Definition of words

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Sometimes in our policy wording documents, you will notice bold words or phrases, The below table has the definition to help you in the event you need further clarification.

Please note: If you are using a mobile device, you may need to scroll horizontally after searching for your activity to determine whether you have coverage or not.

Accident(s)/Accidental The Policy wording defines Accident(s)/ Accidental as :

An unexpected event which results in your bodily injury, which is due to a violent sudden and external cause occurring during a trip. This must occur at an identifiable time and place.

The following are also defined as accidents under the terms of this policy:

Asphyxia or injuries caused by gases or vapours, immersion or submersion, or from the consumption of liquid or solid matter other than foodstuffs.
Infections resulting from an accident covered by the policy.
Injuries sustained as a result of self-defence.
Injuries sustained as a result of unavoidable exposure to the elements
Active participation The Policy wording defines Active participation as :

1. The act of any person, whether combatant or non-combatant, supplying, transporting, or otherwise handling facilities, equipment, devices, vehicles, weapons, or other materials intended for use in War and Civil Unrest, or Terrorism.

2. The act of any person voluntarily entering an area known at the time to be subject to War and Civil Unrest or against the advice of the Foreign, Commonwealth & Development Office. See
Bodily injury The Policy wording defines Bodily injury as:

An identifiable physical injury sustained by you caused by violent, sudden, unexpected, external and visible means.
Carrier The Policy wording defines Carrier as:

A scheduled or chartered aircraft (excluding all non-pressurised single engine piston aircraft), land (excluding any hired motor vehicle) or water conveyance licensed to carry passengers for hire.
Cash The Policy wording defines Cash as:

Valid coins, bank and currency notes.
Close Relative(s) The Policy wording defines Close Relative(s) as the following persons only:

 the person that you live with, in a relationship for at least 6 months at the same address, whether married or cohabiting (as if husband and wife)regardless of gender;
 your children (including step, fostered or adopted children), grandchildren, parents, grandparents, brothers, sisters, parents-in-law, sons/daughters-in-law and brothers/sisters-in-law

You may be required to demonstrate the existence of the relationship.
Complications of pregnancy and childbirth The Policy wording defines Complications of pregnancy and childbirth as the following conditions only:

gestational hypertension,
ectopic pregnancy,
hydatidiform mole (molar pregnancy),
post-partum haemorrhage,
retained placenta membrane,
placental abruption,
hyperemesis gravidarum,
placenta praevia,
stillbirths,and miscarriage,
or any premature births more than 8 weeks (or 16 weeks in the case of a known multiple pregnancy) prior to the expected delivery date including; medically necessary emergency caesarean
sections, or medically necessary terminations.

PLEASE NOTE: No cover will be provided for claims relating to complications of pregnancy and childbirth where the expected date of delivery is less than 8 weeks (16 weeks for a multiple birth)after the end date of your booked trip.
Contamination The Policy wording defines Contamination as :

Poisoning, or prevention and/or limitation of the use of objects due to the effects of nuclear, chemical, biological and/or radioactive substances.
Couple The Policy wording defines a couple as:

You and your wife, husband, civil partner, common law partner or partner who lives at the same address as you.

On an annual multi-trip policy insured adults can travel independently
Cruise The Policy wording defines cruise as:

Trips on ocean or river cruise-ships/boats.

No cover is provided for cruise holidays unless you have declared this to us and “Cruise: Covered” is shown on your Validation Certificate.

Payment of an additional premium may be required.

A ferry crossing does not constitute a cruise.
Cut short/cutting short The Policy wording defines cut short/cutting short as either:

The immediate direct early return from your trip to your home country, in which case claims will be calculated from the day you returned to your home country and based on the number of complete days of your trip you have not used,
or being a hospital in-patient outside your home country for a period in excess of 48 hours.
Cyber-terrorism The Policy wording defines cyber-terrorism as:

The use of disruptive activities, or the threat thereof, against computers and/or networks, with the intention to cause real-world harm or severe disruption of infrastructure.
Destination The Policy wording defines destination as:

The geographic area through or to which you travel during your trip.
Doctor The Policy wording defines Doctor as:

A legally licensed member of the medical profession, or medical practitioner recognised by the law of the country where treatment is provided and who, in rendering such treatment is practising within the scope of his/her licence and training, and who is not related to you, or any travelling companion.
Excess The Policy wording defines an excess as:

An amount deducted per insured person, per policy section for each incident which results in a claim.

The excess amount is shown under each section in the table of benefits on pages 6 to 7 of the Policy Wording.
Family We see family for travel insurance as:

You and your wife, husband, civil partner or partner who lives with you in a relationship for at least six months at the same address as you, regardless of gender

Your unmarried, dependent children (including adopted, fostered and step-children) under the age of 18 years old (or under the age of 21 if in full-time education), living in the same household.
This includes children living away from home in full-time education.
Hijack The Policy wording defines hijack as:

The unlawful seizure or wrongful exercise of control of an aircraft, train or sea vessel that you are travelling in as a fare paying passenger.
Home The Policy wording defines Home as:

Your principal place of residence, which is used for domestic purposes, within the United Kingdom, Channel Islands or the Isle of Man.
Home Country The Policy wording defines Home country as:

Your country of residence within the United Kingdom, Channel Islands or the Isle of Man.
Illness/Illnesses The Policy wording defines Illness/Illnesses as:

Any condition, disease, set of symptoms or sickness leading to a change in your health, and as diagnosed and confirmed by a doctor during the period of cover, which is not a pre-existing medical condition unless the pre-existing medical condition has been declared and accepted by us and is shown on your Validation Certificate.
Insured person/you/your/yourself The Policy wording defines Insured person/you/your/yourself as :

Each person named on the Validation Certificate, and for whom the required premium has been paid.
Limits of cover The Policy wording defines Limits of cover as:

Unless stated to the contrary, our maximum liability in any one period of cover is limited to the amount stated in each section, per insured person.
Manual work The Policy wording defines manual work as:

Work involving physical labour (not including office and clerical work, bar and restaurant work, music performance and singing, or fruit picking which does not involve working at heights or the use of machinery).
Medical condition The Policy wording defines medical condition as:

Any medical or psychological disease, sickness, conditions (whether diagnosed, undiagnosed or a set of symptoms), illness or injury, that has affected you, or any other insured person.
Medical health declaration The Policy wording defines medical health declaration as :

The complete, true and accurate answers to our questions regarding medical information that needs to be declared to us before each period of cover by any insured person who has suffered from a pre-existing medical condition.
Medical officer The Policy wording defines medical officer as :

An appropriately licensed and qualified medical professional employed or contracted by us or by Staysure Assistance, experienced in the assessment of the requirements of medical treatment abroad and repatriation.
Pair or set The Policy wording defines pair or set as:

A number of items of personal baggage considered as being, similar or complementary, to one another, or used together.
Personal baggage The Policy wording defines personal baggage as:

personal effects (excluding golf equipment, winter sports equipment, ski pass, and valuables) and other articles which belong to you (or for which you are legally responsible)

which are worn, used or carried by you during a trip, excluding any vehicle, caravan or trailer.

PLEASE NOTE: This travel insurance policy is not intended to cover expensive items for which you should take out full ‘personal possessions’ insurance under your home contents policy.
Personal money The Policy wording defines personal money as:

travellers’ and other cheques,
travel tickets,
event and entertainment tickets
and your personal credit/debit or charge cards.
Pre-existing medical condition The Policy wording defines pre existing medical condition as:

Any past or current medical condition that has given rise to symptoms, or for which any form of treatment, or prescribed medication, medical consultation, investigation, or follow-up/check-up, has been required, or received, during the 2 years prior to the commencement of cover under this policy and/or prior to any trip: and
any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm, brain haemorrhage) that has occurred at any time prior to the commencement of cover under this policy and/or prior to any trip
Public transport The Policy wording defines public transport as:

Any publicly licensed aircraft, sea vessel, train or coach on which you are booked to travel, operating according to a published timetable.
Secure baggage area The Policy wording defines secure baggage are as:

Any of the following, as and where appropriate:

The locked dashboard, boot or locked baggage compartment of a hatchback vehicle fitted with a lid closing off the baggage area,
or of an estate car with a fitted and engaged tray or roller blind cover behind the rear seats
the fixed storage units of a motorised or towed caravan
a locked baggage box, locked to a roof rack which is itself locked to the vehicle roof
Single article The Policy wording defines single article as:

Any one article or pair or set of articles (including golf clubs) or collection which is used or worn together, except when the optional golf cover section is purchased and shown in the Validation Certificate (then the single article limit applies to each individual golf club and not the set as a whole).
Single parent family Single parent travel insurance covers one adult, and all of his/her unmarried, dependent children (including adopted, fostered or step-children) under the age of 18 (or under the age of 21 in full-time education), living in the same household, including children living away from home in full-time education.
Terrorism The Policy wording defines terrorism as:

An act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or ethnic purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public in fear.
Terrorist event The Policy wording defines terrorist event as:

An incident of terrorism specifically involving loss of life, or serious injury that results in a state of emergency being declared by the UK Government, or the government of the country to which you are booked to travel.
Trip(s) The Policy wording defines trip(s) as:

A holiday or journey for leisure purposes that takes place during the period of cover which begins when you leave home, and ends when you return home, or to a hospital or nursing home in your home country, whichever is earlier.

For single trip cover, any other holiday or trip which begins after you get back home is not covered.
Unattended The Policy wording defines unattended as:

When you cannot see and/or are not close enough to your property, or vehicle, to prevent unauthorised interference with, or theft of, your property or vehicle.
Validation Certificate The document that sets out the names of the insured persons, the geographical limits, the period of cover, any other special conditions and terms, and which forms an integral part of this policy.
Valuables You can also find details of the limits of cover for valuables in the table of benefits in the Policy Wording.

The Policy wording defines valuables as:

articles made of gold or silver or other precious metals,
precious or semi-precious stones,
musical instruments,
furs or leather clothing,
photographic equipment,
electronic audio or digital media,
games consoles,
tablets and other computer equipment and hand-held
electronic devices including but not limited to MP3
players, MP4 players, iPods, iPads, Kindles, and the
like and associated software.
War and civil unrest The Policy wording defines War and civil unrest as:

War or warlike operations (whether war is declared or not),
civil war,
acts of foreign enemies,
civil commotion,
military or usurped power,
martial law or state of siege
Winter sports Please note, that you would only be covered for these activities if you have winter sports cover on your policy.

The Policy wording defines winter sports as:

Glacier skiing,
guided cross-country skiing (Nordic Skiing),
mono-skiing (on-piste),
skiing or snowboarding (off-piste but within the confines of
the ski resort on recognised and authorised areas
skiing or snowboarding (on-piste),
Winter sports equipment Please note, that you would only be covered for these items if you have winter sports cover on your policy.

The Policy wording defines winter sports equipment as:

mono-ski or snowboard,
ski boots,
ski bindings and ski poles.

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