Immediate relative: Mother, father, sister, brother, wife, husband, daughter, son, grandparent, grandchild, parent-in-law, son-in-law, brother-in-law, step-parent, step-children, step-brother or step-sister

Personal Accident: accidental bodily injury caused solely and directly by outward violent and visible means.

Loss of limb: Physical, permanent and total loss of use at or above the wrist or ankle.

Loss of sight: The complete and permanent loss of sight in at least one eye.

Permanent total disablement: disablement as a result of which there is no business or occupation which you are able to attend to which having lasted for a period of 12 months is, at the end of that period beyond hope of improvement.

Personal baggage: your suitcases (or similar luggage carriers) and their contents usually taken on a trip, together with articles worn or carried by you for your individual use during your trip.

Money: cash, postal and money orders, travel tickets, lift passes (in respect of winter sports trips where the appropriate premium has been paid), passports, petrol coupons and green cards held by you for social, domestic and pleasure purposes.

Valuables: watches, furs, jewellery, photographic equipment, video equipment, camcorders and audio equipment.

United Kingdom: England, Scotland, Wales, Northern Ireland, the Scilly Isles, the Isle of Man and Channel Islands.

Curtail/Curtailment: Return early to home.

Medical Practitioner: a registered practising member of the medical profession who is not related to you or to any person you are travelling with, or intending to stay with.

Close business associate: any person whose absence from business for one or more complete days at the same time as your absence prevents the effective continuation of that business.

Redundancy: any person declared redundant, who is under 65 years and under the normal retiring age for someone holding that person's position, and who has been employed for two continuous years with the same employer at the time of being made redundant.

Public transport: any fare paying passenger on the following regular scheduled forms of transport: Train; Coach; Taxi; Bus; Aircraft and Sea Vessel.

Sports equipment: articles which are usually worn, carried or held in the course of participating in a recognised sport.

Golf equipment: articles which are usually worn, carried or held in the course of participating in the game of golf.

Ski equipment: skis, ski boots, ski poles and snowboards.

Hijack: the unlawful seizure of wrongful exercise of control of an aircraft or conveyance which you are travelling in as a passenger.

Mugging: a violent attack on you with a view to theft by person(s) not previously known to you.

Ski pack: pre-booked lift passes, hired skis and boots and ski school fees.

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