2.  TRAVEL INCONVENIENCE PACKAGE

Applicable in connection with Scheduled Flights only.

This certificate provides details of insurance cover arranged by American Express Services Europe Ltd for the benefit of American Express Sterling billed Cardmembers with ACE Insurance S.A.-N.V (The Company) under the relevant Master Policies. (Wherever mentioned, the United Kingdom means anywhere within the legal jurisdiction of England, Wales, Scotland, Northern Ireland, The Channel Islands or The Isle of Man.)

2.1  ELIGIBILITY
The Travel Inconvenience Package applies to American Express sterling billed Cardmembers who are eligible for cover under Master Policy No 51 UK 400124 issued by ACE Insurance S.A.-N.V. Each eligible Cardmember shall be an Insured Person while taking a trip on a Scheduled Flight, the fare for travel on such flight having been charged in full to an American Express Card account in advance of the scheduled departure time.

2.2  SCHEDULED FLIGHTS
A 'Scheduled Flight' means a flight in an aircraft operated by an air carrier, provided that such air carrier holds certificate, licence or similar authorisation for scheduled air transportation issued by the relevant authorities in the country in which the aircraft is registered and in accordance with such authorisation, maintains and publishes schedules and tariffs for passenger service between named airports at regular and specific times; such flight is regularly and continually flown on routes and at times as published in the OAG World Airways Guide or similar publication as amended from time to time. Departure times, transfer and destination points will be established by reference to the Insured Person's Scheduled Flight ticket.

2.3  COVER

2.3.1 DELAYED FLIGHT DEPARTURE AND FLIGHT CANCELLATION
If departure of an Insured Person's confirmed Scheduled Flight from any airport is delayed for four hours or more, or cancelled, and no alternative transportation is made available to the Insured Person within four hours of the scheduled departure time of such flight, the Company will indemnify the Insured Person for American Express Card account charges incurred, prior to the actual departure, in respect of restaurant meals and refreshments consumed and/or hotel accommodation used during the period of delay up to £100.

2.3.2  INVOLUNTARY DENIAL OF BOARDING
(Effective for travel from 1st September 2000)

In the event that the Insured Person has checked in or attempted to check in for a confirmed Scheduled Flight, within the published check-in times, and is involuntarily denied boarding as a result of overbooking, the Company will indemnify the Insured Person for American Express Card account charges incurred, between the Scheduled Flight departure time and the Insured Person's actual departure, in respect of restaurant meals and refreshments consumed of up to £100. If the Insured Person is delayed for more than six hours the Company will indemnify the Insured Person for American Express Card account charges up to a further £300, incurred in respect of hotel services (including accommodation), used, within 30 hours of the Scheduled Flight departure time, and before the Insured Person's actual departure. Such indemnity is subject to a total liability for five events per Insured Person in any one 12-month period.

2.3.3  MISSED CONNECTIONS
If the Insured Person's confirmed onward connecting Scheduled Flight is missed at the transfer point due to the late arrival of the Insured Person's incoming confirmed connecting Scheduled Flight and no alternative onward transportation is made available to the Insured Person within four hours of the actual arrival time of his or her incoming flight, the Company will indemnify the Insured Person for American Express Card account charges incurred, prior to actual departure, in respect of restaurant meals and refreshments consumed and/or hotel accommodation used up to £100.

2.3.4  LUGGAGE DELAY
If the Insured Person's accompanied checked-in luggage is not delivered to him or her within six hours of the Insured Person's arrival at the scheduled destination point of his or her flight, the Company will indemnify the Insured Person for American Express Card account charges incurred at such scheduled destination in respect of the emergency purchase of essential clothing and toiletries up to £500. Items must be purchased within 48 hours or prior to the return of the luggage, whichever is the sooner.

2.3.5  LUGGAGE LOSS
A further allowance is provided if the Insured Person's accompanied checked-in luggage has not been delivered to him or her within 48 hours of the Insured Person's arrival at the scheduled destination point of his or her flight. The Company will indemnify the Insured Person for American Express Card account charges incurred after the initial 48 hours and within a further 48 hours (96 hours in all) in respect of the emergency purchase of essential clothing and toiletries up to £750, providing such charges are incurred prior to the return of the luggage.

2.4  EXCLUSIONS
This insurance does not cover:

1. any expenses or purchases not billed to an American Express Card account;

2. where checked-in luggage is delayed or lost on flight(s) returning the Insured Person to the place of domicile;

3. charges incurred outside the specified hours of 2.3.4 LUGGAGE DELAY and 2.3.5 LUGGAGE LOSS;

4. Under sections 2.3.1 DELAYED FLIGHT DEPARTURE and 2.3.3 MISSED CONNECTIONS any items purchased Duty Free;

5. Any additional cost incurred under sections 2.3.1 DELAYED FLIGHT DEPARTURE and 2.3.3 MISSED CONNECTIONS in respect of telephone charges or alternative travel;

6. confiscation or requisition by customs or other government authority;

7. failure to take reasonable measures to save or recover lost luggage;

8. failure to notify relevant airline authorities of missing luggage at the destination point and to obtain a Property Irregularity Report.

9. Under 2.3.2 INVOLUNTARY DENIAL OF BOARDING, events where the Insured Person voluntarily accepts compensation from the air carrier in exchange for not boarding

2.  All information and evidence required by the Company or its agents shall be furnished at the expense of the Insured Person or his or her personal representative(s) and shall be in such form and of such nature as the Company may prescribe.

3.  The following information must be supplied in support of any claim:

1. the American Express Card account receipts or itinerary schedule verifying the relevant scheduled flight ticket(s) were charged to an American Express Card account;

2. in respect of lost or delayed luggage, the Property Irregularity Report obtained from the airline;

3. copy of the Scheduled Flight ticket;

4. written confirmation of the flight delay, flight cancellation or missed connection from the carrier;

5. American Express Card account receipts for all expenses.

2.6  INDEMNITY LIMITATIONS
Duplicate or multiple American Express Cards shall not obligate the Company in excess of the limits stated for expenses incurred by any one individual Insured Person as a result of any one incident covered under the Master Policy No 51 UK 400124. In the event that a Basic Cardmember is accompanied by one or more Supplementary Cardmembers under the same American Express Card account, the maximum benefits stated here are shared between the Cardmember and the Supplementary Cardmembers.