Loss of Deposits (Section 6)

EXTENT OF COVER

If during the Period of Insurance, You or an Insured Person incurs loss of Travel and Accommodation Expenses paid in advance of a proposed Journey as a result of any Unforseen Circumstances, We will reimburse You or the Insured Person for those expenses up to the amount shown on Schedule against Section 6.

DEFINITIONS UNDER SECTION 6

TRAVEL AND ACCOMMODATION EXPENSES means any amount that You or the Insured Person have paid or are liable to pay by reason of contract, for the supply of transportation of any type, accommodation, food or conference/seminar facilities, which neither You or the Insured Person are able to use as a result of any Unforseen Circumstance.

UNFORSEEN CIRCUMSTANCES means:

• The Insured Person sustains an Injury or contracts a Sickness which results in the Insured Person being certified by a Doctor as unfit to commence the journey;
• A Close Relative, travelling companion or business associate of the Insured Person dies unexpectedly, sustains a Serious Injury or contracts a Serious Sickness and a Doctor Certifies that the presence of the Insured Person is necessary for the health of that Close Relative, travelling companion or business associate;
• The Insured Person's residence or business suffers major loss or damage; or
• Any other unforseen circumstances outside the control of You or the Insured Person.

EXCLUSIONS UNDER SECTION 6.

We shall not be liable for any loss attributable to:

1. Cancellation, curtailment or diversion of scheduled public transport services, including by reason of strikes or other industrial action, if there has been warning before the date the Journey or tour was booked that such events were likely to occur.
2. Carrier caused delays where the cost of expenses is recoverable from the carrier.
3. Any business, financial or contractual arrangements or obligations of You, an Insured Person or any other person.
4. Any change of plans or disinclination on the part of an Insured Person or of any other person to travel.
5. The inability of any tour operator or wholesaler to complete arrangements for any Journey or tour due to a deficiency in the required number of persons to commence any Journey or tour.
6. The refusal, failure or inability of any person, company or organisation, including but not limited to airline, other transportation provider, hotel, car rental agency, tour or cruise operator, travel wholesaler, booking agent or other provider of travel or tourism related services, facilities or accommodation, by reason of their own financial default of any person, company or organisation with whom or with they deal.