This leaflet contains details of the cover provided under the Insurance Scheme arranged for Thanks Darling, provided by Certain Underwriters at Lloyds of London. Failure to observe the terms and conditions could result in Us not paying Your claim.

GENERAL INFORMATION

Your Insurance
Please read this document to ensure that the cover meets Your needs. If You need more advice on the coverage provided by this Insurance, please call Squibbs Insurance Consultants.

Health
The Insurance contains conditions that relate to your health and the health of others on whose well being Your attendance at the Insured Event may depend. In particular, We may not cover losses resulting from medical problems, which You or they had before the Insurance commenced.

Law
This Insurance is to be governed by English law.

Money Back Guarantee
If You decide this Insurance does not suit Your requirements, within 14 days of purchasing this Insurance and provided no claims have been made and the Insured event has not commenced, You may return this Insurance to Us and Your premium will be refunded in full.

DEFINITIONS
Wherever the following words or phrases appear in this Policy, they shall carry the meanings specified below:

Sum Insured
This is the maximum amount payable for any claim under each section.

Business Associate
Any person, who works at your place of business whose absence, if You were away from work at the same time for a period of twenty-four hours or more, would prevent the business from running properly.

Temporary Total Disablement
A disability which entirely prevents You from attending to Your usual business or occupation.

Permanent Total Disablement
A disability which entirely prevents You from attending to any business or occupation whatsoever and which lasts twelve months and at the end of that period is beyond hope of improvement.

Loss of a Limb
A permanent loss by physical separation of a hand at or above the wrist or of a foot at or above the ankle and includes permanent total and irrecoverable loss of use of hand, arm or leg.

Public Transport
Train, bus or coach services to join the Insured Event.

Immediate Relative
Husband, wife, parent, parent-in-law, brother, brother-in-law, sister, sister-in-law, son, son-in-law, daughter, daughter-in-law, fianc? or fianc?e.

Insured Event
An event organised by Thanks Darling in the United Kingdom during the Period of Insurance stated above. Special note: This Insurance expires immediately on Your departure from the event venue.

"We", "Us", "Our"
Certain Underwriters at Lloyds of London.

"You", "Your"
Each person named in the Schedule attached to this document. Each person must live in the United Kingdom.

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

COMPLAINTS PROCEDURE
Squibbs Insurance Consultants will do everything possible to make sure that You receive a high standard of service. If You are not satisfied with the service that You receive or wish to make a complaint, please write to: Squibbs Insurance Consultants, 3 Angel Crescent, Bridgewater, Somerset TA6 3EW. In the unlikely event that You are not satisfied with the outcome You may request them to refer the matter to: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR

OPERATIVE TIMES
For all Sections except Cancellation coverage under Section 2, cover will be operative whilst Participating in an Insured Event organised by Thanks Darling. Cover commences from Your time of arrival at the Insured Event venue and ends immediately on Your departure from the Insured Event venue. The Cancellation coverage under Section 2 starts at the time of booking Your Insured Event with Thanks Darling and ends on arrival at the Insured Event venue.
Country of Domicile: For the purpose of insurance, this must be the United Kingdom.
The Geographical Limits: United Kingdom only

SECTION 1 - PERSONAL ACCIDENT: £10,000 per person.
If during the Insured Event You sustain accidental bodily injury caused by external, violent, and visible means which results in:

i	Death	£10,000
ii	Total and irrecoverable loss of sight of one or both eyes	£10,000
iii	Loss of one or two limbs	£10,000
iv	Total and irrecoverable loss of sight of one eye and loss of limb	£10,000
v	Permanent Total Disablement (other) than loss of limb or eye)	£10,000
vi	Temporary Total Disablement, payable for a maximum of 104
	Weeks excluding the first 14 days of each and every loss from
	the date of the accident.	£100 per week.

PROVIDED THAT

a)	the death benefit if You are under 16 years of age at the expiry of this Insurance is limited to ?5,000;
b)	benefit shall not be payable under more than one of Items i to vi in respect of the consequences of one accident;
c)	the total Sum Insured under this Insurance in respect of any one or more claims by the Person Insured shall not exceed in all the largest benefit under any one of Items 1 to 6.

EXCLUSIONS - APPLCABLE TO SECTION 1 ONLY
The insurance does not cover:

1	Any claims in respect of Benefit vi with regards to any persons under 16 years at expiry of this insurance.
2	Any claims in respect of Benefits v and vi with regards to any persons over 65 years at expiry of this insurance

SECTION 2 - CANCELLATION: Full Voucher Cost
The Insurance shall pay up to the Sum Insured specified above to You in respect of all irrecoverable deposits, advance payments and other charges paid or due to be paid by You in connection with the Insured Event paid in advance or contracted to be paid in the event of the Person Insured's presence at the Insured Event being necessarily cancelled or abandoned due to:

1	death, injury or sickness of You, Your Immediate Relative or Business Associate;
2	our home or place of business being rendered uninhabitable within 7 days of the Insured Event or Your presence being required by the Police following burglary or attempted burglary at Your residence or business premises;
3	quarantine, witness call or jury service where postponement has been denied by the court;
4	Government regulation following an epidemic or natural disaster which bars the Person Insured from attending Insured Event.

PLEASE NOTE
Cover under this Section is subject to the proviso that You are not aware of any of the above circumstances at the time of booking an Insured Event.

EXCLUSIONS - APPLICABLE TO SECTION 2 ONLY
The Insurance does not cover: -

1	The failure of or the fear of failure or the inability of any equipment or any computer program to recognise, interpret correctly or process any date as its true calendar date or to continue to function correctly beyond that date.
2	Expenses payable by the organiser of the Insured Event.
3	Losses arising from failure or delay in notifying the organiser of the Insured Event or the provider of transport immediately it may be necessary to cancel or curtail the travel arrangements.
4	The cost of curtailment and additional expenses not authorised by Squibbs Insurance Consultants:
5	Claims arising where the cause giving rise to the claim was known at the time the Insurance was effected or at the time of booking the Insured Event (except with regard to Pregnancy - see general exclusion 3).
6	Your disinclination to travel or financial circumstances.

SECTION 3 - PERSONAL LIABILITY: ?1,000,000
The Insurance shall indemnify You up to the Sum stated above in respect of Your legal liability for accidental injury to third parties or accidental loss of or damage to third party property occurring during the Insured Event.

EXCLUSIONS - APPLICABLE TO SECTION 3 ONLY
The Insurance does not cover :-

1	Employers or Contractual liability
2	Liability to any member of your family or to a travelling companion or friend or colleague
3	Any liability arising directly or indirectly from or due to: animals belonging to you or in your care, custody or control, any wilful, malicious or unlawful act, pursuit of a trade, business or profession, employment or occupation or hazardous activity
4	Ownership, possession or use of vehicles (other than golf buggies whilst on the golf course), aircraft, watercraft, parachuting, hang-gliding, hot air ballooning or use of firearms.
5	Legal costs of any proceedings that result from any criminal or illegal act.
6	Insanity, the use of any alcohol, drugs (except medically prescribed) or drug addiction.
7	The supply of goods or services as a part of a trade, business or profession
8	Any form of ownership or occupation of land or buildings (other than occupation only of any temporary residence).

CONDITIONS APPLICABLE TO ALL SECTIONS

1	It is a general condition of this Insurance that the Insured Event is not booked a after receipt of a terminal prognosis; or b against the advice of a registered qualified medical practitioner or c while receiving in-patient treatment or awaiting such treatment or d after You have been hospitalised or received advice, medication or treatment in the twelve months prior to booking an Insured Event.
2	The due observance and fulfilment of all the terms and conditions of this Insurance in so far as they relate to anything to be done or complied with by You or anyone acting on Your behalf shall be a condition precedent to any liability of Ours.
3	In the event of an occurrence which may give rise to a claim written notice shall be given to Squibbs Insurance Consultants not later than 31 days after the date of the occurrence.
4	You must provide Us with all certificates, items whether damaged or otherwise, documentation and evidence We require relating to Your claim.
5	You must in the event of a claim submit to any medical examination(s) We require, at Your own expense or the expense of Your legal representatives.
6	You expressly undertake to repay to Us any amount paid by Us on Your behalf for which We are not liable.
7	No person is entitled to admit liability on behalf of Us or to give any representation or other undertaking binding upon them. We may at Our own expense take proceedings in Your name to recover compensation from any third party in respect of any indemnity provided under this Insurance and any amount so recovered shall belong to Us.
8	In the event of Your death, We shall have the right to have a post-mortem carried out at Our own expense.
9	You must exercise reasonable care to prevent illness, accident, loss or damage and exercise all reasonable care for the safety and supervision of your property as if uninsured. Failure so to do will prejudice rights acquired under this Insurance.
10	In the event of a claim being made under this Insurance on which We subsequently give notice that such a claim is repudiated by Us, We shall not be liable for this claim after the expiry of three months from the day the notice of repudiation is given, unless the claim is within that time subject to the commencement of legal proceedings in connection with it.
11	Each Person Insured shall be deemed to be separately insured.
12	This Insurance is non-transferable.
13	No refund is available under this Insurance other than under the 14-day Money Back Guarantee.
14	All material facts which may affect the Insurance must be disclosed to Us, at the time of purchasing the voucher for the Person Insured and throughout the Period of Insurance. Following a change in material fact disclosed to Us by You during the Period of Insurance, We reserve the right to amend or cancel Your Insurance.
15	In the event of a fraudulent claim being made or fraudulent means or devices being used to obtain any benefit under this Insurance, all benefits hereunder and all premiums paid shall be forfeited, and cover shall be voided.

EXCLUSIONS - APPLICABLE TO ALL SECTIONS
The Insurance does not cover: -

1	Any claim arising directly or indirectly from: a War, terrorism, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation of or destruction of or damage to property by or under the order of any government or local authority or radioactive contamination of any description however caused: b Loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or any consequential loss. Any legal liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof c Any legal liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionising radiation or contamination by radioactivity from any nuclear fuel, or from any nuclear waste, from the combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof: d Your suicide or wilfully self-inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, alcoholism, drunkenness or the use of drugs (other than drugs taken in accordance with treatment prescribed and directed by a registered medical practitioner other than the Person Insured, but not for the treatment of drug addiction), self-exposure to needless peril (except in an attempt to save human life); e You engaging in any criminal or illegal act. f Aviation other than as a fare paying passenger in a fully licensed passenger aircraft flown by a properly licensed crew unless the Insured Event purchased involves Aviation and then only whilst engaging in the Insured Event.
2	Loss in respect of any property more specifically insured or any claim which but for the existence of this Insurance would be recoverable under any other Insurance.
3	Claims arising from pregnancy unless the expected date of confinement is more than two months after Your return from the Insured Event;
4	Claims increased by Your own act or omission;
5	Consequential loss of any nature;
6	Claims arising directly or indirectly as a result of the bankruptcy or liquidation of Thanks Darling and/or any person or company subcontracted by Thanks Darling ;
7	Claims arising directly or indirectly as a result of Your financial incapacity.
8	Surcharges levied by the organiser of the Insured Event increasing basic brochure prices:
9	Losses arising from the financial failure of the organiser of the Insured Event
10	Any claim arising directly or indirectly from any medical condition which has in the twelve months prior to booking the Insured Event resulted in consultation or treatment or has been referred for further investigations.
11	Any claim where You cannot prove and substantiate its amount.
12	death, disablement or expense in any way caused or contributed to by HIV (Human Immune Deficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivative or variations thereof however caused.

MAKING A CLAIM
If you wish to make a claim, on Your return home write or telephone for a claim form to: ONE Claims, 1-4 Limes Court, Conduit Lane, Hoddesdon, Herts. EN11 8EPTel: 01992 708708 Fax: 01992 450717
Please quote the Master Policy Number (CSP 615710109) shown and stated under which section(s) a claim is being made. This will ensure the correct claim form(s) are sent to you.

PLEASE DO NOT FORWARD ANY DOCUMENTS UNTIL YOU SUBMIT THE COMPLETED CLAIM FORM.

IMPORTANT: Please read the claim form carefully and ensure that You provide all the documentation requested. Failure to fully complete the claim form or forward all the requested documentation may be required to substantiate Your loss if it is considered necessary. If medical treatment has been received, You must obtain Medical Certificates showing the nature of the injury or illness together with all the bills, which should if possible be paid and a receipt obtained. In no event should a claim be notified later than 31 days after the end of the occurrence.