WeatherPromise is a parametric weather insurance policy. It pays a fixed amount if the weather data shows that the precipitation trigger for your trip has been met.

Your policy schedule sets out the trip location, the coverage area, the insurance period, the weather trigger, the number of bad weather days, the weather dataset used and the amount payable. During the insurance period we monitor precipitation in the coverage area using that dataset.

If an insured event occurs — falling precipitation in the coverage area reaching or exceeding the trigger event, and the requirements for your benefit type are met — the fixed insurance benefit shown in your policy schedule is paid.

There is no normal claims process: you do not submit a claim and you do not have to prove a loss. No later than 48 hours after the end of your insurance period we email you the decision, whether or not a payment is due.

WeatherPromise is offered during the booking process with one of our travel partners. When you book your trip or accommodation, you have the option to add it as an additional service. You can buy this cover before you depart for your trip.

Cover applies to a pre-booked trip only. There is no cover for any claims arising from circumstances you were aware of, or could reasonably be expected to be aware of, at the time you bought the policy.

After you buy, we email you your policy schedule together with your policy wording and the Insurance Product Information Document (IPID). Together these are your insurance contract. Please read them carefully — they set out the full terms, exclusions and conditions that apply, and your policy schedule holds every parameter specific to your trip.

If you cannot find them, check your spam or junk folder first, then email us at [email protected] and we will resend them.

This insurance is arranged and administered by WeatherPromise (UK), a trading style of Advent Solutions Management Limited, which is authorised and regulated by the Financial Conduct Authority under firm reference number 308751. Its address is 4th Floor, 107 Fenchurch Street, London, EC3M 5JF.

The policy is underwritten by White Horse Insurance UK Limited, a Branch of White Horse Insurance Ireland dac. White Horse Insurance Ireland dac is a designated activity company incorporated in the Republic of Ireland (Registration No. 306045), registered office Rineanna House, Shannon Free Zone, Shannon, County Clare, V14 CA36, and is authorised and regulated by the Central Bank of Ireland. White Horse Insurance UK Limited is a Branch registered in England and Wales (Registration No. FC039609), UK Branch Head Office St Clare House, 30-33 Minories, London, EC3N 1PE, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority, firm reference number 203320. You can check this on the Financial Services Register at www.fca.org.uk.

Your policy is governed by the law of England and Wales unless you and we have agreed otherwise. You cannot transfer this policy to someone else unless we agree in writing.

To be covered by this policy you must be a permanent resident of the United Kingdom (England, Scotland, Wales and Northern Ireland), and have been for the six months prior to the date you buy the policy. Residents of the Channel Islands and the Isle of Man are not eligible for cover under this policy.

We have not provided you with any advice or recommendation as to whether this policy is suitable for your specific needs. When taking out or making changes to this policy, you must take reasonable care to provide accurate and complete answers to all questions.

You do not need to download an app. The service is entirely web-based.