A payment is due when an insured event occurs. An insured event is falling precipitation in the coverage area during the insurance period which reaches or exceeds the trigger event threshold shown in your policy schedule, and which meets the requirements for the type of insurance benefit shown in your policy schedule, including, where applicable, the required number of bad weather days.
WHAT PRECIPITATION IS COVERED
This policy covers falling precipitation in the coverage area during the insurance period. Falling precipitation means: rain, drizzle, snow*, ice crystals, diamond dust or polar snow*, soft hail*, freezing rain, freezing drizzle, snow grains*, ice pellets*, and small hail*.
* For snow, soft hail, small hail and other frozen precipitation, we use the equivalent amount of water after it has melted. Irrespective of the physical state of the falling precipitation, the threshold values are based on the amount of water that has fallen in a thawed state.
THE FOUR PARAMETERS THAT DECIDE IT
All four are set out in your policy schedule, individually for your trip. A policy you bought for an earlier trip will usually have different parameters.
Trigger event — the precipitation level and the required number of qualifying hours. The qualifying hours do not need to be consecutive. A precipitation hour is any hour during which falling precipitation reaches the millimetres of water depth stated in your policy schedule.
Coverage area — the geographic area within an 8 km radius of the trip location shown in your policy schedule. Cover is based on the coverage area only. It is not based on where you personally are at the time precipitation occurs. If your trip includes more than one location, the relevant trip location for each period of stay is the one shown in your policy schedule only.
Insurance period — the period of cover for which we have accepted your premium, as shown in your policy schedule.
Bad weather days — the number of days specified in your policy schedule during which the trigger event may occur before an insurance benefit becomes payable. A day only counts towards that number if the trigger event is met in the coverage area during the insurance period, based on the weather dataset specified in your policy schedule.
THE THREE BENEFIT TYPES
Your policy schedule specifies which one you have purchased.
Full Trip — the insured event occurs when a trigger event occurs on more than the agreed number of bad weather days during the insurance period. The insured sum shown in the policy schedule for the full trip is paid.
Daily — the insured event occurs when a trigger event occurs on a day shown in the policy schedule, after applying the agreed number of bad weather days. The daily insured sum shown in the policy schedule is paid for each covered day that qualifies.
Single Day — the insured event occurs when a trigger event occurs during the insurance period for the single day shown in the policy schedule. The insured sum shown in the policy schedule for the single day is paid.
Two worked examples, for illustration only:
Full Trip — if one bad weather day is agreed and a trigger event occurs on two days during the insurance period, the insured event occurs and the full trip insured sum is paid.
Daily — if one bad weather day is agreed and a trigger event occurs on two days during the insurance period, the insured event occurs for one covered day only.
HOW IT IS MEASURED
We use the weather dataset specified in your policy schedule — or a replacement weather dataset permitted under the policy wording — to determine whether the trigger event has been met, and the measured values are used without adjustment. If the dataset in your policy schedule is unavailable or does not provide the data required, the MSWEP dataset published by GloH2O LLC is used.
The measured values and results produced by that weather dataset are final and binding for the purpose of determining whether a trigger event has occurred and whether an insurance benefit is payable. We are not able to use any other source, including personal observations, photographs or videos, weather applications or websites other than the dashboard specified in your policy schedule, local weather stations or rain gauges not specified in your policy schedule, or weather reports or evidence provided by you or any third party. Please do not send us weather evidence — we are not able to act on it, whatever it shows.
You can see the precipitation measurement values for your insurance period yourself: an informational display is available at the weather dataset provider's internet address specified in your policy schedule.
WHAT IS NOT COVERED
Precipitation falling outside the coverage area shown in your policy schedule, even if you experienced it.
Precipitation falling before or after the insurance period shown in your policy schedule.
Any trip where the location, route or coverage area falls within high seas (areas of sea outside a country's territorial waters) or polar zones (north of 66°33′N or south of 66°33′S).
Any trip cancelled or abandoned before the start of the insurance period.
Any trip not commenced where travel expenses are reimbursed, in full or in part, by a travel provider, tour operator, travel cancellation policy, another insurance policy or any other third party.
Anything above the total insured sum shown in your policy schedule, even if your actual costs or other losses are higher.
Where more than one WeatherPromise policy has been purchased for the same person, same trip, same location and same insurance period, the policy provides that we will not pay benefits, and that the maximum amount payable shall not exceed the highest single insured sum applicable per trip booking.
The full terms, exclusions and conditions are in your policy wording and policy schedule.