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3. Excluded Causes
caused by the Person Insured being intoxicated or using illegal drugs, committing or attempting suicide
or deliberately self-harming, participating in civil commotion or riot or deliberately exposing themselves
to unnecessary danger except in an attempt to save human life

4 Non-Passenger Air Travel
caused by air travel other than as a passenger in a licensed passenger carrying aircraft

5 Terrorism
directly or indirectly arising out of, contributed to by or resulting from actual, threatened, feared or
perceived use of biological, chemical, radioactive or nuclear agent, material, device or weapon.

Section 5 – Special Conditions

1. Claims Procedures
In the event of any incident giving or likely to give rise to a claim under this part you will as soon as
possible and at your own expense:
a) inform us in writing

b) furnish such information as we may require and render all assistance as may be requested
c) supply all necessary certificates including evidence of death or injury with a report from a qualified
medical practitioner if required.
In the case of injury our medical representative will be allowed to visit and examine the Person Insured
at all reasonable times and if such visit or examination is not permitted the insurance will be void in
respect of that injury.

2. Death Benefit Limitation
The amount payable in respect of death for persons:
a) under 18 years of age, and
b) who are still in full-time education

at the date of sustaining bodily injury is limited to £7,500.

3. Incident Limit
If the aggregate amount payable under this part in respect of any one incident exceeds the sum of
£2,000,000 the amount payable for each Person Insured will be proportionately reduced until the total
is equal to the sum of £2,000,000.

4. Participation in Certain Activities
It will be a condition precedent to our liability that in respect of:

a) any hazardous activity or any pursuit requiring special skills the Person Insured has achieved a
reasonable standard of proficiency in the said activity or pursuit or is under the direct supervision
of a person suitably qualified
b) yachting and canoeing life jackets or buoyancy aids are worn by the Person Insured and for other
sailing except in rowing boats life-saving equipment is carried on the vessel.

5. Single Person Limit
The amount payable in respect of any one Person Insured will not exceed £500,000.

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