WHAT YOU ARE COVERED FOR

If your trip is cancelled; up to £5,000

We will repay you for expenses you have paid or legally have to pay for travel, accommodation and fees for instruction/guiding or courses/tours forming a part of the trip which you do not use if you have no choice but to cancel the trip because of events beyond your control happening after the premium has been paid.

Note: For single trip cover, cancellation insurance starts on the date of issue shown on your Insurance Schedule. For annual multi-trip cover, each trip is covered when you book it or from the start date shown on your Insurance Schedule, whichever is the later.

If your trip is cut short; up to £5,000

You will be covered for expenses you have paid or legally have to pay for travel and accommodation and fees for instruction/guiding or courses/tours forming a part of the trip which you do not use if you have no choice but to cut short the holiday and you return home for one of the reasons given below.

1. One of the following people is injured, falls ill or dies:

1. you or the person you had arranged to travel or stay with;
2. a close relative; or
3. a business associate.

2. Your home is damaged and not fit to live in, or the police ask you to return because your home has been burgled.

Delay; up to £250 (£5000 for cancellation)

If the transport you are booked to travel on for your outward or return journey is cancelled or delayed for reasons which you (or the tour operator) cannot control, you will receive one of the following:

1. Compensation of £25 for each full 12 hour period that you are delayed, up to a limit of £250. We will work out the length of the delay based on the difference between your scheduled time of arrival and your actual arrival time at your final destination.

2. Your cancellation charges up to £5,000 if, after 12 hours delay to your outward journey departure from the British Isles, you decide to cancel the trip.

Missed departure (extra travel & accommodation expenses); up to £1000

If one of the following takes place during the period of insurance you will be covered for the cost of reasonable extra accommodation and travel expenses to allow you to carry on with your trip

1. Labour dispute, civil disturbance, mechanical breakdown or bad weather which interrupts your scheduled public transport services including booked connecting flights.

2. An accident or breakdown which causes you to arrive at the airport, port or station you are leaving from too late to start the journey you have booked.

3. Avalanche or danger preventing exit from a ski resort which delays departure for your return home.

Kidnap and Hijack cover:

If during the period of insurance you are kidnapped or your scheduled transport is hijacked and you are detained against your will for a period of more than 24 hours you can claim £500 for each 24 hour period you are detained up to £5,000 in total.

Catastrophy cover; up to £500

If during the period of insurance you are prevented from using your accommodation because of fire, flood, earthquake, you will be covered for the reasonable extra cost of accommodation and travel, to move to other accommodation.

Applicable to Snowcard.wintersports cover only: Piste closure; up to £500

Piste closure is only available for holidays starting after the 10^th of December and ending before the 30^th of April. If the weather prevents skiing at the resort you are booked into, you will be covered for the reasonable transport costs to take you to a different resort and for the cost of a lift pass there. If it is not possible to arrange transport to a different resort, you will receive £30 for each whole day’s skiing lost.

As well as the general conditions, the following exclusions and conditions apply for piste closure:

EXCLUSIONS FOR PISTE CLOSURE
1. You will not be covered for any amount you can get back from someone or somewhere else.

2. You will not be covered if you take out this insurance within 14 days of going on your trip, unless you booked the trip at the same time (or for annual cover, at the time of booking any trip).

3. You will not be covered if the weather prevents ski racing, training or competition.

4. You will not be covered for holidays within the United Kingdom.

CONDITIONS FOR PISTE CLOSURE
1. Cover will only apply for as long as there are poor snow conditions at your resort.

2. You must get written confirmation from the appropriate authority to confirm that the piste was closed or that it was not possible to travel to another resort.

WHAT YOU ARE NOT COVERED FOR

As well as the general conditions, the following exclusions and conditions apply:

EXCLUSIONS FOR CANCELLATION & CUTTING SHORT A TRIP
1. You are not covered for:

1. a medical condition for which you know you need or are receiving in-patient treatment at a hospital or nursing home, unless you told us about the condition and we agreed to provide cover (or for annual cover, at the time of booking any trip); or
2. a terminal illness diagnosed by a registered doctor before the start of the period of insurance unless you told us about the illness and we agreed to provide cover (or for annual cover, at the time of booking any trip).

2. Amounts you can get back from someone or somewhere else.

3. The first £50 of every claim for each of you will not be paid (£10 for each of you for deposit only claims).

ADDITIONAL EXCLUSIONS FOR CANCELLATION
1. You are not covered for:

1. your deciding you no longer want to travel;
2. labour disputes;
3. government regulation, acts of parliament or currency restriction;
4. your financial circumstances or unemployment other than redundancy (if you qualify for payment under the redundancy payment legislation, that is, you are under 65 and have 2 years’ continuous employment with the same employer);
5. the tour operator or anyone you have made travel or accommodation arrangements with failing to provide the arrangements;

CONDITIONS FOR CANCELLATION
1. You must do all that you can to get to the airport, port or station you are leaving from on time.

2. If you do not tell the travel agent, tour operator or organisation providing transport and accommodation as soon as you need to cancel your trip, the amount we pay will be limited to the cancellation charges that would have applied at that time.

ADDITIONAL EXCLUSIONS FOR CUTTING SHORT A TRIP
1. You are not covered for:

1. activities other than those listed under ‘Activity Levels’ for which the appropriate premium has been paid, riding or driving in any kind of race, flying except if you are travelling as a passenger in a fully licensed passenger carrying aircraft, or any other dangerous activity.
2. deliberately putting yourself at risk unless you are trying to save someone’s life;
3. your taking part in manual work in connection with profession, business or trade;
4. your suicide or attempted suicide, deliberately injuring yourself, solvent abuse or the effect of alcohol or drugs;
5. your motorcycling, as either driver or passenger of a motorcycle which is more than 125cc, unless the driver holds a current licence which allows them to ride a motorcycle of more than 125cc;

CONDITIONS FOR CUTTING SHORT A TRIP
1. If you go into hospital and are likely to be in for more than 48 hours or you have to return home early, someone must contact Assistance International for you immediately.

2. Before you return home early for medical reasons, you must get a doctor’s certificate to confirm that this is necessary and that you are fit to travel.

3. If you return home early because of illness or injury to a close relative or business associate, you must get a doctor’s certificate confirming that this was necessary.

EXCLUSIONS FOR DELAY
1. You are not covered for:

1. insurance taken out within 4 weeks of the date you are due to leave if it is public knowledge that the journey could be delayed;
2. claims caused by the tour operator, or any other provider of transport and accommodation, who stops trading; or
3. amounts you can get back from someone or somewhere else if you decide to cancel the trip.

CONDITIONS FOR MISSED DEPARTURE
1. You must do all you can to arrive at the airport, port or station you are leaving from on time.

2. In the case of a labour dispute, you will only be covered if a dispute is announced and begins during the period of insurance.

3. If you miss the departure because your car breaks down or you are involved in an accident, you must send us a repairer's or police accident report. If your missed departure was caused by an accident not involving the car you were travelling in, you must obtain written confirmation from the police that the accident resulted in traffic delays to your airport, port or station.

EXCLUSIONS FOR KIDNAP AND HIJACK COVER
1. You are not covered for your acts, which would be a criminal offence in the UK if committed in the UK.

2. You are not covered for claims where you are held for less than 24 hours.

CONDITIONS FOR KIDNAP AND HIJACK
1. Your company, you or your family must not be involved in any political or other activity which would increase the risk under this insurance.

2. Following a hijack, compensation will start from the scheduled arrival time of your transport and will finish when you are released. You must provide written confirmation of this from your scheduled transport provider.

3. Following your kidnap, compensation will start from the time the kidnap is reported to the authorities and will finish when you are released. You must provide written confirmation of this from the relevant authorities.

4. You are not covered if you travelled against Foreign and Commonwealth Office advice or if you disregard safety or travel advice given by any government or other authority.

EXCLUSIONS FOR CATASTROPHY COVER
1. You are not covered for the following:

1. Costs which may be refunded from someone or somewhere else;
2. Costs which you would have had to pay during your trip if the problem had not occurred;
3. Any claim where you do not produce a receipt for the costs you have incurred.

CONDITIONS FOR CATASTROPHY COVER
1. The accommodation that you move to must be near to the accommodation that you had originally booked and of a similar standard.

2. You must provide written confirmation from the police or the company you had booked the original accommodation with confirming that you were unable to use it and stating the reason.