Your Travel Insurance Policy - Post Office

Contract of InsuranceSection 24 – Avalanche and LandslideWe will pay you up to the value stated in the table onpage 31 for your chosen cover option for extra traveland accommodation costs if an avalanche or landslidedelays your arrival at, or departure from, the bookedresort for more than 12 hours.As well as the general conditions and exclusions onpages 25 to 27, the following condition and exclusionsapply to Section 24.Avalanche and Landslide Exclusions1. We will not pay for:(a) Any expenses you can claim under anyother insurance;(b) Any claim if you take out this insurance within14 days of going on the trip, unless you bookedthe trip at the same time.Condition Applying to Avalanche andLandslide Claims1. You must obtain written confirmation from anappropriate authority to confirm the period ofand reason for the delay.Golf CoverAvailable under Classic and Premium cover onlyWhere your Policy Schedule shows that Golf Coverhas been added and the appropriate premium hasbeen paid, the following additional cover will beprovided.Section 25 – Golf EquipmentYou will be covered up to stated in the table on page31 for the replacement cost (after allowing for wear,tear and loss of value) of your golf equipment if itis lost, stolen or damaged. The total limit for hiredgolfing equipment which is lost, stolen or damagedis £100.Section 26 – Golf Equipment HireIf your own golf equipment is lost, stolen ordamaged, you will be covered for the reasonable costof hiring replacement clubs up to the value stated inthe table on page 31 for your chosen cover optionper trip.As well as the general conditions and exclusionson pages 25 to 27, the following conditions andexclusions apply to Sections 25 and 26.Golf Equipment and Golf EquipmentHire Exclusions1. You are not covered for the following:(a) Loss, theft or damage to your personalbelongings during your outward or returnjourney if you do not get a written ‘carrier’sreport’ or a ‘property irregularity report’ in thecase of an airline. If you cannot report the lossor damage to the carrier straight away, you mustdo so in writing within seven days.(b) Loss, theft or damage to your personalbelongings at any other time if you do notreport the loss of theft to the police within 24hours of discovering it and get a police reportfrom them.(c) Loss or damage caused by delay, wear andtear, moths, vermin, weather and atmosphericconditions or mechanical failure.(d)Loss or theft of or damage to property leftin a vehicle overnight.2. You are not covered for claims for which youreceive compensation from someone else.3. We will not pay the excess value stated in thetable on page 31 for your chosen cover optionfor any loss, charge or expense incurred inrespect of every claim made for each of youunder this Section.Conditions Applying to Golf Equipmentand Golf Equipment Hire1. You must take proper care of your own belongingsand act as if you did not have this insurance policy.2. The following condition applies to claims fortemporary loss of personal belongings. As well asgetting an authorised ‘property irregularity report’from the carrier or handler agent, you must writeto them within 21 days of receiving your propertyback to confirm you had to buy replacement items.3. You must keep any damaged property so that wecan inspect it. When we make a payment for thatproperty, it will then belong to us.4. If your claim involves a pair or set, we will onlypay the value of the part of the pair or set whichis lost, stolen or damaged.Section 27 – Green FeesIf you fall ill or are injured during the period ofinsurance, or if adverse weather prevents you playinggolf at a pre-booked course, you will be covered for thecosts of the pre-paid green fees which you are not ableto use, up to £75 per day and up to the value statedin the table on page 31 for your chosen cover optionin total.As well as the general conditions and exclusionson pages 25 to 27, the following conditions andexclusions apply to Section 27.24