I bought some holiday insurance earlier on this evening, and noticed that three pages of the policy terms and conditions are taken up with definitions of words. Clearly there must have been problems with claims in the past, so the company is trying to avoid arguments with policy-holders in future. They are certainly right to include the definitions, because some definitions are not what you might expect. I compared them with the definitions in the one-volume Oxford Dictionary of English (ODE).
A relative is, according to the ODE, a person connected by blood or marriage. There is not an entry for close relative in the dictionary, but a close relative can be a huge number of people, according to the insurance company - parent of one's fiance or partner, foster child and legal guardian, eg.
A domestic pet, according to the insurance document, is only a cat or dog (and it must be owned by the insured person). The ODE's definition of pet is 'a domestic or tamed animal or bird...' and the sentence used to illustrate the word is 'the pony was a family pet'.
Any kind of professional sporting activity is hazardous in the eyes of the insurance company, as is any kind of work except for clerical work, bar work and waiting/waitressing. Hazardous, therefore, seems to be more than just plain dangerous.
Home country isn't a separate entry in the ODE, but for insurance purposes your home country is the country where you are registered for income tax.
Mugging, according to the insurance company, is a violent attack with a view to theft, and is made by person(s) not previously known to you. The dictionary agrees regarding violent attack and theft, but makes no mention of whether the mugger should be a stranger or not. Moreover, the dictionary specifies that mugging takes place in a public place.
If you leave your suitcase in a manned left-luggage office, would you regard your bag as 'unattended'? Possibly not, but it would be unattended according to the insurance company's definition. Unattended means that 'you' do not have full view of your property.
I hope I won't need to make a claim because of terrorism, because the company's definition of that is extremely complex. The ODE's is fairly clear: "the use of violence and intimidation in the pursuit of political aims". It is obviously too vague for the insurers. Here is their definition of terrorism: "an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or governments, committed for political, religious, ideological or similar purposes including the intention to influence any government and/or put the public, or any section of the public, in fear".