BOOKING TERMS AND CONDITIONS "We/us"       means Magaluf Uncovered "the Event"           means any holiday, accommodation, activity or function organised or advertised by us "You"                     means the person who has signed the booking form and includes all the people on whose behalf you have signed "Supplier"            means the company or person that is holding or providing the event or any part of it "Price"                  means the total cost of the event 1 Terms and Conditions These terms and conditions govern the contract between you and Us to the exclusion of all other terms and conditions, save for those implied by law, and no variation to these terms and conditions shall be valid unless in writing and signed by you and the company director. 2 Formation of Contract No contract shall arise between you and Us until we have received the deposit payable and we have sent to you written confirmation of our acceptance of your booking. 3. Lead Name The lead name on any booking with Us accepts the full responsibility of collecting the full balance payable for the booking and indemnifies Magaluf Uncovered against any loss from individual failing to pay within your group. The lead name of the group is also responsible for ensuring that all group members are aware they are bound by our Terms and Conditions.  The lead name is also responsible for the completion of a Group Booking Form on behalf of all persons on the booking and returning this to us. It is understood that those booking via email or telephone agree to, and accept our Terms and Conditions without having signed a Group Booking Form.   4. Payment & Deposits Deposits are payable at the time of booking and the balance of payments are split into the following phases: An agreed non-refundable non-transferable deposit is payable at time of booking. A second non-refundable non-transferable deposit of 25% of the total price is due thirty-five days (five weeks) after receipt of initial deposit. The final balance is to be paid no less than forty-two days (six weeks) before the date upon which your event is due to start. If you do not make your deposit payments by the due dates given then you shall be deemed to have cancelled the event. Deposits are used by Us to enter into the contractual arrangements on your behalf and are non refundable. Payments can be made with a valid Credit Card or Debit Card. Payments can also be made by post in the form of Cheque made payable to Magaluf Uncovered where upon receipt we will endeavour to place the booking for you at the same price, although this cannot be guaranteed. We will however notify you should there be an increase in price. If a promised cheque is not received or does not clear upon presentation we hold the right to cancel the reservation. Non-clearing or returned unpaid cheques will incur a £25.00 transaction charge. All Credit & Debit cards are subject to a 4% surcharge to the total cost of each transaction.   5. Cancellation by Us We may cancel the event or any part of it: for safety reasons if we or our supplier(s) regard adverse weather conditions or other safety concerns as unacceptable and which cannot reasonably be overcome; If we reasonably believe that you may cause harm or damage to our reputation or to the reputation of our suppliers or to property belonging to our suppliers; If supplier or suppliers is or are unable to host the event for any reason; If changes you wish to make to the booking mean it is uneconomical or impractical to hold the event. If we cancel the whole of the event we shall use our best endeavours to rearrange the event on a mutually convenient date, or provide a refund to you of the cost to us of the event. Save as above we shall be under no further liability to you for cancellation of the event or any part of it. 6. Cancellation by You You may cancel your booking within a period of 7 days after the initial deposit. This excludes all bookings where either the secondary deposits or final payments are for bookings travelling within a forty-two day period from the date of the initial deposit being taken. After this point the following applies; you may cancel the event as a whole and must pay us a cancellation fee. If you cancel the booking we will not refund any deposits paid to us. The cancellation of your booking must be made in writing and from the lead name of the group. The amount of the cancellation fee is calculated according to the date on which we receive written notice of your wish to cancel; if you cancel with Us more than 5 weeks in advance of the travel date, then the cancellation fee is 25% of the total cost of the booking. If you cancel with Us within 5 weeks of the travel date, then the cancellation fee is 100% of the total cost of the booking.   7 Failure to Provide an Event If, due to reasons beyond our control, an event is unable to take place due to (but without limitation); closure of premises, the ceases of trading, a change in  supplier management, we will provide you and your group with an alternative event and if this is does not prove possible, a refund to you of the cost to us of the event.   8 Accommodation If your booking includes accommodation, the named accommodation will remain confidential to Magaluf Uncovered and only be disclosed to you upon receipt of the 25% per person deposit. The room types we use for your booking can be of single, twin, triple, quad, or dormitory style with shared or ensuite bathroom facilities. The location of the accommodation we book is deemed centrally located at our discretion. If you are unhappy with the location of the accommodation, we shall endeavour to move your booking to a more suitable accommodation and you will be liable for any cancellation fees that apply to this move along with any increase in price for the new accommodation and a £25.00 administration charge.   9 Meals Breakfast is not included with accommodation bookings unless otherwise stated. The type of breakfast you will receive will be as stated on your itinerary that is despatched to you once final balance has been made. Restaurant meals may require a pre-order to be completed by the lead name of the group. This should be completed and returned to us, or the venue as required. If a pre-order has not been completed, we accept no liability for meals not provided or delays in providing the meals for you. We will endeavour to meet any specialist dietary requests for any member of your group, but can not guarantee these requests. We accept no liability if our suppliers are unable to meet these requests in advance, or once at the venue.   10 Alterations + Surcharges Applied By Us If due to circumstances beyond our control it becomes necessary to substitute alternative accommodation, of which may be a higher or lower standard, or make any other alterations to the event we shall inform you of the changes as soon as possible. You must pay any additional cost due to such changes. If the changes are, in the view of Magaluf Uncovered, so substantial as to materially alter the event and you are unwilling to accept them then you may cancel the event and we will give a refund of the cost of the event to us.. Surcharges may be applicable where an event requires a minimum number of participants to proceed, and the group does not meet this minimum number. This could lead to the cancellation of the event of which we are not held responsible and alternatives may be offered of an equal or greater value. If this value is greater, then you must pay Us the difference in price. If the final number of a group is an odd number, then a single supplement surcharge will apply if the booking includes accommodation or an event which is number dependant. 11 Alterations made by You We shall try to accommodate any reasonable changes you wish to make to the event. Alterations and amendment requests should be made with Us and not end suppliers and should be made by in writing to us. These changes shall not be deemed accepted until we have confirmed in writing to you. If you wish to increase or decrease the number of persons participating in the event you may do this up to six weeks prior to the date upon which your event is due to start. Amendments after that date will incur our administration charge of £50.00 per person. Changes such as arrival / departure dates and destination changes will also be subject to our administration charges. We cannot guarantee that the change to the price will be pro-rata, but will depend upon the arrangements we are able to make with our suppliers. Subject to our written agreement you may transfer your booking to a person who satisfies all the conditions applicable to the event. 12 Your Obligations You shall at all times behave in a safe, responsible and courteous manner; comply with all instructions; regulations and codes of practice issued by Us or our suppliers; ensure that you comply with all age restrictions imposed by our suppliers; ensure that you comply with all arrival times, and dress appropriately for the event. If you breach these obligations we may cancel or curtail the event or any part of it and in those circumstances you shall not be entitled to any refund. You shall take out insurance suitable for your needs (including delays for events involving travel by land, sea, or air before the event. 13 Our Obligations We shall take reasonable care and skill in arranging the event and comply with all applicable laws in relation to the event; where ever possible, re-schedule the event instead of cancelling or offer a refund to you of the cost to us of the event. All of the photographs and illustrations we use on our website and in literature we send you are for marketing purposes and may not entirely represent the actual products received.   14 Customer Feedback If you have a problem whilst on your booking then you must contact the appropriate person(s) at the earliest opportunity, for example hotel / restaurant manager. Unless there is a valid reason why you did not report your problem to the appropriate person(s), we will not consider ourselves liable for those complaints. If they are unable to resolve matters to your satisfaction then you must write to us within 7 days of the conclusion of the event. No complaint will be accepted outside of this 7 day time frame thus deeming you fully satisfied with all aspects of the event and the services we have provided to you. We will acknowledge any correspondence within 28 days and endeavour to deal with the complaint as quickly as possible. Any refunds we deem appropriate will be in the form of a voucher towards a future group booking placed with us. No monetary refunds will be given.   15 Contracts (Rights of Third Parties) Act 1999 Nothing in this agreement shall confer on any third party any benefit or right to enforce any terms of this agreement. 16 Free Place promotion Where offered one FREE place shall be allocated to both Hen & Stag parties as long as each booking meets the minimum required numbers stated on individual booking paying the full per person package price.   17 Jurisdiction This agreement shall be construed in accordance with the laws of England and Wales and the courts of England and Wales shall have exclusive jurisdiction to deal with any disputes arising between you and Us or our suppliers.   18 Magaluf Uncovered Price Matching Promise Our price matching promise is based on all parts of a booking matching the exact parts of a weekend quoted by a competitor including star rating of accommodation, activity options, menus available, time of travel date, and numbers in group.   19 Changes to these Terms and Conditions We may need to make changes to these Terms and Conditions. Any changes can only be made by Us and not any third party member. We reserve the right to amend or improve these Terms and Conditions without prior notification. When it is necessary for changes to be made, we will forward you a copy of these changes and all reservations will abide by the amended terms, with the exception of reservations already made.   20 Insurance Insurance will be added to the final balance to be paid unless you specify that this is not required (prior to payment of the second non-refundable deposit).   Policy Ref: TIL/2006/00042 The insurance and services detailed in this Policy Wording are insured by Templeton Insurance Ltd and arranged by Gold Cover Insurance Services Ltd for Magaluf Uncovered Ltd trading as Magaluf Uncovered. This is to certify that Templeton Insurance Ltd will insure in accordance with the terms and conditions contained herein or endorsed hereon. The Policy Wording sets out in full details of the cover provided and is only valid if issued in conjunction with a valid Insurance Schedule (also referred to as a schedule herein) showing the premium, geographical area, period of cover and persons insured. Templeton Insurance Ltd is incorporated on the Isle of Man and authorised and regulated by the Isle of Man Government Insurance and Pensions Authority. Gold Cover Insurance Services Ltd is authorised and regulated by the Financial Services Authority.   This is Your insurance policy and contains all the information You need to know about Your Travel Insurance. However, this policy is only valid once an Insurance Schedule showing proof of payment of premium is attached. Please read this policy carefully and remember this travel insurance is designed to cover events which may happen during Your trip, but We cannot cover all expenses and possibilities. You will find full details of the cover and the conditions and exclusions in the policy. Before You leave on Your trip, please read this policy carefully. If You have any queries, or if You require additional cover please contact the agent who sold this policy to You. If You need to make a claim please call the relevant numbers shown in this Policy wording.   For claims enquiries: Tel: 0870 366 9366   Cover is provided per person under the following headings;   Section A: Cancellation or Curtailment up to £500 Section B: Emergency Medical & Other Expenses up to £5,000,000 Section C: Travel Delay up to £100, £500 for cancellation compensation Section D: Personal Possessions up to £250 Section E: Passport, Tickets & Documents up to £250 Section F: Personal Liability up to £500,000    IMPORTANT NOTICE PRE-EXISTING MEDICAL CONDITIONS This insurance policy does not cover any claims arising from pre-existing medical conditions. This exclusion applies to all insured persons and to any person on whom Your travel arrangements may rely such as a Close Relative or travelling companion. Please see the exclusions applying to Sections A and B on page 4 of this policy. DEFINITIONS The following words or expressions carry the meaning shown below whenever they appear in bold print within the wording of the Policy:- We / Our / Us - Templeton Insurance Ltd. You / Your - Any person named on the Insurance Schedule who is eligible to be Insured and for whom premium has been paid. Period of Insurance - The Insurance Schedule will show the issue date and start date and duration (or end date) of Your policy being the period of cover You are insured for. The time that cover for particular sections starts and ends is given in more detail below: Cancellation cover starts when You book Your trip or when the policy was issued (whichever is the later) and finishes when You start Your Outward Journey. Cover under all other sections begins when You start Your Outward Journey and ends upon Your return home from the trip. Your Outward and Return Journey must take place during the period of cover shown on the Insurance Schedule and for which the correct premium has been paid. Curtail / Curtailment - Abandonment of the planned trip by return to the United Kingdom after commencement of the Outward Journey. The amount payable will be the unused proportion of Your irrecoverable pre-paid charges calculated from the date of Your return to the United Kingdom. All Curtailment claims will need authorisation from Us in advance. Close Relative - Mother, father, wife, husband, son, daughter, brother, sister, grandmother, grandfather, grandchild, parent-in-law or son or daughter-in-law or fiance(e). Close Business Associate -Your associate in the same employment as You whose absence from work necessitates You having to cancel Your trip as certified by Your Senior Director or partner. Excess - The amount You will have to pay towards the cost of each claim under the Policy after the application of the Policy limits. Unattended - means left away from Your person where You are unable to clearly see and get hold of Your Personal Possessions or Money or Passports, Tickets and Documents. Personal Possessions - Baggage, clothing, personal effects including Valuables and gifts purchased outside the United Kingdom, subject to the limits and Exclusions detailed under Section D. Valuables - Jewellery, articles made of gold silver or other precious metals, precious or semi-precious stones, watches, binoculars, telescopes, photographic equipment, electronic audio or video equipment including tapes, compact discs, cartridges, discs, MP3 or mini-disc players and any computer equipment including software, musical instruments, furs, or leather clothing, but excluding footwear. Sports Equipment - Those articles which are usually worn, carried or held in the course of participating in a recognised sport. Passports, Tickets And Documents - Passports, travel tickets, green cards and driving licences. Advanced Booking - Any booking made at least 24 hours prior to the scheduled departure time shown on Your ticket. Outward Journey - The initial journey by motor transport, train, aircraft or watercraft undertaken in conjunction with the trip in respect of the outbound journey from Your home address in the United Kingdom. Return Journey - The initial journey by motor transport, train, aircraft or watercraft undertaken in conjunction with the trip in respect of the Return Journey to Your home address or a hospital or nursing home in the United Kingdom. Accommodation - The lodging room of no greater standard than that provided as part of Your prepaid charges in the vicinity of the hospital where the Insured Person is confined. Hazardous Pursuits - Any pursuit or activity where it is recognised there is an increased risk of injury or accident or can be reasonably expected to aggravate any existing infirmity Manual Work - Physical labour involving the Use of tools or machinery or exposure to risk that could give rise to Your bodily injury or illness. Necessary Medical Expenses - Any medical treatment that is appropriate and consistent with the diagnosis made in accordance with accepted community standards of medical practice and as agreed by Our medical advisors and is not experimental or investigative and cannot be reasonably delayed until You are returned to the United Kingdom. Geographical Area - The area or country shown on Your Insurance Schedule and for which the appropriate premium has been paid and will involve Your return to the United Kingdom within the Period of Insurance. Strike Or Industrial Action - Organised action taken by a group of workers which prevents the supply of goods and services on which Your trip depends. Golfing Equipment - golf clubs, trolleys, bags and specialised clothing and umbrellas used exclusively for playing or practicing golf, but excluding balls, tees, gloves and buggies.   IMPORTANT INFORMATION AND CONDITIONS APPLYING TO ALL SECTIONS 1. LIMIT OF COVER Each section of this Policy Wording shows the most You can claim, but other limits may apply. For example, under section D (Personal Possessions), there is a limit for any single item and a total limit for all Valuables. We will work out how much We will pay You for baggage claims based on the value of the items at the time of the loss, not the cost of replacing them. 2. LOOKING AFTER YOUR BELONGINGS Many claims for loss or theft are caused by people being careless with their belongings. If You do not take good care of Your belongings, it can be upsetting and inconvenient for You and We may not pay Your claim. 3. HAZARDOUS PURSUITS You are not covered for taking part in any Hazardous Pursuit unless it is an activity that forms part of a Magaluf Uncovered 'Weekends' booking. 4. DATE RECOGNITION FAILURE This policy contains exclusions for losses arising from equipment failing to recognise the correct calendar date. Please read the general conditions for further details. 5. EXCESSES We will take an Excess off each claim You make under certain sections of this insurance. The amount You will have to pay towards a claim is shown in the schedule. The Excess is applied on a per person per section basis. If We agree to a medical expenses claim (section B) which has been reduced by Your Using an EHIC or private health insurance, the Excess will not apply. 6. MAKING A CLAIM To help Us deal with Your claim quickly and efficiently, please read the claims procedure below (see WHAT TO DO IF YOU WISH TO MAKE A CLAIM). This explains what documents You will need to support a claim and when You will need this kind of proof. You must collect some of the proof You need, for example a police report, while You are on Your trip. 7. WHAT TO DO IN A MEDICAL EMERGENCY In a medical emergency, contact the Assistance Company shown on page 3 under "What to do if You want to make a claim" for help. Please read the policy for details. If You are admitted to hospital or need to Curtail Your trip You must contact the Assistance Company for authorization before incurring any expenses or We may not pay Your claim. Simple outpatient treatment should be paid locally and claimed for on Your return to the United Kingdom.  IMPORTANT please quote the scheme name and policy number together with Your Insurance Schedule Number. The Assistance Company provides immediate help in the event of Your illness or injury arising outside the United Kingdom - they provide a 24 hour multi-lingual emergency service 365 days a year and can be contacted by telephone or fax. Should a serious medical problem arise You must contact the Assistance Company within 24 hours. You are responsible in advising Your attending doctor to seek prior approval for any treatment except in extreme circumstances where a request for prior approval would delay life saving treatment. Failure to contact the Assistance Company may limit the benefits payable, or in certain circumstances, cover will not be provided. When You call upon the services of the Assistance Company it is a condition of the service that they shall solely be responsible for all decisions on the most suitable and reasonable solution to any medical problem. The service includes, where necessary: 1. Multi-lingual assistance with hospitals and doctors 2. Repatriation arrangements and necessary escorts by a medical attendant 3. Travel arrangements for other members of Your party or next-of-kin. 4. On arrival in the United Kingdom, an ambulance service to hospital or home. Please note: We are not responsible for the availability, quality or results of any medical treatment received by You whilst travelling. Please refer to Exception 2 of Section B 8. INSURERS The Insurers are Templeton Insurance Limited, 18-20 North Quay, Douglas, Isle of Man IM1 1LE. 9. COOLING OFF PERIOD This Insurance is designed to cover most circumstances but You should be aware that not all eventualities are insured. Please read this document carefully. If You find the Insurance does not meet Your requirements please return this policy and proof of premium to the selling agent within 14 days of receipt but before the trip departure date. Provided no claim has been made Your premium will be refunded in full. 10. ABOUT THE COVER AND CONDITIONS This is Your contract of insurance. It contains certain conditions in each section and General Exclusions to all sections. You must meet the conditions or We will not accept Your claim. Please read all of this policy carefully, especially the Important Declaration. When You book Your trip, You must declare any information We ask for in the declaration. If You do not contact the selling agent or Us within 14 days of the date You receive this insurance policy We will assume that You accept the terms and conditions of this insurance policy and can make the declaration set out below. This policy is only valid if You also have a valid Insurance schedule showing all names of persons insured, their ages, the dates of cover and the correct premium has been paid. The policy describes the cover provided for You and the conditions which Your cover depends on. You must keep the policy, and valid Insurance Schedule, and send them to Us if You make a claim. In return for the correct premium, Insurers will pay You or Your personal representative if You make a valid claim. You must keep to the terms, conditions and declaration of this insurance. Single Trip Insurance this insurance is designed to cover round trips departing and finishing at Your Usual Home or business place in the United Kingdom. 11. RECIPROCAL HEALTH AGREEMENT EU COUNTRIES If You intend travelling to European Union countries, We strongly advise You to obtain from Your local Post Office a European Health Insurance Card (EHIC) application pack or apply online at www.dh.gov.uk/ travellers which when completed will entitle You to certain free health arrangements in EU Countries and Switzerland. In the event of a medical claim having been reduced by the Use of an EHIC, the Excess under Section B - Emergency Medical and Other Expenses will be reduced to Nil. 12. CLAIMS YOUR DUTIES a) You must advise Us of any occurrence that may give rise to a claim in writing as soon as is reasonably possible after the date of such occurrence and shall supply to Us all such accounts and other documents as We may reasonably require. Any expenses incurred because of an unreasonable delay in notifying Us will not be paid. b) You must give Us notice in writing immediately You or Your legal representatives have knowledge of any impending prosecution, inquest or fatal injury inquiry in connection with any occurrence of which there may be liability under Section F of this Policy. c) You must inform the Police of all loss or theft of property within 24 hours of discovery of such loss or theft and obtain a copy of the Police report in support of any claim. d) If Personal Possessions or Golfing or Ski Equipment are lost or damaged whilst in the custody of a Carrier (i.e. Airline, Railway, Shipping Company, Bus Company. etc), You must notify such Carrier immediately and obtain a copy of their report. e) You must at all times act in a reasonable manner to prevent or minimize a claim. 13. CLAIMS OUR RIGHTS a) No admission, offer, promise, payment or indemnity will be made or given by You or on Your behalf without Our written consent. b) We will be entitled to take over and conduct in Your name the defence or settlement of any claim or to prosecute in Your name to Our own benefit in respect of any claim for indemnity or damages or otherwise, and will have full discretion in the conduct of any proceedings or in the settlement of any claim and You must give all such information and assistance as We may require c) In case of illness or injury We may approach any doctor who may have treated You during the period of three years prior to the claim, and We may at Our own expense and upon reasonable notice to You or Your legal personal representative, arrange for You to be medically examined as often as required, or in the event of death have a post mortem examination of Your body. d) You must supply at Your own expense a Doctor's certificate in the form required by Us in support of any medical related claim. 14. FRAUD If any person makes any misrepresentation or concealment in obtaining this Policy or in support of any claim the insurance by this Policy will be void. 15. OTHER INSURANCES We will not be liable in respect of any claim where the event leading to the claim is insured by any other existing Policy or Policies, except in respect of any amount beyond that which is payable under such other Policy or Policies. 16. PRECEDENTS TO LIABILITY The due observance and fulfilment of the terms, provisions and conditions and endorsements of this policy in so far as they relate to anything to be done or complied with by You will be a condition precedent to Our liability to make any payment. 17. JURISDICTION Unless specifically agreed to the contrary this insurance shall be subject to English Law.   WHAT TO DO IF YOU WISH TO MAKE A CLAIM   You will find below details of the telephone number to contact in event of a claim. PLEASE NOTE FAILURE TO OBSERVE THE FOREGOING REQUIREMENTS WILL INVALIDATE ANY CLAIM. Please keep this Travel Insurance Policy in a safe place and carry it with You when You go on Your Trip. CANCELLATION OR CURTAILMENT  If You cancel Your trip for medical reasons obtain a claim form . Your own medical practitioner should complete the Certificate on the reverse of the claim form. If the trip is curtailed for medical reasons obtain a medical certificate from the treating Medical Practitioner in the locality where the incident occurred You must - Keep receipts or account for all expenses incurred. - In the event of Cancellation immediately notify the Agent/Operator where Your trip was booked and obtain a cancellation invoice. - Telephone the claims number shown below as soon as You know that there is a possibility of Your journey not taking place. - Obtain authorisation from the 24 Hour Medical Emergency Service or from Us before incurring any expenses in Curtailing Your holiday. MEDICAL AND OTHER EXPENSES PLEASE SEE WHAT TO DO IN THE EVENT OF A SERIOUS MEDICAL EMERGENCY FOR CASES INVOLVING MORE THAN SIMPLE OUT-PATIENT TREATMENT. - You must keep receipts or accounts for all expenses incurred. ● You should pay the hospital/clinic/doctor for routine or simple out patient treatment and claim back on Your return to the United Kingdom. If You think the level of treatment is excessive please consult the 24 Hour Medical Emergency Service for guidance. ● If You receive medical treatment abroad and the cost is too much for You to pay on the spot, please contact the Assistance Company. PERSONAL ACCIDENT - Obtain a medical certificate from the treating Medical Practitioner. - In the event of a death We will require a Death Certificate.

DELAY Obtain a letter from the Airline, Railway Company or Shipping Line, or their handling agent, confirming the reason for the delay and detailing the scheduled and actual departure times. PERSONAL POSSESSIONS & SPORTS EQUIPMENT ● For all loss or damage in transit claims report to the Airline, Railway or Shipping Line, or their handling agents and obtain a written report from them before leaving the baggage reclaim area. - For all damage claims obtain an estimate for repairs. ● In all circumstances, You must retain receipts or vouchers for items lost or damaged as these will help You to substantiate Your claim. - You must report all theft or losses to the Police within 24 hours of discovery and obtain a written Police report. Also report to Your Hotel/Apartment Manager whenever it is appropriate. PASSPORTS, TICKETS or DOCUMENTS - You must report all theft or losses to the Police within 24 hours of discovery and obtain a written Police report. Also report to Your Hotel/Apartment Manager whenever it is appropriate. - For a lost or destroyed Passport You need to supply Us with a letter from the Consulate where the loss was reported and retain all receipts that relate to the necessary costs in replacing the Passport. PERSONAL LIABILITY - You must supply full details of the circumstances giving rise to the claim plus any supporting evidence. ● You must give Us notice in writing immediately You or Your legal representatives have knowledge of any impending prosecution, inquest or fatal injury inquiry in connection with any occurrence or which there may be liability under Section F of this Policy. ALL OTHER SECTIONS You must notify Us within 30 days of the event giving rise to Your claim with full documentary support.   CLAIMS AND ASSISTANCE SERVICES HOW TO CONTACT US For 24-hour emergency assistance during Your trip please contact:   INTERNATIONAL MEDICAL RESCUE Telephone No. +44 (0) 8700 662 715 Fax No. +44 (0) 8700 662 716 Quote Your Policy and Schedule number   For all other claims please contact: CLAIMS SETTLEMENT AGENCIES LTD Telephone No. 0870 366 9366 Fax No. 01702 553 231   You must do this within 30 days of the event which gives rise to Your claim. GENERAL EXCLUSIONS APPLYING TO ALL SECTIONS We shall not be liable for: 1. Claims arising directly or indirectly from war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or Usurped power or acts of terrorism. 2. Consequential loss of any kind. 3. Damage to, or loss or destruction of any property or any loss or expense whatsoever arising indirectly caused by or contributed to, by or arising from : (a) ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. (b) the radioactive toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component of such assembly. 4. Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds. 5. Claims arising from flying or aerial activity of any kind (other than as a fare paying passenger in a fully licensed passenger carrying aircraft). 6. Claims arising directly or indirectly from Your wilful, malicious or unlawful acts or whilst under the influence of alcohol or drugs 7. Any claim arising directly or indirectly from the failure of any computer equipment, integrated circuits, computer chips or computer software to correctly recognise any date change. 8. Any claim arising directly or indirectly from any injury, illness, death, loss, expense or other liability attributable to HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or any mutual derivative or variations thereof However caused (unless declared to Us prior to effecting this insurance, please refer to the Medical Declaration. 9. Any Excess shown in this Policy Wording. SECTION A - CANCELLATION OR CURTAILMENT What is covered: We will indemnify You up to £500 for (a) unused charges associated with Your trip that are not refundable and which Were incurred before Your departure date if You have to cancel Your trip or (b) the extra cost of a one way airfare of a standard no greater than the class of journey on the Outward Journey or the applicable fee charged by the airline to change Your scheduled return date, and the unused non-refundable prepaid Accommodation costs and other land arrangements following Curtailment of Your trip as a result of any of the circumstances detailed below: 1. Your death, accidental bodily injury or illness, or that of a relative or a friend with whom You have arranged to travel or 3 stay, or of Your Close Relative or of a Close Business Associate. 2. You or any person with whom You have arranged to travel or stay being subject to compulsory quarantine or being summoned for Jury Service or as a witness in a Court of Law or for Military Service during the period of the trip. 3. Your redundancy (qualifying You to claim for payment under current Redundancy Payment Legislation) and that of any person with whom You intend to travel provided that such notice of redundancy is advised to Us within 14 days of its announcement 4. Your private dwelling becoming uninhabitable following fire, storm or flood, or Your presence being required by the Police following burglary at such private dwelling occurring at any time after We have accepted this Insurance. 5. Cancellation or interruption of scheduled public transport consequent upon Hijack occurring during the Period of Insurance 6. Reasonable additional travelling expenses incurred by You in returning to Your home address in the United Kingdom, where such return is urgently necessitated by the death, serious illness or severe injury of Your Close Relative or a Close Business Associate provided that such Close Relative or Close Business Associate is resident in the United Kingdom. IN THE EVENT THAT YOUR TRIP IS CURTAILED DUE TO YOUR ACCIDENT OR ILLNESS A DOCTOR AT THE RESORT OR THE NEAREST TOWN MUST CONFIRM THAT SUCH CURTAILMENT WAS MEDICALLY NECESSARY. ALL CURTAILMENT COSTS MUST BE AUTHORISED IN ADVANCE BY THE ASSISTANCE COMPANY DETAILED UNDER SECTION B OR BY US. SPECIFIC EXCLUSIONS APPLYING TO SECTION A - What is not covered: 1. any expense following Your disinclination to travel or to continue with Your trip or loss of enjoyment on Your trip. 2. any expense arising from circumstances which could reasonably have been anticipated at the time You booked Your trip (see also the Specific Exclusions applying to Sections A and B in the policy) 3. the first £25 of each and every claim per person. SECTION B - EMERGENCY MEDICAL & OTHER EXPENSES What is covered: If You sustain actual bodily injury or suffer illness outside the United Kingdom We will indemnify You up to £5,000,000 against the following expenses which You necessarily incur outside the United Kingdom: 1. Necessary Medical Expenses including hospital charges and in-patient treatment authorised by Us and ambulance charges for conveyance to hospital. Dental treatment up £250 is included only for the alleviation of sudden pain, and does not apply to the provision of dentures or artificial teeth and work involving the Use of precious materials 2. Reasonable additional travelling expenses in returning to Your home address in the United Kingdom and reasonable additional Accommodation expenses for You and one relative or friend required on medical advice and authorised by Us and Our Assistance Company to remain with or to travel with You. 3. The expense of a qualified medical attendant or other person authorised by Us required on medical advice to escort You home 4. The cost of returning Your body or ashes to Your home address in the United Kingdom. This cover includes the cost of a standard transportation container but does not include the cost of an ornamental casket or urn and must be authorized by the Assistance Company. Alternatively We will pay the cost of burial abroad in the country where death occurs up to a maximum limit of £2,000. United Kingdom trips only If You sustain actual bodily injury or suffer illness whilst on a trip within the United Kingdom We will indemnify You up to £1,000 against expenses You necessarily incur inside the United Kingdom for cover operative in so far as paragraph 2,3 and 4, (transportation of remains not burial) are concerned. SPECIAL PROVISO TO SECTION B In accepting the cover provided by Section B You have given Us or Our Assistance Company permission to approach Your United Kingdom General Practitioner for details of Your medical records in the event You require any form of in-patient treatment following a medical emergency whilst outside the United Kingdom. SPECIFIC EXCLUSIONS APPLYING TO SECTION B What is not covered: 1. expenses which You incur in Your normal country of residence (other than 2,3 or 4 above for United Kingdom trips only) 2. any surgery or MRIS, CT scans or invasive procedure including but not restricted to cardiac catheterization or organ transplants unless pre-approved by the 24 Hour Medical Assistance Company prior to it being performed. 3. any in-patient or additional travelling expenses not specifically authorised by Us or Our Assistance Company. 4. any expense which You incur more than twelve months after the occurrence of the injury or illness to which the claim refers 5. any expense which is not Usual, reasonable or customary for the medical services and/or supply 6. any expense for nonessential or ongoing treatment or where treatment can be reasonably delayed until You are returned to the United Kingdom or for the cost of a single bed ward unless authorised by the Assistance Company detailed below for medical reasons only or for the service of a chiropractor, chiropodist or osteopath or for non-medical costs. 7. the first £50 of each and every claim per person (see also the Specific Exclusions applying to Sections A and B detailed below). EXCLUSIONS APPLYING TO SECTION A and B What is not covered: Claims arising from: 1. All pre-existing medical conditions or if You awaiting or undergoing treatment or You are undergoing or awaiting any medical investigations or consultation with a specialist or awaiting diagnosis or test results or treatment (please refer to the Medical Declaration). 2. Travel arrangements made or undertaken: (i) against the advice of any Registered Medical Practitioner. (ii) for the purpose of obtaining medical treatment abroad. 3. Your intentional self-injury or suicide or attempted suicide or wilful exposure to needless risk (except in the attempt to save a human life). 4. the influence of intoxicating liquor or of a drug or drugs (unless prescribed by a Registered Medical Practitioner), or substance or solvent abuse or venereal disease. 5. emotional, psychological or psychiatric disorder, or whilst suffering from any condition of anxiety, stress or depression unless same results in admission to a hospital as an in-patient and is not a pre-existing condition (please refer to the Medical Declaration). 6. You engaging in any Hazardous Pursuits unless it is an activity that forms part of a Magaluf Uncovered 'Weekends' booking. 7. Claims arising from pregnancy where the period of the trip terminates less than 16 Weeks before the date of delivery as estimated by a Hospital or Registered Medical Practitioner. However where the insurance has been effected prior to confirmation of the pregnancy by such Hospital or Registered Medical practitioner and in the event of You effecting immediate cancellation of the trip upon receipt of such confirmation We will indemnify You under Section A. SECTION C - TRAVEL DELAY What is covered: 1. If as a direct result of the outbreak of Strike or Industrial Action or Weather conditions affecting scheduled public transport which has been the subject of Advanced Booking by You, or mechanical or electrical breakdown of motor transport or train or aircraft or watercraft which has been the subject of Advanced Booking by You occurring after the date of commencement of cover, the departure time of the Outward Journey or Return Journey takes place more than 12 hours after the departure time appearing on Your ticket, We will indemnify You as shown below: (i) Delay Compensation - An amount of £40 for the first 12 hours and £20 per 12 hours thereafter up to a maximum of £100. (ii) Cancellation Compensation - If You elect to cancel the Outward Journey after a delay exceeding 12 hours as described above We will indemnify You in respect of irrecoverable travel or accommodation deposits or charges paid or contracted to be paid under Section A up to £500. Provided that: 1. any payment We make in respect of (i) above for delays in the Outward Journey will be deducted from any subsequent payment made under 1 (ii). 2. in respect of 1 above You must check-in according to the itinerary provided by the Carrier, and obtain written confirmation of the delay from such Tour Operator or Carrier. 3. compensation as described in 1 (ii) above is only payable in respect of delays on the Outward Journey from the United Kingdom. 4. You must produce independent evidence in writing to support any claim SPECIFIC EXCLUSIONS APPLYING TO SECTION C. What is not covered:     1. circumstances which could reasonably have been anticipated at the date this insurance was effected.     2. withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country     3. For item 1 (ii) the first £25 of each and every claim. SECTION D - PERSONAL POSSESSIONS What is covered: We will indemnify You for up to £250 (?125 if under age 18) in all for items 1 and 2 below. Our maximum liability for a single item, pair or set is £75 (£25 if under 18) and for valuables £75 (£25 if under 18). 1. For loss of or theft of or damage to Personal Possessions belonging to You. A camera or camcorder with all accessories, a bracelet or necklace with any attachment and  any similar set or pair of items will be considered as one article.2. For loss of or theft of or damage to Sports Equipment belonging to You. Provided that:1. You take all reasonable precautions for the safety of the property insured.2. You must supply at Your own expense a Statutory Declaration regarding any claim arising under this section of the Policy if we so require. SPECIFIC EXCLUSIONS APPLYING TO SECTION D What is not covered: 1. loss or damage arising from Wear and tear or depreciation or deterioration or any process of cleaning or repairing or restoring or atmospheric or climatic conditions or moth or vermin or electrical or mechanical breakdown or derangement. 2. loss of or theft of or damage to contact or corneal lenses, prescription or sunglasses, dentures, hearing aids, mobile telephones, samples or merchandise or property Used in connection with Your business or trade, bonds, coupons, securities, stamps or documents of any kind, vehicles or accessories, antiques, pictures, Sports Equipment whilst in Use, boats and/or ancillary equipment including windsurfing equipment and sailboards, caravan awnings, glass, china or any other articles of a brittle or fragile nature. 3. loss of or damage to property shipped as freight or under a bill of lading. 4. the first £50 of each and every claim per person (see also the Specific Exclusions applying to Sections D and E detailed below). SECTION E - PASSPORT, TICKETS & DOCUMENTS What is covered: We will indemnify You up to £250 for (a) the reasonable costs in obtaining a replacement passport (or travel document) to enable You to return to the United Kingdom following the accidental loss or theft of Your Passport whilst outside the United Kingdom (b) the irrecoverable costs of travel tickets, green card, petrol coupons, driving licence or phone cards following accidental loss or theft. EXCLUSIONS APPLYING TO SECTIONS D & E What is not covered: 1. loss due to delay, detention, confiscation, requisition or damage by Customs or other Officials or Authorities 2. loss or theft unless a) You have reported the loss or theft to the nearest Police authority within 24 hours of discovery and b) You have obtained a written Police report. 3. loss of or theft of a) Valuables or Passports from an Unattended vehicle at any time. b) Other property insured from an Unattended motor vehicle unless the vehicle was securely closed and locked, and such property placed out of sight in the locked boot or in a locked compartment within the vehicle, but in any event excluding all property insured whilst left in an Unattended motor vehicle between 2000 hours and 0800 hours local time, other than motor homes or caravans which are being occupied by You as Your holiday accommodation. 4. theft of property left Unattended other than as provided above or whilst in Your securely locked accommodation. 5. loss of or theft of Valuables whilst in a suitcase or holdall or bag or similar receptacle outside Your immediate control. 6. the first £50 of each and every claim per person. SECTION F - PERSONAL LIABILITY What is covered: We will indemnify You against all sums up to £500,000 which You are legally liable in a personal capacity to pay in respect of accidents happening during the Period of Insurance resulting in: 1. Bodily injury, death or disease to any person not being a member of Your Family or household or in Your service. 2. Damage to property not (i) belonging to You or in the charge of or under the control of You or a member of Your Family or household or of a person in Your service N.B. For accidental damage to rented accommodation We will pay up to £100,000 for a single incident which You are legally responsible for. The indemnity provided by this Section extends to cover costs and expenses recoverable by any claimant, provided they Were incurred before the date (if any) on which We paid or offered to pay either the full amount of the claim or the total amount recoverable, in respect of any one occurrence and also to costs and expenses incurred by You with Our written consent. In the event of Your death Your personal representative will receive the benefit of the cover granted by this section. SPECIFIC EXCLUSIONS APPLYING TO SECTION F What is not covered: 1. Claims arising: (i) directly or indirectly out of the ownership, possession or Use(other than as a passenger having no right of control) of aircraft, model aircraft, caravans, trailers, motorised or electrically propelled water-borne craft, sailing vessels, windsurfers, mechanically or electrically propelled vehicles or conveyances or attached trailers and lifts. (ii) directly or indirectly out of the ownership, possession or Use of animals or firearms. (iii) from any Hazardous Pursuit. (iv) directly or indirectly out of or incidental to Your business or trade or profession. (v) out of actions between persons insured by Us. (vi) directly or indirectly out of Your ownership possession or control of any land or buildings. (vii) out of any liability assumed under a contract unless such liability would have attached in any event in the absence of such contract. (viii) directly or indirectly due to an infectious disease. 2. the first £250 of each and every claim per person.

CUSTOMER SERVICE In the event You have any queries or problems (excluding claims, see below) with this Insurance please contact: Gold Cover Insurance Services Ltd, 35 Queens Road, Tunbridge Wells, Kent, TN4 9LZ. Tel: 01892 615511. Please quote Your Policy and Insurance Schedule number to help Your enquiry be dealt with speedily. COMPLAINTS PROCEDURE We do everything possible to make sure that all Our customers receive the high standard of service that they would expect from Us. Should You experience a problem with this Insurance Policy or a claims process You should in the first instance write to: International Claims Management Complaints Officer, Claims Settlement Agencies Ltd, 308-314 London Road, Hadleigh, Benfleet, Essex SS7 2DD If You are not satisfied with the way a complaint has been dealt with please write to: The Managing Director All Seasons Underwriting Agencies Ltd 6-8 Fenchurch Buildings Fenchurch Street London EC3M 5HT If Your complaint is not resolved to Your satisfaction by All Seasons Underwriting Agencies Ltd then You should write to: The General Manager, Templeton Insurance Limited, 18-20 North Quay, Douglas, Isle of Man IM1 1LE Please always give details of the policy and complaint, together with the claims reference number. We will review Your case and reply to You in writing. Templeton Insurance Limited is incorporated on the Isle of Man and authorized and regulated by the Isle of Man Government Insurance and Pensions Authority. If You are not happy with the outcome of the stages detailed above, You may refer Your complaint to the Financial Services Ombudsman Scheme, Government Buildings, Lord Street, Douglas, Isle of Man, IM11LE Please note that the Ombudsman will not normally review Your case until such time Templeton Insurance Limited have made their final decision. Please give us the opportunity to handle Your complaint before referring things to the Ombudsman.