General Exclusions

We will not cover the following:

1. Any claim arising from or resulting from, a trip that you take or, any person who your travel depends on, if:
   1. The claim relates to a medical condition or any illness related to a medical condition which you or they knew, or could have reasonably been expected to have known about before you bought this insurance;
   2. You are travelling against medical advice;
   3. You are travelling to receive medical advice or treatment;
   4. You are on a hospital waiting list waiting for treatment;
   5. You have been given a terminal diagnosis;
   6. Any claim in relation to pregnancy if you are travelling and have reached your 20th week of pregnancy or medical complications arising from pregnancy or child birth where prior medical complications have existed.
2. Loss or damage directly or indirectly caused by war, civil war, invasion, terrorism, insurrection, revolution, use of military power or usurpation of government or military power, or any Government, public or local authority legally taking or damaging your property. Terrorism being defined as any act or the use or threat of force (whether or not in the UK) including but not limited to:
   1. endangering the life of a person(s);
   2. serious violence against person(s);
   3. involving damage to property;
   4. creating a serious risk to the health and safety of the public; or
   5. involving the use of firearms, explosives, biological, chemical, nuclear or other means;
   which is committed by any person(s) for political, religious or ideological purposes to influence any government or to put any member of the public in fear.
3. Loss, injury or damage to any property, or any loss, expense or liability arising from:
   1. ionising radiation or radioactive contamination from any nuclear fuel or waste or from the burning of nuclear fuel; or
   2. radioactive, toxic, explosive or other dangerous properties of nuclear equipment or its nuclear parts;
   3. pollution unless the pollution is caused by a sudden, identifiable, unexpected and accidental incident which happens during the period of insurance;
   4. civil commotion, strike, lock-out, blockades, riots of any kind, actions of any government of any country or threat of such event.
4. Any costs as a result of any agreement or contract unless we would have had to pay the costs anyway.
5. Costs that can be recovered from any other source or policy.
6. Loss, damage, expense or indemnity incurred as a result of travelling to an area that the Foreign & Commonwealth Office have advised against travel, provided that such loss, damage, expense or indemnity is directly or indirectly related to any circumstances that are the reason for the advice.
7. Loss or damage due to confiscation, impounding requisition or destruction by any government, public or local authority.
8. Any claim if you already have a more specific insurance covering this.
9. Loss, destruction or damage directly caused by pressure waves resulting from any aircraft or other flying object travelling at or above the speed of sound.
10. Any claim arising from you being in, or entering, or leaving any aircraft other than as a fare-paying passenger in a fully-licensed passenger-carrying aircraft.
11. Any claim arising from using a two-wheeled motor vehicle.
12. Any other loss resulting from the event you are claiming for unless we provide cover under this insurance.
13. Any claim arising directly or indirectly from your financial problems.
14. Any claims arising directly or indirectly from you participating in any hazardous activities or sport and leisure activities or engaging in manual work unless this has been accepted by Swiftcover Travel Insurance.
15. Any claim resulting from the tour operator, airline or any other company, firm or person becoming insolvent, or being unable or unwilling to fulfil any part of their obligation (This does not apply if you have purchased cover under Section 14 (scheduled airline failure) of this insurance and the claim is covered).
16. Any claim arising or resulting from you being involved in any illegal or criminal act.
17. Racing of any kind (except on foot).
18. Winter sports (unless we provide cover as shown on your schedule).
19. Any claim arising from or resulting from services or inter-services championships, or heats, or officially organised practice or training for these events. Snowboard or ski-jumping, ice hockey, using skeletons or bobsleighs, canyoning, off-shore sailing, mountaineering (if this involves using ropes) or pot-holing or any equipment used for these events.
20. Any claim arising or resulting from:
    1. suicide or attempted suicide
    2. depression, anxiety, mental strain, depressive illness of any type
    3. injuring yourself deliberately or putting yourself in danger (unless you are trying to save a human life).
21. Any claim resulting from you being under the influence of or in connection with the use of alcohol or drugs, or from you contracting any sexually transmitted disease, AIDS or HIV, or failing to have appropriate vaccinations.
22. This exclusion applies to sections 3, 4, 5, 6, 7, 9, 10, 12, 13 and 14. We shall not be liable under this insurance for any claims in any way caused or contributed to:
    1. The failure of
    2. The fear of the failure of
    3. The inability of any equipment or any computer programme to recognise, interpret correctly or process any date as its true calendar date, or to continue to function correctly beyond that date.
23. Any consequential loss of any kind, whether directly or indirectly incurred, except as may be specifically provided for in this insurance.
24. Any claim caused in connection with winter sports whilst skiing or snowboarding off piste without a qualified instructor or when a piste is closed.