Advance Payments and Loss of Tuition Fees
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In the event that You, through unforeseen circumstances which are completely beyond Your control, cannot reasonably be expected to commence or complete Your pre-paid travel or accommodation arrangements or Your pre-paid study or tuition arrangements.

WHAT WE WILL PAY FOR

(i) The non-refundable components paid in advance for Your travel and accommodation arrangements up to a maximum of £3,500/€/$5,000.

(ii) The non-refundable education, tuition or study fees paid in advance up to a maximum of £9,500/€/$15,000.

(iii) Travel agent cancellation fees limited to the lessor of £320/€/$500 or 10% of the total cost of the cancelled journey.

(iv) The reasonable additional travel or accommodation expenses that would not otherwise have been incurred (at the same fare level or class of service or standard originally selected) following the disruption of Your pre-paid travel, accommodation or study or tuition arrangements.

(v) The additional cost of Your early return to Your normal place of residence in Your Country of Origin at the same fare level and class of service selected by You if Your original ticket became invalid following a claim under Section 3 of this policy.

Unforeseen Circumstances are:

(i) The unexpected death, sudden illness or accident to You or Your travelling companion.

(ii) The unexpected death, sudden illness or accident requiring hospitalisation of a relative. The relative must be a permanent resident of and living in Your Country of Origin under the age of 75. We will not pay if their death or illness is a result of a pre-existing medical condition.

(iii) Unforeseen strike, riot or civil commotion or hijacking causing cancellation or disruption of scheduled public services.

(iv) Severe weather conditions, motor vehicle, aircraft or railway accidents or natural disasters, which directly disrupt or delay scheduled transport services of pre-booked travel arrangements.

(iv) The theft of Your travel documentation or passport.

WE WILL NOT PAY FOR

(i) Claims caused by or arising from any circumstance of which You were aware of before the date of issue of the Certificate of Insurance which might have caused the journey to be disrupted, delayed or cancelled.

(ii) Additional travel and accommodation expenses for the purpose of resuming the journey after You have returned to Your Country of Origin.

(iii) Additional travel or accommodation expenses for periods where no pre-paid travel or accommodation arrangements have been made.

(iv) Carrier caused delays or carrier rescheduled transport services for pre-booked travel.

(v) Claims arising from changes to Your travel plans or You or Your travelling companion’s disinclination to commence or complete the arranged journey

(vi) Claims arising from the insolvency or default of any study or education provider, travel agent, accommodation provider, carrier or transport operator but limted to.

(vii) Any claim arising from an event listed as a General Exclusion.