In order to know everything what is covered we have published in this page the Insurance Certificate. We advice to read it before any purchase.

The certificate is provided through GLOBESHIELD INTERNATIONAL LIMITED.

Arranged by:GLOBESHIELD INTERNATIONAL LIMITED Crown House Business Centre, North Circular Road, London, NW10 7PN
Arranged through:CNA INSURANCE COMPANY (EUROPE) LIMITED

Money Back Guarantee
If You are not happy with it, return it to the issuing agent within 14 days of issue and We receive returned certificate prior to departure date.
Please read Your certificate carefully. Failure to observe the terms and conditions set out in this document may prejudice any claim.

Reduced sums insured apply to certain age groups. Please refer to main wording.

In respect of persons aged 70 or over, any one trip is limited to 32 days duration.
Please read Your Certificate in full before You travel making sure You understand exactly what We will and will not pay for under each Section.
SECTION A – CANCELLATION OR CURTAILMENT, SECTION B - EMERGENCY MEDICAL & OTHER EXPENSES & SECTION C - PERSONAL ACCIDENT.
Your state of health may affect the cover provided under Your Certificate. Please refer to the Cover and Exceptions to Cover in respect of Sections A, B and C and to the Pre-existing Medical Conditions box.
You must contact the 24 Hour Medical Emergency Service for their Doctors opinion prior to:
(i) You being admitted to hospital or
(ii) You arranging to return home early or extend Your stay because of any illness or injury.
Reciprocal Health Agreement - E111 - If You are travelling to a European Union country You are strongly advised to obtain Form E111 from Your local Post Office. This will entitle You to benefit from the reciprocal health arrangements which exist between European Union countries. In the event of a medical claim having been reduced by the use of Form E111 the Excess under Section B - Emergency Medical & Other Expenses will be reduced to Nil.
Hazardous Pursuit
Your attention is drawn to the definition of Hazardous Pursuit and also to the fact that certain other activities can be covered at an additional premium. Please contact Us or the issuing agent for advice.
SECTION E - PERSONAL POSSESSIONS AND MONEY
Take due care of Your Personal Possessions and Money. The vast majority of claims under this Section arise as a result of leaving items unattended at beaches, restaurants, airports and hotels etc. Lack of proper care towards Your Possessions and Money could result in Your claim being turned down.
Valuables and Money must not be left unattended at any time except when left in Your locked personal accommodation in a safety deposit box.
In particular please note:
(i) Your Certificate does not cover Valuables or Money when left in motor vehicles at any time.
(ii) Valuables and Money must be carried in Your hand luggage when being transported by Airlines, Coach Operators, etc.
YOUR CERTIFICATE CONTAINS A SINGLE ARTICLE LIMIT ON PERSONAL POSSESSIONS AND AN OVERALL VALUABLES LIMIT. Expensive items, jewellery, photographic and video equipment, sports equipment etc. should be insured under Your own Home Contents Insurance.
Where cover applies to items that are stolen, lost or totally destroyed they will be replaced as new less a deduction for any wear, tear or depreciation.
For all Personal Possessions or Money claims Your particular attention is drawn to the heading "What to do if You wish to make a Claim".
For all Personal Possessions or Money claims Your particular attention is drawn to the heading "What to do if You wish to make a Claim".

What to do if you wish to make a Claim
All claims other than Medical Emergency Assistance must be made direct to:
KETTERIDGE GROUP CLAIMS SERVICES
8-10 High Street, Billericay, Essex, CM12 9BQ.
Tel: 01277 623562 Fax: 01277 623568
We will send You a claim form which You will need to complete and return to Us with Your Certificate and any other documents requested. Please quote GLOBESHIELD 2001 CNA and Your Validation Certificate number.

Extension of Cover
If You request any extension of the Period of Insurance after the commencement of travel You will advise Us of any circumstances which at the time of such request could reasonably
be expected to cause a claim under this Certificate.

General Exceptions regarding All Sections of the Certificate

WE SHALL NOT BE LIABLE FOR:

1. Claims arising directly or indirectly from war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or Usurped power or acts of terrorism.
2. Consequential loss of any kind.
3. Damage to, or loss or destruction of any property or any loss or expense whatsoever arising indirectly caused by or contributed to, by or arising from:
a) ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
b) the radioactive toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component of such assembly.
4. Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
5. Claims arising from flying or aerial activity of any kind (other than as a fare paying passenger in a fully licensed passenger carrying aircraft).
6. Claims arising directly or indirectly from Your wilful, malicious or unlawful acts.
7. Claims arising directly or indirectly from Winter Sports activities unless the appropriate additional premium has been paid in which case the Winter Sports endorsement will apply or for Hazardous Pursuits unless declared to us and accepted by Us by endorsement (an additional premium may be payable).
8. Any claim arising directly or indirectly from any injury, illness, death, loss, expense or other liability attributable to HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivative or variations thereof however caused.
9. Exclusion applying to Sections A, D, E, F & G
the failure, or
the fear of the failure, or
the inability,
of any equipment or computer programme to recognise, correctly interpret, or process any date as its true calendar date, or function correctly beyond that date.
10. One-way trips.
11. In respect of persons aged 70 or over any one trip is limited to 32 days duration.
1. YOUR DUTIES
a) You are not aware of any circumstances known at the time You purchased this Certificate which are likely to cause Cancellation or Curtailment of Your trip.
b) You must tell Us all facts which are likely to influence Us in the assessment or acceptance of Your insurance. If You have any doubt about what You need to tell Us please contact the intermediary who arranged this insurance for You or Us.
c) You must at all times act in a reasonable manner to prevent or minimise a claim.
2. CHANGE IN RISK
You will immediately advise Us of any changed circumstances which become apparent after the date of issue of this Certificate and before the commencement of the trip which You could reasonably foresee as likely to give rise to a claim under the Certificate. We reserve the right to alter the terms of the insurance in the light of such changed circumstances. We will, subject to the terms, conditions and exceptions of the Certificate, indemnify You under Section A in respect of loss or deposits or charges which You have necessarily incurred up to the date of advice to Us of such changed circumstances.
3. CLAIMS - YOUR DUTIES
a) You will advise Us of any occurrence which may give rise to a claim under this Certificate in writing as soon as is reasonably possible after the date of such occurrence and shall supply to Us all such accounts and other documents as We may reasonably require.
b) You will give Us notice in writing immediately You or Your legal representatives have knowledge of any impending prosecution, inquest or fatal injury inquiry in connection with any occurrence of which there may be liability under Section F of this Certificate.
c) You must inform the Police of all loss or theft of property within 24 hours of discovery of such loss or theft and obtain a copy of the Police report in support of any claim under Section E of this Certificate.
d) If Personal Possessions or Money are lost or damaged whilst in the custody of a Carrier (i.e. Airline, Railway, Shipping Company, Bus Company Etc.) You must notify such Carrier immediately and obtain a copy of their report.
4. CLAIMS - OUR RIGHTS
a) No admission, offer, promise, payment or indemnity will be made or given by You or on Your behalf without Our written consent.
b) We will be entitled to take over and conduct in Your name the defence or settlement of any claim or to prosecute in Your name to Our own benefit in respect of a claim for indemnity or damages or otherwise, and will have full discretion in the conduct of any proceedings or in the settlement of any claim and You will give all such information and assistance as We may require.
c) In case of illness or injury We may approach any doctor who may have treated You during the period of three years prior to the claim, and We may at Our own expense and upon reasonable notice to You or Your legal personal representative, arrange for You to be medically examined as often as required, or in the event of death have a post mortem examination of Your body.
d) You will supply at Your own expense a Doctor's Certificate in the form required by Us in support of any claim under Sections A, B or C of this Certificate.
5. FRAUD
If any person makes any misrepresentation or concealment in obtaining this Certificate or in support of any claim the insurance by this Certificate will be void.
6. OTHER INSURANCES
Under Sections A, B, D, E and F Our will not be liable in respect of any claim where the event leading to the claim is insured by any other existing Policy or Policies, except in respect of any amount beyond that which is payable under such other Policy of Policies.
7. PRECEDENTS TO LIABILITY
The due observance and fulfilment of the terms, provisions, conditions and endorsements of this Certificate insofar as they relate to anything to be done or complied with by You will be a condition precedent to Our liability to make any payment.
8. JURISDICTION
The parties are free to choose the law applicable to this Insurance Contract. Unless specifically agreed to the contrary this insurance shall be subject to English Law.

COVER AND EXCEPTIONS TO COVER

Section A - Cancellation or Curtailment

Provided that if a trip is curtailed through Your accident or illness, a doctor at the resort or the nearest town must confirm that such curtailment was medically necessary. All curtailment claims must be authorised in advance by the 24 Hour Emergency Service detailed under Section B or by Us.

Section B - Medical & Other Expenses
WHAT IS COVERED:
If You sustain actual bodily injury or suffer illness outside the United Kingdom, We will indemnify You up to the amount stated in the Schedule against the following expenses which You necessarily incur outside the United Kingdom.
1. medical expenses including hospital charges, in-patient treatment authorised by us and ambulance charges for conveyance to hospital. Dental treatment up to £200 is included only for the alleviation of sudden pain, and does not apply to the provision of dentures, artificial teeth and work involving the use of precious materials.
2. reasonable additional travelling expenses in returning to Your home address in the United Kingdom and reasonable additional accommodation expenses beyond the number of days booked including in the event of serious injury or illness for which a claim is admitted under 1
(i) such expenses of one Relative or friend required on medical advice and authorised by Us or Our 24 Hour Medical Emergency Service to remain with or to travel to You.
and
(ii) The expense of a qualified medical attendant, or other person authorised by Us required on medical advice to escort You home.
3. cost of returning Your body or ashes to Your home address in the United Kingdom or burial abroad in the country where death occurs up to £2,000.
SPECIFIC EXCEPTIONS APPLYING TO SECTION B
WHAT IS NOT COVERED:
1. expenses which You incur in Your normal country of residence
2. any in-patient or additional travelling expenses not specifically authorised by Us or Our 24 Hour Medical Emergency Service.
3. any expense which You incur more than twelve months after the occurrence of the injury or illness to which the claim refers.
4. any expense which is not usual, reasonable or customary for the medical services and/or to supply
5. any expense for non-essential or on-going treatment or where treatment can be reasonably delayed until Your return to the United Kingdom or for any form of cardiac or organ transplant surgery unless authorised by Us in advance of being performed or for the cost of a single bed ward unless authorised by the 24 Hour Medical Emergency Service detailed below for medical reasons only or for the service of a chiropractor, chiropodist or osteopath or for non-medical costs.
6. any Excess shown in the schedule.

What to do in the event of a Serious Medical Emergency
You will find on the back page of this Certificate full details of Your 24 Hour Medical Emergency Service. In the event of a serious medical situation or in-patient admission whilst on the trip You must phone the 24 Hour Medical Emergency Service prior to you being admitted to hospital or where you believe you may have to return home early or extend your stay because of injury or illness on the telephone numbers provided under the “24 Hour Medical Emergency Service” section. Simple out-patient treatment should be paid locally and claimed for on Your return to the United Kingdom.

EXTENSION TO SECTION B - HOSPITAL CONFINEMENT BENEFIT
If You sustain actual bodily injury or suffer illness outside the United Kingdom during the Period of Insurance resulting in admission to a hospital overseas as an in-patient, We will pay You a benefit of £20 per complete 24 hours which You are hospitalised up to a maximum stated in the Schedule.
EXCEPTIONS APPLYING TO SECTION A AND B ONLY
WHAT IS NOT COVERED:
Claims arising from pregnancy where the period of the trip terminates less than two months before the date of delivery as estimated by a Hospital or Registered Medical Practitioner. However where the insurance has been effected prior to confirmation of the pregnancy by such Hospital or Registered Medical Practitioner and in the event of You effecting immediate cancellation of the trip upon receipt of such confirmation, We will indemnify You under Section A.

Section C - Personal Accident
WHAT IS COVERED:
If You sustain bodily injury caused solely by accidental violent external and visible means, and such bodily injury solely and directly results within twelve months in Your death, loss of limb(s) or permanent total disablement, We will pay to You benefits in accordance with the following items:
Item 1 - Death - £5,000 for PLAN A, or £10,000 FOR PLAN B.
Item 2 - Permanent loss by physical severance of hand or foot at or above the wrist or ankle or the total and permanent loss of use of an entire hand or arm or of an entire foot or leg or total and irrecoverable loss of all sight in one or both eyes - Nil for PLAN A, and £10,000 for PLAN B.
Item 3 - Permanent total disablement result in Your permanent and absolute inability to attend to a profession, business or gainful occupation of any kind - Nil for PLAN A, and £10,000 for PLAN B.
4. You must produce independent evidence in writing to support any claim.
5. Our limit of liability under 1(ii) will not exceed the amount stated in the Schedule to Section A Cancellation.
6. in respect of 2 above You must take all reasonable steps to arrive at the departure point at or before the recommended time.
SPECIFIC EXCEPTIONS APPLYING TO SECTION D
WHAT IS NOT COVERED:
1. circumstances which could reasonably have been anticipated at the date insurance was effected.
2. withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country.
3. missed connections.
4. any claim if PLAN A cover only purchased
5. any Excess shown in the Schedule for item 2.

Section E - Personal Possessions & Money
WHAT IS COVERED:
We will indemnify You
1. For loss of or theft of or damage to Personal Possessions belonging to You up to the amount stated in the Schedule (no single article being insured for more than £150)
2. For accidental loss or theft of Money whilst on Your person or whilst in a safety deposit box within a hotel or bank or whilst in securely locked accommodation under Your control up to the amount stated in the Schedule.
3. The reasonable costs in obtaining a replacement passport (or travel document) to enable You to return to the United Kingdom following the accidental loss or theft of Your passport whilst outside the United Kingdom up to the amount stated in the Schedule.
4. The cost of necessary purchases of replacement clothing and toiletries if You are temporarily deprived of Your Personal Possessions on the Outward Journey for a period of more than 12 hours from the time of arrival at Your destination due to their delay or misdirection in delivery up to the amount stated in the Schedule.
Provided that:
1. You take all reasonable precautions for the safety of the property insured.
2. Our liability in respect of Valuables is limited to a total amount of £100. A camera or camcorder with all accessories, a bracelet or necklet with any attachment and any similar set or pair of items will be considered as one article.
3. any claims payment made in respect of temporary deprivation of Personal Possessions will be deducted from any subsequent claim where the property insured proves to be permanently lost. You must keep receipts for all replacement purchases.
4. if at the time of any loss or damage the property insured is of greater value than the sum insured by this section, then You will be considered as being Your own Insurer for this difference and will bear a rateable share of the loss accordingly.
5. You will supply at Your own expense a Statutory Declaration regarding any claim arising under this section of the Certificate if so required.
6. Up to £100 (£35 when your age is under 16 years) in cash in total whilst on your person whether jointly owned or not.
7. Up to £150 (£75 when your age is under 16 years) for loss or theft of your personal money while on your journey.
SPECIFIC EXCEPTIONS APPLYING TO SECTION E
WHAT IS NOT COVERED:
1. loss or damage arising from wear and tear, depreciation or deterioration, any process of cleaning, repairing or restoring, atmospheric or climatic conditions, moth or vermin, electrical or mechanical breakdown or derangement.
2. loss of or theft of or damage to contact or corneal lenses, sunglasses over £75 in value, dentures, hearing aids, mobile telephones, samples or merchandise or property used in connection with Your business or trade, bonds, coupons, securities, stamps or documents of any kind, vehicles or accessories, antiques, pictures, sports equipment whilst in use, boats and/or ancillary equipment including windsurfing equipment and sailboards, caravan awnings, glass, china or any other articles of a brittle or fragile nature.
3. loss or damage to property shipped as freight or under a bill of lading.
4. loss due to delay, detention, confiscation, requisition or damage by Customs or other Officials or Authorities.
5. loss or theft unless
(a) You have reported the loss or theft to the nearest Police authority within 24 hours of discovery and
(b) You have obtained a written Police report.
6. loss of or theft of
(a) Valuables or Money from an unattended vehicle
(b) Other property insured from an unattended motor vehicle unless the vehicle was securely closed and locked, and such property placed out of sight in the locked boot or in a locked compartment within the vehicle, but in any event excluding all property insured whilst left in an unattended motor vehicle between 2000 hours and 0800 hours local time.
7. theft of property left unattended other than as provided above or whilst in Your securely locked accommodation.
8. loss of or theft of Valuables or Money whilst in a suitcase or holdall or bag or similar receptacle outside Your immediate control.
9. shortages of Money due to error or omission or currency transfers.
10. any claim if PLAN A cover is purchased.
11. any Excess shown in the Schedule. However, where one occurrence relates to two or more members of the same family (i.e. husband, wife and any children under 16 years of age) insured under this Certificate, the Excess for which You are collectively responsible will not exceed £100

Section F - Personal Liability
WHAT IS COVERED
CANCELLATION OR CURTAILMENT
· If You cancel Your trip for medical reasons obtain a claim form from Us. Your own medical practitioner should complete the Certificate on the reverse of the claim form. If Your trip is curtailed for medical reasons obtain a medical certificate from the treating Medical Practitioner in the locality where the incident occurred.
· Keep receipts or accounts for all expenses incurred.
· Notify the Tour Operator or the Travel Agency where Your trip was booked.
· Contact Us as soon as You know that there is a possibility of Your journey not taking place.
· Obtain authorisation from the 24 Hour Medical Emergency Service or from Us before incurring any expenses in curtailing Your holiday.
MEDICAL AND OTHER EXPENSES
· PLEASE SEE 24 HOUR EMERGENCY SERVICE BOX ON LAST PAGE FOR CASES INVOLVING MORE THAN SIMPLE OUTPATIENT TREATMENT.
· You must keep receipts or accounts for all expenses incurred.
· You should pay the hospital/clinic/doctor for routine or simple outpatients treatment and claim back on Your return to the United Kingdom. If You think the level of treatment is excessive please contact the 24 Hour Medical Emergency Service for guidance.
· If You receive medical treatment abroad and the cost is too much for You to pay on the spot, please quote the Scheme No. and Your Validation Certificate number to the hospital/clinic/doctor etc., so that they may note this on their account when they send it direct to Us.
PERSONAL ACCIDENT
· Obtain a medical certificate from the treating Medical Practitioner.
· In the event of a death We require a Death Certificate.
DELAY
· Obtain a letter from the Airline, Railway Company or Shipping Line, or their handling agent, confirming the reason for the delay and detailing the scheduled and actual departure times.
PERSONAL POSSESSIONS
· For all loss or damage in transit claims, including delayed Personal Possessions report to the Airline, Railway or Shipping Line, or their handling agents and obtain a written report form from them before leaving the baggage reclaim area.
· For all damage claims obtain an estimate for repairs.
· In all circumstances, You must retain receipts or vouchers for items lost or damaged as these will help You to substantiate Your claim.
· In the case of lost or misplaced Personal Possessions on the Outward Journey, You must produce receipts for the purchase of essential replacement items.
· You must report all theft or losses to the Police within 24 hours of discovery and obtain a written Police report. Also report to Your Courier or Hotel/Apartment Manager whenever it is appropriate.
MONEY
· You must report all theft or losses to the Police within 24 hours of discovery and obtain a written Police report. Also report to Your Courier or Hotel/Apartment Manager whenever it is appropriate.
· You must enclose confirmation from Your bank or bureau de change of the issue of foreign currency. In the case of Sterling You must produce documentary evidence.
· For a lost or destroyed passport You need to supply Us with a letter from the Consulate where the loss was reported and retain all receipts that relate to the necessary costs in replacing the passport.
PERSONAL LIABILITY
· You must supply full details of the circumstances giving rise to the claim plus any supporting evidence.
· You will give Us notice in writing immediately You or Your legal representatives have knowledge of any impending prosecution, inquest or fatal injury inquiry in connection with any occurrence for which there may be liability under Section F of this Certificate.
LEGAL EXPENSES
· You must notify Us within 130 days of the event giving rise to Your claim.
ALL OTHER SECTIONS
· You must notify Us within 31 days of the event giving rise to Your claim.

Pre-existing Medical Conditions
It is a condition of this cover that at the time of buying this insurance no person insured:
is aware of any medical condition, set of circumstances or material facts, which could be expected to give rise to a claim under this insurance.
· Is suffering from or has previously suffered from any of the following conditions: Heart related condition, Hypertension, Arterial Disease, Kidney Disease, Malignant Diseases (Cancer), Lung and/or Respiratory Disease (but not including Asthma unless the Insured Person has received any in-patient hospital treatment), Motor Neurone Disease, Parkinson’s Disease or had a Stoke unless declared to and accepted in writing by us.
· Is receiving in-patient treatment in a hospital or nursing home.
· Is on a waiting list for in-patient hospital treatment or hospital tests, procedures or investigations.
· Is waiting for the results of any medical tests, procedures or investigations.
· Has been given a terminal prognosis or is aware of a terminal prognosis being given for any person that this trip/holiday depends.
· Is travelling contrary to medical advice or specifically to obtain medical treatment or where medical treatment is known to be required or continued during the holiday/trip.
· Having received in-patient hospital treatment during the 6 months prior to buying the insurance unless declared to your issuing agent and accepted inn writing by us.
· For pregnancy or childbirth where the pregnancy would be more than 28 weeks at the end of your journey or one-way trip, unless, in respect of cancellation claims, the pregnancy was confirmed after you bought the certificate.
Cover for these conditions will only be provided following Our acceptance.
For advice and assistance, please contact:
Tel: 01273 774859 Fax: 01273 722799
PLEASE QUOTE “GLOBESHIELD 2001 CNA”
You will not be covered under Section A, B or C if You fail to contact Us. There is no charge for this service if You do not wish to accept terms and cancel insurance. However, You are responsible for all costs incurred in obtaining any medical reports required by Us.

It is a condition of this cover that all material facts affecting this insurance must be advised to the issuing agent and accepted by us in advance.

8. Any claim arising directly or indirectly from any injury, illness, death, loss, expense or other liability attributable to HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivative or variations thereof however caused.
9. Exclusion applying to Sections A, D, E, F & G
the failure, or
the fear of the failure, or
the inability,
of any equipment or computer programme to recognise, correctly interpret, or process any date as its true calendar date, or function correctly beyond that date.
10. One-way trips.
11. In respect of persons aged 70 or over any one trip is limited to 32 days duration.
1. YOUR DUTIES
a) You are not aware of any circumstances known at the time You purchased this Certificate which are likely to cause Cancellation or Curtailment of Your trip.
b) You must tell Us all facts which are likely to influence Us in the assessment or acceptance of Your insurance. If You have any doubt about what You need to tell Us please contact the intermediary who arranged this insurance for You or Us.
c) You must at all times act in a reasonable manner to prevent or minimise a claim.
2. CHANGE IN RISK
You will immediately advise Us of any changed circumstances which become apparent after the date of issue of this Certificate and before the commencement of the trip which You could reasonably foresee as likely to give rise to a claim under the Certificate. We reserve the right to alter the terms of the insurance in the light of such changed circumstances. We will, subject to the terms, conditions and exceptions of the Certificate, indemnify You under Section A in respect of loss or deposits or charges which You have necessarily incurred up to the date of advice to Us of such changed circumstances.
3. CLAIMS - YOUR DUTIES
a) You will advise Us of any occurrence which may give rise to a claim under this Certificate in writing as soon as is reasonably possible after the date of such occurrence and shall supply to Us all such accounts and other documents as We may reasonably require.
b) You will give Us notice in writing immediately You or Your legal representatives have knowledge of any impending prosecution, inquest or fatal injury inquiry in connection with any occurrence of which there may be liability under Section F of this Certificate.
c) You must inform the Police of all loss or theft of property within 24 hours of discovery of such loss or theft and obtain a copy of the Police report in support of any claim under Section E of this Certificate.
d) If Personal Possessions or Money are lost or damaged whilst in the custody of a Carrier (i.e. Airline, Railway, Shipping Company, Bus Company Etc.) You must notify such Carrier immediately and obtain a copy of their report.
4. CLAIMS - OUR RIGHTS
a) No admission, offer, promise, payment or indemnity will be made or given by You or on Your behalf without Our written consent.
b) We will be entitled to take over and conduct in Your name the defence or settlement of any claim or to prosecute in Your name to Our own benefit in respect of a claim for indemnity or damages or otherwise, and will have full discretion in the conduct of any proceedings or in the settlement of any claim and You will give all such information and assistance as We may require.
c) In case of illness or injury We may approach any doctor who may have treated You during the period of three years prior to the claim, and We may at Our own expense and upon reasonable notice to You or Your legal personal representative, arrange for You to be medically examined as often as required, or in the event of death have a post mortem examination of Your body.
d) You will supply at Your own expense a Doctor's Certificate in the form required by Us in support of any claim under Sections A, B or C of this Certificate.
5. FRAUD
If any person makes any misrepresentation or concealment in obtaining this Certificate or in support of any claim the insurance by this Certificate will be void.
6. OTHER INSURANCES
Under Sections A, B, D, E and F Our will not be liable in respect of any claim where the event leading to the claim is insured by any other existing Policy or Policies, except in respect of any amount beyond that which is payable under such other Policy of Policies.
7. PRECEDENTS TO LIABILITY
The due observance and fulfilment of the terms, provisions, conditions and endorsements of this Certificate insofar as they relate to anything to be done or complied with by You will be a condition precedent to Our liability to make any payment.
8. JURISDICTION
The parties are free to choose the law applicable to this Insurance Contract. Unless specifically agreed to the contrary this insurance shall be subject to English Law.

COVER AND EXCEPTIONS TO COVER

Section A - Cancellation or Curtailment

WHAT IS COVERED:
We will indemnify (including accommodation charges up to £100 for PLAN B) You against all travel charges which You have paid and/or contracted to pay before the departure date, and cannot recover in respect of any part of the trip which You are necessarily required to cancel or curtail up to the amount stated in the Schedule as the direct result of:
1. Your death, accidental bodily injury or illness, or that of a relative or friend with whom You have arranged to travel or stay, or of Your Relative or of a Close Business Associate.
2. You or any person which whom You have arranged to travel or stay being subject to compulsory quarantine or being summoned for Jury Service or as a witness in a Court of Law during the period of the trip.
3. Your redundancy (qualifying You to claim for payment under current Redundancy Payment Legislation) and that of any person with whom You intend to travel provided that such notice of redundancy is advised to Us within 14 days of its announcement.
4. Your private dwelling becoming uninhabitable following fire, storm, flood, or Your presence being required by the Police following burglary at such private dwelling occurring at any time after We have accepted this Insurance.
5. Cancellation or interruption of scheduled public transport consequent upon Hi-jack occurring during the Period of Insurance.
6. Reasonable additional travelling expenses incurred by You in returning to Your home address in the United Kingdom, where such return is urgently necessitated by the death, serious illness or severe injury of Your Relative or a Close Business Associate where such Relative or Close Business Associate is resident in the United Kingdom.
Provided that:
1) If You are under 18 years of age the benefit in respect of PLANS A & B under: Item 1 - is limited to £500
Item 2 - is nil for PLAN A, or £5,000 for PLAN B.
Item 3 - is nil for PLAN A, or £5,000 for PLAN B.
2) If You are aged 65 yeas or over Item 1 is limited to £1,000 and no compensation will be payable under Items 2 and 3 in respect of PLAN B.
SPECIFIC EXCEPTIONS APPLYING TO SECTION C
WHAT IS NOT COVERED:
No compensation will be payable.
1. under more than one of Items 1, 2 or 3 and on payment of a claim under any one of these items, all liability under this section will cease insofar as You are concerned.
2. in respect of claims arising from pregnancy.
EXCEPTIONS APPLYING TO SECTION A, B AND C
WHAT IS NOT COVERED:
You or any person whose condition gives rise to a claim:
1. is suffering from or has previously suffered from any of the following conditions: Heart related condition, Hypertension, Arterial Disease, Kidney Disease, Malignant Diseases (Cancer), Lung and/or Respiratory Disease (but not including Asthma unless the Insured Person has received any in-patient hospital treatment), Motor Neurone Disease, Parkinson’s Disease or had a Stroke unless declared and accepted in writing by us.
2. travelling against medical advice or for the purpose of obtaining medical treatment or where medical treatment is known to be required or continued during the journey, or
3. receiving or on a waiting list for in-patient hospital or clinical treatment or investigation, or.
4. having received a diagnosis of a terminal condition or
5. having received in-patient treatment during the 6 months prior to buying the insurance unless declared and accepted by us, or
6. for pregnancy or childbirth where the pregnancy would be more than 28 weeks at the end of your journey or one-way trip, unless, in respect of cancellation claims, the pregnancy was confirmed after you bought the certificate, or
7. any administration charges or discounts made or given by your travel agent
8. Airport or port taxes
9. Specific exclusions applying to this section.
10. Your intentional self-injury, suicide, or attempted suicide or wilful exposure to needless risk (except in the attempt to save a human life).
11. the influence of intoxicating liquor or of a drug or drugs (unless prescribed by a Registered Medical Practitioner), or substance or solvent abuse or venereal disease.
12. psychological or psychiatric disorder, or whilst suffering from any condition of anxiety, stress or depression.
13. driving or being a passenger of a motor cycle, motor scooter or mechanically assisted cycle exceeding 125cc in engine capacity during the period of the trip. Driver must have a full Motor Cycle Licence.
14. You engaging in manual work during the period of the trip, overland expeditions, safaris (unless part of a prepaid organised tour), crewing a sailing boat or vessel from one country to another air and/or sea search and rescue, winter sports, steeplechasing, polo, hunting, professional sport, mountaineering (normally requiring the use of ropes or a guide), pot-holing, scuba or skin-diving, any race speed or duration test or practice for such race or test (other than athletics, or any Hazardous Pursuit.
Section D - Travel Delay & Missed Departure
WHAT IS COVERED:
1. If as a direct result of the outbreak of Strike or Industrial Dispute,. Or weather conditions affecting scheduled public transport which has been the subject to Advance Booking by You, or mechanical breakdown of motor transport, train, aircraft or watercraft which has been the subject of Advance Booking by You occurring after the date of commencement of cover, the departure time of the Outward Journey or Return Journey takes place more than 12 hours after the departure time appearing on Your ticket We will indemnify You as shown below.
(i) Delay Compensation - An amount of £20 for the first full 12 hours and £10 for each subsequential full 12 hours up to a maximum as stated in the Schedule or
(ii) Cancellation Compensation - If You elect to cancel the Outward Journey of the trip after a delay exceeding 24 hours as described above We will indemnify You in respect of irrecoverable travel or accommodation deposits or charges paid or contracted to be paid under Section A.
2. If You miss Your booked departure date due to late arrival at the point of International departure caused by accident or electrical or mechanical breakdown to the conveyance in which You are travelling in the course of:
Your direct journey to the point of International departure immediately prior to commencement of the Outward Journey from the United Kingdom
OR Your direct journey to the point of International departure immediately prior to commencement of the Return Journey to the United Kingdom.
We will pay up to 100% of the original invoice cost or the limit stated in the Schedule (whichever is the lesser) for additional travel charges which You necessarily and reasonably incur in the purchase of a ticket for an alternative journey.
Provided that:
1. any payment We make in respect of 1(i) above for delays in the Outward Journey will be deducted from any subsequent payment made under 1(ii)
2. in respect of 1 above You must check in according to the itinerary provided by the Tour Operator or Carrier, and obtain written confirmation of the delay from such Tour Operator or Carrier.
3. compensation as described in 1(ii) above is only payable in respect of delays on the Outward Journey from the United Kingdom.
We will indemnify You against all sums up to the amount stated in the Schedule which You are legally liable in a personal capacity to pay in respect of accidents happening during the Period of Insurance resulting in:
1. Bodily injury, death, or disease to any person not being a member of Your household or in Your service.
2. Damage to property not
(a) belonging to You or
(b) in the charge of or under the control of You or a member of Your household or of a person in Your service.
The indemnity provided by this Section extends to cover costs and expenses recoverable by any claimant, provided they were incurred before the date (if any) on which We paid or offered to pay either the full amount of the claim or the total amount recoverable, in respect of any one occurrence and also to costs and expenses incurred by You with Our written consent.
In the event of Your death Your personal representative will receive the benefit of the cover granted by this Section.
SPECIFIC EXCEPTIONS APPLYING TO SECTION F
WHAT IS NOT COVERED:
1. Claims arising:
(i) directly or indirectly out of the ownership, possession or use (other than as a passenger having no right of control) or aircraft, model aircraft, caravans, trailers, watercraft other than manually propelled craft, mechanically or electrically propelled vehicles and lifts.
(ii) directly or indirectly out of the ownership, possession or use of animals or firearms.
(iii) directly or indirectly out or incidental to Your business, trade or profession.
(iv) out of actions between persons insured.
(v) directly or indirectly out of Your ownership of any land or buildings.
(vi) out of any liability assumed under a contract unless such liability would have attached in any event in the absence of such contract.
2. any claim if PLAN A cover is purchased.
Section G - Legal Expenses
WHAT IS COVERED:
We will pay for legal costs and expenses incurred by You or Your legal representatives in the event of You or Your legal representative taking legal proceedings for Compensation and/or damage arising from Your bodily injury or death during the period of Your trip up to the maximum stated in the Schedule.
Provided that
We shall have complete control over legal proceedings and the appointment of solicitors.
SPECIFIC EXCEPTIONS TO SECTION G
WHAT IS NOT COVERED:
No payment will be made for
1. any claim brought against a tour operator, travel agents, carrier, Insurance Company or its agent.
2. legal costs and expenses incurred prior to Us granting support.
3. claims reported more than 130 days after the event giving rise to Your bodily injury or death.
4. any claim where We do not consider Your prospects of success in achieving a reasonable result are adequate.
5. any claim if PLAN A cover is purchased.
6. any claim arising from Winter Sports unless the appropriate additional premium has been paid, in which case the Winter Sports Endorsement will apply.
Complaints Procedure
We will always aim to provide a first class standard of service. However, if you have a complaint, you should, in the first instance, contact our Managing Director at the address Ketteridge Group Ltd, 1st Floor, 130A Western Road, Brighton, BN1 2LA. Please quote your surname, initials and Certificate number on your Certificate of Insurance. If you are still not satisfied you can either:

(a) contact the Association of British Insurers (ABI) at the address below, or
(b) ask the Independent Insurance Ombudsman (IOB) at the address below to review your case which will be without prejudice to your right to take legal proceedings.
The Managing Director CNA Insurance Company (Europe) Limited Association of British Insurers The Insurance Ombudsman Bureau
77 Gracechurch StreetLondonEC3V 0DL 51 Gresham StreetLondonEC2V 7HQ South Quay Plaza183 Marsh WallLondon E14 9SR
24 Hour Medical Emergency Service
IMPORTANT - Please quote Reference GLOBESHIELD 2001 CNA and Your Validation Certificate Number.Travel Assistance Services provide immediate help in the event of Your illness or injury arising outside the United Kingdom - they provide 24 hour multi-lingual emergency service 365 days of the year and can be contacted by telephone, telex or fax.Should a serious medical problem arise You must contact Travel Assistance Services prior to you being admitted to hospital or where you believe you may have to return home early or extend your stay because of injury or illness :Emergency Telephone Number: +44 (0) 1277 634 699Fax Number: +44 (0) 1277 634 545When You call upon the services of Travel Assistance Services it is a condition of the service that they shall solely be responsible for all decisions on the most suitable and reasonable solution to any medical problem. The service includes, where necessary:

1. Multi-lingual assistance with hospitals and doctors.

2. Repatriation arrangements and necessary escorts by a medical attendant.

3. Travel arrangements for other members of Your party or next-of-kin.

4. On arrival in the United Kingdom, an ambulance service to hospital or home.

Note to Treating Doctor
In the event of in-patient hospitalisation or a serious medical condition Travel Assistance Services must be advised immediately with full medical details. Failure to do this will mean medical expenses incurred cannot be guaranteed.