authorised by us; There is no cover for trips booked or travel to a destination outside the area of cover shown on your Policy Schedule; Unless agreed with us there will be no cover if the FCDO advise against travel to your destination; There is no cover at the start of the policy if anyone to be insured is waiting to have any medical investigation, or the results of any test or investigations, unless these relate to an already diagnosed condition you’ve told us about; There is no cover to cancel or cut short a trip because of any follow up appointment or surgery that relates to investigations or tests that are known about when a trip is booked; There is no cover for valuables, gadgets or money unless with you, in a safe/safety deposit box or locked in your accommodation. Cover under the BASE policy is for the following locations: You can select the area of cover that is most appropriate for your travel plans. Cover will not apply if you travel outside the area that you have chosen. The area you have chosen will be shown on your policy schedule. You will not be covered if you travel to a country or region when the Foreign, Commonwealth and Development Office has advised against all travel or all but essential travel. For further details, visit: www.gov.uk/foreign-travel-advice. PRO provides the following cover: If you are not able to go on your trip £2,000; If your scheduled airline stops before you leave home £1,000; If you are delayed £200; If you miss your departure or onward connection £500; If you decide to abandon your travel plans £2,000; If your scheduled airline stops trading while you're away £1,000; If you are denied boarding on your return journey £560; If you need emergency medical treatment abroad £10m; If you need to be brought home £200,000; If you are buried or cremated abroad £1,500; If you are admitted to a public hospital £600; If you are taken ill or injured in your home country £1,000; If you have to cut short your trip £2,000; If your checked-in baggage is delayed £100; If your valuables are lost, stolen or accidentally damaged £300; If your other possessions are lost, stolen or accidentally damaged £1,500; If your cash or your event tickets are lost or stolen £250; If you need emergency travel documents £250; If your or your hired ski equipment is lost, stolen or damaged £1,000; If your ski equipment is delayed over 24 hours £500; If your winter sports equipment is damaged whilst in use £500; If you are unable to use your pre-paid ski pack £400; If your ski resort is closed £1,000; If you need legal advice £25,000; If you are killed, injured or disabled following an accident £15,000; If you are held legally liable for injury or damage £2m. The PRO policy does not include the following: Deductibles apply on the Pro policy and are shown in the Document of Insurance - you are responsible for paying this amount in the event of a claim; There is no cover if you purchased this insurance with the reasonable intention or likelihood of claiming; There is no cover if you are claiming due to FCDO, government or local authority advice relating to any infectious disease including Covid-19; There is no cover if you ask us to pay for a loss that is insured or guaranteed by any other existing protection, specifically Package Travel Regulations, Air Passenger Rights, ATOL (including Civil Aviation Authority requirements), or ABTA protection, or from your credit card provider under s75 Consumer Credit Act, or any other specific legislation for transport or travel providers; There is no cover if you are unable to provide evidence from a medical professional confirming your illness or infectious disease; There is no cover if you simply did not want to travel, had a fear of travelling or you could no longer afford to pay for the trip; There is no cover if you chose or were recommended to quarantine or isolate as a result of exposure to an infectious disease including Covid-19; Existing medical conditions that you haven’t told us about or where we’ve not agreed to cover them in writing; Dental treatment other than to alleviate sudden pain; Trips which have begun before your policy cover start date; Events or situations you know about before taking out a policy or booking a trip which could mean you can’t travel; You taking part in activities unless stated as covered on your Policy Documentation; Claims caused by alcohol, drugs or substance abuse; Trips longer than 31 days on a multi trip policy; Natural damage (e.g. wear & tear or from weather); Any trip involving a cruise (unless you have purchased the optional cruise extension). What are the restrictions on the PRO cover: This is a travel insurance policy and not private medical insurance, therefore it does not cover any medical expenses incurred in private facilities if adequate public facilities are available, unless specifically authorised by us; There is no cover for trips booked or travel to a destination outside the area of cover shown on your Policy Schedule; Unless agreed with us there will be no cover if the FCDO advise against travel to your destination; There is no cover at the start of the policy if anyone to be insured is waiting to have any medical investigation, or the results of any test or investigations, unless these relate to an already diagnosed condition you’ve told us about; There is no cover to cancel or cut short a trip because of any follow up appointment or surgery that relates to investigations or tests that are known about when a trip is booked; There is no cover for valuables, gadget or money unless with you, in a safe/safety deposit box or locked in your accommodation. The PRO cover applies in the following locations: you can select the area of cover that is most appropriate for your travel plans. Cover will not apply if you travel outside the area that you have chosen. The area you have chosen will be shown on your policy schedule. You will not be covered if you travel to a country or region when the Foreign, Commonwealth and Development Office has advised against all travel or all but essential travel. For further details, visit: www.gov.uk/foreign-travel-advice. The MAX policy covers the following: If you are not able to go on your trip £5,000; If you are delayed £300; If you miss your departure or onward connection £1,000; If you decide to abandon your travel plans £5,000; If you need additional pet care due to a delay on your return journey £300; If a natural disaster occurs during your trip £1,000; If you are denied boarding on your return journey £560; If you need emergency medical treatment abroad £10m; If you need to be brought home £200,000; If you are buried or cremated abroad £2,500; If you are taken ill or injured in your home country £1,000; If you are admitted to a public hospital £1,000; If you have to cut short your trip £5,000; If your checked-in baggage is delayed £150; If your valuables are lost, stolen or accidentally damaged £250; If your other possessions are lost, stolen or accidentally damaged £2,000; If your cash or event tickets are lost or stolen £200; If you need emergency travel documents £200; If you need legal advice £25,000; If you are killed, injured or disabled following an accident £25,000; If you are held legally liable for injury or damage £2m. You can add the following optional covers to the Pro policy - Golf extension; Business extension; Winter sports extension; Scuba diving extension; Mountain climbing extension. The following is not insured in the MAX policy: Deductibles apply on the Max policy and are shown in the Document of Insurance - you are responsible for paying this amount in the event of a claim; There is no cover if you purchased this insurance with the reasonable intention or likelihood of claiming; There is no cover if you are claiming due to FCDO, government or local authority advice relating to any infectious disease including Covid-19; There is no cover if you ask us to pay for a loss that is insured or guaranteed by any other existing protection, specifically Package Travel Regulations, Air Passenger Rights, ATOL (including Civil Aviation Authority requirements), or ABTA protection, or from your credit card provider under s75 Consumer Credit Act, or any other specific legislation for transport or travel providers; There is no cover if you are unable to provide evidence from a medical professional confirming your illness or infectious disease; There is no cover if you simply did not want to travel, had a fear of travelling or you could no longer afford to pay for the trip; There is no cover if you chose or were recommended to quarantine or isolate as a result of exposure to an infectious disease including Covid-19; Existing medical conditions that you haven’t told usabout or where we’ve not agreed to cover them in writing; Dental treatment other than to alleviate sudden pain; Trips which have begun before your policy cover start date; Events or situations you know about before taking out a policy or booking a trip which could mean you can’t travel; You taking part in activities unless stated as covered on your Policy Documentation; Claims caused by alcohol, drugs or substance abuse; Trips longer than 31 days on a multi trip policy; Natural damage (e.g. wear & tear or from weather); Any trip involving a cruise. The restrictions on the MAX policy are as follows: This is a travel insurance policy and not private medical insurance, therefore it does not cover any medical expenses incurred in private facilities if adequate public facilities are available, unless specifically authorised by us; There is no cover for trips booked or travel to a destination outside the area of cover shown on your Policy Schedule; Unless agreed with us there will be no cover if the FCDO advise against travel to your destination; There is no cover at the start of the policy if anyone to be insured is waiting to have any medical investigation, or the results of any test or investigations, unless these relate to an already diagnosed condition you’ve told us about; There is no cover to cancel or cut short a trip because of any follow up appointment or surgery that relates to investigations or tests that are known about when a trip is booked; There is no cover for valuables, gadget or money unless with you, in a safe/safety deposit box or locked in your accommodation. The MAX policy covers the following regions: you can select the area of cover that is most appropriate for your travel plans. Cover will not apply if you travel outside the area that you have chosen. The area you have chosen will be shown on your policy schedule. You will not be covered if you travel to a country or region when the Foreign, Commonwealth and Development Office has advised against all travel or all but essential travel. For further details, visit: www.gov.uk/foreign-travel-advice. This policy has been specially arranged and is administered on behalf of DOGTAG by tifgroup.DOGTAG and tifgroup are trading names of Travel Insurance Facilities Plc, which is authorised and regulated by the Financial Conduct Authority FRN:306537. These details can be checked on the Financial Services Register at:www.fca.org.ukUnless otherwise stated your policy is insured by Collinson Insurance. Collinson Insurance is a trading name of Astrenska Insurance Limited who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct. Authority and Prudential Regulation Authority. Their Financial Services Register Number is 202846. These details can be checked on the Financial Services Register at: www.fca.org.ukDOGTAG Travel Insurance CoverSingle Trip ◦ Multi TripFor policies issued between01/09/2023 to 31/08/2024Master Policy Number: COLDT-22-007-BThis policy is for residents of the United Kingdomand the Channel Islands only.POLICY INFORMATIONABOUT YOUR CONTRACT OF INSURANCEThis policy wording and the policy certificate form a contract of insurance between the underwriters, Collinson Insurance and those people specified on your policy certificate and must be readtogether. Please check your policy certificate carefully to ensure the cover you have purchased meets your needs. This contract is only valid when you have a valid policy certificate and havepaid the appropriate premium.Both we and you are entitled to choose the law applicable to the insurance. We propose English Law and in the absence of any agreement to the contrary, English Law will apply.This policy is insured by Collinson Insurance. Collinson Insurance is a trading name of Astrenska Insurance Limited who is authorised by the Prudential Regulation Authority and regulated by theFinancial Conduct Authority and Prudential Regulation Authority. Their Financial Service Register Number is 202846. These details can be checked on the Financial Services Register websitewww.fca.org.uk.END SUPPLIER SECTIONS OF COVER INFORMATION ONLYThe End Supplier Failure sections of cover are provided by International Passenger Protection Limited, IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR, United Kingdom and isunderwritten by Liberty Mutual Insurance Europe SE (The Insurer). The Insurer is authorised and regulated by the Luxembourg Minister of Finance and the Commissariat aux Assurances.Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority (registerednumber 829959). Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on theFinancial Conduct Authority’s website.• Data Protection – We will deal with any information you provide us in compliance with the provisions of relevant Data Protection legislation. For the purpose of this insurance and thehandling of any claims or complaints, we may need to transfer certain information which you have provided to other parties.• Sanctions – We will not provide any benefit under this insurance to the extent of providing cover, payment of any claim or the provision of any benefit where doing so would breach anysanction, prohibition or restriction imposed by law or regulation.• Non-Assignment – No title, right or interest under this policy may be assigned, transferred, conveyed or otherwise disposed of without the consent in writing of the Insurer hereon. Anyattempt to assign rights or interests without the Insurer’s written consent is null and void.CANCELLING OR AMENDING YOUR POLICYPlease tell us as soon as you are aware that your policy does not meet your needs. If you cancel within 14 days of the receipt of your documentation. If you have not started a trip, made a claim,or intend to make a claim, we will give you a full refund. If you cancel outside of the 14-day cooling-off period, no premium will be refunded.However, discretion may be exercised in exceptional circumstances to provide a refund for unused cover, those exceptional circumstances being bereavement or an unexpected change to yourpolicy resulting in us being unable to continue covering you. The unused premium will be calculated on a sliding scale basis as follows:Refund scale outside the 14-day cooling off period for exceptional circumstances onlySingle Trip Policies Before Travel75% refundNo refund can be given once a trip has started.Annual Multi Trip PoliciesNumber of monthspolicy was live beforecancellation% RefundNumber of monthspolicy was livebefore cancellation% Refund1 month 75% 7 months 20%2 months 60% 8 months 15%3 months 50% 9 months 10%4 months 40% 10 months 5%5 months 30% 11 months 0%6 months 25% 12 months 0%5We may cancel your policy by giving you 14 days’ notice in writing, if this happens, we will refund the unused premium in line with the above scale and advise you the reason for thecancellation. Reasons can be (but not limited to) you failing to pay the full and correct premium, or if you do not meet the Medical Health Requirements or residential eligibility.Once your policy has been cancelled your cover will end and you will not be able to make a claim.FRAUDIf a claim is found to be fraudulent in any way, including use of fraudulent means to obtain any benefit, this policy shall become void meaning it no longer exists from the date of the fraudulentclaim and the premium paid will be lost. Any benefits received by you for any claim found to be fraudulent, must be repaid to us. We may inform the police or the appropriate authorities of thecircumstances.RESIDENTIAL ELIGIBILITYTo be eligible to purchase this policy your home address must be in the UK and you must be registered with a General Practitioner in the UK.RENEWING ANNUAL MULTI TRIP POLICIESWe will write to you at least 31 days before your policy is due to expire to provide you with details of the new premium and any changes to the policy terms and conditions. If you are stilleligible and happy with the renewal information, you will need to contact us either by visiting our website or calling us to accept the quote. We will remind you to tell us about any changes toyour personal circumstances, including any new or changes to existing medical conditions. Once payment has been taken you can still cancel the policy and obtain a full refund, provided youcontact us within 14 days from the date you receive the policy documentation and you have not made or are intending to make a claim under the renewed policy. Refunds for the unusedportion of premium outside the 14-day cooling off period are only available for exceptional circumstances. Policies can be renewed during a trip, however, we advise you avoid this wherepossible so that you have continuous cover in place.PURCHASING AFTER YOUR TRIP HAS STARTEDIf you are traveling solely within the UK, you cannot purchase a policy after you leave home to start the trip. If you are travelling outside the UK, then it is possible to purchase a policy up to thepoint you board your transportation for your international departure. However, if you are aware of a reason to make a claim at the time of purchase, your claim will not be covered.AUTOMATIC POLICY EXTENSIONSIf you are unable to return home as planned due to a reason covered by this policy, your cover will automatically extend until you are able to return home or until you are admitted to a hospitalor medical facility in the UK.When your return is delayed by an insured reason other than a medical emergency, cover is only extended until travel arrangements can be made to return home. All cover will end under thispolicy if you choose not to return home as soon as you are able to.WHEN COVER STARTS AND ENDSSingle TripFrom the time of buying this insurance to the time you leave home to start your trip, cover is only available under Cancelling Your Trip. Once you leave home to start the trip, Cancellation coverends, and all other sections of the policy, begins.Cover under all sections of the policy apart from Cancelling Your Trip, ends:• At midnight on the end date shown on your policy certificate even if you have not returned home. Or• When you return to your home address in the UK even if this is before your booked return date. Or• Upon your admission to a hospital or medical facility in the UK if we are repatriating you home under Section B10 & B11 Emergency Medical Expenses. Cover ends even if this isbefore your booked return date, or before your trip is due to end.Annual Multi TripCover under Cancelling Your Trip is effective from the start date of your policy period as shown on your policy certificate or when you book a trip, depending on which happens last. Once youleave home to start the trip, Cancellation cover for that trip ends, while cover under all other sections of the policy, begins. If you have multiple trips booked, Cancellation cover is effective untilyou leave home to start each trip. If a booked trip falls after the date your policy is due to renew, you must pay the premium to renew your policy for cover to continue.Cover under all sections of the policy apart from Cancelling Your Trip ends:• At midnight on the end date shown on your policy certificate even if you have not returned home. Or• At midnight of the day, you reach the policy maximum trip duration; or• When you return to your home address in the UK even if this is before your booked return date. Or6• Upon your admission to a hospital or medical facility in the UK if we are repatriating you home under Section B10 & B11 Emergency Medical Expenses. Cover ends even if this isbefore your booked return date, or before your trip is due to end.DECLARING EXISTING MEDICAL CONDITIONSThis policy does not automatically provide cover for medical conditions you are already experiencing when you purchase this policy or have experienced in the past. Please review the MedicalHealth Requirements and ensure you answer the Medical Screening questions fully and accurately for everyone insured on the policy.SUMS INSURED AND EXCESSESEach section of the policy has a limit on the amount we will pay for each insured person, called the sum insured. Claims under most sections of the policy will be subject to an excess. The sumsinsured, inner limits and excess amount for each section are set out in the Cover Table. Please check the Cover Table against your policy certificate to ensure the level of cover you havepurchased meets your needs.Excesses apply for each claim logged with us, for each section of the policy you are claiming under and for each insured person who is making a claim. When we are settling a claim directly withyou, we will deduct the excess from the claim payment before you receive it. Where we are settling claims directly with a medical provider or other supplier, you will be responsible for paying usthe excess. The excess will vary depending on the excess chosen by you. This is applied per person, per section, per claim. Where an excess has been increased due to a medical condition, thiswill be applied in addition to your standard policy excess.UPGRADES / POLICY EXTENSIONSThe following upgrades are available to be purchased for an additional premium:- Winter Sports Extension - Golf Extension - Motorcycle Extension- Large Scale Events Extension - COVID-19 Extension - Cycling Extension- Scuba Diving Extension - Mountaineering Extension - Sailing Extension- 62 Day Multi Trip ExtensionCOVERED AREAThe area you have selected to buy confirms the country/location your policy is valid for. Cover under this policy is not valid if you travel to an area that is higher than the area you purchased. Forexample, If you have purchased a policy to Europe, but you travel to the USA no cover will be in place. It is important to check the area of cover on your policy certificate.TRIP AND AGE LIMITSSingle TripThe maximum trip duration you can purchase varies by age as follows:Age at date of starting the policy Maximum Trip DurationUp to 69 365 daysAnnual Multi TripThe maximum trip duration for this policy is 31 days.We do have an option available on this product with allows you to increase the maximum tripduration to 62 days per trip. This will only be covered if you pay the appropriate additionalpremium and it is confirmed on your policy documents.UK COVERFor Annual Multi Trip policies you must have booked and paid for 2 night’s accommodation for UK cover to apply. Not all sections of cover apply if your trip is solely within the UK, the followingsections of cover are available:TRIP DISRUPTION- Cancelling Your Trip.- Cutting Short Your Trip(excluding COVID-19Upgrade).MEDICAL COVER- Medical Repatriation, excluding MedicalExpenses.- Additional Travel and Accommodation Costs.- Hospital Benefit.- Repatriation of Remains.PERSONAL BELONGINGS- Personal Baggage.- Money and Travel Documents.OTHER- Personal Accident.- Personal Liability.FINANCIAL SERVICE COMPENSATION SCHEME7We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS, if we are unable to meet our obligations. More information can beobtained from the www.fscs.org.uk website.MEDICAL SCREENING HEALTH REQUIREMENTSThis policy does not automatically provide cover for medical conditions you are already experiencing when you purchase this policy or have experienced in the past. If you answer “Yes” to any ofthe Medical Screening Questions, you must contact us and answer a series of further questions regarding your health to determine if we can provide cover. You may have to pay an additionalpremium for your conditions to be covered. If you do not wish to pay the additional premium, we will not be able to sell you a policy.Have you or anyone named on the policy ever been diagnosed with or treated for any of the following?• Heart or circulatory conditions• Strokes or high blood pressure• Breathing/Respiratory conditions (including Asthma)• Cancer (even if now in remission)• Diabetes (including diet controlled)• Irritable bowel disease (such as crohn’s, or diverticulitis)Are you or anyone named on the policy currently taking any medication? (this will not apply to common colds, flu or contraceptive medication)Are you or anyone named on the policy waiting for any tests, treatment or a non-routine hospital appointment?Have you or anyone named on the policy seen a medical professional in the last 2 years?If the answer is YES to any of the above you must declare them to us; you cannot choose what you declare and what you don’t.We need to understand your health as a whole to be able to assess the risk you present in the lead up to your trip and while you are travelling. If any of the above apply to you and you do notdeclare them, any claim you make whether it is related or not, may only be paid in part or declined altogether.CHANGE IN HEALTH AFTER YOU HAVE PURCHASED YOUR POLICYSimilarly, if there is a CHANGE IN HEALTH AFTER YOU HAVE PURCHASED YOUR POLICY, such as new or increased medication, any referral for tests or a specialist appointment, or a newdiagnosis/course of treatment, you must tell us or again any claim you make whether it is related or not, may only be paid in part or declined altogether.If we feel that anything you tell us might increase the risk and chance of a claim, we may ask you to pay an additional premium, apply an increased excess, change the policy terms or withdrawcover altogether.To declare an existing condition(s) or a change in health please call us on: 0333 005 1085Should your medical situation change before you travel, and we are unable to continue providing cover, we will either allow you to make a claim for cancellation or, we allow to cancel yourpolicy as per the terms and conditions shown on page 4-5.INDIRECTLY RELATED CLAIMSThis policy does not cover claims that are directly or indirectly related to an undeclared or incorrectly declared medical condition. An indirectly related medical condition means a medicalproblem that is more likely to happen because of another medical problem you already have. For example, if you:• have high blood pressure, high cholesterol, or diabetes, you are more likely to have a heart attack or a stroke.• suffer from asthma (diagnosed over 50), chronic obstructive pulmonary disease, or other lung disease, you are more likely to get a chest infection.• have or have had cancer, you are more likely to suffer from a secondary cancer.PREGNANCYPregnancy or medical conditions arising from pregnancy are covered provided you will not be more than 28 weeks pregnant by the time your trip is due to start (or 24 weeks for multiple births)and a medical practitioner or midwife confirms that you are fit to travel.If you are confirmed not fit to travel, or if you will be more than 28 weeks pregnant at the start of your trip, (24 weeks for multiple births), you can make a claim under “Cancelling Your Trip”provided you purchased this policy/booked a trip before you were aware you would not be able to travel.8MAKING A CLAIMFirst, check your policy certificate and the appropriate section of your policy wording to make sure that what you are claiming for is covered. You can set up a claim online or by telephone, youmust ensure that you have all relevant documents and any receipts, please see claims evidence below.• Online collinson.claimhere.co.uk or via the customer area https://quote.dogtag.co.uk/secure?action=memberlogin• Telephone 0333 005 1087All claims must be submitted within 60 days of your return from your trip. You must assist us in providing all requested information, including completing any requested forms, or you mayexperience a delay in the processing of your claim. When claims settlements are made by BACS (Bank Automatic Clearing System) or other electronic banking system method, you will beresponsible for supplying us with the correct bank account details and your full authority for us to remit monies directly to that account. Provided that payment is remitted to the bank accountdesignated by you, we shall have no further liability or responsibility in respect of such payment, and it shall be your sole responsibility to make collection of any misdirected payment in theevent of incorrect details having been provided to us.Claims & assistance services are administered by Collinson Insurance Services Ltd.24-hour Emergency Medical AssistanceYou must contact the medical emergency service once you know you will be in a medical facility for at least 24 hours• Telephone 0333 005 10889CLAIMS EVIDENCEBefore a claim can be paid, you may be asked to provide supporting documentation to validate cover and the circumstances of the loss. The table below sets out what documentation you maybe asked to provide. Depending on the details of each claim we may ask for additional or different supporting documentation to that listed below.Section(s) DocumentationAll sections - Policy Certificate.- Proof that you booked travel and accommodation, such as a booking invoice.If you are unable to go on your trip, If you have to cut your trip short, If you need emergencymedical treatment abroad, If you need to be brought home, If you need physiotherapy and/ordental treatment after you return home.- Confirmation of all cancellation(s) including any refunds already given- Medical reports / medical certificates- Booking terms and conditions- Death certificates- Invoices and receipts for your expenses- Receipts or confirmation of payments you have made- Written confirmation of positive test results for Covid-19 provided by an independentauthority including the date of the result. Photographic evidence of a test kit is notacceptable.- A letter from your employer providing your redundancy- A police report for any lost or stolen travel documentsIf you are delayed, If you choose to abandon your travel plans. - Written confirmation from the carrier stating the period of and reason for any delay- Receipts confirming any additional transport costsIf a major incident happens while you are on your trip. - Evidence from your original accommodation provider confirming the length and reason forclosure of the accommodation- Evidence of any additional costs you have incurredIf you miss your departure, If you miss your connection. - A police or motoring authority report stating any delay and the cause- Evidence of vehicle recovery or repairs- Evidence of the costs of any additional accommodation and transportIf your checked-in baggage is delayed, If your valuables are lost, stolen or accidentallydamaged, If your other possessions are lost, stolen or accidentally damaged, If your gadgetsare lost, stolen or accidentally damaged, If your cash is lost or stolen, If you need emergencytravel documents.- A police report or written report from your accommodation or travel provider detailingyour reported loss- A police report for any lost/stolen item(s)- Property irregularity report from an airline- Written confirmation from the airline or travel company stating the length of delay- Proof of ownership and value of items claimed for such as receipts- When the claim is for loss or theft of mobile phones we will ask for proof that your serviceprovider has been contacted and asked to discontinue the service- Evidence of withdrawal of bank notes or currency10GENERAL CONDITIONSThe following conditions apply to all sections of the wording:1. At the time of purchasing this insurance you will have been asked questions to enable us to assess your risk, failure to answer accurately and honestly could lead to your policy beinginvalid and all claims will be forfeited. If the answers given change after the policy was purchased you must notify us of this change.2. You must pay the excess shown in the Cover Table (unless you have paid an additional premium to waive the excess)3. You must take all reasonable steps to avoid or minimise any claim. At all times you must act as if you are not insured.4. We can request specific information to assess your claim see Page 9 where we have set out what documentation we will ask you to provide. We are entitled to ask for any furtherevidence not listed on Page 9 if required due to the circumstances of your claim at your own cost.5. If a claim is found to be fraudulent in any way, including use of fraudulent means to obtain any benefit, this policy shall become void meaning it no longer exists from the date of thefraudulent claim and the premium paid will be lost. Any benefits received by you for any claim found to be fraudulent, must be repaid to us. We may inform the police or otherappropriate authorities of the circumstances.6. You must not make any payment; admit liability, offer or promise to make any payment without written consent from us.7. We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit against another party.8. If at the time of any incident, loss or damage there is any other indemnity or insurance which wholly or partly covers the same occurrence, the underwriters shall not be liable to pay orcontribute towards the loss or damage except in excess of the sums recovered or recoverable under the other indemnity or insurance.9. You must assist us in pursuing a recovery from any third party, government department or other insurers by providing all details required and by completing any necessary forms.10. You are not covered for any cruise trips at all.11. You must follow the “Important Information” where listed under individual sections of the policy.GENERAL DEFINITIONSThe words listed below when shown in bold text will always have the meaning set out below.HomeThe address where you live in the United Kingdom, Channel Islands or Isle of Man and where you are registered with a General Practitioner.Home CountryThe United Kingdom, Channel Islands or the Isle of ManImmediate RelativeYour mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.Medical PractitionerA registered practicing member of the medical profession who is not related to you or to a travelling companion or is anyone you are intending to stay with.Policy CertificateThe document issued by us which sets out the names of the insured persons, area of cover, level of cover, type of policy, period of insurance, additional cover options and any other specialconditions and terms used to confirm the correct cover is in place when a claim is made.Public TransportA company operating under a licence to carry passengers, working to a published timetable and /or published fares. This includes but is not necessarily limited to airlines, taxi firms, coach, ferryand rail operators.Travelling CompanionThe person you have booked to travel with on the trip but not insured on the same travel insurance policy and their immediate relative.11TripA single journey that begins and ends in the United Kingdom, starting when you leave your home address to travel to your departure point to begin your journey. The start and end dates whencover under all sections of this policy applies, (except for Cancelling Your Trip), are detailed on your policy certificate for single trip policies or in the case of annual multi trip policies, is theduration limit of each single journey taken in a 12-month period.In certain circumstances cover will cease at a different time to the stated end date on your policy certificate or your stated duration limit. For clarification, cover under your trip ends:• At midnight on the end date shown on your policy certificate even if you have not returned home, unless you have purchased an Annual Multi trip policy and you renew yourpolicy while on your trip (your total trip duration including the renewed policy cannot exceed the maximum limit). This does not apply if you are unable to return home due toa claimable event, when your policy automatically extends; or• For Annual Multi Trip policies, at midnight of the day you reach your stated maximum policy trip duration; or• When you return to your home address in the UK even if this is before your booked return date.• Upon your admission to a hospital or medical facility in the UK if we are repatriating you home under Section B10 & B11 Emergency Medical Expenses. Cover ends even if this isbefore your booked return date, or before your trip is due to end.WarArmed conflict between nations, invasion, act of foreign enemy, hostilities (whether war declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.We / Us / OurCollinson Insurance.You / Your / Insured PersonEach person named on the Policy Certificate.UKYour home country and place of residence as stated in the Residential Eligibility.12COVER TABLEThis table shows you what cover may be available under this insurance policy and is subject to the terms, conditions and exclusions already mentioned and detailed in the individual policysections. Please be aware that if your circumstances do not fit those described, then there is no cover in place.The amounts shown under ‘We will pay up to’ are the maximum amounts payable under each policy section for each insured person. Please note: Some sections have individual item limits, orlimits to the amount paid per period; please refer to the individual policy sections for these limits.The ‘Excess’ is the amount that will be deducted from your claim for each insured person.Cover We will pay up to ExcessYour Pre-Travel Policy – Trip Disruption Before You Travel SectionCancelling your trip – If you are unable to go on your trip A1 As per your policy certificate £75End Supplier Failure – If your end supplier fails financially before you leave home A2 £3,000 NilYour Travel Policy – Trip Disruption During Your Trip SectionDelay and Abandonment- If you are delayed per 12 hours B1 £20 Nil- If you are delayed maximum B2 £300 Nil- Additional transport costs outside the UK B3 £500 Nil- If you decide to abandon your travel plans B4 As per your policy certificate £75Missed Departure from the UK – If you miss your departure B5 £1,000 £75Missed Departure and Connection Outside the UK – If you miss your connection B6 £1,000 £75Substitute Accommodation – If a major incident happens while you are away B7 £1,000 £75Cutting Short Your Trip – If you have to cut short your trip B8 As per your policy certificate £75End Supplier Failure – If your end supplier fails financially while you are away B9 £3,000 NilYour Travel Policy – Medical SectionEmergency Medical Expenses and Medical Repatriation, Overseas Funeral Costs and Repatriation of Remains- If you need emergency medical treatment abroad B10 £10,000,000 £75- If you need to be brought home B11 £10,000,000 £75- Additional accommodation and travelling expenses B12 £10,000,000 £75- If you are buried or cremated abroad B13 £2,500 Nil- If your body or ashes need to be brought home B14 £25,000 NilHospital Benefit- If you are admitted to a public hospital - per 24 hours B15 £25 Nil- If you are admitted to a public hospital - maximum B16 £1,000 NilPhysiotherapy and Dental Treatment After You Return Home- If you need physiotherapy and/or dental treatment after you return home B17 £500 £7513Your Travel Policy – Personal Belongings SectionBaggage Delay – If your checked-in baggage is delayed B18 £150 NilPersonal Baggage- If your valuables are lost, stolen or accidentally damaged B19 £250 £75- If your other possessions are lost, stolen or accidentally damaged B20 £2,000 £75- If your gadgets are lost, stolen or accidentally damaged B21 £1,000 £75Money and Travel Documents- If your cash is lost or stolen B22 £200 £75- If you need emergency travel documents B23 £200 NilYour Travel Policy – Personal Accident, Personal Liability and Legal Expenses SectionPersonal Accident – If you are killed, injured or disabled following an accident B24 £25,000 NilPersonal Liability – If you are held legally liable for injury or damage B25 £2,000,000 £75Legal Expenses – If you need legal advice B26 £25,000 £7514TRIP DISRUPTION BEFORE YOU TRAVEL AND DURING YOUR TRIP SECTIONS OF COVERThis policy offers cover if your trip is disrupted by one of the events listed in each section under “If this happened” before you travel.IMPORTANT INFORMATION• Where to go first for a refund when cancelling your trip. This policy is designed to provide a refund of your unused travel and accommodation costs, at the point we are satisfied that theseexpenses cannot be refunded elsewhere. If your trip has been booked or paid for via one or more of the following, you must contact them to discuss a refund before claiming from us:• A Tour Operator.• An Airline.• Any other travel, accommodation, or service provider.• Credit or debit card provider or other payment providers such as PayPal.If you are unable to obtain a refund at first (we consider vouchers as you are receiving a refund) and we assess that your travel provider is legally obliged to refund you, we will ask you tomake a reasonable attempt to pursue payment from them before we consider your claim.• Compensation while travelling. Regulations exist to assist and compensate you when delays occur with air travel. Regulation EU261 for example offers protection when you are travellingon a European based airline or with any airline in Europe. Please approach your airline as soon as you are aware of a delay impacting your flight. If you miss your departure, have problemsconnecting or need to cut your trip short, you should also check with your travel provider, (if you booked with a tour operator the Package Travel Directive, in most circumstances offers youfinancial/non-financial assistance) to discuss if they will arrange and compensate you for onward travel.• Essential Travel / Foreign, Commonwealth and Development Office (FCDO) travel advisories. From time to time the FCDO will advise to only undertake essential travel to a particulardestination. If your trip is not essential and you choose to travel contrary to the FCDO’s advice, we will only cover a claim if the cause is not linked to the reason for the advice. This limitationapplies even if you have purchased an optional trip disruption upgrade. You may be able to travel with full cover if we authorise in writing that your trip is essential before you depart. Pleasenote there is no cover under this policy if other government regulations or actions are in place restricting travel (see Government Restrictions below).If the FCDO have advised against all travel to your destination, there is no cover under this policy apart from the Cancelling Your Trip section in the Large-Scale Events Extension Optionalupgrade.• Knowing your trip would be disrupted. There is no cover if you bought this policy or booked your trip (whichever is last) when you were aware your trip would be cancelled or disrupted.For example, you buy a policy/book a trip after the FCDO announce against travelling to your destination or after the media announce air traffic control are striking at the time you will betravelling.• Government restrictions. Apart from Cancelling Your Trip base section, there is no cover under this policy where the claim is the result of a regulation, or action of a government restrictingtravel such as locking down an area, out-lawing travel, shutting borders or revoking visas. This exclusion applies regardless of such restrictions not being in place at the time you booked thetrip. This does not include governments putting health checks or medical testing requirements in place. Please refer to the exclusions listed under each section.Trip Disruption Before You Travel and During Your Trip DefinitionsThe following list of definitions apply specifically to the Trip Disruption sections of cover and appear in bold throughout. See also General Definitions for the meaning of other bolded words.CrewEmployed staff that work and operate on a ship, aircraft or train whilst in flight/motion (this does not include ground staff or baggage handlers).Cyber TerrorismThe actual use or threat of use of disruptive activities against computers and networks, with the intention to cause harm, spread fear or cause severe disruption of infrastructure.Event dateThe point in time a natural catastrophe or terrorism event occurred as reported in the media or announced by a government, as determined by us.EpidemicAn outbreak of disease that spreads quickly and affects many individuals at the same time in a community..Natural CatastropheVolcanic activity, volcanic ash, earthquake, tsunami, hurricane, cyclone, flooding of more than 50 square kilometres, wildfire of more than 50 square kilometres.PandemicAn epidemic occurring worldwide, or over a very wide area which crosses international boundaries.15Prescription MedicationMedication prescribed by your medical practitioner which you need to prevent a deterioration or worsening of a medical condition.Terrorism EventAn event that has been declared an act of terrorism by the UK government or by the government of the country where the event happened, not including a terrorist attack that involves the useof nuclear, chemical, or biological devices or cyber terrorism.Travel and Accommodation CostsThe following costs that have been paid or are contracted to pay; which include accommodation and travel costs including excursions, park tickets, ATOL fees, booking fees, administration fees,change fees, credit card fees, seat selections, check-in fees, baggage fees, car parking expenses, cattery and kennel fee’s, car hire, and airport hotel.Travel ProviderAccommodation provider, airline, cruise operator, ferry operator, hotel, online travel aggregator, travel agent, train operator, tour operator, package travel provider.Trip Disruption Before You Travel and During Your Trip ExclusionsThe following apply to all Trip Disruption sections of cover.You are not covered for the following:1. Unused Travel and accommodation costs that you can get refunded from another source.2. Any claim where you bought this policy or booked the trip, knowing you would have to claim.3. Any claim caused by an epidemic or pandemic, (apart from some cover for COVID-19 as set out in the sections to follow).4. Claims which are the result of you not obtaining a visa or a visa being withdrawn.5. You not wanting to go on or continue with the trip.6. Where applicable, the excess for each section.7. When your trip is cancelled or disrupted because you do not have the correct vaccinations or proof of vaccinations.8. More than the maximum sum insured for each section. See the Cover Table.9. When you do not provide the documentation, we ask for to support your claim. Please refer to the Claims Evidence section.10. Any claim resulting from the Foreign, Commonwealth and Development Office advising against all travel.11. The insolvency or failure of any travel provider to provide a service due to inability to trade of any travel provider. Please note this does not apply if your policy includes the EndSupplier Sections of cover.12. Anything not listed under “If this happened” under each section.13. We will not be held liable to provide cover or make any payments or provide any service or benefit to any insured person or other party to the extent that such cover, payment, service,benefit and/or business or activity of the insured person would violate any trade or economic sanctions law or regulation.14. Any claim caused by Cyber Terrorism.15. Any claim arising from radioactive contamination, the use of, release of, or a threat to use any nuclear device, chemical, or biological weapon.16. Any claim arising from war and war like activities whether declared or not.A1 Cancelling Your Trip – If you are unable to go on your tripIMPORTANT INFORMATION• Telling your travel and accommodation provider you need to cancel. You must tell your travel provider as soon as you know you must cancel. If you delay, the cancellation charges mayincrease, and we will not cover the additional charges. If you are claiming following a diagnosis from a medical practitioner, you should contact your travel provider within 7 days of being madeaware that cancellation is necessary.• Health of non-travelling people. You may have to cancel due to the poor health of an immediate relative, travelling companion or someone you are planning to stay with. For cover to applywe require that a medical practitioner confirms in writing that when you purchased this policy or booked the trip:O The non-insured party was not seriously ill in hospital or receiving palliative care andO There was no reason to expect their state of health to deteriorate so much that you would need to cancel.• Vouchers, credit notes and reward points. Trips already refunded by a voucher or credit note cannot be claimed while still valid. For trips paid by reward points we will pay the face value of thepoints not the advertised value of a trip.16If this happened: There is no cover for:Cover applies before you leave home to start your trip. We will pay up to the sum insured forunused travel and accommodation costs when you are unexpectedly forced to cancel due toone of the reasons listed below:PART A Excluding COVID-191. The death, injury, or illness of:a. Youb. An immediate relativec. A travelling companion or their immediate relatived. A person you are planning to stay with2. A medical practitioner advises against travel due to your or your travellingcompanions underlying health conditions, including pregnancy.3. Discovering that you or your travelling companion are pregnant after the date youbought this policy or after the date the trip was booked (whichever you did last). Thebooked return date must be within 12 weeks, (16 weeks for a multiple birth), of theexpected date of delivery.4. You are called for jury service or as a witness in a court of law, but not as an expertwitness or if your employment would normally require you to attend court.5. You are made involuntarily redundant, provided you qualify for redundancy paymentunder current UK legislation.6. You are a member of the Armed Forces, Police, Fire, certified medical professional youmust stay in your home country because your leave is cancelled, or you must remainon official duty abroad.7. Your home is damaged and unsafe to leave within 7 days of the start of your trip, asconfirmed by an emergency service.8. Yours or your travelling companions passport, visa or any other document thatprevents you from leaving the UK are stolen within 7 days of the start of your trip, andyou are unable to replace them before departure.9. You are confirmed unable to participate in a pre-planned and pre-paid activity by amedical practitioner, provided the activity is the main purpose of your trip.PART B COVID-19 Cover10. The death or hospitalisation of:a. Youb. An immediate relativec. A travelling companiond. A person you are planning to stay with,due to COVID-1911. Within 14 days of the start of your trip, you test positive for COVID-19 and self-isolation is required by a medical practitioner the NHS, or any UK government body.12. You are certified as too ill to travel due to COVID-19 by a medical practitioner.1. Claims for illness or injury where a medical certificate has not been obtained from amedical practitioner confirming it was necessary to cancel the trip.2. A claim for an existing medical condition suffered by you unless we have been told of thecondition and accepted cover in writing (please see Medical Health Declaration on Page 7).3. Air passenger duty (which can be reclaimed by you through your travel agent, tour operatoror airline).4. Any costs associated with timeshares, holiday property bonds or similar arrangements apartfrom direct rental charges for the period of your trip.5. Alcohol and/or drug abuse or alcohol and/or drug dependency which is evidenced by yourmedical records or the opinion of a medical practitioner.6. If you are under the influence and/or misuse of any prescribed/un-prescribed/illegalmedication or drug.7. Claims under “If this happened” Part B 11. if you purchase this policy or book a trip afteryou test positive for COVID-19 and the start date of your trip is within 14 days.8. Claims under “If this happened” Part B 11. where you have tested positive for COVID-19and the only evidence of this is a test taken at home that is not independently verified.9. Claims when self-isolation is not mandated by a medical practitioner, the NHS, or any UKgovernment body.10. Anything listed under the Trip Disruption Exclusions.17A2 End Supplier Failure – If your end supplier fails financially before you leave homeEnd Supplier Failure DefinitionsEnd supplierthe company that owns or operates the following services: scheduled airline, hotel, train operator including Eurostar, car ferries; villas abroad & cottages in the UK; coach operator, car orcamper hire company, caravan sites, campsites, mobile home, safaris; excursions; Eurotunnel; theme parks or attractions.Financial failuremeans the end supplier becoming Insolvent or has an administrator appointed and being unable to provide agreed services.We/Our/UsLiberty Mutual Insurance Europe SE.If this happened: There is no cover for:The Insurer will pay up to the sum insured for each Insured Person named on the Invoice forirrecoverable sums paid prior to Financial Failure of the End Supplier of the travelarrangements not forming part of an inclusive holiday prior to departure.PLEASE NOTE: This section of your policy is provided by International Passenger ProtectionLimited and is underwritten by Liberty Mutual Insurance Europe SE.Any occurrence which may give rise to a claim should be advised as soon as reasonablypracticable to:IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff, CF10 3DQ, United Kingdom.You can also email: insolvency-claims@ipplondon.co.ukor visit the website: www.ipplondon.co.uk/claims.aspOr you can call: +44 (0) 345 266 1872Please quote your policy number, travel insurance policy name and reference IPP ESFI V1-22.Open 9am-5pm Weekdays Only.1. Travel or Accommodation not booked within the United Kingdom, Channel Islands, Isle ofMan, Gibraltar or Northern Ireland prior to departure.2. Any End Supplier which is, or which any prospect of Financial Failure is known by theInsured or widely known publicly at the date of the Insured’s application under this policy.3. Any loss or part of a loss which at the time the loss happened was insured or guaranteed byany other existing policy, policies, bond, or was capable of recovery under Section 75 of theConsumer Credit Act or from any bank or card issuers or any other legal means.4. The Financial Failure of any travel agent, tour organiser, booking agent or consolidator withwhom you had booked travel or accommodation.5. Any losses which are not directly associated with the incident that caused you to claim. Forexample, loss due to being unable to reach your pre-booked hotel following the FinancialFailure of an airline.18B1-B3 Delay and Abandonment – If you are delayedIf this happened: There is no cover for:This section pays out a set amount for each 12 hours your transport is delayed due to one ofthe reasons listed below.1. Industrial action.2. Bad weather not including anything listed as a natural catastrophe.3. Technical fault of transportation including bird strikes.4. Shortage of crew.We will pay up to the sum insured which applies to your trip, not each time you are delayed.Cover applies under the following circumstances:1) Delay Benefita) Leaving the UKFor costs you may incur whilst you are at the terminal, such as restaurant meals,refreshments, or even additional accommodation. Cover applies once you have arrived atyour departure point and have checked in (or attempted to check in), in the event thatyour pre-booked public transport is delayed in its departure, this benefit will be awardedfor each full 12 hours your transport is delayed up to the sum insured.b) Returning to the UKFor costs you may incur whilst you are abroad, such as restaurant meals, refreshments, oreven additional accommodation. Cover applies once you have arrived at your departurepoint and have checked in (or attempted to check in), in the event that your pre-bookedpublic transport is delayed in its departure, this benefit will be awarded for each full 12hours your transport is delayed up to the sum insured.c) Cancelled DepartureIn the event you have been notified by your transport provider that your pre-booked andpaid transport has been cancelled by which means you are abroad and have incurredcosts for additional nights’ accommodation until your revised transport is scheduled toleave. The benefit will be awarded to go towards your additional costs. Cover is limited upto the sum insured, so any costs that you incur that exceed this amount will not becovered under this benefit.Alternatively, you may wish to consider “Additional transport costs”.We are unable to pay twice under this section for c) “Cancelled Departure” and 2“Additional transport costs”.or;1. Claims caused by a government taking action to restrict travel, such as, but not limited to,locking down a geographical region, closing borders, or making your travel illegal.2. When you start your trip in the UK you are living in an area where travel has beenrestricted by the government and you are travelling against those restrictions.3. Delays caused by a natural catastrophe or a terrorism event.4. When airspace is closed.5. Trips taken just within the UK.6. Claims also paid under Missed Departure.7. If you travelled against a non-essential advisory from the Foreign, Commonwealth andDevelopment Office and the cause of the claim is related to the advisory, unless weprovided cover in writing. See information on Essential Travel.8. Anything listed under the Trip Disruption Exclusions.192) Additional transport costsIf you are outside the UK and delayed by at least 24 hours beyond your original return date,we will pay up to the sum insured for additional transport costs to return you home whenthese are not paid by your travel provider. Any costs that you incur that exceed the suminsured will not be covered under this benefit. See information on compensation whiletravelling.B4 Delay and Abandonment – If you decide to abandon your travel plansIf this happened: There is no cover for:If you are on the outward leg of your journey (to your pre-booked final destination) from theUK and delayed by at least 12 hours due to one of the reasons listed below, you can claim forunused travel and accommodation costs.or;If the only reasonable alternative transport means you will lose more than 50% of your trip,you can claim for unused travel and accommodation costs under “Cutting Short Your Trip”.1. Industrial action.2. Bad weather not including anything listed as a natural catastrophe.3. Technical fault of transportation including bird strikes.4. Shortage of crew.1. Claims caused by a government taking action to restrict travel, such as, but not limited to,locking down a geographical region, closing borders, or making your travel illegal.2. When you start your trip in the UK you are living in an area where travel has beenrestricted by the government and you are travelling against those restrictions.3. Delays caused by a natural catastrophe or a terrorism event.4. When airspace is closed.5. Trips taken just within the UK.6. Claims also paid under Missed Departure.7. If you travelled against a non-essential advisory from the Foreign, Commonwealth andDevelopment Office and the cause of the claim is related to the advisory, unless weprovided cover in writing. See information on Essential Travel.8. Anything listed under the Trip Disruption Exclusions.20B5 Missed Departure from the UK – If you miss your departureIf this happened: There is no cover for:We will pay up to the sum insured if the reason for you missing your departure is listed belowfor:Additional travel and accommodation costs to get you to your destination if you are delayedon the way to your departure point in the UK and this causes you to miss pre-bookedtransportation.OrIf the only reasonable alternative transport means you will lose more than 50% of your trip youcan claim for unused travel and accommodation costs under ‘Cutting Short Your Trip – If youhave to cut short your trip’ section.1. Delay or cancellation of public transport due to:a. Industrial actionb. Bad weather not including anything listed as a natural catastrophec. Technical fault of transportation including bird strikesd. Shortage of crew2. The vehicle you are travelling in is involved in an accident, breaks down, is delayed byan incident that causes traffic jams or road closures.3. The flight you are travelling on is diverted.1. Claims caused by any government taking action to restrict travel, such as, but not limited to,locking down a geographical region, closing borders, or making your travel illegal.2. When you start your trip in the UK you are living in an area where travel has beenrestricted by the government and you are travelling against those restrictions.3. Costs associated with repair or recovery of a vehicle.4. Delays caused by a natural catastrophe, or terrorism event.5. When airspace is closed.6. Trips taken just within the UK.7. If you travelled against a non-essential advisory from the Foreign, Commonwealth andDevelopment Office and the cause of the claim is related to the advisory ,unless weprovided cover. See information on Essential Travel.8. Anything listed under the Trip Disruption Exclusions.Ensure you discuss additional travel and accommodation needs with your travel provider before claiming from us. See Compensation While Travelling.21B6 Missed Departure and Connection Outside the UK – If you miss your connectionIMPORTANT INFORMATION• Planning Your Connections. You must plan to leave enough time between arriving at your connection point and departing for the next leg of your journey, which should be at least theminimum time recommended for transfer by your transport provider.• Return Journey. For cover to apply on your return journey to the UK, you must have a return journey booked.• How we will pay you. If you miss pre-booked transportation due to an event listed under 'If this happened' stranding you abroad. We will pay up to the sum insured which applies to your tripand not each time your trip is disrupted.• Compensation while travelling. Ensure you discuss additional travel and accommodation needs with your travel provider before claiming from us.If this happened: There is no cover for:We will pay up to the sum insured for the following:1. Additional travel and accommodation costs2. The costs of essential prescription medication when your supply runs outIf the reason for you missing your pre-booked transportation whilst outside the UK due to oneof the reasons listed below for:1. Delay or cancellation of public transport due to:a. Industrial actionb. Bad weather not including anything listed as a natural catastrophec. Mechanical fault of transportation including bird strikesd. Shortage of crew2. The vehicle you are travelling in is involved in an accident, breaks down, is delayed byan incident that causes traffic jams or road closures.3. Your flight being diverted.4. Travel documents are lost or stolen whilst you are outside the UK.1. Claims caused by any government taking action to restrict travel, such as, but not limited to,locking down a geographical region, closing borders, or making the travel illegal.2. When you start your trip in the UK you are living in an area where travel has beenrestricted by the government and you are travelling against those restrictions.3. Costs associated with repair or recovery of a vehicle.4. Delays caused by natural catastrophe or terrorism event or airspace closure.5. Trips taken just within the UK.6. Claims for the return journey when you have no return trip booked.7. The cost of prescription medication where you have not taken sufficient supplies with youto last for the original duration of your trip.8. If you travelled against the advice of the Foreign, Commonwealth and Development Officeand the cause of the claim is related to the advisory unless we provided cover in writing.See information on Essential Travel.9. Anything listed under the Trip Disruption Exclusions.B7 Substitute Accommodation – If a major incident happens while you are awayIf this happened: There is no cover for:This section covers additional accommodation costs if you are forced to move from your pre-booked accommodation and into an alternative at the same destination. You must on your tripand have checked in to your original accommodation, it must be uninhabitable for a reasonlisted below for at least 24 hours. We will pay up to the sum insured for the same standard ofaccommodation as you originally booked when your travel provider does not supply analternative.1. An outbreak of food poisoning at your accommodation that forces it to close.2. Fire or storm damage (not listed as a natural catastrophe).3. The following key services not being provided at your booked accommodation;electricity, water (including no hot water), insufficient hotel staff available due toindustrial action.Cover is also provided for the emergency replenishment of prescription medication, up to amaximum of £150, if you are unable to access your prescription medication due to a problemwith your trip accommodation.1. Claims caused by any government taking action to restrict travel, such as, but not limited to,locking down a geographical region, closing borders, or making your travel illegal.2. When you start your trip in the UK you are living in an area where travel has beenrestricted by the government and you are travelling against those restrictions.3. Damage caused by natural catastrophe or a terrorism event.4. Costs that go above the standard of accommodation you originally booked5. Trips taken just within the UK.6. The cost of prescription medication where you have not taken sufficient supplies with youto last for the original duration of your trip.7. If you travelled against a non-essential advisory from the Foreign, Commonwealth andDevelopment Office and the cause of the claim is related to the advisory, unless weprovided cover. See information on Essential Travel.8. Anything listed under the Trip Disruption Exclusions.22B8 Cutting Short Your Trip – If you have to cut short your tripIMPORTANT INFORMATION• Health of non-travelling people. You may have to cut short your trip due to the poor health of an immediate relative, travelling Companion or someone you are planning to stay with. Forcover to apply we require that a medical practitioner confirms in writing that when you purchased this policy or booked the trip:O The non-insured party was not seriously ill in hospital or receiving palliative care andO There was no reason to expect their state of health to deteriorate so much that you would need to cancel.• Vouchers, credit notes and reward points. For trips paid by vouchers, credit notes or reward points we will pay the face value of the voucher / points not the advertised value of a trip.• Contacting Us. If you need to return home early you must contact us before you travel back (Telephone 0333 005 1088) so that we can authorise any additional travel costs.If this happened: There is no cover for:If an emergency listed below forces you to end your trip earlier than your original return date,we will pay up to the sum insured for the following:1. The unused part of your travel and accommodation costs2. Additional travel costs necessary to get you home before your original return dateFor claims to be valid you must contact us before making travel arrangements back to the UKso that we can authorise additional costs to return home early.1. Unused Trip CostThe costs covered under this section must be pre-paid under contract before your tripbegins.We pay for each full 24-hour period not used from the time you:o Start the return journey; oro go into hospital as an inpatient; oro are confirmed unable to participate in a pre-planned and pre-paid activity bya medical practitioner, provided the activity is the main purpose of your trip.Where we are also paying under (2) “Additional costs to Return Home Early”, we willnot pay for the cost of your unused return flight.2. Additional Costs to Return Home EarlyWe will pay necessary additional costs over and above the cost of your original returnticket, of the same class you were due to travel home on. There is no cover if you hadnot purchased a return fare at the time you cut short your trip, or if your travelprovider transfers your original return ticket to a different flight.PART A Excluding COVID-191. The death, injury, or serious illness of:a. Youb. An immediate relativec. A travelling companion or their immediate relatived. A person you are planning to stay with2. An emergency service confirms you need to return home early due to an unexpectedevent happening while you were on your trip that has made your home unsafe to beleft uninhabited.1. Early return home claims when we did not authorise the travel arrangements.2. Claims where a medical certificate has not been obtained from the attending medicalpractitioner abroad confirming it was necessary to cut short the trip.3. A claim arising directly or indirectly from an existing medical condition suffered by youunless we have been told of the condition and accepted cover in writing (see MedicalHealth Requirements on page 7).4. Claims for death, illness or injury when you do not have a valid claim under Section B10 &B11 Emergency Medical Expenses.5. When you start your trip in the UK you are living in an area where travel has beenrestricted by the government and you are travelling against those restrictions.6. Air passenger duty (which can be reclaimed by you through your travel agent, tour operatoror airline).7. Any additional costs arising from you deciding to travel to any other destination other thanyour home country8. Any costs associated with timeshares, holiday property bonds or similar arrangements apartfrom direct rental charges for the period of your trip.9. Claims under “If this happened” part B if you purchase this policy or book a trip after youtest positive for COVID-19 and this led to your illness / hospitalisation.10. Claims under early return where you have not booked a return journey.11. If you travelled against a non-essential advisory from the Foreign, Commonwealth andDevelopment Office and the cause of the claim is related to the advisory, unless weprovided cover. See information on Essential Travel.12. Anything listed under the Trip Disruption Exclusions.233. You are a member of the Armed Forces, Police, Fire, or a certified medical professionaland your leave is cancelled necessitating the end of your trip.PART B COVID-19 Cover4. Following a positive diagnosis of COVID-19, The death or hospitalisation of:a. You.b. An immediate relative.c. A travelling companion.d. A person you are planning to stay with.5. During your trip, you test positive for COVID-19 and advised self-isolation is required bya medical practitioner, health authority or government body.24B9 End Supplier Failure – If your end supplier fails financially while you are awayEnd Supplier Failure DefinitionsEnd supplierthe company that owns or operates the following services: scheduled airline, hotel, train operator including Eurostar, car ferries; villas abroad & cottages in the UK; coach operator, car orcamper hire company, caravan sites, campsites, mobile home, safaris; excursions; Eurotunnel; theme parks or attractions.Financial failuremeans the end supplier becoming Insolvent or has an administrator appointed and being unable to provide agreed services.We/Our/UsLiberty Mutual Insurance Europe SE.If this happened: There is no cover for:In the event of Financial Failure after departure the Insurer will pay up to the sum insured foreach Insured Person named of the Invoice for:i. additional pro rata costs incurred by the Insured Person(s) in replacing that part of thetravel arrangements to a similar standard of transportation as enjoyed prior to thecurtailment of the travel arrangementsOrii. if curtailment of the holiday is unavoidable – the cost of return transportation to theUnited Kingdom, Channel Islands, Isle of Man, Gibraltar or Northern Ireland to a similarstandard of transportation as enjoyed prior to the curtailment of the travelarrangements.PLEASE NOTE: This section of your policy is provided by International Passenger ProtectionLimited and is underwritten by Liberty Mutual Insurance Europe SE.Any occurrence which may give rise to a claim should be advised as soon as reasonablypracticable to:IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff, CF10 3DQ, United Kingdom.You can also email: insolvency-claims@ipplondon.co.ukor visit the website: www.ipplondon.co.uk/claims.aspOr you can call: +44 (0) 345 266 1872Please quote your policy number, travel insurance policy name and reference IPP ESFI V1-22.Open 9am-5pm Weekdays Only.1. Travel or Accommodation not booked within the United Kingdom, Channel Islands, Isle ofMan, Gibraltar or Northern Ireland prior to departure.2. Any End Supplier which is, or which any prospect of Financial Failure is known by theInsured or widely known publicly at the date of the Insured’s application under this policy.3. Any loss or part of a loss which at the time the loss happened was insured or guaranteed byany other existing policy, policies, bond, or was capable of recovery under Section 75 of theConsumer Credit Act or from any bank or card issuers or any other legal means.4. The Financial Failure of any travel agent, tour organiser, booking agent or consolidator withwhom you had booked travel or accommodation.5. Any losses which are not directly associated with the incident that caused you to claim. Forexample, loss due to being unable to reach your pre-booked hotel following the FinancialFailure of an airline.25MEDICAL SECTIONS OF COVERThe following sections provide cover when you are receiving emergency medical treatment because of the onset of an illness or injury during your trip.Medical cover does not automatically apply when you take part in certain sports and activities. If you are taking part in winter sports, you must purchase a Winter Sports Policy. For other sportsand activities please check the Sports and Activities section of this policy on page 36-41 to see if cover applies.IMPORTANT INFORMATION• Medical Health Requirements. This insurance does not automatically provide cover for medical conditions you are already experiencing when you purchase this policy or for conditions youexperienced in the past. Please review the Medical Health Requirements on page 7.• Emergency Cover. This policy is not private medical insurance; we cover treatment which cannot wait until you return home from your trip, with the aim of ensuring you are well enough toreturn to the UK, which may include cutting your trip short, or to continue your trip as planned.• Medical Treatment. Cover applies if you are receiving medical treatment for a symptomatic illness or an injury. There is no cover if you test positive for a disease but require no medicaltreatment.• Essential Travel / Foreign, Commonwealth and Development Office (FCDO) travel advisories. From time to time the FCDO will advise to only undertake essential travel to a particulardestination. If your trip is not essential and you choose to travel contrary to the FCDO’s advice, we will only cover a claim if the cause is not linked to the reason for the advice. You may beable to travel with full cover if we authorise in writing that your trip is essential before you depart. Please note there is no cover under this policy if other government regulations or actionsare in place restricting travel (see Government Restrictions below). If the FCDO have advised against all travel to your destination, there is no cover under this policy apart from the‘Cancelling Your Trip Section in the Large Scale Events Extension optional upgrade’.• Requirement to Contact Us. You or someone acting on your behalf must contact us once you are aware you will be admitted as an inpatient for at least one night’s stay. If you do notcontact us as soon as you are aware of your admittance and this causes our costs to increase, we will only pay for the costs we would have paid if you had contacted us straight away.Additional transportation or accommodation costs are only covered when they are pre-authorised by us. Telephone number 0333 005 1088.• Outpatient Treatment. If you are in SPAIN, GREECE, CYPRUS, PORTUGAL, MALTA, EGYPT, BULGARIA or TURKEY and need out-patient medical treatment please provide a copy of your policydocumentation to the treating medical practitioner and your treatment will be paid by Global Excel Management Europe in line with the policy entitlements. You willbe asked to fill in a simple form to confirm the treatment. The medical practitioner will send the form to Global Excel together with the balance of the medical bill afterdeduction of the excess you may have paid to the medical practitioner. The medical practitioner can email these details to: europe@globalexcel.com• Reciprocal Health Agreements. Europe: If you are a United Kingdom resident you are entitled to state-provided medical healthcare when temporarily visiting countries in the EuropeanUnion (EU) only. You will have access to treatment at the same cost as residents of the country you are visiting. In some countries, state healthcare is not completely free to residents andthere may be a cost for your treatment. You can apply for a GHIC (Global Health Insurance Card) for yourself, partner, and any dependent children under the age of 16. You can apply onlineat www.ghic.org.uk. If we agree to pay for a medical expense which has been reduced by a value at least equivalent to the excess because you have used a GHIC, we will not deduct theexcess under Section B10 & B11 Emergency Medical Expenses, and Medical Repatriation.Australasia: There are reciprocal medical treatment arrangements for United Kingdom nationals travelling in Australasia. If you need medical treatment in Australia, you must enrol with alocal MEDICARE office. You do not need to enrol when you arrive, but you must do this after the first occasion you receive treatment. In-patient and out-patient treatment at a publichospital will then be available free of charge or at a minimal cost. Details of how to enrol and the free treatment available can be found by visiting the MEDICARE websitewww.medicareaustralia.gov.au.26Medical DefinitionsThe following list of definitions apply to all sections of the Medical Cover and appear in bold throughout. See also General Definitions for the meaning of other bolded words.Manual WorkWork that is physical, including construction, installation, assembly and building work. Including working with domestic or wild animals, humanitarian, carer, or work in any medical capacity. Thisdoes not include bar and restaurant staff, non-professional musicians / singers and fruit pickers (who do not use machinery).Medical PractitionerA registered practicing member of the medical profession who is not related to you or to a travelling companion or is anyone you are intending to stay with.Medical ExclusionsThe following exclusions apply to all sections of the Medical Cover.You are not covered for;1. Where applicable, the excess for each section.2. More than the maximum sum insured for each section. See the Cover Table.3. When you do not provide the documentation, we ask for to support your claim. Please refer to the Claims Evidence section.4. Any claim relating directly or indirectly to an existing medical condition unless you have told us about the condition, and we have accepted cover in writing (see Medical HealthRequirements on Page 7).5. Any other loss, damage or additional expense resulting directly or indirectly from the cause of your claim, unless we provide cover under this insurance. For example, a claim for loss ofearnings after you have been injured on a trip is not covered.6. Unnecessary exposure to risk or danger, except in an endeavour to save a human life.7. You knowingly putting yourself at risk, unless you were trying to save your own or someone else’s life.8. When you drink too much alcohol which is evidenced by one of the following:a) a medical practitioner stating that your alcohol consumption has caused or actively contributed to your injury or illness.b) the results of a blood test which shows that your blood alcohol level exceeds 0.19% which is approximately 2.5 times the legal drink driving limit in the UK.c) a witness report from a 3rd party or a police incident report.d) your own admission.9. Medical claims arising from alcohol and/or drug abuse or alcohol and/or drug dependency which is evidenced by your medical records or the opinion of a medical practitioner.10. When you are under the influence and/or misuse of any prescribed/un-prescribed/illegal medication or drug (including any solvents or substances).11. You or any person climbing, jumping, or moving balcony to balcony or across the outside of a building, regardless of the height.12. Claims if you travel against government restrictions which have been put in place to prevent or limit travel from where you live in the UK or to the destination you are travelling to. Ifyou have travelled against the Foreign, Commonwealth and Development and Development Office (FCDO) advising against non-essential trips and there are no other governmentrestrictions in place, cover is limited to claims where the cause is not linked to the reason for the FCDO advisory. See information on Essential Travel.13. Any claim resulting from the Foreign, Commonwealth and Development Office advising against all travel to your destination.14. Any claim arising as a result of you driving a motor car or riding motorcycle unless you have a full UK licence, or valid CBT certificate (DL196), are following the local safety laws and youare riding on recognised roads. In respect of motorcycling the engine capacity must be 125cc or lower, unless you have paid the additional premium and your policy schedule confirmsyou have the appropriate optional activity pack to include cover for activities involving motorcycles with the specified increased engine capacity). Riding/use of quad bikes and ATV’s isexcluded unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for these activities. Riding/useof electronic scooters is not covered at any time.15. Any claim caused by you undertaking manual work.16. Any claim where you are taking part in or training for any sport or activity in a professional capacity.17. Any claim arising from taking part in high risk activity unless you have purchased the appropriate extension.18. Claims arising when you are taking part in a sport and activity that we do not cover.19. Any claim arising or resulting from you being involved in any malicious, reckless, illegal, or criminal act including your failure to comply with the laws applicable to the country in whichyou are travelling.20. We will not be held liable to provide cover or make any payments or provide any service or benefit to any insured person or other party to the extent that such cover, payment, service,benefit and/or business or activity of the insured person would violate any trade or economic sanctions law or regulation.21. Any claim arising from radioactive contamination, the use of, release of, or a threat to use any nuclear device, chemical, or biological weapon.22. Any claim arising from war and war like activities whether declared or not.27B10-B11 Emergency Medical Expenses and Medical Repatriation – If you need emergency medical treatment abroad & If you need to be brought homeIf this happened: There is no cover for:Emergency Medical ExpensesThis section covers medical expenses, up to the sum insured, if during your tripabroad you become ill or suffer an injury and it is necessary to receive treatment froma medical practitioner as an inpatient or outpatient. Medical expenses incurred in theUK are not covered.Medical RepatriationIf there is a valid claim for emergency medical expenses, this section provides cover upto the sum insured when you are not well enough to return home as planned orcontinue your journey as planned. If you choose not to follow our instructions to berepatriated home or to be moved to a medical facility in a different location, coverageunder all sections of this policy will end. Costs must be pre-authorised by us, as soonas you are aware that you will be admitted as an inpatient for at least 1 nights stayyou, or someone acting on your behalf must contact us.Cover is provided under this section for:1. Medical costs arising from treatment received as either an inpatient or outpatient.2. Medical repatriation or evacuation costs when arranged by us.3. The cost of services provided by an ambulance or the taxi fare for the first journey to amedical facility.4. Telephone charges that you incur contacting us up to a maximum of £50.5. Taxi fares, to and from a medical facility provided the reason for the journey is for you toreceive medical treatment or collect prescribed medication up to £150.6. Emergency dental work for the relief of pain only.1. Any claim relating directly or indirectly to a pre-existing medical condition unless you havetold us about the condition, and we have accepted cover in writing (see Medical HealthRequirements on Page 7.2. Any costs when you are travelling against the advice of a medical practitioner (or would betravelling against the advice of a medical practitioner had you asked for advice).3. Any costs which in the opinion of the treating medical practitioner or in our opinion are notmedically necessary or can be delayed until your return to your home country. If thetreating medical practitioners’ opinion is not the same as our doctor’s opinion, then ourdoctor’s opinion takes priority.4. Additional costs incurred if you choose not to follow our repatriation plan.5. If you have been diagnosed with a terminal illness before starting the trip.6. A private room unless approved by us and we agree this is medically necessary.7. Medication and/or treatment which at the time you started the trip you knew would beneeded.8. The cost of COVID-19 tests.9. Any claim arising from anyone not taking prescribed medication correctly or not managing acondition correctly.10. Any costs where you are travelling for the purposes of obtaining medical or dentaltreatment, or in the knowledge that you will need treatment, tests, or investigations.11. Expenses incurred because you have not had vaccinations recommended to travel to yourdestination to protect against tropical diseases12. Medical expenses incurred in the UK.13. Search and rescue costs billed to you by a government, regulated authority or privateorganisation spent in connection with looking for and rescuing you unless it is medicallynecessary.14. Costs if you are asymptomatic and not receiving treatment to deal with an illness.15. Anything listed under the Medical Exclusions.28B12 Emergency Medical Expenses and Medical Repatriation – Additional Accommodation and Travelling ExpensesIf this happened: There is no cover for:If you have a covered claim under Emergency Medical Expenses and Medical Repatriation andwe consider it is medically necessary, this section covers the following:1. Additional costs for one person to stay with you: or2. Additional costs for one person to travel out from the UK to stay with you: or3. Additional costs for accommodation of a similar standard originally booked (if you areunable to use your original booked accommodation) within the period of the plannedtrip, or if it is medically necessary for you to stay after the date you were due toreturn home.4. Where it is necessary, we will pay to send one appropriate person to travel to you tohelp look after a child or to escort them home.No transport or accommodation costs are covered unless they are pre-authorised by us.1. Anything listed under the Medical Exclusions.B13-B14 Emergency Medical Expenses and Medical Repatriation – If you are buried or cremated abroad and If your body or ashes need to be brought homeIf this happened: There is no cover for:In the event of your death outside the UK this section will cover up to the sum insured foreither the cost of a funeral in the country in which you died or the costs of bringing yourremains back to your home country. We will make all the funeral or repatriationarrangements. Please note costs not authorised by us are not covered.1. Anything listed under the Medical Exclusions.B15-B16 Hospital Benefit – If you are admitted to a public hospitalIf this happened: There is no cover for:This section pays a set monetary amount as shown in the Cover Table, for each full 24-hourperiod you are hospitalised as an in-patient, up to a maximum number of days, provided youhave a covered claim under the Emergency Medical Expenses and Medical RepatriationSection.1. Anything listed under the Medical Exclusions.B17 Physiotherapy and Dental Treatment After You Return Home – If you need physiotherapy and/or dental treatment after you return homeIf this happened: There is no cover for:In the event that you are injured and require physiotherapy and/or dental treatment whichneeds to be continued after you return home. We will pay, up to the sum insured, towards thecost of ongoing physiotherapy and/or dental charges that we have agreed to.1. Claims where you cannot produce receipts for the additional cost of treatment.2. Anything listed under the Medical Exclusions.29PERSONAL BELONGINGS SECTIONS OF COVERThis policy offers cover if the personal belongings you own and take with you on a trip are lost, stolen, damaged or destroyed.IMPORTANT INFORMATION• How we assess how much we will pay you:1. Wear tear and loss of value. What we pay is based on the value of the items when they were lost or damaged. A deduction will be made for wear, tear and loss of value based onthe age of the property. The amount we will deduct is set out in the Depreciation Table below.2. Limits on single items / valuables and electronic equipment. A limit is applied to each single item and to all valuables and electronic equipment you have taken with you. The limitsare set out on the Cover Table.Depreciation Table – the table below sets out the amount deducted from your claim.Age of Property Clothing and Personal Effects Jewellery Electronic Equipment Cosmetics, Toiletries & Perfumes Gadgets0-1 month 0% 0% 0% 50% 0%1-6 months 5% 0% 5% 50% 5%6 – 12 months 10% 0% 10% 50% 10%1 – 2 years 15% 5% 20% 60% 20%2 – 3 years 20% 10% 30% 70% 30%3 - 4 years 25% 15% 40% 80% 40%4 – 5 years 30% 20% 50% 90% 50%6 years + 40% 25% 60% 95% 60%• You must take reasonable steps to protect your personal baggage from loss, theft, or damage:o Unattended items. Do not leave your baggage unattended. There is no cover if your belongings are lost, stolen, damaged or destroyed while unattended.o While you are in transit. Valuables and electronic equipment, money, travel documents and gadgets should be carried with you whenever possible. There is no cover for valuablesand electronic equipment, money, travel documents and gadgets that are lost or damaged when checked into the hold or left unattended unless the public transport carrierinsists, they are checked in.o Storing items while on the trip. When you are not traveling and not present in your accommodation, valuables and electronic equipment, money, travel documents and gadgetsnot taken with you must be kept in a locked safety deposit. If no safety deposit box is available, they must be stored out of plain view.• Requirement to report lost or stolen baggage: You must report lost or stolen items within 24 hours to the police and provide us with a police report. If your baggage goes missing whilein the custody of a transport provider, you need to obtain a property irregularity report from them. This includes bags that are delayed in transit.Personal Belongings DefinitionsThe following list of definitions apply specifically to the Personal Baggage sections of cover and appear in bold throughout. See also General Definitions for the meaning of other bolded words.GadgetMobile/smart phones, tablets, laptops, computers, smart watches, games consoles (including handheld consoles), wearable activity trackers, including any accessory items, and drones.Medical FittingsDentures, prosthesis and hearing aids.MoneyHard currency, i.e. bank notes and coins.Single ItemEach item carried in your personal baggage on a trip. A pair or set of items (for example earrings) will be considered a single item.30Sports Equipment- Any Cycle, including a mountain bike, powered by human pedalling and any cycling specific: helmets, hats or caps, shoes, overshoes, jerseys or vests, base layers, gilets, gloves, glassesand goggles, jackets, shorts, bib shorts, bibs, biblongs, tights, trousers, socks, warmers, compression clothing, backpacks, water bottles and cages, hydration packs, cycling lights, cycleluggage, panniers, saddle bags, cycling tools, cycling armour and guards, spare wheel.- Any Golf clubs, golf balls, golf bag, golf trolley, golf shoes and golf specific waterproof clothing.- Any Motorcycle, Moped, Crash helmet, leathers, protective clothing, boots, gloves, tail pack, tank bag.- Any Ropes, pitons and belays, crampons, ice axes, snow shoes, shovels, camping equipment including tents, sleeping bags, stoves.- Any sea going vessel and any Sailing specific: GPS Units (Global Positioning System), radios, lifesaver vest, waterproof clothing.- Any Tanks, cylinders, respirators, rebreathers, regulators, pressure gauges, depth gauges, weights, jackets and weight belts, wet suits, fins, masks, snorkels, dive bags.- Any Skis, including bindings, ski boots, ski poles and snowboards.Travel DocumentsTravel tickets, Green Card, driving licence, visas, prepaid car-hire or accommodation vouchers and passports.UnattendedWhen not in transit where you or anyone travelling with you, who has your authority to be in control of your personal baggage, are not in full view of your property, or are not able to stop athird party from taking or interfering with your property. While in transit baggage (excluding gadgets and valuables and electronic equipment) must be held in a hold or luggage area as requiredby the public transport carrier.Valuables and electronic equipmentWatches, jewellery, items made of or containing precious stones, semi-precious stones, gold, silver or platinum, camcorders and accessories, all photographic/ digital/ optical/ audio/ videomedia, iPods, MP3/4 players or similar and/or accessories, E-book readers, satellite navigation systems.Personal Belongings ExclusionsThe following exclusions apply to all sections of the Personal Belongings Cover.You are not covered for;1. Where applicable, the excess for each section.2. More than the maximum sum insured for each section. See the Cover Table.3. When you do not provide the documentation we ask for to support your claim. Please refer to the Claims Evidence section.4. Sports equipment while in use. Sports equipment can be covered if the additional premium has been paid to purchase a specific extension.5. Sports equipment when you have not purchased the appropriate extension.6. Claims for loss or theft when you are not able to provide us with a police report or a property irregularity report.7. The following items: medical fittings, boats, pedal cycles, motorised vehicles, food or drink or goods containing tobacco.8. Fragile items are not covered for damage while in transit. For example, anything made of china or glass.9. Any secondary loss, damage or additional expense arising from your claim beyond the actual value of the item you are claiming for. For example, cost of replacing locks after losing yourkeys on a trip is not covered, or the cost of travelling to an airport to pick up your baggage after it has been delayed in transit.10. Claims if you travel against government restrictions which have been put in place to prevent or limit travel from where you live in the UK or to the destination you are travelling to. Ifyou have travelled against the Foreign, Commonwealth and Development Office (FCDO) advising against non-essential trips and there are no other government restrictions in place,cover is limited to claims where the cause is not linked to the reason for the FCDO advisory. See information on Essential Travel.11. Any claim resulting from the Foreign, Commonwealth and Development Office advising against all travel to your destination.12. Loss, damage, or delay caused by confiscation or detention by Customs or other officials or authorities.13. Loss following any variation in exchange rates.14. We will not be held liable to provide cover or make any payments or provide any service or benefit to any insured person or other party to the extent that such cover, payment,service, benefit and/or business or activity of the insured person would violate any trade or economic sanctions law or regulation.15. Costs associated with downloaded content or unauthorised use of your gadget, such as calls.16. Any claim where property is lost or damaged due to radioactive contamination, the use of, release of, or a threat to use any nuclear device, chemical, or biological weapon.17. Any claim arising from war and war like activities whether declared or not.18. Items owned by a business or used for business purposes, including cash.31B18 Baggage Delay – If your checked-in baggage is delayedIf this happened: There is no cover for:Under this section we will pay up to the sum insured to contribute towards the purchase orhire of essential items if your baggage is delayed reaching you by at least 12 hours provided thedelay does not happen in the UK or on your return journey to the UK.If your baggage is permanently lost, any claim under the Personal Baggage section will bereduced by the amount paid out under Baggage Delay. You must keep all receipts for the itemsyou have purchased.1. Anything listed under the Personal Belongings Exclusions.B19-B20 Personal Baggage – If your valuables are lost, stolen or accidently damaged and If your other possessions are lost, stolen or accidently damagedIf this happened: There is no cover for:This section covers you for items owned by you that are lost, stolen, damaged or destroyedduring your trip up to the sum insured.Personal baggage items that are lost, stolen, damaged or destroyed on the trip after adeduction is made for wear, tear and loss of value (see the Depreciation Table) and a limit isapplied to each single item and to all valuables and electronic equipment.The single item limit for this section is £250.The maximum limit for valuables and electronic equipment is £250.1. Personal baggage left unattended or in the custody of any person unless they are a familymember, travelling companion or have an official responsibility for the safety andsupervision of your property.2. Valuables and electronic equipment lost, stolen or damaged in transit that have beenchecked in unless your carrier insisted the items were checked in.3. Valuables and electronic equipment not carried with you or kept in a locked safety depositbox in your accommodation when one is available. If a safety deposit box is not available,there is no cover for valuables and electronic equipment not stored safely and hidden fromplain view.4. Items stolen from an unattended vehicle unless they were kept in a locked glovecompartment, roof box, rear boot or luggage and is covered so as not to be visible fromthe outside of the vehicle and there are signs of forced entry.5. Anything listed under the Personal Belongings Exclusions.B21 Personal Baggage – If your gadgets are lost, stolen or accidently damagedIf this happened: There is no cover for:Gadget(s) that are lost, stolen or damaged on a trip. What we pay is calculated on the value ofthe gadget at the time it is lost, damaged or stolen (see Depreciation Table). The sum insuredapplies to all gadget(s) owned by all insureds named on the policy.1. Gadgets left unattended or in the custody of any person unless they are a family member,travelling companion or have an official responsibility for the safety and supervision of yourproperty.2. Gadgets lost, stolen or damaged in transit that have been checked in.3. Gadgets not locked in a safety deposit box in your accommodation.4. Gadgets stolen from an unattended vehicle.5. Claims for loss or theft of mobile phones when you cannot provide proof of usage anddisconnection.6. Anything listed under the Personal Belongings Exclusions.32B22-B23 Money and Travel Documents – If your cash is lost or stolen and If you need emergency travel documentsIf this happened: There is no cover for:This section covers the following when your money or travel documents are lost or stolenduring your trip:1. Money in any currency.2. the cost of replacement travel documents needed to get you home.3. Additional costs you incur to organise replacing travel documents apart fromadditional accommodation or transport costs to return home if you miss yourcertificated departure. You may be able to claim for these costs under MissedDeparture Outside the UK.The cash limit set out in the Cover Table relates to the amount carried by one person whetherjointly owned or carried on behalf of another person.1. Transaction or credit card fees.2. Money held on pre-paid currency cards, uncashed travellers’ cheques.3. Travel documents covered by the issuer.4. Replacement value of visas that only cover this trip.5. Money and travel documents not kept with you while you are travelling.6. Money and travel documents not kept with you or not kept in a locked safety deposit boxin your accommodation.7. Anything listed under the Personal Belongings Exclusions.33PERSONAL ACCIDENT, PERSONAL LIABILITY AND LEGAL EXPENSES SECTIONS OF COVERThe next three sections cover the following:1. Personal Accident – Payment of a benefit if you are permanently injured or die as described in the section.2. Personal Liability – Compensation you are legally responsible to pay someone you caused injury to or damage to their property.3. Legal expenses – Legal costs if you have grounds to take legal action against a party.IMPORTANT INFORMATIONThere is no cover if you are participating in certain winter sports unless you have purchased a winter sports policy. Certain sports and activities do not include cover for Personal Accident orPersonal Liability, see Sports and Activities Section on page 36-41.Personal Accident, Personal Liability and Legal Expenses DefinitionsThe following list of definitions apply to the Personal Accident, Personal Liability and Legal Expenses sections of cover and appear in bold throughout the wording.Accidental Bodily InjuryA sudden, violent, external, unexpected specific event, which occurs at an identifiable time and place, which solely and independently of any other cause results within 12 months, in the death,Loss of Limb, Loss of Sight or the Permanent Total Disablement of an Insured Person.Immediate RelativeYour mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.Loss of LimbLoss by physical severance, or the total and irrecoverable permanent loss of use or function of an arm at or above the wrist joint or a leg at or above the ankle joint.Loss of SightTotal and irrecoverable loss of sight in one or both eye’s; this is considered to have occurred if the degree of sight remaining after correction is 3/60 or less on the Snellen scale.Manual WorkWork that is physical, including, but not limited to construction, installation, assembly and building work. Including working with domestic or wild animals. Humanitarian, carer or work in anymedical capacity. This does not include bar and restaurant staff, non-professional musicians / singers and fruit / vegetable pickers.Permanent Total DisablementA disability which has lasted for at least 12 months from which we believe you will never recover, and which prevents you from carrying out any gainful occupation for which you are fitted byway of training, education, or experience.Prospect of successA view (when supported by independent legal advice) that you do have more than 51% chance of winning the case and achieving a positive outcome.Personal Accident, Personal Liability and Legal Expenses ExclusionsThe following exclusions apply to Personal Accident, Personal Liability and Legal Expenses Cover.You are not covered for;1. Where applicable, the excess for each section.2. More than the maximum sum insured for each section. See the Cover Table.3. When you do not provide the documentation we ask for to support your claim. Please refer to the Claims Evidence section.4. If at the time of the loss, injury or damage there is any other indemnity or insurance which wholly or partly covers the same occurrence, the underwriters shall not be liable to pay orcontribute towards the loss or damage except in excess of the sums recovered or recoverable under the other indemnity or insurance.5. Claims if you travel at a time when any government has imposed restrictions on travel to the geographical location you live in the UK or the area you are travelling to and you break theconditions of those restrictions.6. Exposure to risk or danger, except in an endeavour to save a human life.7. You knowingly putting yourself at risk, unless you were trying to save your own or someone else’s life.8. When You drink too much alcohol which is evidenced by one of the following;a. a medical practitioner stating that your alcohol consumption has caused or actively contributed to your injury or illness.b. the results of a blood test which shows that your blood alcohol level exceeds 0.19% which is approximately 2.5 times the legal drink driving limit in the UK.34c. a witness report from a 3rd party.d. your own admission.9. If you are under the influence and/or misuse of any prescribed/un-prescribed/illegal medication or drug (including any solvents or substances).10. You or any person climbing, jumping, or moving balcony to balcony or across the outside of a building, regardless of the height.11. Claims if you travel against government restrictions which have been put in place to prevent or limit travel from where you live in the UK or to the destination you are travelling to. Ifyou have travelled against the Foreign, Commonwealth and Development and Development Office (FCDO) advising against non-essential trips and there are no other governmentrestrictions in place, cover is limited to claims where the cause is not linked to the reason for the FCDO advisory. See information on Essential Travel.12. Any claim resulting from the Foreign, Commonwealth and Development Office advising against all travel to your destination.13. Any claim caused by you undertaking manual work.14. Any claim where you are taking part in or training for any sport or activity in a professional capacity.15. Any claim arising from taking part in winter sports unless you have purchased a specific winter sports extension.16. Any claim arising from you travelling on a cruise.17. Claims arising when you are taking part in a sport or activity that we do not cover or excludes personal liability or personal accident cover.18. Any claim arising or resulting from you being involved in any malicious, reckless, illegal, or criminal act including your failure to comply with the laws applicable to the country in whichyou are travelling.19. We will not be held liable to provide cover or make any payments or provide any service or benefit to any insured person or other party to the extent that such cover, payment, service,benefit and/or business or activity of the insured person would violate any trade or economic sanctions law or regulation.20. Any claim where property is lost or damaged due to radioactive contamination, the use of, release of, or a threat to use any nuclear device, chemical, or biological weapon.21. Any claim arising from war and war like activities whether declared or not.35B24 Personal Accident – If you are killed, injured or disabled following an accidentIf this happened: There is no cover for:The amount shown in the Cover Table will be payable to you or your legal representative ifduring a trip you suffer accidental bodily injury that solely and directly results in one of theoutcomes listed below. You can only claim for one benefit under this section.Your:1. Death or2. Loss of limb or3. Loss of sight or4. Permanent total disablementArising within one year of you suffering accidental bodily injury.1. If your disablement is caused by mental or psychological trauma not involving youraccidental bodily injury.2. If your death or disability happens over 1 year from the date of your accidental bodilyinjury.3. Claims not supported by a medical report or a death certificate.4. Any claim arising from a sports activity where Personal Accident cover is specificallyexcluded under this policy (see Sports and Activities on page 36-41).5. Any claim arising as a result of you driving a motor car or riding motorcycle unless you havea full UK licence, or valid CBT certificate (DL196), are following the local safety laws and youare riding on recognised roads. In respect of motorcycling the engine capacity must be125cc or lower, unless you have paid the additional premium and your policy scheduleconfirms you have the appropriate optional activity pack to include cover for activitiesinvolving motorcycles with the specified increased engine capacity). Riding/use of quadbikes and ATV’s is excluded unless you have paid the additional premium and your policyschedule confirms you have the appropriate optional activity pack to include cover forthese activities. Riding/use of electronic scooters is not covered at any time.6. Anything Specifically listed in the Personal Accident, Personal Liability and Legal Exclusions.B25 Personal Liability – If you are held legally liable for injury or damageIf this happened: There is no cover for:This section will cover you if during a trip you are involved in an accident which results in youbecoming legally responsible to pay compensation for:• Accidental bodily injury or death to a party other than an immediate relative or atravelling companion; and / or• Accidental loss or damage to property, which is not owned by you, an immediaterelative or a travelling companion.We will pay up to the sum insured which applies to all people named on the policy, not to eachinsured, and covers all events occurring on a trip.Cover is provided for:1. All sums you are legally responsible to pay as compensation up to the sum insured.2. Reasonable and necessary legal costs and expenses incurred by you in relation to theaccident if you have our agreement before incurring any cost.1. Any fines or exemplary damages (this means they are aimed at punishing the personresponsible rather than awarding compensation).2. Claims made by your family or people who work for you.3. Claims resulting from:a. your work or involvement in paid or unpaid manual work of any kind.b. you taking part in any activity where this policy excludes Personal Liability cover(see Sports and Activities Page 36-41).c. you owning or occupying any land or building, unless you are occupying temporaryholiday accommodation, not owned by you.d. any agreement unless liability would have existed without that agreemente. you owning, handling, riding or looking after any animal; orf. you owning, possessing or using a firearm, a horse drawn, mechanical, motorised ortowed vehicle, a waterborne vessel or craft (except manually propelled watercraft,an aircraft of any description, including unpowered flight and drones.4. Wilful or malicious acts.5. Property belonging to you or held in trust by you.6. Liability arising due to a contractual agreement which would not exist in law if such anagreement had not been made.7. Any claims where you admit liability or promise to make payment without our prior writtenconsent.8. Anything Specifically listed in the Personal Accident, Personal Liability and Legal Exclusions.36B26 Legal Expenses – If you need legal adviceIMPORTANT INFORMATION• We shall have complete control over the legal proceedings, though you have the right not to agree to use the Lawyers we propose.• You must notify us as soon as possible of any incident which may give rise to a claim, and at the latest, within 90 days of the incident happening.• Lawyers appointed must be qualified to practice in the country where the event happened or the defendant’s country of residence.• If we cannot agree on which Lawyer to nominate, we will ask the relevant national law society to choose a suitably qualified party to represent you. While this process is on-going, we willappoint a Lawyer to protect your interests.• If you are awarded damages, all sums advanced by us will be repaid out of the damages once you have received payment.• We can choose to conduct legal proceedings instituted in the United States of America or Canada under the contingency fee system operating in North America.• We will not begin legal proceedings in more than one country.If this happened: There is no cover for:This section will cover legal costs up to the sum insured to undertake a civil action for damagesif someone else causes you bodily Injury or death while you are on a trip. You must obtain ouragreement to pursue the legal action if you are claiming under this section before you startproceedings.Cover is provided for:Reasonable and necessary legal costs to undertake a civil action, up to the sum insuredprovided you obtain our agreement to pursue the legal action before you start proceedings.Additional travel expenses in the event that a court outside your home country requires you toattend in connection with an event giving rise to an action under this section, up to a maximumper insured person of £1,000.1. The pursuit of a claim against us, our agent or an Insurer underwriting any section of thispolicy, or a travel agent, tour operator public transport provider.2. Actions between Insured Persons, or actions pursued to obtain satisfaction of a judgementor legally binding decision.3. Any advice or any claim arising in connection with a trip taken within your home country.4. Any expenses spent before obtaining our agreement to pursue legal action.5. Any claim arising as a result of you driving a motor car or riding motorcycle unless you havea full UK licence, or valid CBT certificate (DL196), are following the local safety laws and youare riding on recognised roads. In respect of motorcycling the engine capacity must be125cc or lower, unless you have paid the additional premium and your policy scheduleconfirms you have the appropriate optional activity pack to include cover for activitiesinvolving motorcycles with the specified increased engine capacity). Riding/use of quadbikes and ATV’s is excluded unless you have paid the additional premium and your policyschedule confirms you have the appropriate optional activity pack to include cover forthese activities. Riding/use of electronic scooters is not covered at any time.6. Any claim where in our opinion there is an insufficient prospect of success in obtainingreasonable compensation.7. Any claim where the legal costs and expenses are likely to be greater than the anticipatedamount of compensation.8. Any claims where the legal costs and expenses are variable depending on the outcome ofthe claim.9. The costs of any appeal.10. Anything Specifically listed in the Personal Accident, Personal Liability and Legal Exclusions.37SPORTS AND ACTIVITIESThis policy automatically provides cover for a wide range of sports and activities which you may participate in during your trip without the need to pay an additional premium, provided theactivity is accessible to the general public and does not require specialist training or qualifications. Cover is subject to you using recommended safety equipment (such as a helmet, harness, kneeand/or elbow pads), and following safety procedures, rules and instructions of qualified instructors. If the sport or activity is provided by a local operator you must ensure they are appropriatelyqualified and licenced. Further cover can be added to your policy for an additional premium.To see a full list of activities covered under this policy:- click here or go to https://www.dogtag.co.uk/sports/EligibilityWe are unable to provide cover for anyone participating in any sport or activity if you are participating in or training:• For a competition or a tournament unless otherwise stated.• On a professional or semi-professional basis.Special ConditionsPlease Note: Our policy covers medical rescue where necessary. No cover is provided for any additional costs incurred to find you if people don’t know where you are.Some of the activities we cover have ‘Special Conditions’ applied when taking part. Please see key below for more details:* No Personal Accident or Personal Liability cover** Must wear/use protective/safety equipment*** As part of an event/experience run by professionals# Pre-registered (individual or group) organised competitionInshore – Within 12 nautical miles of the coastlineOffshore – Within 30 nautical miles of the coastlineWinter Sports Extension Required – You must purchase and pay for the Winter Sports Extension otherwise no cover will be in placeSport PackAbseiling (within organiser’s guidelines) *** Aerial Safaris (in chartered aircraft and an organisedexcursion) AerobicsAirsoft *, **, *** Amateur Athletic Track and Field Events * Angling (Inshore Only)Animal Sanctuary/ Refuge Work (Non-Big Game) Archaeological Digging Archery *Assault Course Badminton Bamboo Rafting (Inshore Only)Banana Boating (Inshore Only) Bar and Restaurant Work Baseball *Basketball Beach Games Biathlon *Billiards Blading (No Stunts) BMX Cycling (No Freestyle)Board Sailing (Inshore Only) * Body Boarding (Inshore Only) Boogie Boarding (Inshore Only)Bowling/ Bowls Bungee Jumping *, **, *** Cable Car RideCamel Riding/ Trekking * Canoeing/Rafting/ White Water Rafting/ Kayaking up to grade3 (Inshore Only) ** Catamaran/ Yachting/ Sailing (Inshore Only) *Cheerleading Clay Pigeon Shooting/ Small Bore Target Shooting/ Rifle Range* Climbing (on climbing wall only) **Cricket Croquet Cross Country RunningCurling Cycling (Excluding Mountain Biking, BMX and Touring) Dancing (including lesson participation)Darts Dinghy Sailing (Inshore Only) * Diving (High Diving or Spring Board) (Swimming Pools Only)Dodgeball Dog Sledding (Recreational Only) Dry Slope Skiing/ BoardingDragon Boat Racing (Inshore Only) * Elephant Riding/ Trekking * Falconry **38Fell Running (up to 4,000 metres) Fell Walking (up to 4,000 metres) Fencing *, **Fishing (Inshore Only) Fives Flag American FootballFlying as a Passenger in an Aircraft (Private Plane/ Helicopter/Glider) *, *** Football (Amateur Match and Training Only) Fruit or vegetable picking (under 3 metres)Frisbee/Ultimate Frisbee Glass bottom boats/ bubbles Gliding (Passenger Only) *, ***Go Karting (up to 120cc, wearing a helmet) * Goalball GolfGorilla Trekking (Organised Tours Only) *** Gym – Fitness GymnasticsHandball High Diving (Swimming Pools Only) Highland Games - Athletics Events (Amateur CompetitionOnly)Hiking (up to 4,000 metres) Historical/Battle Re-enactment *, *** Hobie Cat Sailing (Inshore Only) *Hockey (Field Hockey) Horse Riding (Dressage) ** Horse Riding (wearing a helmet and excluding racing, jumping,hunting and less than 7 days) **Hot Air Ballooning (Passenger Only) * Hot Dogging (up to grade 3) Hot SpringsHusky Dog Sledding Hydro Zorbing Ice Cricket *Ice Skating (Rink Only) Ice Surfing * Jet Boating (Inshore Only) *Jogging Kayaking incl. White Water up to grade 3 (Inshore Only) ** KorfballLand Skiing Langlauf (Winter Sports Extension Required) Llama Riding/ Trekking *Low Ropes Model Flying *Motorcycling (Requires a full UK licence or you must havepassed CBT training, must be wearing a helmet and riding onrecognised roads only) *, **Mountain Biking – Recreational (Not Downhill) ** Mule Trekking * NetballOctopush Off Piste Skiing (Winter Sports Extension Required) Off Piste Snowboarding (Winter Sports Extension Required)Orienteering (up to 4,000 metres above sea level) Ostrich Riding * Paintballing *, **, ***Parachuting (Tandem Only) *, **, *** Parascending/Parasailing – Over Water (Inshore Only) *, **,*** Pedalo (Inshore Only)Petanque Pigeon Racing PilatesPolo (Water) Pony Trekking *, ** PoolPower Boating (Passenger Only) – (Inshore Only) * Quoits Racquet Ball/ Rackets *Rambling (up to 4,000 metres above sea level) Rap Running/ Jumping (Within Organisers Guidelines) ** Reverse Bungee *, **, ***Rifle Range * Ringos (Inshore Only) River Bugging *, **River Sledging *, ** River Tubing *, ** River Walking *, **Roller Skating/ Blading/ In-line (incidental, wearing pads,helmet and no stunts) ** Rounders Rowing (Inshore Only)Safari in a Vehicle/ Trekking/ Tracking (organised tour, no firearms) Sailboarding (Inshore Only) Sailing/ Yachting Recreational (Inshore Only) *Sand Boarding * Sand Dunning * Sand Skiing *Sand Surfing * Sand Yachting *Scuba Diving – to a depth of 30 metres (if qualified oraccompanied by qualified instructor and Not Solo) (InshoreOnly) **Sea Canoeing/ Kayaking (Inshore Only) ** Sea Fishing (Inshore Only) Shark Diving – Professionally supervised in a cage (InshoreOnly) **, ***39Shooting (Clay Pigeon) * Shooting (Target Range) *Skin Diving – to a depth of 30 metres (if qualified oraccompanied by a qualified instructor and Not Solo) (InshoreOnly) **Skateboarding (No Stunts) ** Skiing/ Snowboarding (Winter Sports Extension Required) Skiing/ Snowboarding – Cross Country (Winter SportsExtension Required)Skiing/ Snowboarding – Dry Slope (Winter Sports ExtensionRequired)Skiing/ Snowboarding – Moguls (Winter Sports ExtensionRequired)Skiing/ Snowboarding – Mono (Winter Sports ExtensionRequired)Skiing/ Snowboarding – Nordic (Winter Sports ExtensionRequired)Skiing – Ski Racing e.g. ski school races etc (Winter SportsExtension Required) Skydiving (Tandem Only) *, **Sledding/ Sledging or Sleigh Riding – passenger only if pulledby Horse, Dogs or Reindeer (Winter Sports ExtensionRequired)Sledging/ Tobogganing (Winter Sports Extension Required) Small Bore Target Shooting *Snooker Snorkelling (Inshore Only) Snow Biking (Winter Sports Extension Required)Snow Shoeing (Winter Sports Extension Required) Soccer (Amateur Match and Training Only) SoftballSpeed Boating (Passenger Only) * Sphereing Spinning ClassSquash * Summer Tobogganing Surfing (Inshore)Swimming (Inshore Only) Swimming with Dolphins (Inshore Only) Swimming/ Bathing with Elephants (Inshore Only) *Sydney Harbour Bridge Walk (organised and walking acrossclipped onto a safety line) Table Tennis Tall Ship Crewing (Inshore Only) *Team Building Ten Pin Bowling TennisTobogganing/ Sledging (Winter Sports Extension Required) Touch Football Touch RugbyTrack Days – Car Only (In-Car Supervision Required) *, **, *** Trampolining Tree Top Trekking/ Canopy WalkingTriathlon # Tubing Tug of WarUltimate Frisbee Volleyball Wake Boarding (Inshore Only)Water Hockey Water Polo Water Skiing – No Jumping (Inshore Only)Wicker Basket Tobogganing Whale Watching (Inshore Only) Wheelchair BasketballWindsurfing (Inshore Only) Yachting Recreational (Inshore Only) * YogaZip-Lining/ Trekking/ Wiring **, *** Zorbing/ Hydro Zorbing **, ***40Sport + Pack (Includes activities listed in Sport Pack)American Football (Amateur Match and Training Only) ** Assault Courses including High Ropes Boxing (Training Only) **Brazilian Jiu Jitsu (Training Only) ** Breathing Observation Bubble (BOB) *** Canoeing/ Rafting/ White Water Rafting/ Kayaking grades 4and 5 (Inshore Only) *, **Climbing (mountaineering) up to 2,000m * Coasteering (With A Guide) ** Cyclo Cross **Deep Sea Fishing (Offshore) * Figure Skating Four x Four Off-Road Driving *, **, ***Gaelic Football Glacier Walking (Winter Sports Extension Required) Gorge Walking (With Ropes)Gymnastics (Involving Stunts) Hockey (Ball Hockey) ** Hockey (Ice Hockey) **Horse Riding (Show Jumping) ** Hurling ** Hydrospeeding (white water up to Grade 3) **, ***Ice Go Karting *, **, *** Ice Hockey ** Jet Skiing (Inshore Only) *Jiu Jitsu (Training Only) ** Judo (Training Only) ** Karate (Training Only) **Kayaking incl. White Water grades 4 and 5 (Inshore Only) *, ** Kendo (Training Only) ** Kick Boxing (Training Only) **Kite Snowboarding (Winter Sports Extension Required) Kite Surfing (Inshore Only) Krav Maga (Training Only) **Lacrosse Land Yachting Marathon – City and/ or Street #Modern Pentathlon Mountain Boarding ** Mountaineering up to 2,000m *Parascending/ Parasailing – Over Land *, **, *** Polocross *, ** Rock Climbing – up to 2,000m *Roller Derby ** Roller Hockey ** Rugby (Amateur Match and Training Only)Sailing Amateur Racing (Inshore Only) * Shinty ** Ski/ Snowboard Instructor Nordic Course (Winter SportsExtension Required)Ski/ Snowboard Instructor Adaptive/ Disabled Course (WinterSports Extension Required)Ski/ Snowboard Instructor Alpine Course (Winter SportsExtension Required)Ski/ Snowboard Instructor Coaching Course (Winter SportsExtension Required)Ski/ Snowboard Instructor In-service Course (Winter SportsExtension Required)Skiing/ Snowboarding - Back Country, with a Guide (WinterSports Extension Required)Skiing/ Snowboarding – Cat (Winter Sports ExtensionRequired)Skiing/ Snowboarding – Freestyle e.g. Terrain Park etc. NoInverted Aerials (Winter Sports Extension Required) Skiing – Ski Biking (Winter Sports Extension Required) Skiing – Ski Boarding (Winter Sports Extension Required)Skiing – Ski Dooing (Winter Sports Extension Required) * Skiing – Ski Touring (Winter Sports Extension Required) Skiing – Slopestyle – no inverted serials (Winter SportsExtension Required)Skiing – Snowcat (Winter Sports Extension Required) * Snow Blading (Winter Sports Extension Required) Snow Bobbing (Winter Sports Extension Required)Snow Mobil (Winter Sports Extension Required) * Snow Parascending (Winter Sports Extension Required) Snow Scooting (Winter Sports Extension Required) *Snow Tubing (Winter Sports Extension Required) Snowcat Driving (Winter Sports Extension Required) * Speed Sailing (Inshore Only) *Speed Skating (Winter Sports Extension Required) Storm Chasing * Street Hockey **Tae Kwon Do (Training Only) ** Telemarking (Winter Sports Extension Required) Thai Boxing/ Kick Boxing (Training Only) **Trapeze (Flying Trapeze) ** Trekking/ Hiking up to 2,000m Via Ferratta **, ***Wind Tunnel Flying Wrestling Yachting Amateur Racing (Inshore Only) *41Extreme Pack (Includes activities listed in Sport & Sport + Pack)Black Water Rafting (Grades 1-3) *, **, *** Blowcarting *, ** BMX Racing (Amateur Only) **Bouldering *, ** Bridge Swinging *, **, *** Buggying *Canyoning ** Climbing (mountaineering) up to 3,000m * Cycle Racing/ Time Trials *, **Downhill Mountain Biking (Recreational Only) ** Endurance Tests ** Flying – Tuition (with a licensed instructor) *, ***Gliding (learning with a qualified instructor) *, *** Highland Games - Heavy-Weight Events (Amateur CompetitionOnly) Horse Riding (Polo) **Horse Riding (Eventing) ** Hydrospeeding (white water Grades 4) **, *** Ice Windsurfing *Kettlebell Lifting Kite Buggying Mountain Biking – Downhill **Mountaineering up to 3,000m * Polo (Equestrian) *, ** Power Kiting *Power Lifting Quad Biking (up to 300cc) *, **, *** Rock Climbing – up to 3,000m *Scuba Diving to 50m (Must be PADI or equivalent qualified andNot Solo) ** Skateboarding Downhill ** Skateboarding Freestyle **Ski/ Snowboard Instructor Course – Residential Beginner(Winter Sports Extension Required)Skiing/ Snowboarding – Back Country, without a Guide(Winter Sports Extension Required)Skiing/ Snowboarding – Glacier (Winter Sports ExtensionRequired)Skiing /Snowboarding – Heli (Winter Sports ExtensionRequired) Skiing – Ski Blading (Winter Sports Extension Required) Skiing – Ski Race Training (Winter Sports Extension Required)Skiing – Ski Randonee (Winter Sports Extension Required) Snow Go Karting (Winter Sports Extension Required) *, ** Swimming – Long Distance, must have rescue/ support crew(Inshore Only)Time Trials – Cycling ** Trekking/ Hiking up to 3,000m Weight Lifting42Extreme + Pack (Includes activities listed in Sport, Sport + & Extreme Pack)Airboarding Boxing (Amateur Fight Only) ** Brazilian Jiu Jitsu (Amateur Fight Only) **Cave Tubing Climbing (mountaineering) up to 4,000m *, ** Cycling Endurance Events *, **Downhill Mountain Biking (Amateur Competition Only) ** Flying (Piloting) * Free Diving (Not Solo) **, ***Gliding (Piloting) * Gliding (Amateur Competition) *, *** Hot Air Ballooning (Piloting) *Ice Climbing (Winter Sports Extension Required) *, ** Ice Holing * Ice MarathonIron Man *** Jiu Jitsu (Amateur Fight Only) ** Judo (Amateur Fight Only) **Karate (Amateur Fight Only) ** Kendo (Amateur Fight Only) ** Kick Boxing (Amateur Fight Only) **Kloofing Krav Maga (Amateur Fight Only) ** Mixed Gas Diving (Must be qualified) - Not Solo **Motorcycling Off Road – Non Competitive up to 400 CC(Requires full UK Licence) *, ** Motor Paintball *, **, *** Mountain Biking – Enduro (e.g. Trans Savoie) **Mountaineering up to 4,000m *, ** Paintballing (Motor Paintball) *, **, *** Quad Biking (up to 400cc) *, **, ***Red Bull Crashed Ice Cross (Winter Sports ExtensionRequired) *, **, *** Rock Climbing – up to 4,000m *, ** Scuba Diving – Mixed Gas (Must be qualified) – Not Solo **Skeleton (Winter Sports Extension Required) * Ski/ Snowboard Instructor Course – Performance Training(Winter Sports Extension Required)Ski/ Snowboard Instructor Mountain Safety Course (WinterSports Extension Required)Ski/ Snowboard Instructor Ski/ Snowboard Alpine Courses –Eurotest etc (Winter Sports Extension Required)Skiing/ Snowboarding – Para (Winter Sports ExtensionRequired)Skiing – Ski Cross/ Snowboard Cross (Winter Sports ExtensionRequired)Skiing – Ski Flying (Winter Sports Extension Required) Skiing – Ski Stunting – no inverted aerials (Winter SportsExtension Required)Snowboarding – Snowboard Cross (Winter Sports ExtensionRequired)Strongest Man/ Strongest Women Competition *** Swimrun *, **, *** Tae Kwon Do (Amateur Fight Only) **Thai Boxing/ Kick Boxing (Amateur Fight Only) ** Tough Mudder *** Trekking/ Hiking up to 4,000m **Super Extreme Pack (Includes activities listed in Sport, Sport +, Extreme & Extreme + Pack)Black Water Rafting (Grades 4-6) *, **, *** BMX Freestyle ** Bobsleigh (Winter Sports Extension Required) *, **Climbing (mountaineering) up to 6,000m *, ** Downhill Mountain Biking (Megavalanche or Similar Event) ** Hang Gliding (Piloting or Passenger) *, ***Kilimanjaro Trekking ** Micro Lighting * Motorcycling Off Road – Non Competitive over 400 CC(Requires full UK Licence) *, **Mountain Biking – Freestyle ** Mountaineering up to 6,000m *, ** Paragliding (Piloting or Passenger) *, **, ***Paramotoring (Piloting or Passenger) *, **, *** Power Gliding (Piloting or Passenger) *, *** Rock Climbing – up to 6,000m *, **Rock Scrambling – up to 4,000m *, ** Track Days – Car or Motorcycle *, **, *** Trekking/ Hiking over 4,000m **Trekking – Kilimanjaro ** Trekking – Everest Base Camp **43Referral RequiredIf you are planning to take part in any of the activities shown below, you will need to contact us at enquiries@dogtag.co.uk to discuss further. These are considered to be extremely risk activitiesand we need to check number of things with you before we can confirm cover.When you contact us, please provide us with the following information to help us make our decision:- Traveller Age(s)- Experience/Qualifications- Duration of trip- Destination- Policy Type (Single Trip/Multi Trip)- Group Size- 3rd Party Search and Rescue Plans- Medical ConditionsAdventure Racing (Any Duration) Arctic Expeditions (including any remote area of the globe) * Cave Diving *Climbing (mountaineering) Over 6,000m *, ** Cycle Touring Ice Diving *Jungle Marathon, Arctic Marathon, UTMB etc *, ***, # Luge/ Bobsleigh (Winter Sports Extension Required) * Marathon – Arctic *, ***, #Marathon – Ultra Marathons e.g. Marathon des Sables *, ***, # Mountaineering Over 6,000m *, ** Potholing/ Caving – Not Solo *, **Rock Climbing – Over 6,000m *, ** Sailing Recreational (Offshore) * Sailing Amateur Racing (Offshore) *Skiing – Ski Jumping (Winter Sports Extension Required) Skiing – Ski Mountaineering (Winter Sports Extension Required) Skiing – Ski Racing (Winter Sports Extension Required)Ultra Marathon e.g. Marathon des Sables, Untra Trail etc *, ***, # Yachting Recreational (Offshore) * Yachting Amateur Racing (Inshore Only) *44MAKING A COMPLAINTIf your complaint relates to the sales literature, the way in which your policy was sold to you, the Medical Screening Service or regarding information about your policy, please contact:Complaints ManagerDOGTAG Complaints1 Tower ViewKings HillWest MallingKentME19 4UYEmail: complaints@tifgroup.co.ukTelephone: 0333 005 1086Open: 9am – 5pm Monday – FridayIf your complaint relates to a claim, or assistance you received whilst travelling, please contact:Quality DepartmentCollinson Insurance Services LimitedSussex HousePerrymount RoadHaywards HeathWest SussexRH16 1DNEmail: Complaints@collinsoninsurance.comTelephone: 0333 005 1087If your complaint relates to the End Supplier Failure Insurance sections of cover or claims, please contact:End Supplier Failure Insurance - ESFICompliance OfficerLiberty Mutual Insurance Europe SE, 20 Fenchurch Street, London, EC3M 3AW.Email: complaints@libertyglobalgroup.com Telephone: +44 (0)203 758 0840Please quote your policy and/or claim number.Our promise of service – We will aim to provide you with a full response within 4 weeks of the date we receive your complaint, and our response will be our final decision based on the evidencepresented. If for any reason there is a delay in completing our investigations, we will explain why and tell you when we hope to reach a decision. In any event, should you remain dissatisfied orfail to receive a final answer within 8 weeks of us receiving your complaint, you may have the right to refer your complaint to an independent authority for consideration. That authority is:Financial Ombudsman Service (FOS)Exchange TowerHarbour Exchange SquareLondonE14 9SREmail: complaints.info@financial-ombudsman.org.ukTelephone: (Landline) 0800 0234 567 or (Mobile) 0300 1239 123More information can be found on their website – www.financial-ombudsman.org.uk. Please note that if you wish to refer this matter to the FOS you must do so within 6 months of our finaldecision. You must have completed the above procedure before the FOS will consider your case. Your legal rights are not affected.45DATA PROTECTIONHow we use the information about youAs an insurer and data controller: We collect and process information about you so that we can provide you with the products and services you have requested. We also receive personalinformation from DOGTAG, a trading name of Travel Insurance Facilities Plc, on a regular basis while your policy is still live. This will include your name, address, health information, risk detailsand other information which is necessary for us to:- Meet our contractual obligations to you.- issue you this insurance policy.- deal with any claims or requests for assistance that you may have; service your policy including claims and policy administration, payments, and other transactions); and detect,investigate, and prevent activities which may be illegal or could result in your policy being cancelled or treated as if it never existed.- Protect our legitimate interests.Some of the personal information that you provide may be sensitive information. This includes details about your health or medical records. Where we need your consent to collect and processyour sensitive information, this will be obtained from you at the relevant time. Please note that, in these cases, we may not be able to sell you an insurance policy or deal with a claim if you donot agree to us processing relevant sensitive information.In order to administer your policy and deal with any claims, your information may be shared with trusted third parties. This will include members of The Collinson Group, contractors,investigators and claims management organisations where they provide administration and management support on our behalf. Some of these companies are based outside of the EuropeanUnion where different Data privacy laws apply. Wherever possible, we will have strict contractual terms in place to make sure that your information remains safe and secure.We will not share your information with anyone else unless you agree to this, or we are required to do this by our regulators (e.g. the Financial Conduct Authority) or other authorities.The personal information we have collected from you will be shared with fraud prevention agencies and databases who will use it to prevent fraud and money-laundering and to verify youridentity. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies anddatabases, and your data protection rights, can be found by visiting www.cifas.org.uk/fpn and www.insurancefraudbureau.org/privacy-policy/.Processing your data:Your data will generally be processed on the basis that it is: necessary for the performance of the contract that you have with us; is in the public or your vital interest: or for our legitimatebusiness interests. If we are not able to rely on the above, we will ask for your consent to process your data.How we store and protect your information:All personal information collected by us is stored on secure servers which are either in the United Kingdom or European Union. We will need to keep and process your personal informationduring the period of insurance and after this time so that we can meet our regulatory obligations or to deal with any reasonable requests from our regulators and other authorities. We alsohave security measures in place in our offices to protect the information that you have given us.How you can access your information and correct anything which is wrongYou have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information, please contact us by email or in writing asshown below.Data Protection Officer, Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1DNEmail: data.protection@collinsongroup.com.We may make a reasonable charge for this service or refuse to give you this information if your request is clearly unjustified or excessive. We want to make sure that your personal informationis accurate and up to date. You may ask us to correct or remove information you think is inaccurate. If you wish to make a complaint about the use of your personal information, please contactour Date Protection Officer using the details above. You can also complain directly to the Information Commissioner’s Office (ICO). Further information can be found at https://ico.org.uk.46READY TO GO?So, you’re all packed and just about ready to go. We have included a check list to help ensure that you haven’t forgotten anything!• Check that your travel insurance covers the whole duration of your trip and any activities that you plan on trying.• Check your travel documents:o Is your passport up to date, and is it valid for a least 6 months after the date you are due to come home?o Make two photocopies of your passport, tickets and travel insurance documents and leave one set at home (maybe let family/friends know where they are kept in case of anemergency). Take the other set with you but keep them separate from the originals.o Make sure you have important contact numbers in your phone just in case.• Check with your GP to ensure that you have had any necessary vaccinations and/or medications.• Know your destination:o It is always worth checking out any local laws and customs before you get there.o Pack a guide book.o Check the FCDO website www.gov.uk/browse/abroad• Tell family/friends about your trip and make sure they know where you are going and how to get hold of you in an emergency.• When you are abroad:o Make sure your travel documents, passport, money and insurance documents are kept in a safe place.o Stick to safe filtered water and keep yourself well hydrated when you are out in the sun.o Always wear protective sunscreen when you are out and about, even if you are on the ski slopes! (but make sure the one you buy doesn’t contain the chemical Oxybenzone asit bleaches the sea coral).o Check out local information in your guidebook or online so that you are aware of any local holidays and nearby public medical facilities.o It is always a good idea to keep all your receipts just in case you need them for future reference.• Getting medical treatment abroado Often the best doctors, treatment and optimal care are found in the regulated state and public hospitals and medical facilities no matter where you are in the world. Theymight not always look as nice as some private facilities, but we have seen numerous good clinical outcomes which don’t come with the risk of immoral and dangerous practices,extortion, over treatment, detainment and withdrawal of treatment which we have seen happen in some private facilities all over the world.o Some medical facilities will raise charges that are far in excess of what is customary and reasonable. We will deal with such bill directly with the facility and there is no need foryou to pay them. You simply need to pass any and all correspondence about such bills to us to ensure we can provide financial protection.V1 DT ST & MT SEPT23

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DOGTAG Travel Insurance Cycling Extension For policies issued between 01/09/2023 to 31/08/2024This policy is for residents of the United Kingdomand the Channel Islands only.This extension has been specially arranged and is administered on behalf of DOGTAG by tifgroup.DOGTAG and tifgroup are trading names of Travel Insurance Facilities Plc, which is authorised and regulated by the Financial Conduct Authority FRN:306537. These details can be checked on the Financial Services Register at:www.fca.org.ukUnless otherwise stated your policy is insured by Collinson Insurance. Collinson Insurance is a trading name of Astrenska Insurance Limited who is authorised by the Prudential Regulation Authority and regulated by the Financial ConductAuthority and Prudential Regulation Authority. Their Financial Services Register Number is 202846. These details can be checked on the Financial Services Register at: www.fca.org.uk3CYCLING EXTENSION INFORMATIONABOUT YOUR CYCLING DIVING EXTENSIONThis booklet is an extension of your main DOGTAG Travel Insurance Policy Wording.Please Note: This extension will only apply if you have paid the appropriate additional premium and it is listed on your policy certificate. All the things we told you about in the main policywording will also apply to this extension.This booklet provides details of the extra cover you have if the appropriate additional premium has been paid. It will also tell you about any new terms and conditions that apply.This extension booklet forms part of the contract of insurance between the underwriters, Collinson Insurance and those people specified on your policy certificate and must be read togetherwith the main policy wording and your policy certificate. Please check your policy certificate carefully to ensure the cover you have purchased meets your needs. This contract is only valid whenyou have a valid policy certificate and have paid the appropriate premium.Both we and you are entitled to choose the law applicable to the insurance. We propose English Law and in the absence of any agreement to the contrary, English Law will apply.This policy is insured by Collinson Insurance. Collinson Insurance is a trading name of Astrenska Insurance Limited who is authorised by the Prudential Regulation Authority and regulated by theFinancial Conduct Authority and Prudential Regulation Authority. Their Financial Service Register Number is 202846. These details can be checked on the Financial Services Register websitewww.fca.org.uk.FRAUDIf a claim is found to be fraudulent in any way, including use of fraudulent means to obtain any benefit, this policy shall become void meaning it no longer exists from the date of the fraudulentclaim and the premium paid will be lost. Any benefits received by you for any claim found to be fraudulent, must be repaid to us. We may inform the police or the appropriate authorities of thecircumstances.RESIDENTIAL ELIGIBILITYTo be eligible to purchase this policy your home address must be in the UK and you must be registered with a General Practitioner in the UK.SUMS INSURED AND EXCESSESEach section of the policy has a limit on the amount we will pay for each insured person, called the sum insured. Claims under most sections of the policy will be subject to an excess, which alsovaries by level of cover. The sums insured, inner limits and excess amount for each section are set out in the Cover Table. Please check the Cover Table against your policy certificate to ensurethe level of cover you have purchased meets your needs.Excesses apply for each claim logged with us, for each section of the policy you are claiming under and for each insured person who is making a claim. When we are settling a claim directly withyou, we will deduct the excess from the claim payment before you receive it. Where we are settling claims directly with a medical provider or other supplier, you will be responsible for paying usthe excess.FINANCIAL SERVICE COMPENSATION SCHEMEWe are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS, if we are unable to meet our obligations. More information can beobtained from the www.fscs.org.uk website.4MAKING A CLAIMFirst, check your policy certificate and the appropriate section of your policy wording to make sure that what you are claiming for is covered. You can set up a claim online or by telephone, youmust ensure that you have all relevant documents and any receipts, please see claims evidence below.• Online collinson.claimhere.co.uk or via the customer area https://quote.dogtag.co.uk/secure?action=memberlogin• Telephone 0333 005 1087All claims must be submitted within 60 days of your return from your trip. You must assist us in providing all requested information, including completing any requested forms, or you mayexperience a delay in the processing of your claim. When claims settlements are made by BACS (Bank Automatic Clearing System) or other electronic banking system method, you will beresponsible for supplying us with the correct bank account details and your full authority for us to remit monies directly to that account. Provided that payment is remitted to the bank accountdesignated by you, we shall have no further liability or responsibility in respect of such payment, and it shall be your sole responsibility to make collection of any misdirected payment in theevent of incorrect details having been provided to us.Claims & assistance services are administered by Collinson Insurance Services Ltd.24-hour Emergency Medical AssistanceYou must contact the medical emergency service once you know you will be in a medical facility for at least 24 hours• Telephone 0333 005 1088Depreciation Table – the table below sets out the amount deducted from your claim.Age of Property Cycling Equipment0-1 month 5%1-6 months 10%6 – 12 months 15%1 – 2 years 35%2 – 3 years 55%3 - 4 years 70%4 – 5 years 80%6 years + 100%5CLAIMS EVIDENCEBefore a claim can be paid, you may be asked to provide supporting documentation to validate cover and the circumstances of the loss. The table below sets out what documentation you maybe asked to provide. Depending on the details of each claim we may ask for additional or different supporting documentation to that listed below.Section(s) DocumentationAll Sections - Policy Certificate.- Proof that you booked travel and accommodation, such as a booking invoice.If you have to hire a bicycle and/or cycling equipment, If your bicycle and/or cycling equipmentis lost, stolen or accidentally damaged.- A police report or written report from your accommodation or travel provider detailingyour reported loss- A police report for any lost/stolen item(s)- Property irregularity report from an airline- Written confirmation from the airline or travel company stating the length of delay- Proof of ownership and value of items claimed for such as receiptsESSENTIAL TRAVEL & FOREIGN, COMMONWEALTH AND DEVELOPMENT OFFICE TRAVEL ADVISORIES• Essential Travel / Foreign, Commonwealth and Development Office (FCDO) travel advisories. From time to time the FCDO will advise to only undertake essential travel to a particulardestination. If your trip is not essential and you choose to travel contrary to the FCDO’s advice, we will only cover a claim if the cause is not linked to the reason for the advice. This limitationapplies even if you have purchased an optional trip disruption upgrade. You may be able to travel with full cover if we authorise in writing that your trip is essential before you depart. Pleasenote there is no cover under this policy if other government regulations or actions are in place restricting travel (see Government Restrictions below).If the FCDO have advised against all travel to your destination, there is no cover under this policy apart from the Cancelling Your Trip section in the Large-Scale Events optional upgrade.6GENERAL DEFINITIONSThe words listed below when shown in bold text will always have the meaning set out below.HomeThe address where you live in the United Kingdom, Channel Islands or Isle of Man and where you are registered with a General Practitioner.Home CountryThe United Kingdom, Channel Islands or the Isle of ManImmediate RelativeYour mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.Medical PractitionerA registered practicing member of the medical profession who is not related to you or to a travelling companion or is anyone you are intending to stay with.Policy CertificateThe document issued by us which sets out the names of the insured persons, area of cover, level of cover, type of policy, period of insurance, additional cover options and any other specialconditions and terms used to confirm the correct cover is in place when a claim is made.Public TransportA company operating under a licence to carry passengers, working to a published timetable and /or published fares. This includes but is not necessarily limited to airlines, taxi firms, coach, ferryand rail operators.Travelling CompanionThe person you have booked to travel with on the trip but not insured on the same travel insurance policy and their immediate relative.TripA single journey that begins and ends in the United Kingdom, starting when you leave your home address to travel to your departure point to begin your journey. The start and end dates whencover under all sections of this policy applies, (except for Cancelling Your Trip), are detailed on your policy certificate for single trip policies or in the case of annual multi trip policies, is theduration limit of each single journey taken in a 12-month period.In certain circumstances cover will cease at a different time to the stated end date on your policy certificate or your stated duration limit. For clarification, cover under your trip ends:• At midnight on the end date shown on your policy certificate even if you have not returned home, unless you have purchased an Annual Multi trip policy and you renew yourpolicy while on your trip (your total trip duration including the renewed policy cannot exceed the maximum limit). This does not apply if you are unable to return home due toa claimable event, when your policy automatically extends; or• For Annual Multi Trip policies, at midnight of the day you reach your stated maximum policy trip duration; or• When you return to your home address in the UK even if this is before your booked return date.• Upon your admission to a hospital or medical facility in the UK if we are repatriating you home under the Emergency Medical Expenses Section of your main policy. Cover endseven if this is before your booked return date, or before your trip is due to end.UKYour home country and place of residence as stated in the Residential Eligibility.WarArmed conflict between nations, invasion, act of foreign enemy, hostilities (whether war declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.We / Us / OurCollinson Insurance.You / Your / Insured PersonEach person named on the Policy Certificate.7COVER TABLEThis table shows you what cover is available under this insurance policy extension and is subject to the terms, conditions and exclusions already mentioned in the main policy and detailed in theindividual policy sections. Please be aware that if your circumstances do not fit those described, then there is no cover in place.The amounts shown under ‘We will pay up to’ are the maximum amounts payable under each policy section for each insured person. Please note: Some sections have individual item limits, orlimits to the amount paid per period; please refer to the individual policy sections for these limits.The ‘Excess’ is the amount that will be deducted from your claim for each insured person. This will mirror the Excess on your main policy.Cover We will pay up to ExcessYour Cycling Extension Sections of Cover SectionBicycle and Cycling Equipment Hire- If you have to hire a bicycle and/or cycling equipment – per 12 hours CY1 £200 Nil- If you have to hire a bicycle and/or cycling equipment – maximum CY2 £1,000 NilBicycle and Cycling Equipment- If your bicycle and/or cycling equipment is lost, stolen or accidentally damaged CY3 £5,000 As per your main policyTrip Disruption During Your Trip- If you cannot use your bicycle for more than 12 hours – Hire or Replacement Travel Expenses CY4 £200 Nil- If you need roadside recovery CY5 £200 As per your main policy- If you have to collect your bicycle after you have returned home – Travel and Accommodation Expenses CY6 £500 As per your main policy- If you have to collect your bicycle after you have returned home – Storage Costs CY7 £250 As per your main policy- If you are unable to participate on the date of an event CY8 £300 As per your main policy8CYCLING EXTENSION SECTIONS OF COVERCycling Extension DefinitionsThe following list of definitions apply specifically to the Cycling Extension sections of cover and appear in bold throughout. See also General Definitions for the meaning of other bolded words.BicycleAny cycle, including a mountain bike, powered by human pedalling.Cycling EquipmentCycling specific: helmets, hats or caps, shoes, overshoes, jerseys or vests, base layers, gilets, gloves, glasses and goggles, jackets, shorts, bib shorts, bibs, biblongs, tights, trousers, socks, warmers,compression clothing, backpacks, water bottles and cages, hydration packs, cycling lights, cycle luggage, panniers, saddle bags, cycling tools, cycling armour and guards, spare wheel.UnattendedWhen not in transit where you or anyone travelling with you, who has your authority to be in control of your personal baggage, are not in full view of your property, or are not able to stop athird party from taking or interfering with your property. While in transit baggage (excluding gadgets and valuables and electronic equipment) must be held in a hold or luggage area as requiredby the public transport carrier.Cycling Extension ExclusionsThe following apply to all Cycling Extension sections of cover.You are not covered for the following:1. Where applicable, the excess for each section.2. More than the maximum sum insured for each section. See the Cover Table.3. When you are unable to provide the documentation we ask for to support your claim. Please refer to the Claims Evidence section.4. Claims if you travel against government restrictions which have been put in place to prevent or limit travel from where you live in the UK or to the destination you are travelling to. Ifyou have travelled against the advice of the Foreign, Commonwealth and Development Office (FCDO) and there are no other government restrictions in place, cover is limited to claimswhere the cause is not linked to the reason for the FCDO advisory. See information on Essential Travel.5. Claims caused by any government taking action to restrict travel, such as, but not limited to, locking down a geographical region, closing borders, or making travel illegal.6. There is no cover if you bought this policy or booked your trip (whichever is last) if you were aware at the time of an event that led to you making a claim.7. We will not be held liable to provide cover or make any payments or provide any service or benefit to any insured person or other party to the extent that such cover, payment,service, benefit and/or business or activity of the insured person would violate any trade or economic sanctions law or regulation.8. Any claim where property is lost or damaged due to radioactive contamination, the use of, release of, or a threat to use any nuclear device, chemical, or biological weapon.9. Any claim arising from war and war like activities whether declared or not.9CY1-CY2 Bicycle and Cycling Equipment Hire – If you have to hire a bicycle and/or cycling equipmentIf this happened: There is no cover for:If your bicycle and/or cycling equipment is lost, stolen or accidentally damaged during yourtrip or delayed by at least 12 hours, you can claim for the cost of hiring replacement bicycleand/or cycling equipment up to the sum insured.For cover to apply for delay, you must be able to evidence the length of time your bicycleand/or cycling is delayed by obtaining a report from your carrier or if your claim relates to loss,theft or accidental damage you must have a valid claim under the Bicycle and CyclingEquipment Section.You must keep all receipts for the items you have hired.1. Claims for hiring replacement items when you cannot provide a receipt.2. Anything listed under the Cycling Extension Exclusions.CY3 Bicycle and Cycling Equipment – If your bicycle and/or cycling equipment is lost, stolen or accidentally damagedIf this happened: There is no cover for:This section covers you for bicycle and/or cycling items owned or hired by you that are lost,stolen or accidentally damaged during your trip up to the sum insured.Cover is provided for bicycle and/or cycling equipment that is lost, stolen or accidentallydamaged on the trip after a deduction is made for wear, tear and loss of value (see theDepreciation Table) and a limit is applied to each single item. This limit is £2,500.1. Claims for loss or theft not reported to the police, the cruise operator or carrier within24 hours and a written report obtained.2. Items left unattended.3. Loss, damage, or delay caused by confiscation or detention by Customs or other officials orauthorities.4. Anything listed under the Cycling Extension Exclusions.CY4 Trip Disruption During Your Trip – If you cannot use your bicycle for more than 12 hoursIf this happened: There is no cover for:Under this section we will pay up to the sum insured to contribute towards the cost of hiring areplacement bicycle in the event that your bicycle cannot be used for 12 hours or more due todamage caused by an accident, mechanical failure or if it was stolen during your trip.1. Claims for costs after the bicycle has been repaired and can be ridden.2. The cost of the repairs to your bicycle.3. Costs where you cannot produce receipts for your additional expenditure.4. Anything listed under the Cycling Extension Exclusions.CY5 Trip Disruption During Your Trip – If you need roadside recoveryIf this happened: There is no cover for:Under this section we will pay up to the sum insured towards the cost of transporting you andyour bicycle by public transport, taxi or public hire car back to you trip accommodation if yourbicycle becomes irreparable whilst you are riding it away from your trip accommodation duringyour trip.1. Costs where you cannot produce receipts for your additional expenditure.2. Anything listed under the Cycling Extension Exclusions.10CY6-CY7 Trip Disruption During Your Trip – If you have to collect your bicycle after you have returned homeIf this happened: There is no cover for:In the event that you are taken ill, injured or died, or if the repairs or recovery of your bicyclecould not be completed in time and you had to return home without your bicycle. This sectioncovers you up to the sum insured for you, or someone on your behalf, to go and collect yourbicycle after you have returned home.This section will also pay up to the amount shown in the Cover Table, for the cost of storagefees incurred.1. Claims related to illness, injury or death where you do not have a valid claim under the ‘Ifyou need emergency medical treatment abroad’ section of your main policy.2. Claims related to the repair or recovery of your bicycle where you cannot produce anyverification that your bicycle was still awaiting repair/recovery at the point you were due toreturn home.3. Costs where you cannot produce receipts for your additional expenditure.4. Anything Specifically listed in the Cycling Extension Exclusions.CY8 Trip Disruption During Your Trip – If you are unable to participate on the day of an eventIf this happened: There is no cover for:If you have a valid claim under the ‘Cancelling Your Trip’ or ‘Cutting Short Your Trip’ Section ofyour main policy for unexpected illness, injury or death we will pay for the unused entry feesfor a cycling event you have paid or are contracted to pay provided these costs are notrefundable from any other source.1. Claims where you cannot provide written confirmation from the organisers, trainers or theresort management confirming the unused event fees.2. Anything listed under the Cycling Extension Exclusions.11MAKING A COMPLAINTIf your complaint relates to the sales literature, the way in which your policy was sold to you, the Medical Screening Service or regarding information about your policy, please contact:Complaints ManagerDOGTAG Complaints1 Tower ViewKings HillWest MallingKentME19 4UYEmail: complaints@tifgroup.co.ukTelephone: 0333 005 1086Open: 9am – 5pm Monday – FridayIf your complaint relates to a claim, or assistance you received whilst travelling, please contact:Quality DepartmentCollinson Insurance Services LimitedSussex HousePerrymount RoadHaywards HeathWest SussexRH16 1DNEmail: Complaints@collinsoninsurance.comTelephone: 0333 005 1087Our promise of service – We will aim to provide you with a full response within 4 weeks of the date we receive your complaint, and our response will be our final decision based on the evidencepresented. If for any reason there is a delay in completing our investigations, we will explain why and tell you when we hope to reach a decision. In any event, should you remain dissatisfied orfail to receive a final answer within 8 weeks of us receiving your complaint, you may have the right to refer your complaint to an independent authority for consideration. That authority is:Financial Ombudsman Service (FOS)Exchange TowerHarbour Exchange SquareLondonE14 9SREmail: complaints.info@financial-ombudsman.org.ukTelephone: (Landline) 0800 0234 567 or (Mobile) 0300 1239 123More information can be found on their website – www.financial-ombudsman.org.uk. Please note that if you wish to refer this matter to the FOS you must do so within 6 months of our finaldecision. You must have completed the above procedure before the FOS will consider your case. Your legal rights are not affected.12DATA PROTECTIONHow we use the information about youAs an insurer and data controller: We collect and process information about you so that we can provide you with the products and services you have requested. We also receive personalinformation from DOGTAG, a trading name of Travel Insurance Facilities Plc, on a regular basis while your policy is still live. This will include your name, address, health information, risk detailsand other information which is necessary for us to:- Meet our contractual obligations to you.- issue you this insurance policy.- deal with any claims or requests for assistance that you may have; service your policy including claims and policy administration, payments, and other transactions); and detect,investigate, and prevent activities which may be illegal or could result in your policy being cancelled or treated as if it never existed.- Protect our legitimate interests.Some of the personal information that you provide may be sensitive information. This includes details about your health or medical records. Where we need your consent to collect and processyour sensitive information, this will be obtained from you at the relevant time. Please note that, in these cases, we may not be able to sell you an insurance policy or deal with a claim if you donot agree to us processing relevant sensitive information.In order to administer your policy and deal with any claims, your information may be shared with trusted third parties. This will include members of The Collinson Group, contractors,investigators and claims management organisations where they provide administration and management support on our behalf. Some of these companies are based outside of the EuropeanUnion where different Data privacy laws apply. Wherever possible, we will have strict contractual terms in place to make sure that your information remains safe and secure.We will not share your information with anyone else unless you agree to this, or we are required to do this by our regulators (e.g. the Financial Conduct Authority) or other authorities.The personal information we have collected from you will be shared with fraud prevention agencies and databases who will use it to prevent fraud and money-laundering and to verify youridentity. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies anddatabases, and your data protection rights, can be found by visiting www.cifas.org.uk/fpn and www.insurancefraudbureau.org/privacy-policy/.Processing your data:Your data will generally be processed on the basis that it is: necessary for the performance of the contract that you have with us; is in the public or your vital interest: or for our legitimatebusiness interests. If we are not able to rely on the above, we will ask for your consent to process your data.How we store and protect your information:All personal information collected by us is stored on secure servers which are either in the United Kingdom or European Union. We will need to keep and process your personal informationduring the period of insurance and after this time so that we can meet our regulatory obligations or to deal with any reasonable requests from our regulators and other authorities. We alsohave security measures in place in our offices to protect the information that you have given us.How you can access your information and correct anything which is wrongYou have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information, please contact us by email or in writing asshown below.Data Protection Officer, Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1DNEmail: data.protection@collinsongroup.com.We may make a reasonable charge for this service or refuse to give you this information if your request is clearly unjustified or excessive. We want to make sure that your personal informationis accurate and up to date. You may ask us to correct or remove information you think is inaccurate. If you wish to make a complaint about the use of your personal information, please contactour Date Protection Officer using the details above. You can also complain directly to the Information Commissioner’s Office (ICO). Further information can be found at https://ico.org.uk.V1 DOGTAG CYCLING EXT SEPT23

https://www.dogtag.co.uk