Winter Sports Cover Option

What is covered

• Owned and Hired Ski Equipment
• Hiring Replacement Ski Equipment
• Lift Pass
• Piste Closure
• Avalanche Cover

SECTION 8 – WINTER SPORTS

NOTE: Section 8 only applies if You have opted to purchase the Winter Sports Extension and it is shown in Your Schedule of Insurance.

SECTION 8.1 – Owned and Hired Ski Equipment

What is covered

In addition to Section 4, Baggage and Personal Effects, We will pay up to the sum insured shown in the Your Schedule of Insurance for theft or Accidental damage to Your Ski Equipment which You have taken on the Trip or hired Ski Equipment for which You are responsible.

What is not covered

In addition to the General Conditions and Exclusions shown in Your Policy Wording:

1. the Excess amount shown in Your Schedule of Insurance.

2. more than £/€ 200 for any single article or pair.

3. claims arising from loss, theft or attempted theft or damage to Ski Equipment left unattended and/or out of Your sight unless it is securely locked in a building.

4. any Accidental damage whilst Your Ski Equipment is in use.

SECTION 8.2 – Hiring Replacement Ski Equipment

What is covered

We will pay up to the sum insured shown in Your Schedule of Insurance per day to a maximum of the sum insured shown in the Your Schedule of Insurance for the hiring of replacement equipment if Your Ski Equipment is lost or damaged or delayed for more than 12 hours, during Your outward or onward Trip.

What is not covered

In addition to the General Conditions and Exclusions shown in Your Policy Wording:

1. any claim not supported by a written report from the carrier responsible for the delay or damage to Your Ski Equipment.

SECTION 8.3 – Lift Pass

What is covered

We will pay up to the sum insured shown in Your Schedule of Insurance in respect of any unexpired period of Your lift pass (based on a pro-rata calculation on the original value of the lift pass), following Your Bodily Injury or should Your lift pass be lost or stolen which is confirmed by a Police report.

What is not covered

In addition to the General Conditions and Exclusions shown in Your Policy Wording:

1. the Excess amount shown in Your Schedule of Insurance.

SECTION 8.4 – Piste Closure

What is covered

If all lifts in Your pre-booked ski resort are closed due to a lack of snow which means You have to travel to an alternative resort for skiing, We will pay up to the sum insured shown in Your Schedule of Insurance per day to a maximum of the sum insured shown in Your Schedule of Insurance for one of the following:

8.4.1 travel costs to the nearest available ski resort; or
8.4.2 the extra cost of acquiring a new or extended ski pass.

If all lifts in Your pre-booked ski resort are closed due to lack of snow and You are unable to ski at a different resort, We will pay up to a maximum of the sum insured shown in the Your Schedule of Insurance.

What is not covered

In addition to the General Conditions and Exclusions shown in Your Policy Wording:

1. any claim not supported by a written statement from the management of the resort confirming the reason for the piste closure and the duration of the piste closure.
2. any costs incurred due to lack of snow at ski resorts less than 1,000 metres above sea level.
3. any claim where the piste closure was public knowledge prior to the booking of Your Trip.

SECTION 8.5 – Avalanche cover

What is covered

We will pay up to the sum insured shown in Your Schedule of Insurance for necessary and reasonable extra travelling and accommodation expenses if Your arrival or departure from Your pre-booked ski resort is delayed by more than 12 hours due to an avalanche.

What is not covered

In addition to the General Conditions and Exclusions shown in Your Policy Wording:

1. the Excess amount shown in Your Schedule of Insurance.
2. any costs incurred at ski resorts due to avalanche at less than 1,000 metres above sea level.