Incidental holiday to a business trip

From time to time insured persons will request extension of the Travel Insurance to provide cover in respect of Holiday trips in conjunction with a formal trip for the member organisation. We take the view that it is reasonable to extend a business trip, before or after such trip for a number of days relative to the business trip duration – for example if there was a trip to Paris commencing on a Wednesday it would be fine to extend the stay over the following weekend or travel a few days early, this would include stopping off en-route either to or from the trip.

Incidental days do not intend to accommodate what would normally be considered to be stand-alone holiday cover.

Cover includes stopping off in another country e.g. stopping of in Bali en-route from Australia back to the UK.

The following guide may be used, but to discuss any particular trip details you are unsure about, please contact Insurance@imperial.ac.uk to discuss. 

Cover is further provided under the policy in respect of any Leisure trips taken outside of Country of placement/study-abroad during Summer/Winter/Easter breaks, that are not enroute to or from UK, subject to the Leisure Trip not exceeding:

a)  3 hours total flight time (including any stopovers);
b)  14 days duration.

Whereby Leisure trips exceed a and/or b above the following additional conditions and exclusions apply:-

Pre Existing Condition

In respect of Sub Section, B1.1 - Medical and other Emergency Travel Expenses, B1.2 - Repatriation Expenses and B1.3 – My Lifeline Assistance, the Company is not liable for any claim directly or indirectly resulting from or attributable to the Insured Person suffering from any physical defect or infirmity existing prior to inception or any renewal of the policy unless advised to and accepted in writing by the Company.

Maximum Age

The Company is not liable for any claim directly or indirectly resulting from or attributable to any Insured Person after expiry of the Period of Insurance during which that Insured Person reaches age 60

Maximum Trip Duration

The Company is not liable for any claim directly or indirectly resulting from or attributable any Leisure Trip scheduled to last in excess of 14 days.

Excess

In respect of Sub Section, B1.1 - Medical Expenses and other Emergency Travel Expenses the following is added to EXCLUSIONS APPLICABLE TO SECTION B1.1:

The first £50 of each and every claim.

In respect of Sub Section, B2 - Personal Property the following is added to EXCLUSIONS APPLICABLE TO SECTION B2:

The first £50 of each and every claim, in addition to claimant excess.

In respect of Sub Section, B3 – Personal Money the following is added to EXCLUSIONS APPLICABLE TO SECTION B3:

The first £50 of each and every claim, in addition to claimant excess.

In respect of Sub Section, B4 - Cancellation, Curtailment, Travel Disruption, Replacement & Travel Delay the following is added to EXCLUSIONS APPLICABLE TO SECTION B4:

The first £250 of each and every claim.

Single Article Limit

In respect of Sub Section, B2 - Personal Property there is a single article limit of £500 in respect of loss or damage to any one article, pair or set.

Hazardous Activities

The Company is not liable for any claim directly or indirectly resulting from or attributable to the Insured Person engaging in any of the following activities:

Hang Gliding; Manual work of any kind undertaken by an Insured Person during the Leisure Trip, unless declared to and accepted in writing by the Company; Motor Competitions; Mountaineering, rock or cliff climbing; Parachuting; Pot-holing; Racing other than on foot or in dinghies; using a two-wheeled motor vehicle over 125cc; Scuba Diving whilst unaccompanied or for hire or reward where the planned use of decompression stops is undertaken, the use of breathing apparatus, oxygen or any mixed gases other than compressed air, diving to a depth exceeding 30metres; Heli-skiing; Ice climbing; Ice diving; Off piste skiing in areas considered to be unsafe by local resort management.

Pregnancy

In respect of Sub Section, B1.1 - Medical and other Emergency Travel Expenses, B1.2 - Repatriation Expenses and B1.3 – My Lifeline Assistance, the Company shall not be liable for any claim directly or indirectly resulting from or attributable to Pregnancy or Childbirth where the expected date of delivery is within twelve weeks (or sixteen weeks in the case of a known multiple pregnancy) of the end of the Leisure Trip.