Travel Insurance Glossary of Terms
| Insurance Term | Definition |
| Accident | A loss sustained through an unexpected event. |
| Assistance Services | Services provided by the 24-hour Assistance Company regarding medical matters and expenses, loss of travel documents, credit cards, luggage, etc. |
| Personal Effects and Baggage | Coverage for personal property taken or purchased on trip which is accidentally lost, stolen or damaged. |
| Benefits | The amount you receive in respect of a claim that is covered. |
| Cancellation | Necessary cancellation prior to departure because of unforeseen events such as serious illness, injury, death, etc. |
| Cash | Currency, notes and coins, |
| Catastrophe | Natural catastrophe causing disruption to your trip (including hurricane, fire, lightning, explosion, earthquake, storm, tempest, flood) |
| Claims Handler | The loss adjusters listed on the policy certificate. |
| Close Business Associate | Any person whose absence from business for one or more complete days at the same time as you prevents the effective continuation of that business. |
| Common Law Partner | Any couple (including same sex) in a common law relationship who have cohabited for at least six months |
| Curtailment | Cutting your trip short because of unforeseen events such as serious illness, injury, death, etc. |
| Curtailment Costs | Costs incurred to return insured home before booked return date. |
| Dangerous Sports | Coverage which is excluded because of increased risk of injury or Pastimes |
| Date of Issue | The date shown on your policy showing when it was issued / purchased |
| Emergency Repatriation | Return to the UK by air ambulance if necessary and an accompanying doctor or nurse if required. |
| Excess | This is the portion of the claim which you have to pay. |
| Hazardous Activity | An activity where it is recognised there is an increased risk of injury or can be reasonably expected to exacerbate an existing medical condition. |
| Holiday Abandonment | Cancellation due to a delay of not less than 24 hours beyond scheduled departure time. |
| Your Home | Your usual place of residence in the U. K. including BFPO addresses members of the armed forces. |
| Hospitalisation Benefit | An additional benefit to cover incidental expenses which is paid if the Insured is a hospital in-patient as a direct result of a covered accidental injury or illness. This is separate from Medical Expenses. |
| Incidental Basis | Participation in a hazardous activity on a casual, fortuitous, occasional or minor basis. Sports tours and/or activity holidays would be considered to include participation in hazardous activities on a non-incidental basis. |
| Insured Persons: | The names listed on the policy certificate. |
| Level of Cover | The amount covered under each Section of the Policy |
| Material Facts | Any fact known to Insured which is likely to influence the Underwriter in acceptance, assessment or continuation of insurance. |
| Medical Expenses | Medical expenses incurred as a result of accidental bodily injury or illness. |
| Missed Departure | If you miss your first outward bound trip or final inbound trip because of the failure of a scheduled public transport service or the breakdown or accident of a private car in which you are travelling. |
| Money & Documents | Bank and currency notes, coins, travel and admission tickets, accommodation and meal vouchers. |
| Mugging Benefit | Inpatient hospital treatment following a violent, threatening attack by a third party causing actual bodily harm. |
| Pair or Set | Two or more items of personal effects which are complimentary or used or worn together. |
| Personal Accident | A compensationary payment made in the event of permanent disablement or death. This is distinct from Medical Expenses. |
| Personal Liability | Covers your legal liability for accidental injury to third parties or accidental damage to their property. |
| Personal Money | Cash and travellers cheques |
| Piste Closure | If Ski Cover is Purchased: When skiing is prohibited for a period longer than 12 hours during specific periods depending on location, hemisphere and altitude. |
| Policy Document | Document which outlines what is and is not covered and conditions of cover. |
| Pre-existing Medical Condition | Any ongoing medical condition, or condition, which has or will require medical treatment, including consultations or advice, within last 12 months. |
| Property Claims | Claims are based on value of good at time of loss with deduction for wear, tear and depreciation |
| Public Transport | A train, bus, coach or ferry service, or scheduled flight, running to a published timetable to join the booked travel itinerary |
| Reasonable Care | Insured must take reasonable care to prevent illness, injury, loss or damage to self or property as if uninsured. |
| Reciprocal Health Agreement | This is an agreement between certain European countries entitling their citizens to certain free health arrangements upon production of European Health Insurance Card (EHIC) |
| Relative | Spouse, parent, parent-in-law, step-parents, step children, son, son-in-law, daughter, daughter-in-law, grandparents, grandchild, brother, brother-in-law, sister, sister-in-law, fiancé(e) or common law partner |
| Repatriation | See Emergency Repatriation |
| Scheduled Airline | Cover for sums paid in advance in event of insolvency of scheduled airline Failure provider. |
| Single Item | Any one article, Pair, Set or collection |
| Ski Equipment | If Ski Cover is Purchased: Skis, ski boots, ski sticks, ski bindings, snowboard, snowboard bindings and snowboard boots |
| Ski Hire | If Ski Cover is Purchased: Loss, breakage or delay in transit of the Insured’s ski equipment necessitating the hire of ski equipment. |
| Ski Pack | If Ski Cover is Purchased: Cover for unused ski pass, ski hire or lesson fees resulting from accident or sickness, or loss or theft of ski pass |
| Sports Equipment | Items which are usually worn, carried, used or held during the participation of a sporting activity |
| Territorial Limits | The geographical areas or countries as designated on the quote or policy certificate |
| Travel Delay | The delay of first outward and/or final inbound flight, rail or sea trip from the UK. |
| Travel Documents | Passport, green card, travel tickets, visas, accommodation vouchers and petrol coupons which are lost or stolen. |
| Travelling Companion | A person who is booked to travel with the Insured. |
| Underwriter | The Underwriter is the firm who actually insures you as distinct from the broker or issuing agent. |
| Valuables | Certain items such as, but not limited to, photographic equipment, jewellery, sunglasses, etc. which are detailed in the policy schedule. |
| Wintersports | If Ski Cover is Purchased: You can find a list of wintersports here. |
| Withdrawal of Services | Facilities withdrawn by your pre-booked hotel due to strike or industrial action following purchase of insurance |
Sports & Activities
