1. In the event of any claim the liability of the Company shall be conditional on  the Insured claiming indemnity or benefit having complied with and continuing to comply with the terms of this Policy.

2. In the event of a claim under this Policy the Insured shall;

a) Take all reasonable precautions to minimize the loss.

b) As soon as possible telephone the Company to notify the claim stating the Benefits required.

c) Freely provide the Company with all relevant information.

d) Make no admission of liability or offer promise or payment of any kind.

Gulf Assist Contact Details:

Telephone number for assistance (24/7 days): 00 (973) 17 21 88 99

Fax: 00 (973) 17 21 51 77

E-mail: gulfasst@batelco.com.bh

3. The Company is not liable in respect of any Benefit which would otherwise be payable under this Policy should there be another insurance in force covering the same benefits which predates this Policy.

4. The Company will not reimburse or consider reimbursing any expenses which where not previously approved.

Previously approved expenses will have to include the claim number obtained from Gulf Assist prior to send the official receipts, and letter explaining the reason and circumstances of why the Travel Assistance Services for which expenses are claimed were not obtained from Gulf Assist directly.

GENERAL EXCLUSIONS

1. On a general basis for all the guarantees and coverage, the consequences of the following are excluded from the guarantee object of this Agreement:

a) Those caused directly or indirectly by the bad faith of the Insured, by his/her participation in criminal acts, or as a result of his/her fraudulent, seriously negligent or reckless actions.  The consequences of the actions of the Insured in a state of derangement or under psychiatric treatment are not covered either.

b) Extraordinary natural phenomena such as floods, earthquakes, landslides, volcanic eruptions, atypical cyclonic storms, falling objects from space and aerolites, and in general any extraordinary atmospheric, meteorological, seismic or geological phenomenon.

c) Events arising from terrorism, mutiny or crowd disturbances.

d) Events or actions of the Armed Forces or Security Forces in peacetime.

e) Wars, with or without prior declaration, and any conflicts or international interventions using force or duress.

f)Those derived from radioactive nuclear energy.

g)Those caused when the Insured takes part in bets, challenges or brawls, save in the case of legitimate defence or necessity.

h)Illness or injuries existing prior to the claim.

i) Unless expressly included in the Private or Special Conditions and subject to payment of the relevant surcharge premium.

j) Those that occur as a result of the participation by the Insured in competitions, sports, and preparatory or training tests.

k) Engaging in the following sports: motor racing or motorcycle racing in any of its modes, big game hunting outside European territory, underwater diving using artificial lung, navigation in international waters in craft not intended for the public transport of passengers, horse riding, climbing, pot holing, boxing, wrestling in any of its modes, martial arts, parachuting, hot air ballooning, free falling, gliding and, in general, any sport or recreational activity that is notoriously dangerous.

l) Participation in competitions or tournaments organised by sporting federations or similar organisations.

m) Skiing and/or similar sports, unless coverage for it has been expressly agreed.

n) The use, as a passenger or crew, of means of air navigation not authorised for the public transport of travellers, as well as helicopters.

o) The accidents deemed legally to be work or labour accidents, consequence of a risk inherent to the work performed by the Insured.