Are bikes covered for damage in transit by airlines?
Airlines have a legal responsibility for damage to any property in their care, custody and control, this includes bikes or any sports equipment you have paid to travel in the aircraft hold. If you take the optional 'equipment' section of cover you will be insured for any 'irrecoverable' expenses resulting from damage to your equipment in transit. This means that in the first instance you must seek what is known as a 'property irregularity report' or 'PIR' from the airline if your equipment or baggage is damaged and you wish to make a claim. If you are able to obtain compensation from the airline for damage to equipment you can only claim for any expenses in excess of any compensation award. If you do not obtain a PIR, you will not be able to make a claim against your travel insurance, it is a policy condition that a PIR is requested from the airline. NOTE: CHECK EQUIPMENT BEFORE LEAVING THE AIRPORT - airlines are unlikely to issue a PIR after you have left the airport and this will mean you can not claim against your insurance policy.
Am I covered in the UK with an annual multi trip policy?
Annual ‘Multi trip’ policies only cover holidays in the UK with at least one nights pre-paid accommodation.
Activities that are not covered by Snowcard
There are some activity holidays we are unable to provide cover for. These include:- Horse racing, polo and hunting. All aerial sports including paragliding, hang gliding, flying microlight aircraft, piloting any aircraft and hot air balloons. Un-guided or self organised off road motor cycle sport. Motor sport, motorised racing or time trials. Any professional competition or competing in major international events as a UK representative. Self organised mountaineering expeditions which we have not agreed in advance to cover. Exploratory expeditions that we have not agreed in advance to cover. Military exercises. Professional indemnity insurance or public liability insurance for running a business. Employers liability insurance. Public liability or third party liability for operating motorised vehicles. Any travel to the Polar regions for specialist expeditions. Any travel to the Antarctica. Transatlantic yachting expeditions or ocean crossings and global circumnavigation.

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