POLICY SUMMARY

This is a summary of your policy and does not contain the full terms and conditions
of your cover. This can be found in your policy documents. You are advised
to read the policy documents carefully to make sure you understand the cover
it provides at the time of purchase.



Name of the Insurer: AXA Insurance UK plc.


Type of Insurance: The Insurance provides cover for a range of travel insurance
benefits for a range of different policies.


SIGNIFICANT FEATURES

• Payment for loss of deposits for travel and accommodation due
  to cancellation, or for cutting your holiday short.


• Payment for irrecoverable sums if the scheduled airline becomes insolvent
  before or after departure.


• Payment for the cost of emergency repatriation
  to the U.K (or Eire.)


• Payment for the cost of emergency medical, surgical,
  hospital or dental treatment.


• Payment of transporting your remains to the
  U.K or Eire following your death.


• Payment of a lump sum following an accident
  resulting in death, loss of limbs, loss of sight or permanent total disablement.


• Payment of reasonable additional costs for travel and accommodation if
  you miss your departure.


• Personal liability costs in the event you accidentally
  injure a third party and/or accidental damage their property.


• Legal costs
  incurred by you in pursuit of legal proceedings against third parties.


• Compensation
  for lost, damaged or stolen baggage. (not effected in Discovery Light policies)


• Compensation for loss of personal monies. (not effected in Discovery Light
  policies)

Winter Sports

The following cover is also applicable when the appropriate / additional premium
has been paid for the issue of single-trip winter sports cover or added to
an annual multi-trip policy.

• Medical expenses relating to accidental injury through winter
  sports activities covered under the policy.


• Compensation for loss or damage to owned or hired ski equipment.


• Costs for necessary hire of ski equipment due to loss or breakage
  of your ski equipment.


• Value of any unused ski pack (ski pass,
  ski hire or tuition fee) due to sickness, accident, loss or theft of ski
  equipment.


• Compensation for piste closure due to lack of snow or adverse
  weather conditions.


• Additional travel and accommodation expenses due to
  travel delay caused by avalanche closure.

Business Cover

The following cover is also applicable when the appropriate additional premium
has been paid for the issue of a Business Annual Multi-trip policy.

• Compensation for the value of lost, stolen or damaged computer
  equipment, communication devices and other business related equipment carried
  by you.


• Emergency courier of essential business baggage as a result of loss,
  theft or damage.


• The cost of business equipment hire following loss
  or breakage, or misdirection / delay during transit.


• The loss of cash
  or travellers cheques which is the property of you or your employer.


• The
  cost for necessary employee replacement due to bodily injury or illness.

Golf Cover

The following cover is also applicable when the additional premium has been
paid.

• Compensation for lost, stolen or damaged golf equipment.


• Cost of necessary
  hire of golf equipment following misdirection or delay in transit.


• Cost
  of pre-paid green fees due to closure of green due to adverse weather.

SIGNIFICANT EXCLUSIONS


Medical conditions:

If at the time of taking out the insurance or booking a trip you or any person
upon whose health your travel plans depend:

• is on a hospital waiting list.


• is pregnant, where on single trip policies birth is expected within
  14 weeks of the expiry of the policy, or where on multi trip polices birth
  is expected within 14 weeks of the return date of the trip.


• is travelling
  against the advice of a medical practitioner, or for the purpose of receiving
  medical treatment.


• has received a terminal prognosis.
  
  
  
  … this insurance will exclude any claims arising directly or indirectly
  as a result of that condition.

The policy excludes* claims relating to any of the following medical conditions
where these have been previously suffered, diagnosed or treated for:

• A malignant disease.


• A lung or heart-related condition. (other than well controlled asthma)


• Hypertension.


• Anxiety, depression, or a psychiatric disorder.


• Medical conditions which
  in the last 12 months have required hospital inpatient treatment, referral
  to a specialist or requires ongoing treatment.
  
  
  
  * Unless declared and accepted at time of application

The policy excludes claims relating to any medical condition which has been
suffered within the last 12 months and has required either: On-going medical
treatment; referral to a specialist; or hospital inpatient treatment.

For full details please see Medical Expenses (section B) of the policy wording.



SIGNIFICANT EXCLUSIONS (continued)

Personal Effects and Baggage:

• Compensation for loss or damage to personal effects, baggage
  and valuables are subject to maximum limits, and single item limit.


• There is no cover for property left unattended in a place to which
  the general public has access.
  
  
  
  For full details please see personal effects and baggage (section D) of the
  policy wording

Personal Money

• Compensation for loss or theft to personal money is subject to
  maximum limits.


• No cover for loss or theft of personal money left in checked-in luggage
  or an unattended motor vehicle.
  
  
  
  For full details please see personal money (section E) of the policy wording

Sports and Hazardous Activities

We have included a comprehensive range of activities which are covered on a
casual or incidental basis as standard, and an additional list of activities
which are covered on a non-incidental or regular basis with reduced cover
and subject to increased medical excess. Read these carefully as we exclude
cover for activities not listed. (Page 5)Personal Liability

There is no cover for Personal Liability arising directly or indirectly associated
with use of any vehicle, automobile, aircraft, watercraft, or any mechanically
propelled conveyance.

For full details please see personal liability (section J) of the policy wording.



SIGNIFICANT LIMITATIONS

• The Assistance Services must be contacted as soon as possible
  in the event of you being admitted to hospital, curtailing for medical reasons,
  you dying or incurring medical expenses,


• You must exercise reasonable care to prevent illness, injury or loss
  or damage to your property, as if uninsured.


• Claims may be subject to an excess. This is the amount you have to
  pay.


• Any loss of baggage or personal money must be reported to the police
  within 24 hours and a police report obtained.


• To be eligible for this policy, you must have lived in the U.K /
  Eire for the previous six months.

DURATION OF COVER


Single Trips: Section A1 - Cancellation Cover is effective from the time and
date of issue of the insurance policy and ends at the start of the insured
trip. For all other sections, cover starts when you leave your home or business
(whichever is later) to start the trip and ends whichever occurs first of the
following: (a) The expiry date of the insurance; (b) Your return home at the
end of the trip; (c) Your return home prior to the end of the planned trip.
(On trips of more than 4 months duration, one return home is permitted during




Annual Multi-Trips: Section A1 – Cancellation Cover for each trip is
effective either from the commencement date of the insurance or the time and
date at which each trip is booked (whichever is later) and ends at the start
of the insured trip. For all other sections, cover starts when you leave your
home or business (whichever is later) to start each trip and ends whichever
occurs first of the following: (a) The expiry date of the insurance; (b) Your
return home at the end of the trip; (c) Your return home prior to the end of
the planned trip; (d) Your period of travel exceeds the specified trip duration.



CANCELLATION RIGHTS



We hope you are happy with the cover this policy provides however you have
the right to cancel it within 14 days of issue provided that a claim does not
exist, and travel has not commenced.

See page 2 'Cooling off period'



MAKING A CLAIM



If you have a claim, please telephone Travellers Protection Services on Tel:
+44 (0) 8707 744 199 within 28 days of the event.



EMERGENCY ASSISTANCE


Whilst in the USA, Canada, Caribbean or Mexico: GLOBAL EXCEL should be contacted
before proceeding with any medical treatment. Global Excel will direct You
to the nearest medical provider and may guarantee costs on Your behalf.

From the USA and Canada: Global Excel Management Incorporated – Phone
Toll Free 1-800-709-3422

From the Caribbean or Mexico: Global Excel Management Incorporated – Phone
+1-819-566-1513

When travelling anywhere else in the world: Contact: Global Response - Phone:
+44 (0)870 787 6605; Fax:: +44 (0)870 787 6609


COMPLAINTS


We hope that you will be pleased with the service we provide, however, if
for any reason you are unhappy with this, please

write to The Managing Director, Travel Insurance Agencies Limited, Rowan House,
Seymour House, 30 - 34 Muspole Street, Norwich, Norfolk, NR3 1DJ Tel: +44 (0)1603 464 123. If you
are still not satisfied please write to Our Claims Manager, U K Underwriting
Ltd, 2 Gibraltar House, Bowcliffe Road, Leeds, LS10 1RJ. If you are still not
happy with the response you have received, you have the right to ask the Financial
Ombudsman Service to review your case.


FINANCIAL SERVICES COMPENSATION SCHEME


AXA Insurance UK plc are covered by the Financial Services Compensation Scheme
(FCSC). 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 compensation




The subscribing insurers' obligations under contracts of insurance to which
they subscribe are several and not joint and are limited solely to the extent
of their individual subscriptions. The subscribing insurers are not responsible
for the subscription of any co-subscribing insurer who for any reason does
not satisfy all or part of its obligations.