RAPHA CYCLING CLUB MASTER GROUP POLICY WORDING
This Policy is a contract between The Master Policyholder (named in the Insurance Schedule) and Antares Syndicate 1274 at Lloyd’s (hereafter referred to as Us, Our, We).
Provided the premium specified in the Insurance Schedule has been paid in the required manner, We will provide the insurance specified in this Policy (which includes any attached Endorsements) and Insurance Schedule during the Period of Insurance.
Antares Managing Agency Limited is the managing agent for Antares Syndicate 1274 at Lloyd’s. Antares Managing Agency Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Registration Number 06646629). Registered address is 21 Lime Street London EC3M 7HB.
This document, the Master Insurance Schedule and any Endorsements attached form the Master Policy. This document sets out the conditions of the insurance between The Master Policyholder and Us. The Master Policyholder should read this Policy carefully and if the coverage or benefits provided do not meet The Master Policyholder’s requirements or The Master Policyholder does not comply with the conditions set out in this section, they should return these documents within the Cooling-Off Period to the Insurance Intermediary who arranged this Policy on your behalf.
It is important that:
- The Master Policyholder checks that the Sections of Cover that have been requested are included in the Insurance Schedule
- The Master Policyholder checks that the information that has been supplied is accurate – please see the “Information That You Provide to Us” further below
- The Master Policyholder notifies their Insurance Intermediary as soon as practicable of any inaccuracies in the information that The Master Policyholder has provided to Us
- The Master Policyholder and Insured Persons comply with their duties under each Section of Cover for which the Insured Persons are insured, and under the terms and conditions of this Policy as a whole
INFORMATION THAT YOU PROVIDE TO US
We are relying upon the information The Master Policyholder provides to Us, either directly or through their Insurance Intermediary, in deciding whether to provide The Master Policyholder with this Policy and on what terms and at what premium.
If The Master Policyholder becomes aware that any information The Master Policyholder has given Us is not complete or accurate or The Master Policyholder fails to notify their Insurance Intermediary that the information The Master Policyholder has provided Us is inaccurate or incomplete, and We establish that The Master Policyholder deliberately or recklessly provided Us with false or misleading information, then We may treat this Policy as if it never existed and decline all claims.
If We establish that The Master Policyholder carelessly provided Us with false or misleading information, then the cover and benefits under this Policy could be affected and We might, for example:
- Treat this Policy as if never existed and return the premium paid; or
- Cancel the Policy and refuse to pay any claim; or
- Revise the premium; or
- Charge an additional premium or not pay a claim in full.
We will write to The Master Policyholder via their Insurance Intermediary if We are going to treat this Policy as if it never existed or need to amend the terms of The Master Policyholder’s Policy.
Who We are:
We are the Lloyd’s Underwriter(s) identified in the contract of insurance and/or in the certificate of insurance and/or in the Insurance Schedule.
We collect and use relevant information about The Master Policyholder to provide The Master Policyholder with insurance cover or the insurance cover that benefits The Master Policyholder and Insured Persons to meet Our legal obligations.
This information includes details such as The Master Policyholder and Insured Persons’ name, address and contact details and any other information that We collect about The Master Policyholder and Insured Persons in connection with the insurance cover from which The Master Policyholder and Insured Persons benefit. This information may include more sensitive details such as information about the Insured Persons’ health and any criminal convictions they or The Master Policyholder may have.
In certain circumstances, We may need The Master Policyholder and Insured Persons’ consent to process certain categories of information about The Master Policyholder and Insured Persons (including sensitive details such as information about the Insured Person’s health and any criminal convictions The Master Policyholder or Insured Persons may have). Where We need The Master Policyholder and Insured Persons’ consent, We will ask The Master Policyholder and Insured Persons for it separately. The Master Policyholder and Insured Persons do not have to give their consent and The Master Policyholder and Insured Persons may withdraw their consent at any time. However, if The Master Policyholder and Insured Persons do not give their consent, or The Master Policyholder and Insured Persons withdraw their consent, this may affect Our ability to provide the insurance cover from which The Master Policyholder and Insured Persons benefit and may prevent Us from providing cover for The Master Policyholder and Insured Persons or handling any claims.
The way insurance works means that The Master Policyholder and Insured Persons’ information may be shared with and used by a number of third parties in the insurance sector for example, insurers, agents or brokers, reinsurers, loss adjusters, sub-contractors, regulators, law enforcement agencies, fraud and crime prevention and detection agencies and compulsory insurance databases. We will only disclose Your personal information in connection with the insurance cover that We provide and to the extent required or permitted by law. We will never sell any personal information The Master Policyholder and Insured Persons provide us.
Other people’s details the Master Policyholder provide to us:
Where The Master Policyholder and Insured Persons provide Us or Your agent or broker with details about other people, The Master Policyholder and Insured Persons must provide this notice to them.
Want more details?
For more information about how We use The Master Policyholder and Insured Persons personal information please see Our full privacy notice(s), which is available online on Our website or in other formats on request. Website: www.antaresunderwriting.com
The Master Policyholder and Insured Persons have rights in relation to the information We hold about The Master Policyholder and Insured Persons, including the right to access their information. If The Master Policyholder and Insured Persons wish to exercise their rights, discuss how We use The Master Policyholder and Insured Persons’ information or request a copy of Our full privacy notice(s), please contact Us at:
Antares Managing Agency Ltd
21 Lime Street
Telephone: +44 (0) 20 7959 1900
To be covered under the insurance in this Policy, Insured Persons must be a fully paid up member of the Rapha Cycling Club.
Your Rights to Cancel this Policy before the Cooling Off Period:
If this Policy does not meet The Master Policyholders requirements and they wish to cancel this insurance, The Master Policyholder must notify their Insurance Intermediary who arranged this Policy for The Master Policyholder within the Cooling-Off Period, which is fourteen (14) days from the commencement of the Period of Insurance specified in the Insurance Schedule or within fourteen (14) days from receipt of the Policy documents from The Master Policyholders Insurance Intermediary, whichever time period is later.
If The Master Policyholder or an Insured Person has not made a claim during this Cooling-Off Period, We will refund the premium The Master Policyholder has paid to Us in full to The Master Policyholder via their Insurance Intermediary. The Master Policyholder should contact the Insurance Intermediary to obtain this refund. Their address and telephone number will appear on their correspondence to The Master Policyholder.
Your Rights to Cancel this Policy after the Cooling Off Period:
If The Master Policyholder wishes to cancel this Policy after the Cooling Off Period has expired The Master Policyholder may do so provided The Master Policyholder gives Us 30 days written notice.
This Policy has been arranged on a 100% Minimum & Deposit Basis which means that regardless of whether a claim has been made or not no return premium shall be due.
Our Rights to Cancel This Policy:
We may cancel this Policy by giving sixty (60) days written notice to The Master Policyholder at their last known address and to their Insurance Intermediary. We will only do this for a valid reason, for example:
- Failure to pay the premium; or
- Non-cooperation or failure to supply information or documentation upon request; or
- A change in risk occurring such that We are no longer able to provide The Master Policyholder with insurance cover.
If this Policy is cancelled by Us then, provided The Master Policyholder have not made a claim, We will refund the premium The Master Policyholder have paid to Us to The Master Policyholder via Your Insurance Intermediary less the amount of premium which relates to the time period under which The Master Policyholder have been covered under this Policy.
DISPUTES AND COMPLAINTS
We are dedicated to providing The Master Policyholder and Insured Persons with a first class service and Our wish is to ensure that all aspects of this insurance are dealt with promptly, fairly and efficiently at all times. If The Master Policyholder or Insured Persons feel that We have not offered a first class service or The Master Policyholder or Insured Persons have any questions or concerns about this Policy or the handling of Your claim, please contact Us and We will do Our best to resolve the problem. Our contact details are:
Antares Managing Agency Ltd
21 Lime Street
Telephone: +44 (0) 20 7959 1900
If The Master Policyholders concerns relate to any other aspect of the Policy please contact the Insurance Intermediary who sold The Master Policyholder this Policy.
If at any time The Master Policyholder or Insured Persons feel that Your complaint has not been resolved, they may refer the matter to the Complaints Department at Lloyd’s. Their address is:
Walter Burke Way
Tel: +44 (0)20 7327 5693
Fax: +44 (0)20 7327 5225
We always seek to improve our service and we therefore welcome feedback and suggestions for improvement. Should You wish to raise any comments regarding the Lloyd’s complaints process You may raise those with the Lloyd’s Head of Market Conduct at HeadofConduct@lloyds.com . However, we would ask that You do not use this email to notify Lloyd’s of individual complaints, but please instead use the contact details above.
Details of Lloyd’s complaints procedures including timescales are set out in a leaflet “Your Complaint – How We Can Help” available from the above address or on the website www.lloyds.com.
If The Master Policyholder or Insured Persons remain dissatisfied after Lloyd’s has considered their complaint, The Master Policyholder or Insured Persons may refer their complaint to the Financial Ombudsman Service (FOS).
The contact details for the Financial Ombudsman Services is:
The Financial Ombudsman Service
Telephone: 0800 023 4567 (free from “fixed lines” in the UK)
Telephone: 0300 123 9123 (calls to this number are charged at the same rate as 01 and 02 numbers on mobile phone tariffs in the UK).
Fax: 020 7964 1001
The FOS is an independent service in the UK for settling disputes between consumers and businesses providing financial services.
Following the complaints procedure with the FOS does not affect Your rights to take legal action. Further details will be provided at the appropriate stage of the complaints process.
Financial Services Compensation Scheme:
We are covered by the Financial Services Compensation Scheme. The Master Policyholder or Insured Persons may be entitled to compensation from the Scheme if We are unable to meet Our obligations under this Policy. If The Master Policyholder or Insured Persons are entitled to compensation under the Scheme, the level and extent of the compensation will depend on the nature of this Policy.
Further information about the scheme is available from the Financial Services Compensation Scheme at the following address or website: www.fscs.org.uk
Financial Services Compensation Scheme
15 St Botolph Street
London EC3A 7QU
Telephone: 020 7892 7300 Website: www.fscs.org.uk
Claims Procedures – How to Make a Claim
The Master Policyholder or Insured Person should notify their claim as soon as practicable but no later than fourteen (14) days after an Injury to Our Claims Administrator, at the following address:
CEGA Personal Accident Claims Department,
PO BOX 127,
Telephone: +44 (0) 1243 218435
A claim form will be available to download from the Rapha website.
If The Master Policyholder or Insured Persons or any other person acting on their behalf submits any claim under this Policy through concealment, misstatement or deliberative provision of false information, We shall be under no liability to make payment in respect of such claim and The Master Policyholder or Insured Persons must pay back any benefit that We have already paid that was subject to the concealment, misstatement or deliberate provision of false information. If this happens We will cancel this Policy and not refund any premium to The Master Policyholder.
PERSONAL ACCIDENT GENERAL DEFINITIONS
Certain words in this Policy have a specific meaning. They have this specific meaning wherever they appear in this Policy or Insurance Schedule and are shown in bold print. Words in the singular shall include the plural and vice versa.
A sudden, unexpected, unusual, specific event which occurs at an identifiable time and place during the Period of Insurance.
An identifiable violent, external, visible physical Injury to an Insured Person from external means which:
- Is caused by an Accident during the Operative Time, or
- Solely as a result of an Insured Person’s unavoidable exposure to severe weather conditions during the Operative Time; and
- Solely and independently of any other cause, except illness directly resulting from or medical or surgical treatment required by the Injury, results in death or Permanent Total Disablement within twelve (12) months from the date of the Accident.
The broker who arranged and concluded this contract of insurance for The Master Policyholder.
The document showing details of the cover The Master Policyholder has purchased.
Insured Persons /You/Your:
The Master Policyholders’ members who are covered by this scheme
Any suitably qualified medical practitioner registered by the General Medical Council in the United Kingdom (or foreign equivalent); or in respect of dental treatment only, a dental practitioner who is registered with the British Dental Association (or foreign equivalent); other than:
- The Master Policyholder or an Insured Person; or.
- The Master Policyholder or an Insured Person’s immediate family; or
- The Master Policyholder or an Insured Person’s employee;
- Any person with whom The Master Policyholder or an Insured Person have a contract for services.
The period during which the Insured Persons are covered by the terms and conditions of this Policy:
Whilst Cycling on a non motorised bicycle, cover starts from the time the Insured Person leaves their home unitl they return to their home .
Period of Insurance:
The period shown in the Insurance Schedule.
The emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement, or death, amongst people or animals.
The insured person’s permanent place of residence. Cover is extended to any temporary residence within the insured person’s country of domicile such as a holiday cottage/home, guesthouse, hotel or like for a maximum period of 120 days at any one time during the period of insurance.
An act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist Activity can include, but not be limited to, the actual use of force or violence and/or the threat of such use. Furthermore, the perpetrators of a Terrorist Activity can either be acting alone, or on behalf of, or in connection with any organisation(s) or government(s).
England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands.
Utilisation of Biological Weapons of Mass Destruction:
The emission, discharge, dispersal, release or escape of any pathogenic (disease producing) micro-organism(s) and/or biologically produced toxin(s) (including genetically modified organisms and chemically synthesised toxins) which are capable of causing incapacitating disablement or death amongst people or animals.
Utilisation of Chemical Weapons of Mass Destruction:
The emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing incapacitating disablement or death amongst people or animals.
Utilisation of Nuclear Weapons of Mass Destruction:
The use of any explosive nuclear weapon or device or the emission, discharge, dispersal, release or escape of fissile material emitting a level of radioactivity capable of causing incapacitating disablement or death amongst people or animals.
Any activity arising out of or attempt to participate in the use of military force between nations and will include:
- Hostilities or warlike operations (whether war be declared or not).
- Invasion, civil war, rebellion, insurrection, revolution.
- Act of an enemy foreign to The Master Policyholder or an Insured Persons nationality or the country in, or over, which the act occurs.
- Civil commotion assuming the proportions of, or amounting to, an uprising.
- Overthrow of the legally constituted government.
- Military or usurped power.
- Explosions of war weapons.
- Terrorist Activity.
- Utilisation of Nuclear, Chemical or Biological Weapons of Mass Destruction however these may be distributed or combined.
- Murder or Assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to The Master Policyholder or an Insured Persons nationality whether war be declared with that state or not.
Antares Managing Agency Limited, as managing agent for Antares Syndicate 1274 at Lloyd’s.
The Master Policyholder:
As stated in the Insurance Schedule.
What is Covered:
If the Insured Person suffers an accident, vandalism, or an irreparable breakdown to their pedal cycle during the Operative Time in their country of domicile and it occurs more than ten miles from the Insured Persons Residence, we will pay up to £100 for the cost of a taxi, train or the most appropriate transport to transport the Insured Person and their pedal cycle (if appropriate) to:
- The nearest suitable cycle repair shop or
- The nearest appropriate railway station or
- The nearest car rental agency or
- The nearest overnight accommodation or
- The Insured Persons’ permanent place of residence, if closer.
What We Do Not Cover:
- Any costs other than the taxi, train or most appropriate fare to transport the Insured Person and their pedal cycle to their onward destination.
- Any claim where photographic evidence of the broken pedal cycle has not been provided.
- Any incident within ten miles, by public highway from the Insured Person’s Residence.
- Any incident where the pedal cycle is being used for a use not specified in the design and manufacturers specifications, or arising directly out of the unreasonable use of the pedal cycle on unsuitable terrain.
- The cost of parts, components, lubricants or materials, food, drinks, telephone calls, or other incidental expenses.
- Damage to tyres by road punctures capable of being repaired by cycle emergency kit available to the Insured Person at the time of the incident.
- More than one claim in any one period of insurance.
- Claims totalling more than £100 in any one period of insurance.
- Whilst the pedal cycle is being used outside of the Insured Persons country of domicile.
FRACTURES & DISLOCATIONS
What Is Covered:
If an Insured Person sustains an Injury during the Operative Time which results in Fractures and dislocations, we will pay the Insured Person the amount appropriate to the benefit shown below.
Fractures and dislocations: cover up to £2,000, limited to:
A fracture of
|a) hip or pelvis||£300|
|b) leg (excluding kneecap)||£300|
|c) collar-bone, arm||£300|
|d) skull (including cheekbone and jaw)||£300|
|f) bone(s) in foot or hand (excluding toes and fingers)||£300|
|g) toe(s) or finger(s)||£300|
A dislocation of:
|a) spine or hip||£2,000|
|b) knee, ankle, wrist, elbow, collarbone (excluding toes and fingers)||£100|
|c) any other dislocation requiring general anaesthetic or traction||£100|
What We Do Not Cover:
We will not pay any claim directly or indirectly caused by or contributed to by:
Osteoporosis where this condition has been diagnosed and made known to the Insured Person prior to the Fracture.
FACIAL SCARRING BENEFIT
What is Covered?:
If an Insured Person sustains an Injury during the Operative Time which results in Facial Scarring, we will pay the Insured Person the amount appropriate to the benefit shown below:
Permanent Facial Scarring
|1. The scar length is 10cm or longer||£1,000|
|2. The scar length is between 3cm and 9cm||£500|
OPTICAL INJURY BENEFIT
What is Covered?
If an Insured Person sustains an optical Injury during the Operative Time which requires the Insured Person to be admitted as an in-patient to Hospital We will pay up to a maximum of £25 for an eye test if this is required, and in addition up to £150 towards the cost of purchasing, replacing or repairing spectacles or contact lenses;
- for accidental damage to spectacles; or
- if contact lenses need to be replaced due to damage; or
- the Insured Person within thirty (30) days of the Injury is prescribed spectacles or contact lenses due to eye damage.
What is Covered?
If the Insured Person sustains an Injury within the Operative Time during the Period of Insurance, We will pay the Insured Person the costs and expenses up to £750 of Physiotherapy Fees that are reasonably and necessarily incurred within twelve (12) months from the date of the Accident for all Injuries arising from the same Accident.
Conditions Specific to This Section:
- Prior to Our paying any claim, The Insured Person shall provide Us with written proof from their Medical Practitioner stating their Injury and justifying the requirement for Physiotherapy Fees to be incurred privately rather than utilising care provided by the United Kingdom’s or local country National Health Service.
What we Do Not Cover:
We will not pay:
The Excess as stated in the Table of Benefits.
Any treatment received beyond 12 months of the Injury
What is covered?
If the Insured Person sustains an Injury within the Operative Time during the Period of Insurance, We will pay The Insured Person the costs and expenses of Dental Fees up to £750 that are reasonably and necessarily incurred for immediate relief of pain and repair of the Insured Persons natural teeth arising from the same Accident.
Conditions Specific to This Section:
- Prior to Our paying any claim, The Insured Person shall provide Us with written proof from their Dental Practitioner stating the Injury and justifying the requirement for Dental Fees to be incurred privately rather than utilising care provided by the United Kingdom’s or local country National Health Service.
What we Do Not Cover:
We will not pay:
- The Excess as stated in the Table of Benefits; or
- The cost of any repairs to or replacement of dentures, dental appliances, crowns or precious metals.
GADGET DEVICE COVER
What is covered?
One claim per policy period up to a maximum of £500 (inclusive of the excess). Excess of £50. We will cover The Insured Persons device, up to the Cover Limit, for the lesser of the repair or Replacement Cost of your Device where it is damaged as the result of an Accident and your bicycle is damaged and/or the Insured Person needs medical treatment.
- Accident is defined as a sudden, unforeseen and unintended event.
- Device is defined as a mobile phone, GPS cycle computer or GPS sports watch.
- Replacement Cost is defined as the lesser of the current recommended retail price (RRP); or the market price that the Device was last advertised, if it is no longer available to purchase as new.
- In the event of a claim the Insured Person must provide us with a copy of your proof of purchase of the Device.
What we Do Not Cover:
Cover is Excluded where the Insured Persons:
- Device is stolen or lost;
- Device is damaged caused by water, liquid or moisture;
- Damage does not prevent the Device from being used;
- Damage is only cosmetic (including scratches and dents to the Device and/or screen cover or case);
- Loss or damage is covered under warranty;
- At the time of the Accident the Device is older than 36 months from the date of purchase, when purchased new;
- The Insured Person is unable to provide proof of purchase and confirmatory identification of the Device’s serial number or other manufacturer’s identifier;
- Any loss as a result of not being able to use the Device;
- The Insured Person is unable to satisfy us that the damage to your Device was caused as a result of an Accident; o The Insured Person cannot provide us with the location details of your accident
These are the conditions of the insurance coverage under this Policy that The Master Policyholder and Insured Persons need to meet as part of this contract. If The Master Policyholder or Insured Person do not meet these conditions, We may reject any claim or a claim payment could be reduced. In some circumstances, the Policy may not be valid.
The Insured Person must be over the age of (18) years and under the age of seventy (75) years at the time the Period of Insurance commences.
The Insured Person must exercise reasonable care to prevent an Accident or Injury or loss or damage to themselves or others.
Applicable Law and Jurisdiction:
We and The Master Policyholder irrevocably agree that this Policy shall be governed by and construed in accordance with the law of England and Wales and that the Courts of England and Wales shall have exclusive jurisdiction in respect of any dispute which may arise out of or in connection with this Policy or any claim.
Contracts (Rights of Third Parties) Act 1999:
A person who is not a party to this Policy has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this insurance contract but this does not affect any right or remedy of a third party which exists or is available apart from this Act.
Claims Co-operation and Access to Records:
The Insured Person shall co-operate with Us in the review of a claim and provide Us and Our designated representatives with all information, documentation and medical information We may require as may be necessary for the purpose of reviewing the claim and The Insured Person shall provide upon Our request all authorisations necessary to obtain medical records that We may require as may be necessary for the purpose of reviewing the claim.
Right to Medical Examination:
We have the right to have The Insured Person examined by a physician or vocational expert of Our choice and at Our expense as often as may be necessary for the purpose of reviewing the claim.
No sum payable under this Policy shall carry interest.
Limitation of Liability:
In no case shall Our liability in respect of any claim by an The Insured Person exceed the largest sum insured stated in the Schedule of Benefits to be read in conjunction with Your Insurance Schedule.
PREMIUM ADJUSTMENT CONDITION
The Premium under this Policy has been calculated based upon the estimated number of members that The Master Policyholder has provided to Us at inception of this Policy. The Master Policyholder shall keep an accurate record of all members throughout the Period of Insurance and allow Us to inspect such records at any reasonable time and shall each month declare to Us the actual number of members for the Policy period. If the total number of members exceeds the initial estimates provided to Us at inception of this Policy the Premium will be adjusted with any Additional Premium calculated on the net difference, adjusted to number of months remaining until expiry. The Master Policyholder shall be liable to pay any additional Premium due no later than 60 days after each quarter and at expiry of the Policy period.
Sanctions, Export and Exchange Control Clause:
We shall not be deemed to provide cover and shall not be liable to pay any Claim or provide any benefit hereunder to the extent that the provision of the cover, payment of the Claim or provision of the benefit would expose Us to any sanction, prohibition or restriction under United Nations, resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America and Australia.
We will not pay under Section A any claim directly or indirectly caused or contributed to by:
- Any claim unless the Insured Persons are active members of Rapha Racing Club when the Injury occurred; or
- Any pre-existing condition where The Insured Person has sustained any Injury within 12 months prior to the commencement of the Period of Insurance cover for Accident or any disability or condition for which The Insured Person has received or required medical or psychiatric treatment or counselling in the twenty-four (24) months prior to the commencement of the Period of Insurance; or
- Any claim for a fracture where osteoporosis has been diagnosed and made known to The Insured Person prior to the date of the Injury; or
- Your exposure to Human Immunodeficiency Virus (HIV) and/or Acquired Immune Deficiency Syndrome (AIDS) and/or any HIV or AIDS related illness; or
- Your being under the influence of, or being affected by any drug (unless this drug has been prescribed by a Medical Practitioner but not for the treatment of drug addiction); or
- Your drinking too much alcohol, or any form of alcohol abuse, where it is foreseeable that this consumption could result in a serious impairment of Your faculties and/or judgement resulting in a claim; or
- The use, release or escape of nuclear materials that directly or indirectly results in nuclear reaction or Radiation or radioactive contamination; or
- The release, dispersal or application of pathogenic or poisonous biological or chemical materials; or
- Your flying, except as a passenger in an aircraft licensed to carry passengers; or
- The Insured Person driving a mechanically propelled vehicle in any kind of race; or
- The Insured Person mountaineering or rock climbing normally requiring the use of ropes or guides; or
- Your participating in any sport or activity as a professional, deriving income of more than four thousand pounds Sterling (GBP4,000) or equivalent currency per annum for Your participation in that sport or activity; or
- Fracture of any bones other than the Skull, Cheekbone, Jaw, Collar Bone, Shoulder Blade, Sternum, Arm, Ribs, Vertebra, Pelvis, Wrist, Hand, Upper Leg, Knee, Lower Leg, Ankle or Foot; or
- Any claim for Accident in which The Insured Person was under 18 years of age, or over 75 years of age at the time the Period of Insurance commenced; or
- Participation in any activity in or travel to Afghanistan, Central African Republic, Chechnya, Democratic Republic of Congo, Iran, Iraq, Israel (West Bank & Gaza Strip only), Libya, Nigeria, North Korea, Somalia, South Sudan, Sudan, Syria and Yemen or any country or with any persons in breach of the Sanctions, Export and Exchange Control clause or where the Foreign & Commonwealth Office advise against all or all but essential travel on or before the date of Your travel to on www.gov.uk/foreign-travel-advice; or
- Driving motorised vehicles for which The Insured Person does not hold a full United Kingdom (or foreign equivalent) driving licence in circumstances requiring that this licence be held; or
- Your attempting to commit or committing intentional self-injury or suicide; or
- Any criminal or illegal act by The Insured Person; or
- Your deliberate exposure to exceptional danger (other than in an attempt to save human life); or
- Your operational duties as a member of the Armed Forces of any country other than administrative duties or
- Loss or damage or expense of whatsoever nature, resulting from, or in connection with, or any action taken in controlling, preventing, or suppressing War regardless of any other cause or event contributing concurrently or in any other sequence to the loss or expense; or
- Loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or arising from or any consequential loss or any legal liability of whatsoever nature or arising from:
22.1 Ionising Radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; or 22.2 The radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof; or
- Pregnancy within two (2) months of the estimated date of delivery, or childbirth; or
- Medical operations or treatments not medically necessary to treat Your Injury, including cosmetic or beauty treatments; or
- Your exposure to any sexually transmitted disease.
- Osteoarthritis, arthritis or any other degenerative process of the joints, bones, tendons, ligaments or muscles.