Travel Insurance – Glossary of Terms

Term

Definition

Accident(s)

An unexpected and unintended event that causes injury, property damage or both.

Baggage

Personal property you take with you or buy on your trip (but excluding gadgets).

Covered reasons

The specifically named situations or events for which you are covered under this policy.

Doctor

Someone who is legally authorised to practise medicine or dentistry and is licensed if required. This cannot be you, a travelling companion, your family member, a travelling companion’s family member, the sick or injured person or that person’s family member.

Excess

The amount you pay when you make a claim. This applies per person, per incident, per trip.

Exclusion

An exclusion is something that is not covered under the insurance policy. As with all insurance, this policy has benefits, exclusions and conditions. For full details of all the exclusions you must refer to the policy wording.

Family

Up to two adults that are married or are civil partners, or are permanently cohabitating in a marriage-like relationship and up to five unmarried dependent children (including adopted, foster and step-children) aged 17 or under. If divorced or separated, your natural children aged 17 or under.

Family member

Your:
Spouse (by marriage, domestic partnership or civil union);
Cohabitants;
Parents and stepparents;
Children, stepchildren, foster children, adopted children or children currently in the adoption process;
Siblings and stepsiblings;
Grandparents and grandchildren;
The following in-laws: mother, father, son, daughter, brother, sister and grandparent;
Aunts, uncles, nieces and nephews;
Legal guardians and wards; and
Paid, live-in caregivers.

Gadget

The item(s) insured by this policy, owned by you or a business where you have the relevant authority and responsibility to use and insure the gadget(s) owned by the business. Confirmation of this will be required in the event of a claim.
A gadget can be any one of the following items: Mobile Phones, Smart Phones, Laptops (including Custom Built), Tablets, Digital Cameras, Games Consoles, Video Cameras, Camera Lenses, Bluetooth Headsets, Bluetooth Speakers, Satellite Navigation Devices, E-Readers, Head/Ear Phones, Smart Watches or a wrist worn Health and Fitness Tracker.

Insurance period

The period during which you have cover under your policy. This is shown on your travel insurance certificate and schedule.

Local public transportation

Local, commuter or other urban transit system carriers (such as commuter rail, city bus, subway, ferry, taxi, for-hire driver or other such carriers) that transport you or a travelling companion less than 100 miles.

Personal money

Any of the following that are held for personal and not business purposes: cash, postal or money orders, current postage stamps, traveller’s cheques, admission tickets, local public transportation tickets, coupons, gift cards or vouchers which have a monetary value.

Pre-existing medical condition

Anything which at the start of the insurance period you would answer yes to in the medical conditions declaration.

In the last 12 months have/are you or any person to be insured on this policy:
Been prescribed medication (including repeat prescription)?
Received treatment for or consulted a doctor about any medical condition?
Attended a hospital or clinic as an out-patient or in-patient for any reason?
Been diagnosed as having a terminal condition?
Currently awaiting tests, investigations, treatment, surgery, or are awaiting the results of any tests or investigations?

Primary residence

Your permanent home address for legal and tax purposes.

Special baggage item

Collectibles, jewellery, watches, gems, pearls, beauty and body care items, furs, cameras (including video cameras) and related equipment and excludes digital cameras which are defined as gadget(s) and not as special baggage items, musical instruments, professional audio equipment (excluding headphones, earphones, earbuds, Bluetooth headsets and Bluetooth speakers), binoculars, telescopes, sporting equipment (excluding winter sports equipment), non-motorised watercraft, radios, drones, robots and other electronics, including parts and accessories for the aforementioned items but excluding any items listed within the definition of gadget(s).

Terrorist event

An act by any person or group(s) of people, whether acting alone or on behalf of or in connection with any organisation(s), which constitutes terrorism as recognised by the government authority in, or under the laws of your country of residence. It is committed for political, religious, ethnic and/or ideological purposes, or to influence any government and/or to put the public, or any section of the public, in fear. It does not include any political risk, war, or act of war.

Travel carrier

A company licensed to commercially transport passengers between destinations for a fee by land, air or water. It does not include:
Rental vehicle companies;
Private or non-commercial transportation carriers;
Chartered transportation, except for group transportation chartered by your tour operator; or
Local public transportation.

Trip(s)

Your travel originally scheduled to begin on your departure date and end on your return date to, within and/or from a location:
at least 70 miles away from your primary residence; or
abroad; and
outside your city/town of residence, provided that your travel includes a stay of two consecutive nights or more.
It cannot include travel with the intent to receive health care or medical treatment of any kind or moving or commuting to and from work.

Trip duration

UK

England, Wales, Scotland, Northern Ireland.

UK resident

This means your main address must be in the UK, and you must be registered with a GP in the UK.

War

A state or period of hostile armed conflict, civil war, or military or paramilitary action, between two or more of the following: a nation, a state, a government, a territory, or an organised political or ruling group. This includes any acts or events directly associated with and occurring in the course of such conflict or action, or directly triggering such conflict or action. This definition applies regardless of whether war has been officially or formally declared.

Winter sports equipment

Skis (including bindings), ski boots, ski poles, snowboards (including bindings), ice skates and essential clothes which you own or hire.

We/Us/Our

Sections A-P:
Allianz Assistance, acting on behalf of the insurer – AWP P&C S.A.
Section Q:
Taurus Insurance Services Limited, who administer and arrange the insurance on behalf of the insurer – AmTrust Specialty Limited.

You/Your

Any one or more of the persons listed as being insured on the policy schedule.