WEBroker Travel Insurance Policy summary - Online Travel Insurance

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Section 17Ski equipment & other expensesYou are covered up to the amounts shown in thebenefits schedule, after making reasonable allowance forwear, tear and depreciation and subject to the specialcondition shown below for;a. loss or theft of, or damage to ski equipment owned orborrowed by you.b. loss or theft of, or damage to ski equipment hired byyou.c. the cost of necessary hire of ski equipment following;i. loss or theft of, or damage to, your ski equipmentinsured by us, orii. the delayed arrival of your ski equipment, subject toyou being deprived of their use for not less than 12hours.You are not covered fora. the amount of the excess shown in the benefitsschedule for each claim other than claims for hirecosts.b. ski equipment stolen from an unattended motor vehiclebetween the hours of 9 p.m. and 8 a.m. or, if stolen atany other time, unless they were forcibly removedwhilst locked and whilst out of sight wherever possibleeither inside the vehicle or to a purpose designed skirack.c. damage to ski equipment whilst in use for race trainingor racing.d. your damaged ski equipment unless returned to theUnited Kingdom for our inspection.e. loss or theft of ski equipment not reported to the policewithin 24 hours of discovering the loss and a writtenreport or reference obtained in the country where theincident occurred.f. loss or theft of, or damage to, ski equipment whilst intransit unless reported to the carrier and a PropertyIrregularity Report obtained.g. loss or theft of, or damage to, ski equipment over 5years old.h. loss or theft of ski equipment left unattended in apublic placeSpecial conditions applicable to section 17In respect of loss or damage to ski equipment, we will notpay more than the proportion shown below depending onthe age of the equipment.Age of equipment Proportion of original purchase priceUp to 1 yearUp to 2 yearsUp to 3 yearsUp to 4 yearsUp to 5 yearsOver 5 yearsIt is a requirement of this insurance that you must, in theevent of a claim, provide receipts or other documentationto prove ownership and value, especially in respect of anyitems for which you are claiming more than £100.Please also refer to the general exclusions andconditions.Section 18Ski pack85%65%45%30%20%NILYou are covered up to the amounts shown in thebenefits schedule for the proportionate value of any skipass, ski hire or ski school fee that you are unable to usefollowing;a. accidental injury or sickness that prevents you fromskiing, as medically certified, orb. loss or theft of your ski pass.You are not covered fora. the amount of the excess shown in the benefitsschedule for each claim.b. any claim not substantiated by a police and/or amedical report.Please also refer to the general exclusions andconditions.Section 19Piste closure(Valid for the period 1st December to 31st March only)You are covered for the daily amount shown in yourbenefits schedule for each day that it is not possible toski because all lifts are closed due to a complete lack ofsnow, adverse conditions or avalanche danger in your pre-booked trip resort, up to the total amount shown either;a. for the costs you have paid for travel to an alternativeresort including the necessary additional cost of a skipass, orb. a compensation payment to you after you return whereno alternative is available.You are not covered if you arranged this insurance orbooked your trip within 14 days of departure and at thattime conditions in your planned resort were such that itwas likely to be not possible to ski.Conditionsa. you must provide written confirmation from the resortauthorities or ski lift operators for the period that therewas no skiing available owing to the closure of all skilifts.b. you must submit receipts for the travel and ski passcosts that you wish to claim.Please also refer to the general exclusions andconditions.Section 20Independent traveller extensionExtended cancellation or curtailmentWhat is coveredSection 1 – cancellation or curtailment is extended toinclude the following cover.We will pay you up to the amount shown in the benefitsschedule for any irrecoverable unused travel andaccommodation costs (including unused pre-bookedexcursions up to a value of £100) and other pre-paidcharges which you have paid or are contracted to pay,together with any reasonable additional travel expensesincurred if;a. you were not able to travel and use your bookedaccommodation, orb. the trip was curtailed before completion;as a result of the Travel Advice Unit of the Foreign andCommonwealth Office (FCO) or the World HealthOrganistation (WHO) or regulatory authority in a countryto/from which you are travelling issuing a directive;1. prohibiting all travel or all but essential travel to, or2. recommending evacuation from;the country or specific area or event to which you aretravelling, providing the directive came into force after youpurchased this insurance or booked the trip (whicheveris the later), or in the case of curtailment after you had leftyour home country to commence the trip.Extended travel delayWhat is coveredSection 5 – travel delay is extended to include thefollowing cover.We will pay you either;Travel delay1. up to the amounts (a), (b) and (c) shown in the benefitsschedule if the public transport on which you arebooked to travel is cancelled or delayed, leading toyour departure being delayed for more than 12 hoursat the departure point of any connection, orAbandonment or additional expenses2. up to the amount shown in the benefits schedule inrespect of;a. irrecoverable unused accommodation and travel costs(including unused pre-booked excursions up to a valueof £100) and other pre-paid charges which you havepaid or are contracted to pay because you choose toabandon your trip as a result of;i. the public transport on which you are booked totravel from your home country being cancelled ordelayed for more than 12 hours, orii. you being denied boarding (because there are toomany passengers for the seats available) and no othersuitable alternative flight can be provided within 12hours, orb. suitable additional accommodation (on a bed &breakfast basis) and travel expenses necessarilyincurred in reaching your overseas destination and/orin returning to your home country, as a result of;i. the public transport on which you are booked totravel being cancelled, delayed for more than 12hours, diverted or redirected after take off, or6ii. you being denied boarding (because there are toomany passengers for the seats available) and no othersuitable alternative flight can be provided within 12 hoursand you choose to make other travel arrangements.The amount payable will be calculated after deduction ofthe amount of the refund on your ticket(s) together withany compensation from the public transport provider.You cannot claim under both subsection 1 or subsection2 for the same event.Extended missed departureWhat is coveredSection 6 – missed departure is extended to include thefollowing cover.We will pay you up to the amount shown in the benefitsschedule for necessary additional accommodation (on abed & breakfast basis) and travel expenses that you incurin reaching your destination if you arrive at any departurepoint shown on your pre-booked itinerary too late toboard the public transport on which you are booked totravel as a result of;a. strike, industrial action, adverse weather conditions, ordisruption due to a volcanic eruption, orb. you being denied boarding (because there are toomany passengers for the seats available) and no othersuitable alternative flight could be provided within atime that would enable you to make your plannedonward journey.Accommodation costsWhat is coveredWe will pay you up to the amount shown in the benefitsschedule for either;1. any irrecoverable unused accommodation costs(including unused pre-booked excursions up to a valueof £100) and other pre-paid charges which you havepaid or are contracted to pay because you were notable to travel and use your booked accommodation, or2. reasonable additional accommodation and transportcosts incurred;a. up to the standard of your original booking, if you needto move to other accommodation on arrival or at anyother time during the trip because you cannot use yourbooked accommodation, orb. with the prior authorisation of our nominatedemergency service, to repatriate you to your homecountry if it becomes necessary to curtail the trip;as a result of the insolvency of the providers of theaccommodation, fire, flood, earthquake, explosion,tsunami, landslide, avalanche, volcanic eruption, hurricane,storm or an outbreak of food poisoning or an infectiousdisease affecting your accommodation or resort.You cannot claim under subsection 1 and subsection 2for the same event.You are not covered fora. the amount of the excess shown in the benefitsschedule in respect of each claim, except for claimsunder subsection 1 of the extended travel delay cover.b. any claim under this section which is also coveredunder section 1 – cancellation or curtailment, section5 – travel delay or section 6 – missed departure for thesame event.c. claims arising directly or indirectly from;i. strike, industrial action or a directive prohibiting alltravel or all but essential travel, to the country or specificarea or event to which you were travelling existing orbeing publicly announced by the date you purchasedthis insurance or at the time of booking any trip.ii. an aircraft or sea vessel being withdrawn fromservice (temporary or otherwise) on therecommendation of the Civil Aviation Authority, PortAuthority or any such regulatory body in a country to/from which you are travelling.iii. denied boarding due to your drug use, alcohol orsolvent abuse or your inability to provide a validpassport, visa or other documentation required by thepublic transport provider or their handling agents.iv. any costs incurred by you which are recoverablefrom the providers of the accommodation (or theiradministrators) or for which you receive or areexpected to receive compensation or reimbursement.v. any costs incurred by you which are recoverablefrom the public transport provider or for which youreceive or are expected to receive compensation,damages, refund of tickets, meals, refreshments,accommodation, transfers, communication facilities orany other assistance.vi. any accommodation costs, charges and expenseswhere the public transport operator has offeredreasonable alternative travel arrangements.vii. any costs for normal day to day living such as foodand drink which you would have expected to payduring your trip.
Special conditions relating to claims(applicable to all extended sections of cover)a. if you fail to notify the travel agent, tour operator orprovider of transport or accommodation as soon asyou find out it is necessary to cancel the trip, theamount we will pay will be limited to the cancellationcharges that would have otherwise applied.b. you must get (at your own expense) writtenconfirmation from the provider of the accommodation(or their administrators), the local police or relevantauthority that you could not use your accommodationand the reason for this.c. (for curtailment claims only) you must tell ournominated emergency service as soon as possible ofany circumstances making it necessary for you toreturn home and before any arrangements are madefor your repatriation.d. you must check in according to the itinerary suppliedto you unless your tour operator or airline hasrequested you not to travel to the airport.e. you must get (at your own expense) writtenconfirmation from the scheduled public transportoperator (or their handling agents) of the cancellation,number of hours of delay or involuntarily deniedboarding and the reason for these together with detailsof any alternative transport offered.f. you must comply with the terms of contract of thescheduled public transport operator and seek financialcompensation, assistance or a refund of your ticketfrom them, in accordance with the terms and/or(where applicable) your rights under EU Air PassengersRights legislation in the event of denied boarding,cancellation or long delay of flights.g. you must get (at your own expense) writtenconfirmation from the scheduled public transportoperator/accommodation provider that reimbursementwill not be provided.General conditions1. You must tell us all relevant facts. A relevant fact isone that is likely to influence us in accepting yourinsurance. This could be the state of your health orthat of a close relative or any planned hazardousactivities. If you are in any doubt as to whether a factis relevant, you should tell us. If you do not tell us thismay result in your claim being invalid (please refer toquestion 4 of important conditions relating to health &activities on page 2).2. You must notify Voyager Insurance Services Ltd on01483 562662 as soon as possible about any changein circumstances which affects your policy, includingyou, a person you are travelling with, a close businessassociate or relative receiving confirmation of a new orchanged medical condition or currently being undermedical investigation, change in sporting activity orleisure activities you intend to participate in duringyour trip or any additional persons(s) to be insuredunder this policy. We have the right to re-assess yourcoverage, policy terms and/or premium after youhave advised us of any such change this may includeus accepting a claim for the cancellation chargesapplicable at that time if no suitable or alternative coverfor your changed circumstances can be provided. Ifyou do not advise us of any change then any relatedclaim may be reduced or rejected or your policy maybecome invalid.3. You must notify Voyager Insurance Services Ltd on01483 562662 if your plans for your trip include travelto areas affected or threatened by war or similar risksas set out in general exclusion 1. We reserve the rightnot to cover such trips or, if we will cover them, toapply special terms or conditions and/or charge anadditional premium as we think appropriate. No coverfor such trips shall attach unless you accept suchterms, including any additional premium, before youdepart.4. You must advise the claims handlers of any possibleclaim as soon as possible. You must supply themwith full details of all the circumstances and any otherinformation and documents we may require.5. You must keep any damaged articles that you wish toclaim for and, if requested, send them to the claimshandlers at your own expense. If we pay a claim forthe full value of an article, it will become our property.6. You must agree to have medical examination(s) ifrequired. In the event of your death, we are entitledto have a post mortem examination. All suchexaminations will be at our expense.7. You must assist us to obtain or pursue a recovery orcontribution from any third party or other insurers(including the Department of Work & Pensions) byproviding all necessary details and by completing anyforms.8. You must pay us back within 1 month of demand anyamounts that we have paid on your behalf that are notcovered by this insurance.9. You must take all reasonable steps to avoid orminimise any loss that might result in you making aclaim under this insurance.10. You must comply with all the terms, provisions,conditions and endorsements of this insurance. Failureto do so may result in a claim being declined.11. Except for claims under section 3 - hospital staybenefit, section 4 - personal accident, section 5 -travel delay, section 14 - hijack, section 15 - mugging& section 16 pet care, this insurance shall only beliable for its proportionate share of any loss or damagethat is covered by any other insurance.12. We may take action in your name but at our ownexpense to recover for our benefit the amount of anypayment made under this insurance.13. We may at our option discharge any liability underthis insurance by replacing or repairing any article orarticles lost or damaged, or by issuing you with a creditvoucher.14. No refund of premium will be allowed after thecooling off period following the date of purchase of thisinsurance nor after any travel has begun.15. This insurance is non-transferable. If a trip iscancelled for any reason other than that described insection 1 - cancellation or curtailment then the coverfor that trip terminates immediately and no refund ofpremium in whole or part will be made.16. If you or anyone acting on your behalf makes anyclaim knowing it to be false or fraudulent in any waythen this insurance shall become void, premiums nonrefundableand all claims shall be forfeited.General exclusionsYou are not covered for claims arising out of:1. loss or damage directly or indirectly occasioned by,happening through or in consequence of war, invasion,acts of foreign enemies, terrorism, hostilities (whetherwar be declared or not), civil war, rebellion, revolution,insurrection, military or usurped power or confiscationor nationalisation, or requisition or destruction of ordamage to property by or under the order of anygovernment or public or local authority. This is notapplicable, however, in respect of claims under section2 - emergency medical expenses arising throughterrorism other than losses arising from nuclear,chemical and biological exposures unless you plannedto travel to areas that were publicly known to beaffected or threatened by such risks. (Please seegeneral condition 3)2. loss, damage, expense or indemnity incurred as aresult of travelling to an area that the Foreign andCommonwealth Office (or its equivalent in other EUcountries) have advised against travel provided thatsuch loss, damage, expense or indemnity is directly orindirectly related to any such circumstances that arethe reason for the advice.3. loss, damage, expense or indemnity directly orindirectly resulting from or attributable to radioactivecontamination of any nature.4. loss, destruction or damage directly occasioned bypressure waves caused by aircraft and other flyingobjects travelling at sonic or supersonic speeds.5. you travelling in an aircraft other than as a fare payingpassenger in a fully licensed passenger carryingaircraft.6. your suicide or attempted suicide or your deliberateexposure to unnecessary danger (except in an attemptto save human life).7. sexually transmitted diseases or the influence ofalcohol or drugs.8. your participation that was planned or intended at thetime of arranging this insurance in activities of ahazardous nature except as listed on page 9 under theactivities levels Leisure, Action & Action Plus, (wherethe appropriate additional premium has been paid),unless declared to and accepted by us. We reservethe right to apply special terms and conditions (whichmay include additional premiums) and coverage will besubject to your compliance with them.9. wintersports, other than curling, toboganning andrecreational ice-skating, except when this insurance istaken in connection with a wintersports trip and theappropriate premium paid as provided for under theactivities levels Leisure, Action or Action Plus. In noevent, however, is cover granted for wintersports ifyou are aged over 74 or for ski or skibob racing inmajor events, ski jumping or the use of skeletons orbob-sleighs.10.scuba diving if you are;i. not qualified for the dive undertaken unless you areaccompanied by a properly qualified instructor, orii. diving to a greater depth than 30m, oriii. diving alone, oriv. diving in wrecks or at night.11.racing or race training of any kind (other than on footor sailing) except as provided for under the activitieslevels Leisure, Action or Action Plus.12.you taking part in civil commotions or riots of any kind.13.any consequential loss of any kind, except as may bespecifically provided for in this insurance.14.you breaking or failing to comply with any lawwhatsoever.15.manual labour of any kind unless declared to andaccepted by us.16.your financial incapacity, whether directly or indirectlyrelated to the claim except as provided for undersection 1 - cancellation or curtailment (e).17.the bankruptcy or insolvency of a tour operator, travelagent, transport company or accommodation supplierexcept as provided for under section 13 - holidayfinancial protection of the policy.18.a tour operator failing to supply advertised facilities.19.any government regulation or act.20.you travelling against any health requirementsstipulated by the carrier, their handling agents or anyother public transport provider.21.you travelling against the advice of a medicalpractitioner.7
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