The following conditions apply to the whole of your policy. Please read these carefully as we can only pay your claim if you meet these:


You are a resident of the UAE:

1. You take reasonable care to protect yourself and your property against accident, injury, loss and damage and act as if you are not insured and to minimise any potential claim.
2. You purchase your event ticket through Ticketmaster in U.A.E.
3. You accept that we will not extend the period of insurance beyond the event date, unless the event has been postponed and you still intend to go on the rescheduled date. This extension will only apply if you have not recovered costs from either Ticketmaster or the event organiser.
4. You contact us as soon as possible with full details of anything which may result in a claim and give us all the information we ask for. Please see section ‘Making a claim’ for more information.
5. You accept that no alterations to the terms and conditions of the policy apply, unless we confirm them in writing to you.

We have the right to do the following:

1. Cancel the policy if you do not tell us about a relevant fact or if you tell us something that is not true, which influences our decision as to whether cover can be offered or not. A full premium refund will be given and depending on the circumstances we may report the matter to the police.
2. Cancel the policy and make no payment if you make a fraudulent claim. We may in these instances report the matter to the police.
3. Take over and deal with, in your name, any claim you make under this policy.
4. Take legal action in your name (but at our expense) and ask you to give us details and fill in any forms, which will help us to recover any payment we have made under this policy.
5. With your or your personal representatives permission, get information from your medical records to help us or our representatives deal with any claim. This could include a request for you to be medically examined or for a postmortem to be carried out in the event of your death. We will not give personal information about you to any other organisation without your specific agreement.
6. Only refund or transfer your premium if you decide that the policy does not meet your needs and you have contacted us within 14 days from the date you receive your policy and confirmation email. We can recover all costs that you have made a claim or intend to make a claim.
7. Not to pay any claim on this policy for any amounts covered by insurance. In these circumstances we will only pay our share of the claim.
8. Ask you to pay us back any amounts that we have paid to you which are not covered by this policy.