You should read the document carefully when you receive it. It gives you full details of what is and is not covered and the conditions of the cover.

Conditions and exclusions will apply to individual sections of your policy, but please also refer to the general exclusions, conditions and warranties which will apply to the whole of your policy.

Your Policy contains certain restrictions regarding pre-existing medical conditions and concerns the health of the people travelling and of other people upon whose health the trip may depend.

If you are to take part in dangerous sports or pastimes, check that your policy covers you.

These are based on the value of the goods at the time you lose them and not on a “new for old” or replacement cost basis.

Most sections of your policy have limits on the amount the Insurers will pay under that section. Some sections also include other specific limits, for example, daily limits or valuables limits.

Under certain sections of the policy, claims will be subject to an excess. This means that you will be responsible for paying the first part of the claim.

You need to take all reasonable care to protect yourself and your property.

The use of mobile phones should be restricted to emergencies.

Your insurance policy will contain a complaints procedure which tells you what steps you can take if you wish to make a complaint.