Geographical Areas

Area 1 - United Kingdom only
Whilst insurance is available for holidays in the United Kingdom (England, Scotland, Wales and Northern Ireland), Sections A - Emergency medical expenses shall not apply.

Area 2 - Europe
Europe means the continent of Europe west of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, Republic of Ireland, the Canary Islands, Azores and Mediterranean Islands, as well as the countries bordering the Mediterranean.

Area 3 - Worldwide excluding North America
North America means the USA, Canada.

1. For any period of cover purchased Area 3 can include a 48 hour stop-over anywhere in the world for both outward and return travel.
2. If the period of cover purchased is two months or more Area 3 can be extended to include a maximum of 6 days/nights anywhere in the world.

Area 4 -Worldwide including North America
Anywhere in the world.

Sporting and adventurous activities

Subject to the exclusions of this policy, recreational, non-professional (amateur) and non-competitive activities are automatically covered, provided that they are outlined in a Mountain Kingdoms itinerary, brochure, trip note, website, or other Mountain Kingdoms promotional literature (as applicable), and are booked through or organised by Mountain Kingdoms and the appropriate premium paid.

Note
Section B Personal liability excludes claims relating to the ownership possession or use of vehicles, aircraft, hovercraft, watercraft, firearms and buildings.