Travel Insurance

Exclusions - what's not covered by Norwich Union Travel insurance

We've told you what we include in our travel insurance policy, but we want you to have the confidence to know that there's no 'small print' and that we'll pay out when it comes to the crunch. Below are some examples of what is excluded under this policy. For full details, please consult the policy wording.

This policy does not cover the following:

1. Any consequence whatsoever which is the direct or indirect result of any of the following, or anything connected with any of the following, whether or not such consequence has been contributed to by any other cause or event:
• a. war, invasion, act of foreign enemy, hostilities or a warlike operation or operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.
• b. any action taken in controlling, preventing, suppressing or in any way relating to a) above.
2. Claims directly or indirectly caused by
• a. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel;
• b. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear part of an assembly; or
• c. pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
3. Death, injury, illness or disability resulting from suicide or attempted suicide, exposure to danger which can reasonably be predicted (unless you are trying to save human life), sexually transmitted diseases or you being under the influence or effect of alcohol or drugs (other than drugs taken under medical supervision and not for treating drug addiction).
4. Any loss that is not specifically described in the stated terms and conditions, e.g. we will not pay for loss of earnings if you are unable to return to work due to injury or illness during your trip.
5. Any claim arising, directly or indirectly, from the failure, or fear of failure, of equipment or computer program to recognise or correctly interpret or process any date as the true or correct date, or to continue to work correctly after that date. This exclusion does not apply to the Emergency Medical and Associated Expenses, Hospital Benefit or Personal Accident sections.
6. We do not cover any payment, which you would normally have made during your travels and/or which does not fall within the events insured under the terms of this Travel Insurance policy.

Unless you can prove that the incident was not caused by that event. You'll find our full terms and conditions of cover in the policy booklet. View our travel insurance policy booklet online now.

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