What you are not covered for. Any claim unless you get a letter from the local embassy or consulate you reported the loss to.
i Special conditions and notes applying to section 4
What you are not covered for. Loss of passport
What you are not covered for. Any medical condition set out under “Health exclusions” on page B3. • Any claim where you do not take your prescribed medication or follow vaccinations or other preventative measures (such as malaria tablets) as recommended by: - your doctor before you travel; - the doctor treating you while you are away; - the Danish Ministry of Foreign Affairs (Udenrigsministeriet), World Health Organisation (WHO) or any government or other official authority. • Costs relating to pregnancy except where these arise from complications or early birth (more than 8 weeks prior to your due date). • The cost of: - services or treatment that we have not agreed, and, in the opinion of the doctor treating you or our medical advisers (or both), can wait until you return to Denmark; - treatment which is not directly related to the illness or injury that caused the claim; - taxi fares and phone calls (including mobile calls); - meals, beverages and car hire; - having a single or private room; - travel and accommodation of a higher standard than those originally booked for your trip; - travel and accommodation for more than one person to stay with you or travel to be with - replacing any medication you were using when you began your trip; - services or treatments you receive within Denmark; - your burial or cremation within Denmark; or - dental work not needed in an emergency, replacing or repairing false teeth or artificial teeth (such as crowns), or any work involving the use of precious metals.
i Special conditions and notes applying to section 1
What you are not covered for. An excess of DKK 220. • Loss or theft of personal belongings, unless you have reported it to the police within 24 hours of discovery and been given a written police report. • More than the value of the part of the pair or set that is lost, stolen or damaged. • Claims for more than one mobile phone for each insured person. • Breakage or damage to: fragile items; sports equipment while it is being used; audio, video, computer, television, fax or phone equipment. • Loss or damage due to climate, wear and tear, depreciation, moths, vermin or the process of cleaning. • Losses that may arise as a result of use of credit/debit cards, cheques, bills of exchange and utilisation of accounts. • Damage caused by the contents of bottles or other containers leaking or breaking. • The cost of replacing or repairing false teeth. • More than DKK 400 for tobacco, alcohol, fragrances and perfumes. • Loss or theft of, or damage to, the following: - personal belongings while in the possession of your transport or accommodation provider, unless you have reported it to them within 7 days of discovery and they have given you a Property Irregularity Report (PIR) or other similar written confirmation detailing the damage or the permanent loss; - items where you are unable to provide receipts or other proof that you bought or own the items and proof of the value; - unattended personal belongings; - valuables unless they are on your person, locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your trip; - valuables packed in suitcases, trunks or similar containers; - valuables left in a motor vehicle; - personal belongings left in an unlocked motor vehicle; - personal belongings left in a tent; - personal belongings that have been mislaid or forgotten; - any films, tapes, cassettes, computer games, electronic games, mini-discs, DVDs, video and audio tapes, cartridges or discs, that are not pre-recorded and released for public purchase; - narcotics, motorised vehicles, valuable documents or animals. • Any item which has been covered by another insurance policy. • Any deductions applied to your claim payment by another insurer.
i Special conditions and notes applying to section 3
What you are not covered for. Any claim: - not reported to us within 90 days after the event causing the claim; - involving legal action between members of the same household, a relative, a travelling companion, or one of your employees; - where another insurer or service provider has refused your claim or where there is a shortfall in the cover they provide; - against a travel agent, trip provider or carrier, us, the insurer, another insured person or - related to your occupation; or - involving your use or control of a motorised vehicle. • Legal costs awarded as a personal penalty against you or your lawyer (for example, for not keeping to court rules).
What you are not covered for. What we will need if you make a claim Please read the general exclusions on page B4 that also apply.
What you are not covered for. An excess of DKK 1 750. • Any fines or exemplary damages (fines that punish, or aim to punish, the person responsible, rather than awarding compensation to the victim) you have to pay. • Any costs as a result of you admitting liability for something you were not responsible for. • Liability arising from any of the following: - Death or injury of people who work for you, a travelling companion or a relative; - Loss of or damage to property, including temporary holiday accommodation, that is owned by you, a travelling companion, a relative or someone who works for you; - Your business, trade, profession, job or any other activity you do for financial benefit; - Your involvement in manual work of any kind; or - You owning, using or having control of: • animals; • firearms (except sporting guns used in a controlled environment and suitably supervised - for example, clay pigeon shooting); • motorised or mechanical vehicles and any trailers attached to them; • aircraft; or • motorised watercraft or sailing vessels (see “Special conditions and notes applying to section 9” if your trip is an organised boating or sailing holiday).
i Special conditions and notes applying to section 8 you get the necessary insurance as this is not covered under this policy. • You must not negotiate, pay, settle, admit or deny any liability to anyone else, without first
What you are not covered for. Any claim: - if you did not leave enough time to arrive at your departure point, taking into account prevailing or expected weather or traffic conditions; - if you have made travel arrangements independently from those included on your package holiday, and not left more than 3 hours between the arrival of your flight or other transport and the departure of any connecting flight or other transport; - if you could reasonably have made other travel arrangements to reach your departure point in time; or - unless you get written confirmation of the reason for the delay from the relevant authority. or was announced before you bought your policy or booked your trip (whichever is later). • Any costs which are recoverable directly from the travel or accommodation providers or the tour operator. • Anything that is caused by you not checking in at the departure point when you should have done. • Any delay caused by a strike or industrial action which began or was announced before you booked your trip or bought your policy (whichever is later). • Any claim where you do not get written confirmation from the transport provider of the reason for the delay and the actual departure time.
What you are not covered for. Medical condition Maximum benefit payable Please read the general exclusions on page B4 that also apply.
i Special conditions and notes applying to section 2
What you are not covered for. Section 8 - Legal expenses