Personal Insurance

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• Holiday Insurance
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• International Students
• - Cover
• - Special Features
• - Principle Exclusions
• Long Stay Travel
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International Students Insurance

Principle Exclusions

General

• The first £40 of each claim for medical expenses, personal possessions and luggage, cancelling your trip or cutting it short, legal expenses and course fees. (Short Stay)
• The first £40 of each claim for medical expenses, luggage, legal expenses and course fees. (Long Stay)
• Any expenses which you would have incurred in the normal course of your trip
• Any consequence arising directly or indirectly from the transmission of Human Immunodeficiency Virus (HIV) and/or any HIV related illness
• Any claim arising from suicide, self injury, alcohol or drugs or any wilful exposure to needless peril

Medical Expenses

• Pregnancy or childbirth
• Any treatment that could reasonably be delayed until your return home
• Cosmetic surgery, chiropractic treatment, osteopathy or vaccinations
• Mental or nervous illness
• If you travel against the advice of a medical practitioner
• Any condition for which diagnosis or treatment has been received during the previous 12 months

Personal Accident

• Any persons aged over 66 years or over when the incident giving rise to a claim occurred
• Pregnancy or childbirth
• Mental or nervous illness
• If you travel against the advice of a medical practitioner
• Any condition for which diagnosis or treatment has been received during the previous 12 months

The following Dangerous Sports are excluded:

base jumping; big foot skiing**; bobsleigh/skeleton/luge**; bouldering*; canyoning*; cliff diving; competitions*; expeditions or trekking*; free climbing; glacier crossing*; heliskiing**; hunting or shooting of any kind; ice caving; ice hockey**; motor rallying*; mountaineering or outdoor rock climbing*; overlanding*; piloting an aircraft*; polo*; power boating*; professional sports; safaris using guns; scuba diving over 30m*; ski acrobatics; skiing or snowboarding; ski jumping; ski stunting; snow mobiles/skidoos**; snow shoeing**; solo pot holing; solo rock climbing; solo sea sailing; speed skating*; stunt flying and aerobatics; tobogganing**; yachting out of territorial waters*

Activities marked * can be covered by our Activity policy, and those marked ** by our Winter Sports policy

Luggage

• Any single item worth more than £200 or total value of items up to £300 (long stay or £250 short stay).
• Sports equipment in use
• Valuables unattended unless left with a travelling companion
• Cycles and contact lenses

Liability

• Liability for any business or professional activity
• Any claim related to dangerous sports (see list above)
• Control or use of motorised vehicles, watercraft or aircraft

Cancellation

• You failing to allow sufficient time to reach your destination point.