Our policy wordings are approved by Plain English to make sure they're easy to understand and avoid technical jargon. Even so, we've put together a list of words you may find on the website or in your policy booklet and explain them here just in case you need a little help to stay on track.

Annual policy

Churchill travel policy with a term (as shown in the policy schedule) of one year.

Bodily injury

Identifiable physical injury caused by a sudden, unexpected and specific event.

Business equipment

Equipment you use for your business, trade or profession, as long as this does not involve manual work of any kind.

Business travel

Cover for travel connected with your business, trade or profession is automatically included, as long as this does not involve manual work of any kind.

Close business associate

Someone you work with and whose absence from work at the same time as you would mean that you had to return from your trip. A senior director or partner would need to confirm that you are needed back at work.

Close relative

Wife, husband, partner, fiancé, fiancée, son, son-in-law, daughter, daughter-in-law, stepchild, foster child, mother, mother-in-law, father, father-in-law, step-parent, step-parent-in-law, sister, sister-in-law, brother, brother-in-law, stepbrother, stepsister, grandparent, grandchild, aunt, uncle, nephew, niece and cousin.

Eligibility

Customers permanently living in the UK and aged within our current underwriting criteria.

Endorsement

Any document stating that there has been a change to the cover provided by your policy.

Europe

Algeria, Albania, Andorra, Armenia, Austria, the Azores, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Finland, France, Georgia, Germany, Greece including Greek Islands and Crete, Hungary, Iceland, Republic of Ireland, Ireland, Israel, Italy, Kazakhstan, Latvia, Lebanon, Libya, Liechtenstein, Lithuania, Luxembourg, FYR Macedonia, Madeira, Malta, Moldova, Monaco, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia and Montenegro, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine, United Kingdom, Vatican City, the Balearic islands (Ibiza, Majorca, Minorca) and the Canary Islands (Tenerife, Fuerteventura, El Hierro, La Gomera, Gran Canaria, Lanzarote, La Palma).

Event

An incident or occurrence that causes a loss to one or more people insured by this policy under one or more sections of this policy. Under Section 7 – Personal liability only, ‘event’ means an incident that causes either physical injury or damage to, or damage to property belonging to, someone not insured under this policy. Please see ‘What’s not covered’ in section 7.

Excess

This is the amount you must pay towards any claim. Under certain sections of the policy, we will deduct only one excess from a claim caused by one event.

Excess waiver (removing the excess)

Annual policy only, if you have paid the extra premium, no policy excess will apply. Your schedule will confirm this.

Family travel and independent travel

This policy provides cover for all insured adult members of the family travelling with insured children. The policy also provides cover for insured children travelling with schools or recognised organisations that are supervised by adults. All adults and children named on the policy schedule are covered while travelling on their own.

Geographical limits

If you travel outside the area or areas named on your schedule, your insurance will not be valid.

Healthcare specialist

A registered practising member of the medical or healthcare profession including general practitioners (GPs), hospital specialists and consultants, nurses, osteopaths, chiropractors, acupuncturists and physiotherapists who are not related to you or to anyone you are travelling with.

High-risk items

Photographic, audio, computer, video and electrical equipment of any kind (including CDs, Mini Discs, DVDs, TVs, electronic games, MP3 players, personal digital assistants (PDAs), video and audio tapes), telescopes, binoculars, sunglasses, spectacles, mobile phones, jewellery, watches, furs, leather goods, animal skins and items made of or containing gold, silver, precious metals or precious or semi-precious stones.

Home

The address where you permanently live in the UK or Channel Islands, as shown on the schedule.

Inter

A third party who administer the travel product on behalf of Churchill Insurance.

Medical condition

Any disease, illness, injury or symptoms, whether diagnosed or not.

Money

Coin and bank notes in current circulation, cheques, travel tickets, tickets for events or entertainment (such as concerts, theme parks and theatres) and driving licences. Money does not include anything used or held for business or professional purposes.

Period of insurance for single trip insurance

The date your policy starts and ends, as shown in your policy schedule. If your return to the UK is unavoidably delayed due to an event insured by this policy, the period of insurance is automatically extended to cover this period of delay.

Period of insurance for annual travel insurance

The date your policy starts and ends, as shown on the policy schedule. The maximum length for each single trip is 45 days and all cover for that trip will end after this period. You must not be away from home for more than 180 days in any one period of insurance. All cover ends when the period of insurance ends. If your return to the UK is unavoidably delayed due to an event insured by this policy, the period of insurance is automatically extended to cover this period of delay.

Personal possessions

High-risk items, luggage, passport, clothing, sports equipment and any other items not otherwise excluded that you normally wear, use or carry and that belong to you or for which you are legally responsible.

Place of business

The address where you permanently work in the UK or Channel Islands, as shown on the schedule.

Pre-Existing Medical Condition

Any medical condition or any symptoms present at the start of this insurance for which:

• You have been prescribed medication
• You are being referred to, treated by or under the care of a Healthcare Specialist
• You are waiting for treatment or the results of any tests or investigations whether diagnosed or not
• There is direct or indirect link to cancer
• A Close Relative or Travelling Companion has suffered from:–
• A Medical Condition which has caused them to have been hospitalised in the last 12 months or be put on a waiting list for hospital treatment

Public transport

Trains, coaches, buses, aircraft and sailing vessels running to a timetable.

Single trip policy

Churchill travel policy with a term (as shown in the policy schedule) of less than one year.

Solicitor

Any suitably qualified person acting for you to make a claim under this policy.

Solicitor’s costs

All reasonable and necessary legal costs charged by the solicitor with our agreement. Also, the costs owed to opponents in civil cases if you are ordered to pay them or if we agree that you should pay them.

Terrorist act

A terrorist act is an act or threat of action by a person or group of people, whether they are acting alone or with other people, organisations or governments, for political, ethnic, racial, religious, ideological or similar purposes to influence any government or to frighten the public or any section of it. An ‘act’ or ‘action’ here means:

• violence against a person;
• damage to property;
• putting a person’s life in danger;
• creating a health risk to the public or a section of it; or
• interfering with or seriously disrupting electronic systems or transport services.

Travelling companion

A person or people booked to travel with you on your trip.

Trip

A trip starts when you leave your home or place of business in the UK, whichever is later, and ends on your return home or to your place of business in the UK, whichever is first. The trip must be entirely within the geographical limits for which you have bought cover and it must be within the period of insurance.

Annual policy

• You are covered for an unlimited number of trips within your chosen geographical area during the period of insurance.
• The maximum length for each single trip is 45 days and all cover for that trip will end after this period.
• You must not be away from home for more than 180 days in any one period of insurance.
• Trips within the UK must be arranged beforehand, be more than 25 miles from your permanent address and be for two or more nights.

Single Trip policy

The duration of your trip is shown on your policy schedule.

• the maximum length for each trip is 90 days and all cover for that trip will end after this period; and
• trips within the UK must be arranged beforehand, be more than 25 miles from your permanent address and be for two or more nights.

Underwriter/underwritten

The company providing the insurance cover under this policy.

United Kingdom (UK)

Great Britain, Northern Ireland, Isle of Man and the Channel Islands.

We, our, us

Churchill Travel Insurance, Indemnity Insurance Limited and our agents (Inter Group Assistance Services).

Winter sports

Recreational skiing and snowboarding in recognised resort areas that have marked pistes or runs designed for public use. At all times you will be expected to ski safely, take notice of any local warnings or advice, and not recklessly put yourself in danger. With our Annual policy if you have chosen winter sports cover, you will be covered for up to 25 days of winter sports activities during the period of insurance.

Worldwide (Annual policy only).

Anywhere in the world.

Worldwide, apart from North and South America, Canada and the Caribbean (Annual policy only).

Anywhere in the world apart from the United States of America, South America, Mexico, Canada and all islands in the Caribbean Sea including the Bahamas.

You, your

Any person named on the policy schedule.