Wintersports Policy Details
Provided at no additional premium under the Annual Multi-Trip Policy (21 days per policy year) and the Wintersports Policy (Maximum duration 45 days). Otherwise, cover under these sections only applies when an additional Wintersports endorsement premium is paid. In accordance with the above, cover under Sections 1-9 (see your policy wording) is extended to cover Wintersports and in addition the following five Sections are included.
Wintersports is defined as: On-Piste & Off-Piste Skiing and Snowboarding (with a leash) except in areas designated as unsafe by resort management; Recreational Racing; Mono Skiing; Guided Cross Country Skiing; Snow Mobiling; Tobogganing and Ice Skating. All activities must be conducted within local safety guidelines & the correct safety equipment must be carried at all times in respect of each particular activity. Off-piste activities must be restricted to recognised areas and You must ensure Your whereabouts are known to third parties. In no event will Wintersports be considered to extend to the following activities: Ski Jumping; Ski Flying; Heli-Skiing; Ski Acrobatics; Ski Stunting; Freestyle Skiing; On-Piste & Off-Piste Skiing in areas designated unsafe by resort management; Ski Racing & Training; Ski Bob Racing; Parapenting; Ice Hockey and the use of Skeletons and Bobsleighs.
Winter Sports Equipment (Section 10) We shall reimburse You, up to the maximum limit specified in the Schedule of Cover, in respect of the accidental loss of or theft of or damage to snowboards, skis, bindings, boots or poles, subject to a Single Item limit as specified. There is an overall limit in respect of hired equipment as specified in the Schedule of Cover.
Please note: Claims for owned wintersports equipment will only be calculated as follows: Up to 12 months old -90% of the purchase price.
Up to 24 months old -70%
Up to 36 months old -50% Up to 48 months old -30% Up to 60 months old -20%
Over 60 months old - 0% Section 10 Excludes
We will not pay for claims arising from:
1. accidental loss of or theft of or damage to property left unattended other than whilst: (a) in Your locked accommodation. (b) in a locked boot or locked and covered luggage compartment of a motor vehicle provided that:
(i) there is evidence of forcible and violent entry to such vehicle. (ii) no cover shall apply in respect of property in vehicles left unattended at any time between the hours of 10 pm and 8 am.
2. loss of or damage to any article or goods on roof racks: (a) by weather conditions resulting from the failure to protect items.
(b) by theft or malicious persons while the vehicle is unattended unless the rack was locked and secure and there is evidence of forcible entry before 10pm. and after 8 am. 3. damaged wintersports equipment owned by You not returned to the United Kingdom for inspection.
4. wintersports equipment used by persons for whom it was not designed. 5. any loss, theft or suspected theft unless You inform the Police and obtain a written report.
6. accidental loss of or theft of or damage to property whilst in the custody of an airline or other carrier, unless reported immediately on discovery. In the case of an airline, a Property Irregularity Report must be obtained. 7. the applicable excess as stated in the Schedule of Cover.
Ski Hire (Section 11) We shall reimburse You, up to the maximum limit specified in the Schedule of Cover, in respect of the reasonable costs of hiring snowboards, skis, bindings, boots or poles as a result of the accidental loss or theft or damage (or temporary loss in transit for more than 12 hours) of Your own equipment during the Period of Insurance.
Section 11 Excludes
We will not pay for claims arising from:
1. accidental loss of or theft of or damage to property left unattended other than whilst: (a) in Your locked accommodation.
(b) in a locked boot or locked and covered luggage compartment of a motor vehicle provided that: (i) there is evidence of forcible and violent entry to such vehicle.
(ii) no cover shall apply in respect of property in vehicles left unattended at any time between the hours of 10 pm and 8 am.
2. loss of or damage to any article or goods on roof racks (a) by weather conditions resulting from the failure to protect items.
(b) by theft or malicious persons while the vehicle is unattended unless the rack was locked and secure and there is evidence of forcible entry before 10pm. and after 8 am. 3. damaged wintersports equipment owned by You not returned to the United Kingdom for inspection.
4. wintersports equipment used by persons for whom it was not designed. 5. any loss, theft or suspected theft unless You inform the Police and obtain a written report.
6. accidental loss of or theft of or damage to property whilst in the custody of an airline or other carrier, unless reported immediately on discovery. In the case of an airline, a Property Irregularity Report must be obtained. Ski Pack (Section 12)
We shall reimburse You, up to the maximum limit specified in the Schedule of Cover, in respect of the proportionate loss of irrecoverable ski pack costs paid or contracted to be paid prior to the Journey/Holiday as a result of You becoming ill or sustaining personal injury during the Period of Insurance and certified by a Medical Practitioner as being unable to ski and a written report obtained. Definition: Ski Pack shall consist of pre-booked lift passes, hired skis or snowboards, bindings, boots and ski school fees.
Section 12 Excludes We will not pay for :
1.claims where a written report has not been obtained from a Medical Practitioner. Piste Closure (Section 13)
In the event that, due to lack of snow fall or adverse weather in the pre-booked Wintersports resort between the months of December and March (April to August in the Southern Hemisphere) and no alternative being available, You are not allowed to ski for a period in excess of 12 hours, We will pay You the benefit as specified in the Schedule of Cover for each full 24 hour period during which You are unab le to ski, up to the maximum limit as specified. Section 13 Excludes
We will not pay for :
1. claims arising which are not substantiated by a report from the resort management. 2. claims arising due to lack of snow fall in a Wintersports resort which does not possess skiing facilities above 1,000 metres.
Delay due to Avalanche (Section 14) We will reimburse You, up to the maximum limit as specified in the Schedule of Cover, for additional travel and accommodation expenses in the event that Your outward or return Journey is delayed by at least 12 hours beyond the scheduled departure time as a direct result of avalanche.
Section 14 Excludes We will not pay for :
1. claims arising which are not substantiated by a report from the resort management.
2. the applicable excess as stated in the Schedule of Cover.