Please contact us in writing. We can be contacted as follows:
By email: insurancerefunds@ryanair.com.
By fax to: +353 1 609 7902
By post: Ryanair Insurance Refunds Department, Phoenix House, 28 Conyngham Road, Dublin 8 Ireland.

Please ensure you quote the Ryanair booking reference and flight details, full contact address for the booking and the names & policy numbers of those passengers who wish to cancel within your written request.

If you need to make a claim, please obtain a claim form no later than 31 days after the event by:
• Telephoning Travellers Protection Services Limited on 08707 744199, or
• Writing to Travellers Protection Services Limited, 1 Prince of Wales Road, Norwich, NR1 1AW

Complaint’s Officer, Ryanair Travel Insurance, 1 Prince of Wales Road, Norwich, NR1 1AW.
Tel: 0870 774 4199.  Fax: 0870 774 4045.  Email: sroe@tpsltd.com

In the event that you remain dissatisfied and wish to make a complaint, you can do so by contacting the following:
The Head of Claims, UK Underwriting Limited, 2 Gibraltar House, Bowcliffe Road, Leeds LS10 1HB.

If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service.  This also applies if you are insured in a business capacity but have a group annual turnover of less than £1 million, or are a charity with an annual income of less than £1 million, or are a trustee of a trust with a new asset value of less than £1 million.  You may contact the Financial Ombudsman Service at:
Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, Docklands, London E14 9SR. Telephone: 0845 080 1800
This does not affect your statutory rights.

THIS IS TO CERTIFY that the Insurer, in consideration of the premium specified on your certificate of insurance or booking invoice, agrees to indemnify the Insured person(s) specified on the certificate of insurance or booking invoice in respect of the covers listed in the Schedule of Benefits.

This Travel Insurance is arranged Acumus Insurance Solutions Limited with UK Underwriting Limited on behalf of:

Axa Insurance UK plc. Registered Office: 5 Broad Street, London, EC2N 1AD, Registered in England No. 78950, and Primary Insurance Company Limited, an insurance company established in Ireland and authorised and licensed by the Irish Financial Services Regulatory Authority.  Registered in The Republic of Ireland, registration number E340407, registered office First Floor, Fitzwilton House, Wilton Place, Dublin 2, Ireland.

Acumus Insurance Solutions Limited, UK Underwriting Limited and Primary Insurance Company Limited are all members of the Primary Group. For further details please visit www.primary.group.com. Acumus Insurance Solutions Ltd., UK Underwriting Ltd. and Axa Insurance UK plc are authorised and regulated by the Financial Services Authority.

This document only constitutes a valid insurance policy when it is issued in conjunction with a valid certificate of insurance or booking invoice between 01.01.2007 and 31.12.2007. All policies must expire prior to 31.12.2008.

TERRIRORIAL LIMITS

The Underwriter hereby draws your attention to some important features of your travel insurance policy. If you would like more information, please contact the issuing agent, particularly if you feel the insurance may not meet your needs.

HEALTH CONDITIONS
Your policy excludes Pre-existing Medical Conditions known to you concerning the health of: you, your relatives, your travelling companions, or anyone whose ill health would force You to cancel or cut short your trip. Please read the definition of a ‘Pre-existing Medical Condition’ overleaf.

RECIPROCAL HEALTH AGREEMENT / EHIC
Travellers to European Union countries should obtain Form EHIC from their Local Health Board (ROI) or Post Office (UK). This will entitle them to benefit from the reciprocal health agreements which exist between certain European Countries. In the event of a claim being accepted for medical expenses which has been reduced by the use of a Form EHIC, or Private Health Insurance, the deduction of the excess under Section B will not apply.

PROPERTY CLAIMS
These claims are paid based on the value of goods at the time you lose them and not on a ‘new for old’ or replacement cost basis. Wear, tear and depreciation will be deducted.
Certain items of personal property are not covered. Police reports are required for all losses involving theft and other losses require alternative appropriate reports, such as an Airline Property Irregularity Report, a Hotel Managers report, etc.

POLICY DOCUMENT
You should read this document carefully. It gives you full details of what is and is not covered and the conditions of the cover. Cover will vary from policy to policy and underwriter to underwriter.

CONDITIONS, EXCLUSIONS AND WARRANTIES
Conditions and exclusions will apply to individual sections of your policy, while general exclusions and general conditions will apply to the whole of your policy. It is a condition of this policy that all material facts must be disclosed to the underwriter at the time of taking out this insurance. Failure to do so may result in the underwriter’s non-liability for claims.

DATE RECOGNITION FAILURE
There is limited cover under the policy for claims arising from the failure of computers and other data processing systems to correctly recognise the year as it’s true calendar date. The exact extent of this exclusion can be ascertained by reading exclusion 1.

DANGEROUS SPORTS OR PASTIMES
There is no cover under the insurance for claims arising from any activity which requires a degree of skill or involves a greater risk.

PERSONAL LIABILITY
There is no cover for Personal Liability claims arising directly or indirectly from, happening through or in consequence of ownership, possession or use of any mechanically propelled vehicle, conveyance, aircraft or watercraft.

POLICY LIMITS
All sections of your policy have limits on the amount the underwriter will pay under that section. There are also specific limits under the Personal Effects and Baggage section for: single items; valuables; items for which an original receipt, proof of purchase or an insurance valuation (obtained prior to loss) is not supplied.

POLICY EXCESSES
Under most sections of the policy, claims will be subject to an excess. The excess will be applied per person, per section and per incident under which a claim is made. This means that you will be responsible for the first part of the claim. The amount you have to pay is the excess.

REASONABLE CARE / UNATTENDED PROPERTY
You must exercise reasonable care to prevent illness, injury or loss or damage to your property, as if uninsured. There is no cover for property left unattended in a place to which the general public has access. There is no cover for loss of money which was not carried on your person unless placed in a safety deposit box or similar locked, fixed receptacle.

COOLING OFF PERIOD
We hope you are happy with the cover this policy provides. However, if after reading this policy, this insurance does not meet with your requirements, please contact us within 14 fourteen days of issue, and providing travel has not taken place, we will refund your premium. You can contact us as follows, depending on how you purchased your travel insurance policy:

• If you purchased your travel insurance policy via www.ryanairtravelinsurance.com - please contact us by email. The email address is ryanairenquiry@acumus.com.

• If you purchased your travel insurance policy during the initial flight reservation process, via Ryanair.com or your local reservations centre, then you should send your refund request by e-mail to insurancerefunds@ryanair.com. Alternately you can send a fax to +353 1 609 7902 or write to the Ryanair Insurance Refunds Department, Phoenix House, 28 Conyngham Road, Dublin 8, Ireland with your refund request.

Please ensure you quote the Ryanair Booking Reference & flight details, full contact address for the booking and the names & policy numbers of those passengers who wish to cancel within your written request.

If your policy is an annual multi-trip policy, the Underwriter shall not be bound to accept renewal of any Insurance and may at any time cancel any insurance document by sending 14 days notice to the Insured at his last known address. Provided the premium has been paid in full the Insured shall be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the Insurance.

AGE LIMITS
There are different age limits under the policy according to the type of policy purchased. Please refer to the Policy Periods section.

RESIDENCY
To be eligible for this insurance policy, you must be a UK or Republic of Ireland resident at the time of taking out this policy. Please refer to the definition of a resident.

GOVERNING LAW
This certificate shall be governed by and construed in accordance with the Law of England and Wales unless the certificate holder’s habitual residence (in the case of an individual) or central administration and/or place of establishment is located in Scotland in which case the law of Scotland shall apply.

COMPLAINTS PROCEDURE
If you have any cause for complaint regarding this insurance, please refer to the Complaints Procedure.

MISSED DEPARTURE
Your policy does not cover missed connecting flights.

CANCELLATION AND CURTAILMENT
The coverage under cancellation and curtailment only covers certain situations that lead to cancellation or curtailment. The reasons for cancellation are specified below.

Inter Group Assistance Services will provide immediate help if you are ill or injured outside the United Kingdom or Channel Islands. They provide a 24 hour emergency service 365 days a year and you can contact them on:

• Emergency Number 0870 420 3815
• Emergency Fax Number 0870 420 3816
• Quote reference: IGCS1690

For all Sections If you need to make a claim, please obtain a claim form no later than 31 days after the event by:

• Telephoning Travellers Protection Services Limited on 08707 744199, or
• Writing to Travellers Protection Services Limited, 1 Prince of Wales Road, Norwich, NR1 1AW.

When returning the claim form, please include all relevant documentation. Please send originals – not photocopies (keep copies for your records). For all claims you will need to send your original insurance certificate and your original holiday booking invoice. Please note that if you originally purchased a Standard Ryanair Ticketholder Single Trip Policy and have subsequently purchased an additional Ryanair policy to upgrade your cover, prior to your departure, you will need to provide the original insurance certificates for both policies.

UK Underwriting Limited are an Insurers agent and in the matters of a claim act on behalf of the Insurer.

A single return trip as defined in the Period of Insurance.

• If you hold a valid Ryanair flight ticket - There is no age limit.
• If you do not hold a valid Ryanair flight ticket – 69 if you are only travelling within Europe, or 64 if you require worldwide cover.

A single outward trip, as defined in the Period of Insurance. The Period of Insurance shall expire normally or in any event not later than 24 hours after the time you first leave the immigration control of your final destination country.

The maximum age, at the date of departure, for this type of policy is as follows:

• If you hold a valid Ryanair flight ticket - There is no age limit.
• If you do not hold a valid Ryanair flight ticket - 69 if you are only travelling within Europe, or 64 if you require worldwide cover.

Any number of return trips as defined above. This type of policy includes:

• A maximum duration of 31 days any one trip,
• Cover for overnight trips within the UK or Republic of Ireland, Channel Islands and Isle of Man providing the trip is over 50 miles from home and accommodation has been prebooked for two or more nights, and
• Wintersports cover for up to 24 days per policy period.

The maximum age for this type of policy is 64 at the date of issue.

Under Section A (for cancellation), the insurance is effective from the date of issue of the certificate and terminates on commencement of your trip. In respect of all other sections, the insurance commences when you leave to commence the trip described in the territorial limits and shall cease with whichever occurs first of the following:

• The expiry of the policy period as shown on the certificate;
• Your return as planned, at the end of the trip,
• Your first return prior to the planned return at the end of the trip.

The period of insurance will be extended day by day up to a maximum of 30 days after the expiry of the period stated on the certificate when the return is necessarily delayed as a result of your ill health or failure of public transport, provided that Inter Group Assistance has been notified.

In respect of one-way trips only the period of insurance shall cease with whichever occurs first of the following: the expiry of the policy period or 24 hours after the time you first leave the immigration control of your final destination country.

Under Section A (for cancellation), the policy is effective from the later of either:

• the date of issue of the certificate; or
• the time at which the trip is booked and ends at which ever happens first:
  • the start of your trip; or
  • the expiry of the policy

In respect of all other sections, the policy commences when you leave to commence the trip described in the territorial limits and shall cease with whichever occurs first of the following:

• The expiry of the policy period as shown on the certificate;
• Your return as planned, at the end of the trip,
• Your trip exceeding the maximum trip length.

The following items are not considered to be personal effects:

Any illness or injury which:

• restricts your mobility; or
• results in you being a patient in hospital for more than 48 hours.

A journey which begins when you leave to commence your trip and ends on your planned return, during the period of insurance, to either:

1. Your home, or
2. The place at which you are temporarily residing, or
3. A hospital or nursing home in the UK or Republic of Ireland, following your repatriation.

The underwriter will pay, up to the amount shown in the Schedule of benefits, for your proportion of the costs which you have paid or agreed to pay and which you cannot recover from any source, if it is necessary and unavoidable to cancel or cut short your trip as a result of:

1. death, serious injury or illness, during the period of insurance of:
   • you; or
   • a person you are travelling with; or
   • a relative; or
   • a close business associate who lives in the United Kingdom or Republic of Ireland; or
   • a friend or relative who lives abroad with whom you are staying.
2. you or the person you are travelling with:
   • being required in the UK or Republic of Ireland for jury service, as a witness in a Court of Law; or
   • being under compulsory quarantine; or
   • being required to be present by the police, as a result of your home or their home or usual place of business in the UK or Republic of Ireland suffering a burglary within seven days of the start of your trip; or
   • suffering accidental damage to your home or to your travelling companion’s home within seven days of the start of your trip; or
   • being made redundant under current Redundancy legislation; or
   • being pregnant and you or the person you are travelling with, are expected to give birth within three months of the booked start date or return date of your trip; or
   • suffering any medical complications arising from pregnancy or childbirth prior to the sixth month; or
   • being posted overseas or receiving emergency requirements of duty in the Armed Forces, Police, Fire, Nursing or Ambulance Services.

In addition, if you have booked a self drive holiday and it is necessary to cancel your trip as a result of your vehicle being involved in an accident within seven days of your intended trip duration , we will pay for your proportion of the costs which you have paid or agreed to pay and which you cannot recover from any source.

The underwriter will not pay for the following in addition to the general exclusions in connection with claims made under section A:

• the excess as shown in the Schedule of benefits ;
• any claim for curtailment which has not been approved by Inter Group Assistance, prior to your return to the UK or Republic of Ireland.
• any claim which is not supported by written medical confirmation and clinical reports from medical service providers as well as other proof of the happening of an event causing you to cancel or cut shortyour trip;
• any costs which you have paid or agreed to pay, if your trip is cancelled for the following reasons:
  1. claims arising directly or indirectly as a result of a pre-existing medical condition relating to you, your travelling companion, a relative or close business associate of yours or your travelling companion, or the person with whom you have arranged to stay whilst on the trip.
  2. the person whose medical condition giving rise to the claim:
     1. is travelling for the purpose of having medical treatment during the trip duration; or
     2. is travelling against the advice of a medical practitioner; or
     3. has received a terminal prognosis by a registered doctor before taking out this policy; or
     4. is on a hospital waiting list; or
     5. is awaiting the results of medical investigations
  3. you have failed to have any recommended vaccines, inoculations or medications prior to your trip
  4. you have failed to get the relevant passport or visa
  5. unlawful or criminal proceedings against you or a person you are travelling with
  6. redundancy, which is not notified during the period of insurance
  7. any claims arising directly or indirectly from pregnancy if you or the person you are travelling with were pregnant when you took out this policy or booked this trip and were due to give birth within three months of the return date of this trip.
  8. medical complications arising from pregnancy or childbirth where prior medical complications have existed
  9. your disinclination to travel, phobias, anxiety or stress
  10. your personal financial circumstances, other than you being made redundant after the issue date of the certificate
  11. your late arrival at the airport or port after check in or booking in time .
• any costs in respect of the following
  1. any claims arising directly or indirectly from the cancellation or curtailment of travel arrangements in any way caused or contributed to by or on the order of any government, public or local authority including but not limited to any civil or federal aviation authority.
  2. loss of air passenger duty
  3. unused timeshare property, airmiles or other promotions of this nature
  4. your loss of enjoyment of the trip, however caused
  5. your failure to advise us of any material fact prior to the issue of the certificate or prior to your departure on your trip
  6. unused portions of your original ticket, where repatriation has been made
  7. your travel expenses for you to return to the UK or Republic of Ireland, if you do not already possess prepaid return travel tickets
  8. any cancellation or curtailment costs which the underwriter would not have had to pay had you notified the travel agent, tour operator or provider of transport or accommodation immediately after you knew you would be cancelling or curtailing your trip.
  9. any repair costs to your private motor vehicle
  10. any claim resulting from you or a person you are travelling being posted overseas or receiving an emergency requirement of duty, following an act of terrorism, war or invasion.

(i) Medical and teatment expenses

• reasonable and customary medical, surgical and hospital expenses incurred outside your country of residence
• emergency dental treatment for the relief of pain up to £200, or equivalent in Euros.

(ii)Funeral and Repatriation expenses.

If you die during the trip or oneway trip, the underwriter will pay up to £3,000, or the equivalent in Euros, for the following:

• the funeral expenses in the country where your death occurs, or
• the cost of returning your body or ashes home

(iii) Travel and accommodation expenses

• reasonable additional travel and room only accommodation expenses incurred by you and one person travelling with you, as a result of you receiving medical advice from a registered doctor in attendance and the underwriter’s medical advisors, that your originally planned return journey home to the UK or Republic of Ireland, is impossible due to medical reasons.

The underwriter will not pay for the following in addition to the general exclusions in connection with claims made under section B:

• the excess as shown in the Schedule of benefits on page 1
• any costs or expenses, if you have not advised Inter Group Assistance and received their agreement to these costs, in the event of you:
  1. dying, or
  2. incurring medical or treatment expenses above £500, or equivalent in Euros, or
  3. being involved in an accident, or
  4. being admitted to hospital, or
  5. curtailing your trip due to medical reasons; or
  6. missing your flight due to medical reasons
• any medical costs or expenses, if you are in Australia and you have not enrolled with Medicare
• claims arising directly or indirectly as a result of your preexisting medical condition.
• any medical, hospital or treatment expenses in your country of residence or the country in which you are temporarily residing and commenced your trip from.
• any medical, hospital, treatment, funeral or repatriation expenses if you:
  1. have received a terminal prognosis by a registered doctor before taking out this policy, or
  2. are travelling for the purpose of obtaining medical treatment, or
  3. are travelling against the advice of a medical practitioner, or
  4. are on a hospital waiting list, or
  5. are awaiting the results of medical investigations
• any medical, hospital, treatment expenses, which in the opinion of the underwriter’s medical advisors, are not essential or can be reasonably delayed until your return home to the UK or Republic of Ireland
• any costs arising from you arranging a single or private accommodation room in a hospital, clinic or nursing home
• claims arising directly or indirectly from pregnancy, if:
  1. you were pregnant when you took out this policy or booked this trip and were therefore aware that you were due to give birth within three months of the return date of this trip, or
  2. you have had complications in any previous pregnancy
• dental treatment which is not for the purpose of relieving immediate pain or suffering
• any medical, hospital or treatment expenses, which have not been authorised at the time by a recognised registered medical practitioner
• any medical, hospital or treatment expenses, which you have incurred after:
  1. you have refused the offer of repatriation when, in the opinion of the underwriters medical advisors, you are fit to travel
  2. the underwriter has repatriated you to your final destination, rather than the UK or Republic of Ireland, during your oneway trip
• any physiotherapy or associated treatment costs, if they are not part of an ongoing treatment programme for a serious injury, which in the opinion of the underwriter’s medical advisors, cannot be reasonably delayed until your return home
• non continuous treatment
• any upgrades from economy class travel, unless the underwriters medical advisors specify this necessary on medical grounds
• any costs or expenses if you do not have a prepaid return ticket to the UK or Republic of Ireland, or the country in which you are temporarily residing, at the start of your trip
• any medication or drugs which you know you will need at the start of the trip
• the cost of any treatment or surgery, including exploratory tests, which are not directly related to the illness or injury, for which you went into hospital or clinic abroad
• loss or damage to dentures, artificial limbs, hearing aids, contact or corneal lenses or prescription depreciation in value, currency changes, shortage caused by any error or omission, loss or spectacles
• any repatriation expenses to the UK or Republic of Ireland, if you are travelling on a one way trip and your final destination is nearer.

The underwriter will not pay for the following in addition to the general exclusions in connection with claims made under section D:

• the excess as shown in the Schedule of benefits
• claims for theft of your personal effects and baggage if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
• more than £50, or equivalent in Euros, per single item, up to a maximum of £150, or equivalent in Euros, in total for any one claim, if you are unable to provide the original receipt, proof of purchase or an insurance valuation which was obtained prior to the loss
• any claim if the loss, damage or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
• wear, tear, or depreciation
• loss, theft or damage arising from the delay, detention, seizure or confiscation by Customs or other officials
• damage caused by the leakage of powder or liquid carried within your personal effects or baggage
• any breakage of fragile articles, unless the breakage is caused by fire or an accident involving the vehicle in which you are being carried
• claims arising for loss, theft or damage to:

  a) prams or buggies, or

  b) wheelchairs, or

  c) motor vehicles, or

  d) marine equipment, or

  e) diving equipment, or

  f) watercraft, surfboards, sailboards or their related accessories, or

  g) other equipment or fittings of any kind

• damage to, or loss or theft of your personal effects or baggage, if they have been left:

  a) unattended in a place to which the general public has access

  b) in the custody of a person who does not have an official responsibility for the safekeeping of the property

  c) in an unattended motor vehicle, unless they have been taken from a locked boot between 8am-8pm local time and there is evidence of forced entry, which is confirmed by a police report

• loss or damage to sports equipment, whilst in use
• loss, theft or damage to anything being shipped as freight under a Bill of Lading, dentures, bridgework, artificial limbs, hearing aids of any kind, or items being carried on a vehicle roof rack
• loss, theft or damage to valuables, which at the time of such loss, theft or damage were located in checked-in luggage or an unattended motor vehicle
• any claim for baggage delay if you cannot supply receipts for the essential items purchased and written confirmation from the carrier as to the length of delay.
• Loss, theft or damage arising from:

  a) Mechanical or electrical breakdown

  b) moth or vermin

  c) processes or cleaning, restoring or repairing

The underwriter will not pay for the following in addition to the general exclusions in connection with claims made under section E:

• the excess as shown in the Schedule of benefits
• any loss or theft of money if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
• any claim, if the loss or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
• any loss, if you have not taken reasonable steps to prevent a loss happening
• loss or theft of money that is:
  • not on your person; or
  • not deposited in a safe, safety deposit box or similar locked fixed container in your trip accommodation
• loss or theft of travellers cheques, if the issuer provides a replacement service
• depreciation in value,currency changes, caused by any error or omission loss or damage arising from delay, seizure, confiscation or detention by Customs or other officials.

The underwriter will pay you the amount shown in the Schedule of benefits, if your planned:

• First outward flight, rail, coach or sea trip on your scheduled departure, or
• Final outward flight, rail, coach or sea trip on your scheduled return is delayed for 12 hours or more.

The underwriter will not pay the following in addition to the general exclusions in connection with claims made under section F1 & F2:

• the excess as shown in the Schedule of benefits
• any compensation if you have not got written confirmation from the airline, railway or shipping company or their handling agents, which shows the reason for the delay or cancellation of your holiday, the scheduled departure time and the actual departure time of your flight, rail journey or sailing, if applicable.
• any delay which is due to strike or industrial action which had started or was announced before you took out this policy.
• compensation under both the ‘'travel delay' and ‘'holiday abandonment' sections of this policy.
• any claims arising directly or indirectly from the delay of travel arrangements in any way caused or contributed to by or on the order of any government, public or local authority including but not limited to any civil or federal aviation authority.
• your failure to check-in according to the itinerary supplied to you.

The underwriter will pay you, up to the amount shown in the Schedule of benefits, for reasonable additional accommodation and travel expenses, if you arrive at:

• your last departure point from the UK or Republic of Ireland, or the country in which you are temporarily residing, or
• the last departure point for your return trip to the UK or Republic of Ireland, or the country in which you are temporarily residing, too late to board your booked flight, train or sailing, as a result of the following:

  a) Scheduled public transport services failing to get you to your destination in time due to strike, industrial action, adverse weather conditions or mechanical breakdown, or

  b) The private motor vehicle in which you are travelling suffering from mechanical breakdown or failure, or

  c) The private motor vehicle in which you are travelling being directly involved in a road traffic accident, which resulted in mechanical breakdown or failure.

The underwriter will not pay for the following in addition to the general exclusions in connection with claims made under section G:

• the excess as shown in the Schedule of benefits
• any upgrade in accommodation
• any claim arising as a result of you not having taken reasonable steps to complete the journey to the departure point on time
• any claim relating to internal flights
• any claim, if the adverse weather, strike or industrial action was in existence or publicly declared before you started your journey to the departure point
• any claim in respect of mechanical breakdown or failure, if your private motor vehicle, has not been properly serviced and maintained
• any repair costs to your private motor vehicle
• any claims for vehicle breakdown or failure, which are not substantiated by a written report from a rescue service or garage
• any claim arising from missed connecting flights.

The underwriter will not pay for the following in addition to the general exclusions on page 6 in connection with claims made under Section H:

• Any compensation in respect of travel arrangements, if you have not got written confirmation from Ryanair or its authorised agent, which shows the reason for the delay, the scheduled departure time, the expected duration of the delay of your flight or full details of any refund given in respect of an unused flight
• Any compensation if you have chosen to use the flight ticket, relating to the first or final outward flight that has been cancelled, at a later date for a totally separate trip
• Any delay which is due to strike or industrial action which had started or was announced before you took out this policy
• Any compensation for a flight cancellation, which is not due to a delay of in excess of four hours
• Compensation under both the 'Travel Delay', 'Travel Disruption' and 'Holiday Abandonment' sections of this policy
• Your failure to check-in according to the itinerary supplied to you

Any compensation which is payable under this section of cover, will take into account any refund you have received from Ryanair or its authorised agent in respect of any unused flight.

The underwriter will pay you or your estate a lump sum, as shown in the Schedule of benefits, if you suffer bodily injury as a result of an accident during your trip which causes:

• your death, or
• permanent loss of one or more limbs by physical separation at or above the wrist or ankle, or
• permanent loss of all sight in one or both eyes, or
• permanent total disablement from carrying out your usual occupation.

The underwriter will not pay for the following in addition to the general exclusions in connection with claims made under section J:

• any benefit where your death, injury or loss does not occur within 180 days of the accident
• any benefit if you cannot prove to the underwriter that the permanent total disablement has continued for 12 months from the date of the injury and in all probability will continue for the remainder of your life
• more than one lump sum under this section.

The underwriter will pay for your legal liability inclusive of all associated legal fees and costs, in total up to the amount shown in the the Schedule of Benefits, for any event which relates to an incident caused by you during the trip or one way trip, which results in:

• injury, illness or disease to another person
• loss or damage to property which does not belong to you,  any member of your family or anyone in your service and is not in the custody, control or care of you, any member of your family or anyone in your service.

The underwriter will not pay for the following in addition to the general exclusions in connection with claims made under section K :

• the excess as shown in the Schedule of benefits
• claims arising directly or indirectly from, happening through or in consequence of:
  • contractual liability, employers liability, or liability to a member of your family, anyone in your service, your travelling companion's family or to your travelling companion; or
  • animals belonging to you, or in your care, custody or control; or
  • wilful, malicious or unlawful acts, criminal acts or assault; or
  • the ownership, possession or use of firearms or weapons of any kind; or
  • the pursuit of trade, business or profession; or
  • ownership, possession, use or occupation of land or buildings (other than occupation only of any temporary residence); or
  • the influence of intoxicating liquor or drugs; or
  • claims arising directly or indirectly from, happening through or in consequence of ownership, possession or use of any any motorised or mechanical vehicle (including attached trailers or caravans), automobile, aircraft, watercraft or vessel, or any mechanically propelled conveyance; or
  • claims for legal fees and costs resulting from any criminal proceedings.

The underwriter will not pay for the following in addition to the general exclusions in connection with claims made under section L:

• the excess as shown in the Schedule of benefits
• any costs or expenses which have been incurred without prior approval of the underwriter
• any claim where the underwriter considers your prospect of success in achieving a reasonable benefit to be insufficient
• any claim emerging from the pursuance to a contingent fee agreement between you and your counsel
• any claim for travel and accommodation expenses which you have incurred whilst pursuing legal action
• any claim arising from you pursuing legal proceedings as part of and (or) on behalf of a group or organisation
• any claim for legal costs where you are pursuing a legal action against Ryanair, the underwriter, Primary Travel Insurance Services, or any other Primary Group Company, Inter Group Assistance Services or Inter Group Claims Services
• any claim against any member of your family or travelling companion.
• any claim for legal costs where you are pursuing legal action relating directly or indirectly to medical negligence or alleged medical negligence

The underwriter will not pay for the following in addition to the general exclusions in connection with claims made under section M:

• the excess as shown in the Schedule of benefits
• claims for ski equipment which is owned by you, if it is over five years old
• more than your liability for the loss or damage to any hired ski equipment
• any claim for loss or theft of ski equipment, if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
• any claim, if the loss or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
• more than £50, or equivalent in Euros, per single item, up to a maximum of £200, or equivalent in Euros, in total for any one claim, if you are unable to provide the original receipt, proof of purchase or an insurance valuation which was obtained prior to the loss.
• claims arising from delay, detention, seizure or confiscation by Customs or other officials
• claims for loss, theft or damage to anything being shipped as freight or under a Bill of Lading
• damage to, or loss or theft of ski equipment, if it has been left:
  • unattended in a place to which the public have access; or
  • left in an unattended motor vehicle; or
  • in the custody of a person who does not have an official responsibility for the safekeeping of the property.

If your own ski equipment is:

• lost , stolen or damaged
• misdirected or delayed in transit for more than 12 hours.

the underwriter will pay for the cost of hiring you the necessary ski equipment for each 24 hour period you are without your own ski equipment , up to the amount shown in the Schedule of benefits.

The underwriter will not pay for the following in addition to the general exclusions in connecrtion with cliams made under section N.

• any claim for loss or theft of your own ski equipment if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
• any claim, if the loss or theft of your own ski equipment occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
• claims arising from your own ski equipment being delayed, detained, seized or confiscated by Customs or other officials
• claims for loss or theft of, or damage to your own ski equipment, whilst being shipped as freight or under a Bill of Lading
• damage to, or loss or theft of your ski equipment, if it has been left:

  a) unattended in a place to which the public have access; or

  b) in an unattended motor vehicle; or

  c) in the custody of a person who does not have an official responsibility for the safekeeping of the property.

If you are unable to use your ski pass, tuition or ski hire due to:

• being involved in an accident; or
• your sickness; or
• the loss or theft of your ski pass

The underwriter will not pay for the following in addition to the general exclusions in connection with claims made under section O:

• any claim, if the loss or theft of your ski pass is not notified to the police within 24 hours of its discovery and you have obtained a written report, which includes the crime reference number.
• any claim, if the loss or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
• loss or theft of your ski pass, if it was left:
  • unattended in a place to which the public have access; or
  • in an unattended motor vehicle; or
  • in the custody of a person who does not have an official responsibility for the safekeeping of the property
• claims arising directly or indirectly as a result of your pre-existing medical condition.
• claims arising from a medeical condition which is not substantiated by a report from the treating doctor, confirming your inability to ski
• claims for loss of enjoyment, however caused

The underwriter will not pay for the following in addition to the general exclusions in connection with claims made under section P.

• any benefit, if you are not skiing in a pre-booked wintersports resort which is 1,000m above sea level.
• any benefit , if you are unable to provide a report from the resort management substantiating your claim.
• any benefit , if an alternate resort is available
• any benefit if the piste closure was in existence prior to your arrival in your pre-booked wintersports resort.
• claims for loss of enjoyment however caused.

The underwriter will not pay for the following in addition to the general exclusions in connection with claims made under section Q.

• the excess as shown in the Schedule of benefits
• any claim, if you are unable to provide a report from the resort management substantiating your claim
• compensation under sections F1, F2 and G.

1. which are claims in any way caused or contributed to by:

i )the failure of; or

ii) the fear of the failure of; or

iii) the inability of

any equipment or any computer programme to recognise, interpret correctly or process any date as its true calendar date or to continue to function correctly beyond that date (except claims under sections, B, C and J)

2. which are directly or indirectly caused by, occasioned by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the claim.

• act of terrorism; or
• nuclear detonation, reaction, nuclear radiation or contamination, howsoever such nuclear detonation, reaction, nuclear radiation or radioactive contamination may have been caused; or
• war, invasion or warlike operations (whether war be declared or not), hostile acts of sovereign or government entities, civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power or martial law or confiscation by order of any government or public authority; or
• seizure or illegal occupation; or
• confiscation, requisition, detention, legal or illegal occupation, embargo, quarantine, or any result of any order of public or government authority which deprives you of the use or value of your property, nor for loss or damage arising from acts of contraband or illegal transportation or illegal trade; or
• discharge of pollutants or contaminants, which pollutants and contaminants shall include but not limited to any solid, liquid, gaseous or thermal irritant, contaminant or toxic or hazardous substance or any substance the presence, existence or release of which endangers or threatens to endanger the health, safety or welfare of persons or the environment; or
• chemical or biological release or exposure of any kind; or
• attacks by electronic means including computer hacking or the introduction of any form of computer virus; or
• threat or hoax, in the absence of physical damage due to an act of terrorism; or
• any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism

4. from loss or destruction of, or damage to any property whatsoever, or any loss or expense whatsoever resulting in or arising therefrom, or any consequential loss or any legal liability of whatsoever nature, directly or indirectly caused by or contributed to, or arising from:

• ionising radiation or contamination by radioactivity from any nuclear fuel, or from any nuclear waste from burning of nuclear fuel, or
• the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof

8.which, but for the existence of this policy, would be covered under any other

• insurance policy (policies), including any amounts recovered by you from private health insurance; or
• E111 payments; or
• any reciprocal health agreements; or
• airlines; or
• hotels; or
• home contents insurers; or
• any other recovery by you, which is the basis of a claim

10. from your death, injury or illness as a result of participating in:

• any hazardous activity including but not limited to, racing (other than on foot), mountaineering with the use of ropes, pot holing, caving, hang gliding, micro lighting, parachuting, bungee jumping and motor racing.
• wintersports, if you have not paid the additional premium before your trip departure or have an annual multi trip policy and it is shown on your certificate
• any of the above, if you are receiving any personal financial reward or gain during the period of insurance, unless the underwriter has agreed to this and you have paid the appropriate additional premium

11. from:

• wilful, self inflicted injury or illness; or
• committing or attempting to commit suicide; or
• wilful exposure to danger, except in an attempt to save a human life; or
• solvent abuse; or
• being under the influence of alcohol or drugs, except those prescribed by a registered Doctor and not those drugs prescribed for drug addiction; or
• a failure to obtain any recommended vaccines, inoculations or medications prior to your trip departure; or
• sexually transmitted diseases; or
• Acquired Immune Deficiency syndrome (AIDS); or
• HIV or diseases connected to AIDS

2) You must be a resident of the UK or Republic of Ireland at the time of taking out this policy and intend to return to either the:

• UK or Republic of Ireland, or
• Country in which you are temporarily residing

within the trip duration, unless you have arranged a oneway trip.

3) The underwriter will not consider any claim where you:

• have failed to disclose a material fact; or
• have a pre-existing medical condition; or
• are travelling against medical advice.

It is the intention to give you the best possible service but if you do have any questions or concerns about this Insurance or the handling of a claim you should in the first instance contact the Complaint’s Officer.  The contact details are:

Complaint’s Officer
Ryanair Travel Insurance
1 Prince of Wales Road
Norwich
NR1 1AW
Tel: 0870 744 4199
Fax: 0870 774 4045
Email: sroe@tpsltd.com

In the event you remain dissatisfied and wish to make a complaint, you can do so by contacting the following:

The Head of Claims
UK Underwriting Ltd
2 Gibraltar House
Bowcliffe Road
Leeds
LS10 1HB

If it is not possible to reach an agreement, you may have the right to make an appeal to the Financial Ombudsman Service. This also applies if you are insured in a business capacity but have a group annual turnover of less than £1 million, or are a charity with an annual income of less than £1 million, or are a trustee of a trust with a new asset value of less than £1 million. You may contact the Financial Ombudsman Service at:

Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
Docklands
London
E14 9SR

Tel; 0845 080 1800

Axa Insurance UK plc are covered by the Financial Services Compensation Scheme (FSCS).  You  may be entitled to compensation from the scheme, if they cannot meet their obligations.  This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 100% of the first £2,000 and 90% of the remainder of the claim.  You can get more information about the compensation scheme arrangements from the FSCS or visit www.fscs.org.uk.

Primary Insurance Company Limited is authorised and regulated by the Irish Financial Services Regulatory Authority (“IFSRA”).  In the event that the company cannot meet its insurance obligations you may be entitled to compensation from the Irish Insurance Compensation Fund.  Further information about the compensation scheme arrangements is available from the IFSRA by writing to PO Box 9138, College Green, Dublin 2, Republic of Ireland or by telephone or fax (Tel: 00 353 1 4104000 or Fax: 00 353 1 4104900), or by email (consumerinfo@ifsra.ie).