Benefit 20: Snow Sports Equipment

This benefit provides cover for Your ski or snowboard equipment in the circumstances as explained below.

Important Cover Conditions

Cover under this benefit is subject to the following conditions:

• There is no cover while Snow sports equipment is in use.
• You must take care to protect and secure Your Snow sports equipment at all times. This means:
  • You must not leave Your Snow sports equipment Unsupervised or in a Public place or at any time in the passenger compartment of an Unattended motor vehicle.
  • You must not store Your Snow sports equipment in an Unattended motor vehicle overnight.
  • You must, when You are transporting Your Snow sports equipment by aircraft, securely pack it in a ski or snowboard case or other container designed for Snow sports equipment.
  • You must, when transporting Your Snow sports equipment by motor vehicle, only leave it obscured from view in the locked boot or Locked storage compartment.
• Limits apply if Your Snow sports equipment is stolen from an Unattended motor vehicle.
• Where a claim is for the loss or theft of, or damage to, Snow sports equipment, You must (where it is reasonably possible to do so):
  • report the loss or theft as soon as practicable, but preferably within 24-hours to the police or an office of the bus line, airline, shipping line or rail authority You were travelling on when the loss or theft occurred.
  • provide Us with a copy of the written report from the police or office of the bus line, airline, shipping line or rail authority You were travelling on.

We will pay

• Up to the limits set out in the Benefit Summary above, if during Your Trip, Snow sports equipment owned by You is permanently Lost, stolen or accidentally damaged, We will pay You for (whichever is lesser):

  • the cost to repair the item,

  • the cost to replace the item, or

  • the purchase price of the item less any Depreciation that applies.

Subject to the limits shown in the Benefit Summary above, the most We will pay is the original purchase price of the item less any Depreciation that applies. Depreciation will be calculated as detailed under the heading Depreciation.

No Depreciation will be applied to Snow sports equipment purchased duty free prior to Your departure, or for Snow sports equipment purchased during Your Trip.

Where an item is part of a pair or set, We will pay no more than the value of the Lost, damaged or stolen part, regardless of any special value that the item may have had as part of a pair or set.

If Your Snow sports equipment is stolen from an Unattended motor vehicle then the most We will pay under any circumstances is $200 for each item, pair or set, and $1,000 in total for all stolen items.

We will not pay

• If the loss or damage is to, or of, Snow sports equipment while it is in use.
• If the Snow sports equipment was left Unsupervised or in a Public place.
• If You leave Your Snow sports equipment in any aircraft, Cruise ship, ferry, train, tram, taxi or bus or in any accommodation after You have checked out.
• If the Snow sports equipment was left in an Unattended motor vehicle while being transported, unless it was obscured from view in the locked boot or Locked storage compartment of a motor vehicle.
• If the Snow sports equipment was left in an Unattended motor vehicle overnight, even if it was obscured from view in the locked boot or Locked storage compartment of a motor vehicle.
• If the Snow sports equipment was being sent unaccompanied or under a freight contract.
• If the loss or damage Arises from any process of cleaning, repair or alteration.
• If the loss or damage Arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin.
• If the Snow sports equipment suffers an electrical or mechanical breakdown.
• If You are entitled to be reimbursed by the bus line, airline, shipping line or rail authority You were travelling on when the loss, theft or damage occurred. However, if You are not reimbursed the full amount of Your claim, We will pay the difference between the amount of Your loss and what You were reimbursed, up to the limit of Your cover (allowing for Depreciation due to age, wear and tear).
• If You do not report the loss, theft or damage as soon as practicable, but preferably within 24-hours to the police or an office of the bus line, airline, shipping line or rail authority You were travelling on when the loss, theft or damage occurred. You must prove that You made such report by providing Us with a written statement from whoever You reported it to.
• For more than the applicable limits set out in the Benefit Summary above.

Please also read General Exclusions that apply to all benefits.