HELPFUL HINTS FOR YOUR WINTER SPORTS JOURNEY

Optional Winter Sports Extension

The following Sections 17, 18, 19 and 20 only apply if winter sports extension
is shown in your policy certificate as being included.

1. Whilst skiing is fun there are rules and regulations that apply and you can be prosecuted for behaving in a reckless or dangerous manner. You should read and understand International Ski Federation (FIS) rules before you ski.

2. If you are not skiing with an instructor or guide you should check that the area you wish to ski in is suitable for a skier of your level – obtain advice from the local ski school.
NEVER SKI IN CLOSED AREAS – IT IS EXTREMELY DANGEROUS AND INSURANCE COVER MAY BE INVALIDATED.

3. When leaving skis in racks try to liaise with a friend to ensure that skis are not left in pairs – ‘mix and match them’ as thieves prefer only to take pairs.
Section 17 – Ski Equipment
To pay up to £750 in total (after taking in to account a deduction for wear and tear and depreciation) in respect of accidental permanent loss of or damage to Ski Equipment being the property or responsibility of the Insured Person occurring during the Operative Time of Cover PROVIDED THAT:
1. the Company shall not be liable for more than:
A. £300 in total in respect of Ski Equipment hired by or to the Insured Person
B. £500 in total in respect of any one article, pair or set irrespective of single or joint ownership
2. the Company shall have the option of repair, replacement, reinstatement or cash payment based on the intrinsic value of the article(s) in question.

Excess

This insurance does not cover the first £50 per Insured Person (£100 per family) in respect of each separate incident giving rise to a claim hereunder.
Exclusions

This insurance does not cover:

1. Loss or damage caused by or arising from:
A. delay, confiscation or detention by Customs or other officials or authorities
B. fraud or deception.
2 Loss of or damage to sports equipment whilst in use.
3. Loss or damage due to wear and tear, gradual deterioration, atmospheric or climatic conditions, insects, parasites, vermin, mechanical or electrical breakdown, scratching, denting or any process of cleaning, drying, alteration or repair.
4. Shortages due to error, omission or depreciation in value.
5. This insurance does not cover:
A. theft or attempt thereat of Ski Equipment from any Unattended Vehicle:
i. between the hours of 8pm and 9am local time
ii. at any other time unless such vehicle has been secured from unauthorised entry and the Ski Equipment is:
a. hidden from view within the vehicle or
b. secured within a purpose-built lockable container fastened to the exterior of the vehicle and there is evidence that such theft involved violent and forcible means
B. theft or loss of Ski Equipment not reported to the local police within 24 hours and a written report obtained from them.

Section 18 – Ski Equipment Hire Charges

To pay up to £400 in total in respect of the reasonable and necessary charges for the emergency hire of Ski Equipment if during the Operative Time of Cover the Insured Person is deprived of the Ski Equipment taken on the Journey for 12 hours or more from the time of arrival at the booked destination on the outward leg of the Journey due to delay or misdirection by the carrier (e.g. airline)
PROVIDED THAT:
1. the non-arrival of the Insured Person’s Ski Equipment is reported IMMEDIATELY to the carrier and a written report (or in the case of an airline a Property Irregularity Report) obtained from them
2. the Insured Person submits to the Company the receipts for all hire charges together with the carrier’s written report (or Property Irregularity Report) and written confirmation from the carrier of the number
of hours delay.

Section 19 – Piste Closure

IMPORTANT this Section is only valid for Journeys between 15th November and 15th April
To pay up to £300 in total if during the Operative Time of Cover it is not possible for the Insured Person to ski in the resort to which he/she had pre-booked to travel and in which he/she had intended to ski due to the total closure of all on piste skiing facilities solely and directly as a result of lack of snow or excessive snow or avalanche or threat of avalanche such payment being in respect of:
1. the cost of transfer to an alternative ski area up to a maximum of £20 per day for each full day that the Insured Person is unable to ski in such resort plus up to £20 per day for the purchase of a lift pass or
if no alternative on piste skiing areas are available
2. compensation at the rate of £30 per day for each full day that the Insured Person is due to ski in such resort but is unable to do so as a result of such total closure of all on piste skiing facilities up to the maximum stated above PROVIDED THAT the Insured Person provides the Company within 30 days of returning from the Journey with written confirmation from the tour operator’s representative (or if unavailable – the ski lift operators) of the dates of closure and reason for closure of such on piste skiing facilities.

Section 20 – Unused Ski Pack

To pay up to £500 in total in respect of the proportional return of the irrecoverable pre-booked cost of the lift pass, ski-school or Ski Equipment hire as a direct result of the Insured Person sustaining accidental bodily injury or suffering the onset of illness during the Operative Time of Cover which prevents him/her from using skiing facilities whilst certified medically unfit to do so PROVIDED THAT the Company has accepted liability under Section 1 – Medical and Other Expenses for the medical, hospital or treatment costs or expenses incurred in respect of such injury or illness or would have accepted liability for such costs or expenses had they been incurred outside of
the United Kingdom or were it not for the Excess under that Section of this policy.

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Policies and Services available from Under The Sun

Complete Holiday Insurance Cover - Trip Travel Insurance - Annual Travel Insurance

Winter Sports Insurance - Online Travel Insurance - Trekkers Travel Insurance.

Trip Travel Insurance for age up to 85 - Annual Travel Insurance for age up to 75.

Travel Insurance cover for Pre-Existing medical conditions (subject to medical screening.)

Long Stay Travel Insurance - Travel Insurance Cover for Hazardous Activities.

Travel Insurance cover for Business

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