HUMBERSIDE POLICE FEDERATION

1 HUMBERSIDE POLICE . FEDERATION . TRAVEL INSURANCE POLICY. Effective from 1 April 2017. Scheme Reference MT17/1512. SUMMARY OF COVER. Period of Master Policy Certificate - 1st April 2017 to 31st March 2019. SECTION LIMIT* EXCESS** PAGE. Trip duration 60 days Maximum age 74 years age attained (Cover ceases on 75th birthday). Dependent child maximum age 17 years or 21 years if in full time education (inclusive). Section 1 Cancellation 5,000 50 5. Section 2 Curtailment 5,000 50 5. Section 3 Emergency Medical Expenses 10,000,000 50 5. Emergency Dental Treatment 350 50 Funeral Expenses Abroad 1,000 50. Section 4 Personal Accident 20,000 Nil 6. Section 5 Baggage & Personal Effects 2,000 50 6. Single Item Limit 500 50. Total Valuables Limit 500 50. Delayed Baggage (after 12 hours) 250 Nil Section 6 Money 500 50 7. Cash Limit 300 50. ( 50 for under 16's). Section 7 Loss of Passport / Driving Licence Expenses 250 Nil 7.

2 Section 8 Travel Delay (12 hours or more) 60 Nil 7. Trip Abandonment (after 12 hours) 5,000 50. Section 9 Missed Departure 500 50 8. Section 10 Personal Liability 2,000,000 50 8. Section 11 Overseas Legal Expenses 25,000 Nil 8. Section 12 Hijack 1,000 ( 100 per 24 hours) Nil 9. Section 13 Sports & Activities 9. Level 1 (included as standard). Level 2 (available upon payment of additional premium). Section 14 Winter Sports (up to 21 days) 10. Sports Equipment 500 50. Equipment Hire 300 50. Winter Sports Pack 300 50. Piste Closure 300 Nil Section 15 Uninhabitable Accommodation 500 Nil 10. Section 16 TRAVEL DISRUPTION EXTENSION 10. Extended cancellation or curtailment charges Up to 5,000 50. Extended delayed departure cover (12 hours or more) 60 Nil (or up to 5,000 - unused costs) 50. Extended missed departure Up to 500 50. Accommodation cover Up to 5,000 50. * Limits of cover apply to each insured person ** The excess is applicable per person, per policy section to a maximum of two excesses per insured incident.

3 Medical Conditions Exclusion Page 3. General Conditions and General Exclusions Page 12 & 13. Claims Procedure & Complaints Procedure Page 13 We bring your particular attention to the following conditions and exclusions You will not be covered if You, anyone You are Medical Conditions Exclusion The policy will not cover baggage, valuables, Sections 5 & 6. travelling with or anyone else on who the trip jewellery or money left unattended unless stored depends are affected by the circumstances shown in a locked safety deposit box or safe. in the Medical Conditions Exclusion. There is no personal liability cover for hire, use or You will not be covered if you choose to travel to General Exclusion 2 possession of any vehicle or in relation to your Section 10. a country or region against the advice issued by employment. the Foreign & Commonwealth Office. Telephone Losses resulting from participation in high risk +44 (0)20 7008 1500, website: sports and leisure activities are excluded.

4 Cover What is covered Notes 6 & 7. You will not be covered for additional costs Section 1 can be provided for certain sports and activities page 3. incurred as a result of any delay in telling your but you may be required to pay an additional travel provider that you need to cancel your trip. premium. You must obtain written confirmation General Exclusions 18 & 19. There are maximum limits within the baggage and Sections 5 & 6 from us if you require cover for planned activities. money sections for any one article, pair or set, Cover within the United Kingdom is limited to jewellery, valuables and money. pre-booked trips of 1 night or more in paid Baggage claims are paid based on the value of Section 5 accommodation. the goods at the time they are lost and not on a new for old' basis; claim payments will be subject to a deduction for wear and tear. You should read the Policy Wording and Terms and Conditions carefully to ensure that the insurance fully meets your requirements.

5 It gives you full details of what is and is not covered and the conditions of the cover. If you have any queries or require any information about this travel insurance contact Philip Williams & Co 01925 604421. 2. TRAVEL INSURANCE POLICY - hold the appropriate qualification or licence, or This policy wording including any cover notes, forms a - have subscribed to an accredited organisation for the contract of insurance between Millstream Underwriting Ltd activity and that you act in a reasonable way and use all (insured by Arch Insurance Company (Europe) Ltd) and the recommended equipment and protective clothing that is Trustees of the scheme. Membership of the scheme, by necessary. subscribing members and their families as described below, is subject to acceptance at the discretion of The Trustees. The LIMITS OF COVER AND EXCESSES. policy wording explains the conditions, exclusions and limits The limits of cover under each section are shown on the of cover we provide.

6 Summary of Cover (page 2) and apply to each insured person. This policy has an excess as shown on the Summary of POLICYHOLDER Cover which will be deducted in the event of a claim under The appointed Trustees for the time being of the HUMBERSIDE certain sections. The excess is applicable per person, per POLICE FEDERATION Insurance Scheme as recorded in the Trust policy section to a maximum of 100 per insured incident. Deed. [The Trustees.]. WHEN COVER STARTS AND ENDS. WHO IS COVERED The Master Policy Certificate runs from 1st April 2017to 31st March a. The subscribing member and co-habiting partner aged up 2019 inclusive for all valid subscribing members of the scheme. to 74. All cover will cease on the member's 75th Birthday. b. Dependant children normally resident with the member are Cancellation cover starts from the time of booking a trip covered aged up to 17, or 21 if in full time education.

7 All cover providing it is within the period of the Master Policy Certificate for children will cease on their 18th birthday, or their 22nd shown above and ends when you leave your home to birthday if they are in full time education, or when they leave commence the trip. full time education if between the ages of 18 and 21 years. All other sections of cover start from when you leave your home to commence the trip. Cover applies for the duration Cover is only available to people resident in the United of the booked trip (or earlier return to the United Kingdom). Kingdom and is only valid for trips starting in and returning to including the period of travel directly to the departure point the United Kingdom. You must have a permanent residential and back home directly afterwards, not exceeding 24 hours address in the United Kingdom and unrestricted right of entry in each case. to the United Kingdom.

8 If your return is unavoidably delayed for an insured reason, WHAT IS COVERED cover will be extended free of charge for up to 30 days It is very important that you carefully read the terms, maximum providing it is within the period of the Master Policy conditions and exclusions of this insurance to ensure that you Certificate shown above. are properly covered for your planned trip. WORKING ABROAD. You are covered for: This insurance is extended to cover work abroad of the 1. holidays and leisure trips starting and ending in the United member only as defined on page 4. This insurance does not Kingdom. extend to cover the business activities of any other family 2. trips with a maximum planned duration of up to 60 days. member, otherwise insured by the policy. You are not covered NOTE: TRIPS WITH A SCHEDULED DURATION OF MORE under Section 11 - Personal liability when you are working.

9 THAN 60 DAYS WILL NOT BE COVERED UNDER THIS POLICY. AND YOU MUST ARRANGE SEPARATE INSURANCE FOR THE STATEMENT OF FACT. WHOLE DURATION OF THESE TRIPS. You must, to the best of your knowledge, have given accurate answers to the questions we have asked in this policy. If you 3. You have worldwide cover. You must observe travel have not answered the questions truthfully it could result in advice issued by the Foreign & Commonwealth Office your policy being invalid and that could leave you with no right (FCO). No cover is provided under any section of this policy to make a claim. if you choose to travel to a destination to which the FCO has advised against all or all but essential travel. Travel advice If you think that any of your answers might be incorrect, or if can be obtained from the Foreign & Commonwealth Office; you need any help, please contact us as soon as possible and Telephone: +44 (0)20 7008 1500 Website: www.

10 We will be able to confirm if we are still able to offer you cover 4. trips within the United Kingdom if it is pre-booked in paid under this policy. accommodation and for 1 night or more. There is no cover under Section 3 Medical Expenses for trips within the United MEDICAL CONDITIONS EXCLUSION. Kingdom. The policy will not cover you if any of the following apply to 5. winter sports activities and scuba diving up to 30 metres you, a travelling companion, an immediate relative, close in depth, for up to 21 days duration in total during any 12 month business associate or someone upon whom your trip depends period. whether they are travelling with you or not (including any 6. participating in sports and activities under Level 1 as third party with whom you may be staying on your trip): detailed in Section 14. 1. You/they were aware of any reason why the trip could be 7. participating in sports and activities under Level 2 as cancelled or curtailed.