Emergency Medical andPersonal Accident Insurance

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BENEFITS PAYABLE: 1. Death 2. Loss of one limb 3. Loss of two or more limbs5. Loss of sight in both eyes 6. Loss of sight in one eye and loss of one limb

and irrecoverable loss of sight of one or both yes7. Permanent total disablement (other than total

or loss of limb(s) )

USD250,000USD250,000USD250,000

USD250,000

USD250,000USD250,000

USD250,000

8. Temporary total disablement USD250 per week

a�er the date on which you first becam disabled ( elimina�on period ). The maximum benefit period in respect of temporary tota disablement will be the benefit period shown above, following the expiry of the elimina�on

during such disablement for a maximum of 26

period.

onsecu�ve weeks ( benefit period ) regardless of the number of accidents commencing 21 days

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SCHEDULE OF BENEFITS

Sec�on one – Personal Accident

BenefitCoverage Policy Limit

Medical Expenses and Evacuation USD

Medical Expenses $500,000

Medical Evacuation and Repatriation Expenses $500,000

Personal Accident and Medical Expenses and Evacuation USD

This insurance covers only such of the following benefits as have an amount inserted against them. W h e re b e n efi t s a re n o t i n s u re d t h e wo rd s“NOT COVERED” are shown

Accidental Death

Permanent Total Disablement

Loss Of One More Limb, Eye Or Eyes

Temporary Total Disablement

$250,000

$250,000

$250,000

$250 Per Week

Temporary Total Disability is only available and provided to those who have opted and selected for this benefit 8 online at applica�on stage. No cover is provided for Temporary Total Disability if this is not selected. Addi�onally it is not provided as an op�on for policy dura�on/s of less than six months.

Benefit will not be payable under more than one of the items above in respect of the consequences of one accident and no temporary total disablement benefit will become payable un�l the total amount has been ascertained and agreed. Where any payment is made for temporary total disablement benefit, the amount paid will be deducted from any lump sum subsequently payable in respect of the same accident .

Sec�on Two – Medical Expenses

any one accident or any one illness .We will pay you up-to a maximum of USD500,000

Sec�on Three – Medical Evacua�on And Repatria�on Expenses

We will pay you up-to a maximum of USD500,000 any one accident or any one illness.

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Sec�ons Two–medica l Expenses And Sec�on Three–medical Evacua�on And Repatria�on Expenses Combined

The maximum we will pay under both sec�on two and sec�on three combined in respect of the same accident or illness is USD 500,000.

Defini�onsImportant Informa�onInforma�on You Have Given Us No�fying Us Of Any Changes Or Inaccuracies Cancelling This InsuranceRefund Of Premium What Is Covered Sec�on One – Accident Sec�on Two – Medical Expenses Sec�on Three – Evacua�on What Is Not Covered How To Make A Claim Things You Must Do How We Deal With Your Claim Fraudulent Claims

Contents Page

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How To Make A Complaint Sanc�onsChoice Of Law Rights Of Third Par�es

14141414

Contents Page

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Accident a sudden, unexpected, unusual, specific, external event which occurs at an identifiable time and place during the period of insurance .

The number of consecutive weeks set out in the schedule for which temporary total disablement benefit is paid.

Accident

Benefit Period

Identifiable physical injury which is caused by an accident, and solely and independently of any other cause (except sickness or disease directly resulting from, or medical or surgical treatment rendered necessary by such injury) results in your death or disablement within twelve months from the date of the accident .

Bodily Injury

The number of consecutive days set out in the schedule after the date on which you first became disabled which must expire before temporary total disablement benefit becomes payable.

Elimination Period

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 your hand, arm, foot or leg.

Loss of limb

Definitions Wherever the following words appear in bold they will have the meanings shown below.

Loss of sight

Permanent and total loss of sight which we will consider as having happened:

Ÿ In both eyes if, on the authority of a fully-qualified ophthalmic specialist after correction, the degree of sight you have left in both eyes is 3/60 or less on the snellen scale (meaning you can see at not more than three feet what you should be able to see at sixty feet); or

Ÿ In one eye if, on the authority of a fully-qualified ophthalmic specialist after correction, the degree of sight you have left is 3/60 or less on the Snellen scale (meaning you can see at not more than three feet what you should be able to see at sixty feet).

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Means your sickness or disease the symptoms of which first appear during the period of insurance and which solely and independently of any other cause results in your total disablement within twelve consecutive months after the symptoms first appear.

Ill/Illness

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1. Reasonable travelling expenses necessarily incurred for your medical evacuation or repatriation, or

Medical Evacuation And Repatriation Expenses

2. In the case of death reasonable funeral expenses necessarily incurred outside your country of domicile, or 3. Expenses incurred in transporting your body or ashes to your country of domicile, including making the necessary arrangements.

Medical ExpensesMedical, surgical, diagnostic or remedial treatment, specialist fees, hospital, nursing home, nursing attendance charges, costs of physiotherapy, massage and manipulative treatment, surgical and medical requisites.

Medical Practitioner

A registered, qualified, practising member of the medical profession, who is not related to you .

ParalysisPermanent total and irrecoverable loss of function of one or more limbs.Period Of Insurance

The time for which this insurance is in place as shown in the schedule .

Permanent Total DisablementDisablement which prevents you from attending to all aspects of any business or occupation for which you are practically suited by training, education, industry knowledge or experience and

which lasts twelve consecutive months and at the end of that period is beyond hope of improvement.

The pages of this document showing your name, the sums insured, the period of insurance and the sections of this insurance which apply.

Schedule

Disablement which prevents you from attending to all aspects of your business or occupation.

Temporary Total Disablement

Isosceles PCC Limited - Cell Hotspot, PO Box 155 Mill Court La Charroterie St Peter Port GUERNSEY GY1 4ET

We / Us / Our

the person(s) named in the schedule .

You / Your

The insurance broker or intermediary shown in the schedule who arranged this insurance on your behalf.

Your Broker

Important Information

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This document, the schedule, and any endorsement(s) attached form your insurance. This insurance sets out the conditions of the insurance between you and us . Please read the whole document carefully and keep it in a safe place.

Ÿ You comply with the “things you must do” in the event of a claim, your duties under each section, and your duties under the insurance as a whole.

Ÿ You notify us of any inaccuracies in the information contained in the schedule , or of any changes to that information (see the “notifying us of any changes or inaccuracies” section below);

It is important that:Ÿ You check that the information contained in the schedule is

accurate and that the schedule reflects the coverage sections you have requested (see the “information you have given us” section below);

Ÿ Amend the terms of your insurance. We may apply these amended terms as if they were already in place if a claim has been adversely impacted by your carelessness; or

Ÿ Charge you more for your insurance or reduce the amount we pay on a claim in the proportion the premium you have paid bears to the premium we would have charged you ; or

Ÿ Treat this insurance as if it had never existed and refuse to pay all claims and return the premium paid. We will only do this if we provided you with insurance cover which we would not otherwise have offered; or

Ÿ Cancel your insurance in accordance with the “Cancelling this insurance” section below.

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If we establish that you deliberately or recklessly provided us with false or misleading information we will treat this insurance as if it never existed and decline all claims.

In deciding to accept this insurance and in setting the terms and premium, we have relied on the information you have given us . you must take care when answering any questions we ask by ensuring that all information provided is accurate and complete.

Failure to comply with the above could adversely affect your insurance or any claim you make.

Information You Have Given Us

If we establish that you carelessly provided us with false or misleading information it could adversely affect your insurance and any claim. For example we may:

Ÿ Require you to pay more for your insurance.

Ÿ Need to amend the terms of your insurance; or

Ÿ Intend to treat this insurance as if it never existed; or We or your broker will write to you if we :

When we are notified that information you previously provided is inaccurate, or of any changes to that information, we will tell you if this affects your insurance. For example we may amend the terms of your insurance or require you to pay more for your insurance or cancel your insurance in accordance with the “Cancelling this insurance” section below.

If you become aware that information you have given us is inaccurate or has changed, you must inform your broker as soon as practicable.

Notifying Us Of Any Changes Or Inaccuracies

If you fail to notify us that information you have provided is inaccurate, or youfail to notify us of any changes, this insurance may become invalid and we may not pay your claim, or any payment could be reduced.

If this insurance is cancelled outside the cooling off period then, provided you have not made a claim, you will be entitled to a refund of any premium paid, subject to a deduction for any time for which you have been covered. This will be calculated on a proportional basis. For example, if you have been covered for six (6) months, the deduction for the time you have been covered will be half the annual premium.

If you cancel this insurance within the cooling off period then, provided you have not made a claim, we will refund in full any premium you have paid.

Ÿ The date you receive this insurance documentation; or

This insurance has a cooling off period of fourteen (14) days from either:

Ÿ The start of the period of insurance whichever is the later.

Ÿ Threatening or abusive behaviour or the use of threatening or abusive language.

Ÿ Non-cooperation or failure to supply any information or documentation we request; or

Refund Of Premium

Ÿ A change in risk occurring which means that we can no longer provide you with insurance cover;

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Cancelling This Insurance You can cancel this insurance at any time by writing to your broker .

We can cancel this insurance by giving you thirty (30) days' notice in writing. We will only do this for a valid reason (examples of valid reasons are as follows):Ÿ Non payment of premium;

If we pay any claim, in whole or in part, then no refund of premium will be allowed.

for which you have been covered. This will be calculated on a proportional basis. For example, if you have been covered for six (6) months, the deduction for the time you have been covered will be half the annual premium.

If you cancel this insurance outside the cooling off period, there will be an additional charge, as tated in the schedule, to cover the administrative cost of providing the insurance.

1. If the benefit for death is not covered and an accident results in your death within twelve (12) months following the date of the accident , then no claim will be payable, other than for temporary total disablement for any applicable period prior to death.

8. Temporary total disablement .

4. Loss of sight in one eye.

6. Loss of sight in one eye and loss of one limb .

7. Permanent total disablement (other than total and irrecoverable

3. Loss of two or more limbs .

loss of sight of one or both eyes or loss of limb(s) ).

2. Loss of one limb .

5. Loss of sight in both eyes.

Temporary Total Disability is only available and provided to those who have opted and selected for this benefit 8 online at application stage. No cover is provided for Temporary Total Disability if this is not selected. Additional it is not provided as an option for policy duration/s of less than six months.

Conditions

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What Is Covered

This section only covers claims which fall within the definition of bodily injury and does not cover any claim caused or contributed to by illness.

Section One

Accident

1. Death

We will pay the benefit shown in the schedule of benefits if you suffer bodily injury during the period of insurance which results in your

What Is Covered

10. For persons under 14 days of age.

4. For general health examinations, and examinations for check-up purposes not incidental to, or necessary to diagnose illness or bodily injury ;

5. For any disability, condition or illness which originated prior to the effective date of this Insurance until a period of 365 days consecutive days has elapsed during which you have neither received nor required any treatment for the said disability, condition or illness;

7. Incurred in your country of domicile;

9. For congenital defects and deformities if you have not reached your third birthday;

6. For pregnancy, childbirth, miscarriage or any disorder of the reproductive system;

8. Incurred more than 12 months after the date the first expense was incurred, or any ontinuing expenses incurred after you are fit to travel to your country of domicile;

1. sustaining bodily injury , or

two – medical expenses in respect of the same bodily injury or illness , the maximum we will pay under both sections combined is USD500,000.

Section Three

What Is Covered

Medical Evacuation And Repatriation Expenses

We will cover medical evacuation and repatriation expenses solely and directly as a result of your :

What Is Covered

2. suffering illness

during the period of insurance which independently of any other cause shall necessitate your medical evacuation or repatriation to your country of domicile.

We will pay up-to a maximum of USD500,000 under this section. Where you are entitled to cover under this section and section

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3. For dental examination, X-rays, extractions, fillings and general dental care; supplying or fitting of eye glasses or hearing aids; except as a result of bodily injury sustained during the period of insurance ;

We will cover medical expenses solely and directly as a result of your : 1. Sustaining bodily injury , or 2. Falling ill during the period of insurance .

What Is Covered

We will pay up-to a maximum of USD500,000 under this section. Where you are entitled to cover under this section and section three – medical evacuation and repatriation expenses in respect of the same accident or illness, the maximum we will pay under both sections combined is USD500,000.

What Is Not Covered

This insurance does not reimburse expenses: 1. For rest cures, sanatorial or custodial care or periods of quarantine or isolation;

2. For cosmetic or plastic surgery unless necessitated by bodily injury sustained during the period of insurance ;

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2. If the benefit for death is covered and an accident results in your death within twelve (12) months following the date of the accident and prior to the definite settlement of the benefit for disablement provided for under items 2 to 7 above, the only benefit payable will be item 1 above.

4. If the benefit for death is covered, this benefit will also be payable in the event of your disappearance. We will only provide this benefit if:

3. Any benefit for permanent total disablement will not become payable before the expiry of twelve (12) months following the date of onset of disability arising from a bodily injury .

b) The person or persons to whom such sum is paid will sign an under taking to refund such sum to us if you are subsequently found to be alive.

a) Your body is not found within twelve (12) months of your disappearance, and sufficient evidence is produced, that leads us inevitably to the conclusion that you have sustained bodily injury and that such injury has caused your death; and

Section Two

Medical Expenses

2. Certifies that you should be evacuated or repatriated because local facilities are inadequate for the treatment of your condition or your recovery will be substantially advanced.

1. Estimates that you are likely to be totally disabled in excess of 4 consecutive weeks; or

Assistance service You must contact the following Assistance Company in the event medical evacuation or repatriation is deemed necessary:

Conditions

We will not make any payment under this section unless you are, prior to the inception date of this insurance, in good health and free from material physical or mental impairment or infirmity and have not suffered from any recurring illness. This exclusion does not apply to any such medical condition disclosed in writing and agreed by us .

What Is Not Covered

We will only cover your medical evacuation and repatriation expenses if the medical practitioner:

Assistance Company………………..

1. Active participation in war, whether war be declared or not, or active participation in hostilities of any act of war or civil war;

3. Nuclear reaction, nuclear radiation or radioactive ontamination;

If we determine that any claim you make under this insurance has been adversely impacted directly by your failure to comply with the above obligation, we may refuse to pay your claim or reduce the amount of any payment we make for the claim.

What Is Not Covered (Applicable To Sections One, Two And Three)

A. This insurance does not cover claims in any way caused or contributed to by:

2. The actual or threatened use of pathogenic or poisonous biological or chemical materials by any person(s), committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public or any section of the public in fear;

4. Your engaging in or taking part in armed forces service or operations;

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10. Your being intoxicated by alcohol or drugs;

7. Venereal disease or Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC) or Human Immuno-deficiency Virus (HIV) howsoever these have been acquired or may be named;

12. A chronic pain syndrome including but not limited to Chronic or Complex Regional Pain Syndrome, or fibromyalgia (a syndrome characterised by chronic pain in the muscles and soft tissues surrounding the joints, fatigue and tenderness at specific sites in the body);

6. Your suicide or attempted suicide or intentional self-injury;

8. Your deliberate exposure to exceptional danger (except in an attempt to save human life);

5. Your engaging in flying of any kind other than as a passenger;

11. Neuroses, psychoneuroses, psychopathies or psychoses, anxiety, stress, fatigue or any other mental or emotional diseases or disorders of any type;

13. Any condition whether diagnosed or not, for which you have sought advice, diagnosis, treatment or counselling or of which you were aware or should have been aware at inception of this insurance or for which you have been treated at any time during the 12 months prior to the inception of this insurance.14 Hazardous pursuits . any injury sustained while taking part in:

a) The following winter sports: free-style skiing, ski jumping, ice hockey, use of bobsleighs or skeletons, repetitive travel in ski run helicopters or any competition. Off piste skiing is only covered if the insured person is accompanied by a suitably experienced guide;

I. Holds the British Sub Aqua Club "Sports Diver" certificate or the Professional Association of Diving Instructors "Open Water" certificate and follows the relevant Club or Association rules and guidelines at all times; or

b) The following scuba diving activities: any unaccompanied dive, any dive involving visits to wrecks or caves, any dive for gain or reward, or any dive below 30 metres. Any other scuba diving activities are only covered if the insured person :

ii. Dives under the constant supervision of a properly licensed diving school and follows their rules and instructions at all times;

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c. Potholing, caving, hang-gliding, parachuting, parascending, paragliding, mountaineering or rock-climbing for which the insured person would normally need to use ropes or guides, bungee jumping, white-water rafting, any kind of race, endurance test or any other activity which is known to carry an increased risk of personal injury;

e. Flying as a pilot or any other aerial activities other than

training;d. Armed forces activities including operations, exercises or

How To Make A Claim

ii. travel by air as a passenger.

i. Flying as a pilot in light aircraft; or

Things You Must Do

You must comply with the obligations set out below. If we determine

B. This insurance will not pay a benefit or any portion of a benefit for disablement arising from the interaction between bodily injury and another medical condition

b) notify your broker .

a) seek the attention of a duly qualified medical practitioner; and

2. You must provide us or our medical adviser with the necessary authorisation to access or obtain all your medical records, notes and correspondence referring to the subject of a claim or a related pre-existing condition. The medical adviser must, for the purpose of reviewing the claim, be allowed to examine you as we consider necessary

that any claim you make under this insurance has been adversely impacted direct ly by your fa i lure to comply with the obligations below, we may refuse to pay your claim or reduce the amount of any payment we make for the claim.

1. In the event of an accident or illness which causes or may cause a claim under this insurance, you must as soon as practicable:

3. You must provide your broker with all information we may reasonably require including a fully completed claim form.

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2. The total sum payable under this insurance in respect of any one (1) or more claims will not exceed in all the largest benefit under any one of the items contained in the schedule of benefits.

How We Deal With Your Claim

When you notify your broker of a claim, we will send you a claim form which you are required to complete and return to us . Once your claim is accepted, we will pay you the amount stated in the relevant section of the schedule of benefits.

1. The maximum benefit period in respect of temporary total disablement will be the benefit period shown in the schedule of benefits following the expiry of the elimination period.

Fraudulent Claims

1. If you make a fraudulent claim under this insurance, we :

a) are not liable to pay the claim; and

b) may recover from you any sums paid by us to you in respect of the claim; and

c) may by notice to you treat this insurance as having been terminated with effect from the time of the fraudulent act.

2. If we exercise our right under clause 1. c) above: a) we shall not be liable to youin respect of a relevant event occurring after the time of the fraudulent act. A relevant event is whatever gives rise to our liability under this insurance (such as the occurrence of a loss, the making of a claim, or the notification of a potential claim); and

b) we need not return any of the premiums paid

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Crisis Response, Kidnap & Ransom Insurance

Crisis ResponseSection 4

b. Timely deployment of a consultant to the location of incident or other agreed location

a. Access to a 24-hour global security centre where a duty officer will provide advice or arrange for an expert consultant to contact the assured at the earliest possible opportunity to provide initial telephone assessment and advice

c. Evacuation advice; where the security environment is deteriorating, guidance as to whether insured persons should stand-fast or look to evacuate; advice will include information on the local situation and on the means and routes for evacuation

d. Identification, selection and training of communicators and intermediaries

g. Liaison services with all interested parties including but not limited to law enforcement, government officials and families of the victim(s)

e. Policy advice on concessions, financial or otherwise, tactics for negotiating under duress, and logistical plans

f. Analysis of communications, options and recommendations for response, and scripting of communicators/intermediaries

Underwriters will meet insured losses sustained by the assured as a direct result of insured events provided that:

3. Any claim by the assured is within the terms, limitations, exclusions and conditions set out below

4. Any claim by the assured is within those specific limits of liability shown in the crisis response policy schedule.

1. The assured has paid the required premium

2. The insured event has commenced within the period of insurance shown in the crisis response policy schedule

Insuring Agreement

Insured losses are:1. The following fees and expenses of control risks’ response following and for the duration of an insured event :

Insured losses

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How To Make A Complaint

Once completed, the form can be submitted to the CIFO by post to; Channel Islands Financial Ombudsman

Once you have received your final response from us, if you are still dissatisfied you may take up your complaint with the Channel Islands Financial Ombudsman (‘CIFO’), by visiting www.ci-fo.org and downloading a claims submission form

Step 1

The relevant party will contact you within five days of receiving your complaint to inform you of what action they will take.

PO Box 114 Jersey, Channel Islands JE4 9QG

Step 2

Our aim is to ensure that all aspects of your insurance are dealt with promptly, efficiently and fairly. At all times we are committed to providing you with the highest standard of service. If you have a complaint in relation to this policy of insurance you should refer your complaint to:

Email: complaints@hotspotcover.com

We will not provide any benefit under this insurance to the extent of providing cover, payment of any claim or the provision of any benefit where doing so would breach any sanction, prohibition or restriction imposed by law or regulation.

You and we are free to choose the law applicable to this insurance. Unless specifically agreed to the contrary this insurance will be governed by the laws of Guernsey and subject to the exclusive jurisdiction of the courts of Guernsey.

Sanctions

Choice Of Law

Rights Of Third Parties

You and we are the only parties to this policy. Any person who is not a party to the policy has no right to enforce any of its terms.

Isosceles PCC Limited - Cell Hotspot is licensed by the Guernsey Financial Services Commission. In any communication, please quote the policy number shown in the schedule. Making a complaint does not affect your right to take legal action.

By email to: complaints@ci-fo.orBy fax to: +44 (0) 1534 747629

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1. Is committed for political, religious, ideological or similar purposes and involves a violent act; or the unlawful use of force or an unlawful act dangerous to human life or tangible property ; and

2. Is carried out by any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s); and 3. Is intended to:

a. Intimidate or coerce a civilian population; or

b. Disrupt any segment of the economy of a government, state or country; or

c. Overthrow, influence, or affect the conduct of any government de jure or de facto by intimidation or coercion; or

d. Affect the conduct of a government by mass destruction, assassination, kidnapping or hostage taking; and

4. Has caused bodily injury or death to or directly affects the safety of an insured person.

c. Fees for emergency medical care incurred within 12 calendar months of the start date of the insured event

e. All other reasonable expenses incurred by an insured person with

d. Costs, fees and expenses of temporary security measures solely and directly for the purpose of protecting an insured person in the country where an insured event has occurred and on the recommendation of Control Risks

Act of terrorism An act of terrorism means an activity that:

underwriters’ prior approval.

Definitions

h. Victim witness de-briefing and rehabilitation support

2. Reasonable costs and expenses necessarily incurred directly as a result of an insured event and which comprise:

a. Fees and expenses of an independent interpreter

b. Cost of repatriation , travel and accommodation on the recommendation of Control Risks

i. Production of post-event analysis and debrief report.

The insured person(s) and their relative(s).Assured

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Connected events

If it is evident that insured events are or were carried out in furtherance one of another, they shall be deemed to be connected and constitute a single insured event .

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Extortion

2. Disseminate, divulge or use confidential information, which is not electronically held. by persons who then demand a ransom from an insured person as a condition of not carrying out such threats.

The making of illegal threats directly to an insured person to:

1. Kill, injure or abduct an insured person ; or

Disappearance

The unexpected disappearance of an insured person for a period exceeding 48 consecutive hours from the last confirmed contact with said insured person .

Hijack

The illegal holding under duress for a period in excess of six consecutive hours of an insured person whist travelling on any airplane, vehicle or watercraft.

Insured Person

Any person named or specified in the crisis response policy schedule.

The illegal actual or alleged taking, in the territory specified in the schedule, and holding captive of an insured person by persons who then demand specifically from assets of an insured person a ransom as a condition of their release.

The period of time from the inception date to the expiry date specified in the crisis response policy schedule.

Permanent country of residence

The country in which the insured person has their principal place of residence and in which country the insured person has been resident in for at least six of the 12 calendar months prior to commencement of travel.

Period of Insurance

Kidnap/Kidnapped

Political Threat

Political and/or military events that expose an insured person to clear and imminent danger of physical harm.Property

Buildings (including fixtures, fittings, works of art and other contents), plant and equipment, fixed or mobile, (including vessels and aircraft) bloodstock and livestock owned or leased by an insured person, for which the insured person is legally liable.

Offence made solely and directly to achieve a political, propaganda, or coercive effect upon or at the expense of the insured person or the country of which they are a national.

1. When the insured event has occurred, or is believed to have occurred, the assured must:

a. Inform underwriters and control risks and provide whatever information is required as soon as is practicable and inform or allow control risks to inform the appropriate authorities responsible for law enforcement in the country where an insured event has occurred of the ransom demand as soon as is practicable having regard to the personal safety of the victim

b. Before agreeing to the payment of any ransom , make every reasonable effort to determine that the insured event has actually occurred and is not a hoax.

Cash and/or marketable goods, property , monetary instruments or securities surrendered by an insured person or on their behalf to meet a kidnap , extortion or hijack demand.

The holding under duress of an insured person for whatever reason, irrespective of whether such holding under duress is by legal governmental authorities in the place of custody or by others. If held by legal government authorities the detention must be the result of malicious and false accusations against the insured person of a criminal

Wrongful Detention

ConditionsRansom

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Spouse or domestic partner, mother, mother-in-law, father, father-in-law, daughter, daughter-in-law, son, son-in-law, (including legally adopted daughter or son), brother, brother-in-law, sister, sister-in-law, grandfather, grandmother, grandson, granddaughter or fiancé(e).

Relative

RepatriationThe return of an insured person to their permanent country of residence , or in the event of their death, the return of their remains.

8. The assured has the right to cancel up to 14 days from the date the assured receives the policy document at the start of the insurance. Should the assured decide to exercise this cancellation right, the assured will be entitled to a refund of premium provided that the assured has not started a trip to which the insurance applies and the assured has not made or intends to make a claim. Following the expiry of this 14-day cancellation period the assured continues to have the right to cancel the policy at any time during its term by contacting the underwriters, but no refund of premium will be available.

7. This insurance may be cancelled by underwriters solely if the assured fails to pay the required premium. In such an event, underwriters will send or will instruct others to send written notice of not less than 30 days of the effective date of cancellation, and any premium payable will be calculated on a pro rata basis.

9. No assignment of the insured person’s interest hereunder shall be binding on underwriters.

6. The assured may comprise or include more than one person, company or other legal entity. If more than one entity is named in the schedule, only the first named will have any right to receive or nominate others to receive payment of any claim.

3. The assured and insured person(s) must at all times use best efforts to ensure that knowledge of the existence of this insurance is restricted as far as possible.

5. Underwriters’ liability hereunder shall in all cases be limited to the amount shown in the schedule. Specifically, but without limiting the generality of the foregoing, underwriters’ liability shall not be increased because:

B. Before agreeing to the payment of any ransom , make every reasonable effort to determine that the insured event has actually occurred and is not a hoax.

4. The assured must provide all necessary evidence and complete, sign or seal all papers required by underwriters to recover compensation or secure an indemnity from any third party in respect of any loss or damages. If underwriters instigate proceedings in the assured’s name or in the name of the insured person , any monies thus received will belong to underwriters.

A. Of renewal of this policy. Underwriters’ liability shall not be cumulative from one period of insurance to another

B. Of any other reason whatsoever.

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underwriters are deliberately or recklessly given false information,underwriters will treat this insurance as if it never existed and decline all claims. If the assured acted carelessly when giving underwriters information several things could happen:

A. If underwriters provided insurance cover that underwriters would not otherwise have offered, underwriters will treat this insurance as if it had never existed. If this happens, underwriters will give back the premium

B. If underwriters would have insured the assured on different terms, underwriters will amend this insurance retrospectively and apply these amended terms to the claim

C. If underwriters would have charged more premium, underwriters will proportionately reduce the amount of any claim payment. If any of these remedies are prohibited or made void by the law governing this insurance, underwriters’ remedies shall be deemed to be amended so as to be those permitted by such law.

5. To the extent permitted by the law governing this insurance, if a false claim is made, underwriters can refuse to pay it, or can treat this insurance as if it never existed. If any of these remedies are prohibited or made void by the law governing this insurance, underwriters’ remedies shall be deemed to be amended so as to be those permitted by such law.

11. The construction, validity and performance of this insurance will be governed by and construed in accordance with the law of guernsey, and each party agrees to the exclusive jurisdiction of the courts of guernsey.

13. All amounts shown in this policy are in currency shown on the crisis response policy schedule. Losses will be adjusted and paid in the same currency, unless directed otherwise by the assured . In the event of a loss adjustment involving currency conversion, the exchange selling rate will be calculated using the rate of exchange published in the financial times on the date of settlement. If the financial times was not published on the stipulated date, the rate of exchange will be as published on the next business day.

12. Failure by underwriters to exercise or enforce any right hereunder will not be deemed to be a waiver of such rights nor operate so as to bar the exercise or enforcement thereof at any time thereafter.

10. Notice to any agent or knowledge possessed by any agent or by any other person shall not effect a waiver or a change in any part of this policy, or prevent underwriters from asserting any right under this policy, nor shall the terms of this policy be waived or changed except by endorsement to form part of this policy.

14. To the extent permitted by the law governing this insurance, if the

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5. Any insured event occurring within the permanent country of residence

3. Any kidnap, hijack or wrongful detention of an insured person by a relative or as a result of a domestic dispute

4. Any wrongful detention which is for a period of less than six consecutive hours

6. Failure of an insured person to properly procure or maintain immigration, work, residence or similar visas, permits or other documentation

8. Medical reasons including but not limited to epidemic or pandemic

7. Nuclear reaction, nuclear radiation or radioactive contamination

9. Natural disasters including but not limited to earthquake, flood, fire, famine, volcanic eruption or windstorm.

Exclusions

16. Underwriters shall not be deemed to provide cover and underwriters shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose underwriters to any sanction, prohibition or restriction under united nations resolutions or the trade or economic sanctions, laws or regulations of the european union, united kingdom or united states of america.

Underwriters will not accept liability for a series of connected events the first of which began before the period of insurance specified in the crisis response policy schedule. Underwriters will not be liable in respect of any losses which are, or but for this insurance would be, covered under any other insurance, save in excess of such other insurance. Furthermore, underwriters will not be liable in respect of any losses caused by, arising from or attributable to any of the following:

1. No cover is provided under this policy for ransom or losses Caused by or arising from or attributable to any actual or attempted payment made by the assured or an insured person in response to a ransom demand

2. Any fraudulent, or criminal act of an insured person or the assured whether acting alone or in collusion with others

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Notice to the assured

The assured and underwriters are free to choose the law applying to this insurance contract. Unless specifically agreed to the contrary, this insurance shall be subject to Guernsey law. The language used in this insurance and any communications relating to it will be English.

If an insured event occurs or is believed to have occurred Control Risks should be contacted on the following international telephone number: +44 (0)20 7939 8900 (24-hour). From the United States this number becomes 011 44 20 7939 8900. If you are calling from the United States and are unable to dial international numbers, call 1 800 831 1985 – there may be a short delay before this number activates.

(including but not limited to insurance carriers, third-party claims adjusters/loss adjusters, solicitors, fraud detection and prevention services, reinsurance companies and insurance regulatory authorities) in performing the purposes. They may also need to process sensitive personal data about you where this is necessary (for example, physical or mental health conditions or criminal convictions in connection with both you and members of your family or household). Where sensitive personal information relates to anyone other than you, you must obtain the explicit consent of the person to whom the information relates, both to the disclosure of such information to the data recipients and to its use for the purposes. In the unlikely event of processing outside the European Economic Area (EEA), you agree to the transfer of your personal information to a country or territory outside the EEA (which may not provide the same protection for you). In the future, Hiscox Insurance Company Limited and its group companies may sell their business(es) or assets. Personal information is usually considered an asset in such transactions and you agree that your information may be sold, traded or licensed in such circumstances. Hiscox Insurance Company Limited is registered on the Data Protection Register under number Z6445902 and your information will be treated in compliance with the Data Protection Act 1998. Please see the Information Commissioner ’s website at www.dataprotection.gov.uk for more information on the Data Protection Act and the Information Commissioner.

Section 5 Kidnap & Ransom Reimbursement

This extension is subject to the definitions, conditions and exclusions of the crisis response insurance policy wording and to the particular exclusions, terms and conditions appearing below.

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Benefit TableCoverage Policy Limit

Crisis Response USD

Response costs following wrongful detention or kidnap $250,000 Per event

Additional expenses $15,000 Overall

Ransom $250,000 Overall

International phone: +44 1534 748610 In any communication, please quote the policy/certificate number shown in the schedule. If you have purchased your policy online you can also make a complaint via the EU’s online dispute resolution (ODR) platform. The website for the ODR platform is: http://ec.europa.eu/odr .

Complaints procedure

Step 1

Email: complaints@hotspotcover.comThe relevant party will contact you within five days of receiving your complaint to inform you of what action they will take.

Step 2 If the assured is not satisfied with the way their complaint has been dealt with, the assured may ask the Ombudsman to review their case without affecting their legal rights. The address is:

Channel Islands Financial Ombudsman (CIFO)

Channel Islands

E-mail: enquiries@ci-fo.org

P O Box 114 Jersey,

Website : http://www.ci-fo.org

JE4 9QG

Phone: 01481 722218 Guernsey local

Phone: 01534 748610 Jersey local

Data protection By accepting this policy, the assured agrees that any data provided by the assured in this form or otherwise in connection with this proposal or resulting insurance may be used exclusively by Hiscox Insurance Company (Guernsey) Limited, its group companies and/or their brokers or third-party service providers (collectively referred to as ‘data recipients’) in performing their obligations to the assured and providing you with ancillary services, (‘the purposes’). The purposes include, but are not limited to: analysing the assured’s particular insurance needs; providing insurance estimate(s) or quotations(s) and/or arranging insurance cover; handling and investigating claims and assisting in the claims authorisation process; accounting; for any purpose required by law; and for evaluating the Hiscox business/market research; both during your policy and after it has lapsed. We may carry out a credit check search for the purposes of assessing this insurance and any future renewal and to verify your identity. These enquiries will be recorded by the credit reference agency but will not affect your credit rating. The data recipients may need to give details to third parties

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1. when requesting the reimbursement hereunder of a ransom, be able to c. demonstrate that such ransom had been surrendered under duress.

The underwriters agree to indemnify the assured up to USD 150,000 in respect of the following insured losses occurring during the period of insurance, subject to the following terms, conditions, exclusions and definitions:

1. Underwriters shall be liable in the event of a kidnap in respect of ransom only.

Exclusions For the purposes of this extension the following exclusion is completely deleted:

For the purposes of this extension the following exclusions are added:

2. no cover is provided under this policy for ransom or losses caused by or arising from or attributable to any actual or attempted payment made by the assured or an insured person in response to a ransom demand

10. (Off premises robbery exclusion) The deliberate surrender of a ransom in any face to face encounter unless the ransom is being conveyed for the sole purpose of paying a previously communicated ransom demand.

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Insured losses 11. (On premises robbery exclusion) The payment of a ransom either at the kidnap location of one or more insured persons or where the extortion demand is first made, unless a ransom demand has already been received prior to bringing the ransom to that location.

Conditions For the purposes of this extension the following condition is added: