If an Insured Person sustains Bodily Injury during the Effective Time The Underwriters agree to pay the Benefit to the Insured Person provided that such Bodily Injury is sustained during the Period of Insurance noted on the Certificate of Insurance.

DEFINITIONS

Accident - A sudden and unforseen event which occurs during the Period of Insurance resulting in Bodily Injury.

Associated Motor Policy - the Motor Policy effected at the same time and in conjunction with the Certificate of Insurance under this Master Policy.

Benefit - the amount shown in the Table of Benefits.

Bodily Injury - any injury which is caused by accidental means and which within 104 weeks from the date of the Accident shall, solely and independently of any other cause, result in the Insured Person's Death, Loss of Limb(s), Loss of Eye(s), or Permanent Total Disablement.

Effective Time - whilst travelling in, mounting onto or dismounting from an Insured Vehicle which is being driven by and Insured Person.

Insured Person - Participating Customers, Participating Customers Spouse, all named drivers and their passengers.

Insured Vehicle - the vehicle defined in the Participating Customers Associated Motor Policy not including Motorcycles, Mopeds or the like. These are specified on the Certificate of Cover.

Loss of Eye or Eyes - shall mean the permanent and total loss of sight which shall be considered as having occurred
(a) In both eyes if the Insured Person's name is added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist.
(b) In one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen scale (meaning the Insured Person sees at 3 feet what they should see at 60 feet).

Loss of Limb or Limbs - shall mean the permanent and complete Loss of a Limb or Limbs by physical separation at or above the wrist or ankle or the permanent and complete Loss of Use of a Limb or Limbs.

Participating Customers - all Customers of the Coverholder who have paid the required premium and are noted on a Certificate of Cover, except where exclusion 2 applies, where cover is limited to passengers aged under 70 years only.

Period of Cover - as defined on the Certificate of Cover. Not to exceed 12 months from the Effective Date of Cover.

Permanent Total Disablement - shall mean disablement caused other than by Loss of Limb or Eye which has lasted for 52 consecutive weeks and will in all probability prevent the Insured Person from engaging in gainful employment of any and every kind for the remainder of their life.

Underwriters - shall mean Ultimate Insurance Solutions on behalf of certain Underwriters at Lloyd's under binding authority number HULTIMA 02.

EXCLUSIONS

The underwriters shall not be liable in respect of any claim

1. Directly or indirectly consequent upon:
a) War, Invasion, act of foreign enemy, hostilities (whether war declared or not), civil war, rebellion, revolution, insurrection or military or usurped power, and any act of terrorism.
b) The Insured Person committing or attempting to commit suicide or intentional self-injury.
c) Childbirth or pregnancy.
d) Motor racing, rallies, competitions, speed tests or the like.
e) The Insured Person being under the influence of, or being affected by, alcohol or drugs other than drugs taken under the direction of a qualified medical practitioner.
2. Suffered after age 70 years.
3. Use of vehicles other than private cars.

CLAIMS

Any occurrence that is likely to give rise to a claim should be notified to the Company in writing as soon as is reasonably possible and in any event within 60 days of the occurrence.

MAKING A CLAIM

If you need to make a claim, in the first instance you should telephone Ultimate Insurance Solutions on 0870 6061365.