Business associate

Any person who works at your place of business and who, if you were both away from work at the same time, would impact the way the business runs.

 

Business equipment

Computer equipment, communication devices (including mobile phones) and other business related equipment which you need for your business and which is not insured elsewhere.

 

Civil partner

A civil partner is someone who has entered into a formal agreement with the insured person (known as a ‘civil partnership’) as a same sex partner so that they have the same legal status as a married couple.

 

Civil unrest

Civil unrest refers to activities such as violent protests, riots, arson, looting, occupation of institutional buildings, border infringements and armed insurrection (excluding where civil war has been declared).

 

Close relative or relative

Anyone who has some sort of familial relationship to you such as a husband, wife, civil partner or partner, common-law partner, parent, parent-in-law, step-parent, legal guardian, children (including legally-adopted children, stepchildren and daughter and sons-in-law), sibling (including stepsiblings and sister and brothers-in-law), grandparent, grandchild and a fiancé or fiancée of any insured person.

 

Complications of pregnancy and childbirth

During pregnancy and childbirth, certain medical issues and problems may arise that affect the carrying person. In your insurance policy ‘complications of pregnancy and childbirth’ will only include a specific list of issues during the period of time you are insured. Please consult your policy documents carefully to see what you are covered for.

 

Cruises

Trips taken on ocean, or river cruise ships/boats. A ferry crossing does not constitute a cruise.

 

Family

A person and their husband, wife or partner and their dependent, adopted or fostered children who are aged under 18 and are either in full-time education or living with them.

 

Geographical limits

Single trip:

Region 1 – Covers trips to, from, and within the United Kingdom.

Region 2 – Covers trips by United Kingdom residents to and from Europe, west of the Ural Mountains including the Republic of Ireland and all countries, bordering the Mediterranean Sea, as well as Madeira and The Azores. This region excludes countries mentioned in region 3.

Region 3 – Covers regions 1, 2 and Spain (including the Balearic Islands), The Canaries, Turkey, Cyprus, and Malta.

Region 4 – Covers anywhere in the world except USA, Canada, Caribbean, Hong Kong, Singapore, Mexico and China.

Region 5 – Covers anywhere in the world including USA, Mexico, Canada and the Caribbean.

Region 6 – Covers anywhere in the world except USA, Mexico, Canada and the Caribbean.

Region 7 – Covers Australia and New Zealand only.

 

Annual multi-trip:

Region 1 – Covers trips to, from, and within the United Kingdom.

Region 8 – Covers trips by United Kingdom residents to and from Europe, west of the Ural Mountains including the Republic of Ireland and all countries bordering the Mediterranean Sea, as well as Madeira and The Azores.

Region 9 – Covers anywhere in the world except USA, Mexico, Canada, and the Caribbean.

Region 10 – Covers anywhere in the world including USA, Mexico, Canada, and the Caribbean.

 

If your outward or return flight to your booked destination requires you to break your journey by stopping over in an area which is not covered by the region on the schedule of cover, your policy automatically covers you to spend 48 hours in the area of the stopover each time you have to stop over on both your outward and return journeys.

If your Cruise requires you to make a stopover in an area which is not covered by the region on the schedule of cover, your policy automatically covers you to spend 24 hours in the area of the stopover each time you have to stop over on both your outward and return journeys.

 

Golf equipment

Golf clubs, golf bags, non-motorised trolleys and golf shoes.

 

Home Area

Your residential address in the United Kingdom.

 

Known event

A known event is an occurrence that is expected to happen or take place, such as a named tropical storm, a hurricane or a strike voted upon by union members.

 

Manual labour

Manual labour is work that is physical, including, but not limited to; construction, installation, assembly and building work. This does not include bar and restaurant staff, musicians and singers and fruit pickers (who do not use machinery).

We will provide cover for manual labour that is voluntary, for a charity registered under the Charity Commission in England and Wales, the Scottish Charity regulator or the Department for Social Development in Northern Ireland and where you will not earn any money. In these situations, you will not be covered for work that involves installing, putting together, maintaining, repairing or using heavy electrical, mechanical or hydraulic machinery.

You will not be covered when you are working more than three meters above the ground, and cover for personal accident and personal liability is not included.

If you injure yourself during voluntary work, the policy excess under section B - Medical and other expenses will be £100 and an excess waiver will not delete this excess.

 

Medical condition

Any disease, illness, or injury.

 

Mobile phone and mobile phone accessories

All devices which are used and described as a mobile phone, cell phone or smart phone. Mobile phone accessories are any items designed to work in conjunction with a mobile phone for example, covers, chargers and headphones.

 

Motorcycle accessories

Panniers, ‘divvy’ boxes and padlocks.

 

Motor vehicle accessories

Wheels, hubcaps, radio and CD players, CD multi-changers, in- car televisions and DVD players, tools, keys, alarms and satellite navigation equipment.

 

Natural disasters

An extraordinary natural phenomenon such as tsunamis, earthquakes, landslides, volcanic eruptions (including volcanic ash clouds), hurricanes, cyclones, typhoons, falling objects from space (including meteorites), and in general any extraordinary atmospheric, meteorological, seismic, or geological phenomenon that causes damage and harm.

 

Pair or set of items

A number of items that are similar or used together, for example, a pair of earrings.

 

Policy schedule

The document that shows the names and other details of all the people insured under this policy. The policy schedule proves you have the cover shown in this document.

 

Pre-existing medical conditions and linked conditions

Any disease, illness or injury for which you or anyone else insured on this policy has:

• taken any prescribed medication or required medical treatment within the last two years.
• consulted a medical practitioner and/or been registered as an in or outpatient at a hospital, clinic or GP surgery in the last two years.

 

Public transport

Refers to a train, bus, ferry, coach or publicly licensed aircraft.

 

Reasonable and necessary medical costs

Costs that are drawn up for approved, eligible medical services or supplies that do not exceed the average reimbursement the provider receives for all services its patients may receive.

 

Search and rescue costs

Costs that are charged to you by a government, regulated authority or private organisation connected with finding and rescuing an individual. This does not include the costs of medical evacuation (by the most appropriate transport) from a medical emergency.

 

Terrorism (Act of terrorism)

An act of terrorism is defined as the unlawful use of force or violence against people or property for political or social objectives. An event which has been declared as an ‘act of terrorism’ by either the UK Government or the government of the country where the act occurred or, an event deemed to be an act of terrorism by the insurance provider using the information available (where there is a delay in declaration by the government).

 

Trip

Cover under section A – Cancelling and cutting short your holiday, starts at the time that you book the trip or pay the insurance premium, whichever is later. If you have arranged an annual multi-trip policy, cover under section A starts at the time that you booked the trip or the start date shown on your policy schedule, whichever is later.

Your holiday or journey starts when you leave the place you usually live or work (whichever is later), or from the start date shown on your policy schedule, whichever is later.

The end of your trip is the date that you go back to the place you usually live or work (whichever is earlier), or at the end of the period shown on your policy schedule, whichever is earlier. Your cover cannot start after you have left your home area.

 

Single trip

A single return holiday or journey of up to 365 days beginning and ending in your home area.

We provide cover under all sections of this policy (apart from sections B, C, F or G) for holidays in your home area, as long as there is pre-booked accommodation.

 

Annual multi-trip

This gives you cover to travel as many times as you like during any one period of insurance as long as no single trip lasts longer than 31 days. We provide cover under all sections of this policy (apart from sections B, C, F or G) for holidays in your home area, as long as there is pre-booked accommodation.

 

Unattended

When you have left your property and you cannot see and are not close enough to your property or vehicle to stop it from being damaged or stolen.

 

United Kingdom (UK)

England, Scotland, Wales, Northern Ireland, the Scilly Isles, the Isle of Man and Channel Islands.

 

United Kingdom (UK) resident

Anyone who has resided in the UK (as defined above) for no less than 6 months, have a permanent UK address and be registered with a UK practitioner.

 

Valuables

Any personal belongings that are of great worth such as photographic, audio, video and electrical equipment (including CDs, DVDs, video and audio tapes and electronic games),MP3 players, games consoles, personal organisers, eReaders (including eBooks and Kindles), computer equipment, laptops, tablet PC’s (including iPads), netbook computers, binoculars, antiques, e-cigarettes and associated vapour liquids, jewellery, watches, furs, leather goods, animal skins, silks, precious stones and items made of or containing gold, silver or precious metals, hearing aids, sports and leisure equipment (e.g. Bicycle), musical instruments, mobile phones and mobile phone accessories etc

 

Valuables extension cover upgrade

Prior to leaving your home area, if you pay the appropriate extra premium, we can extend your cover beyond the valuables limit shown in your policy.

 

War

War, whether declared or not, or any warlike activities, including using military force to achieve economic, geographic, nationalistic, political, racial, religious or other goals.

 

We, us, our

Zurich Insurance plc.

 

Winter sports activities

The below are what we class as winter sports activities:

Bobsleighing*, cat skiing, cross country skiing, downhill skiing*, freestyle skiing*, glacier walking or trekking (under 2000m), glacier walking or trekking (over 2000m but under 6000m)*, heli-skiing*, ice climbing under 100m (fully supervised)*, ice fishing, ice hockey*, luge on snow/ ice*, monoskiing, off piste skiing/snowboarding (except in areas considered to be unsafe by resort management), recreational ski or snowboard racing, skeletons*, ski acrobatics*, ski bob racing*, ski racing or training (nonprofessional)*, ski stunting*, ski touring (with a guide), ski/snowboard fun parks*, skiing, snow mobiling*, snowboarding and tobogganing.

 

Please note: Activities in the above list marked with * carry an increased medical excess of £250 and cover under the Personal accident and Personal liability sections does not apply. You will not be covered if you take part in the following winter sports activities: Ski flying, ski jumping or ski mountaineering.

 

 

Winter sports equipment

Any tools or equipment used to carry out winter sports activities such as skis, poles, ski boots and bindings, ski helmets, snowboards, snowboard boots and bindings.

 

You, your

Each insured person named on the policy schedule issued with this document. Each person must have lived in the UK (as defined above) for at least six of the last 12 months and have paid the appropriate premium.

 

Zurich Assist

The service provider nominated by Zurich Insurance plc.