This insurance will only be valid if everyone named on the insurance schedule:

• Is a resident of the United Kingdom, the Channel Islands or British Forces Posted Overseas (BFPO) and has not spent more than 6 months abroad in the 12 months prior to buying this policy;
• Is not already abroad when the policy starts;
• Will only be taking trips which start and end in the United Kingdom, the Channel Islands or BFPO;
• Will only be travelling within the period of insurance unless we have been asked, and agreed, to extend the policy and confirmed this in writing;
• Who is aged 17 or under will not be travelling without one of the named insured adults on the insurance schedule;
• Will not travel against the advice of their doctor or a medical professional, such as their dentist;
• Will not travel specifically to receive medical treatment abroad or in the knowledge that they are likely to need treatment;
• Will not travel to an area that is classified as ‘Advise against all travel or Advise against all but essential travel’ by the Foreign and Commonwealth Office at the time of your departure.