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7. Pre-existing Conditions and Travelling against Medical Advice
a) except under section 4 arising out of a medical condition which the Person Insured knew about at
the time the Journey was booked or began unless the condition is normally stable, under control
and has been without the need for in-patient or emergency medical care in the preceding 12 months
b) arising out of travel arrangements made or undertaken against the advice of a medical practitioner

8. 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

9. Travel to Disturbed Areas
resulting from a Journey to countries and specific areas in countries where at the time of booking or
departure the Foreign and Commonwealth Office are advising against all travel or all non-essential
travel but this exclusion will not apply to loss of deposits and charges covered under section 2 where
the Foreign and Commonwealth Office publishes such advice after the time of booking the Journey.

Section 7 – Special Conditions

1. Aggregate Benefits for Sections 3 and 4
In respect of sections 3 and 4 if the aggregate amount of benefit payable in respect of any one
incident exceeds the sum of £2,000,000 the benefit payable for each Person Insured will be
proportionally reduced until the total is equal to the sum of £2,000,000.
2. Claims Procedure
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.

3. Notification to us of Potential Travelling Problems
If at the time the arrangements for the Journey are made any Person Insured is aware of any
circumstances likely to result in the Journey being delayed, cancelled or curtailed such circumstances
must be declared to us immediately.

4. Participation in Certain Activities
If it has been agreed with us that cover will operate in respect of any activity stated in special
exclusion 1. it is a condition precedent to our liability that the person in charge has reached a
reasonable standard of proficiency in the activity in which the Person Insured is participating.

5. Person Insured’s Responsibilities
The Persons Insured will:
a) take all reasonable steps to prevent accident, loss, damage or expense and to recover property
lost or stolen; and
b) give immediate notice in writing to us of any event likely to give rise to a claim under this part and
supply such further information and proofs in writing as we may reasonably require; and
c) allow us at any time to take over and conduct in the name of the Person Insured the defence or
settlement of any claim or to prosecute in the name of the Person Insured for our own benefit any
claim for indemnity or damages or otherwise against any third party.

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