TIC has amended its policy
quoting and issuing process
for sports and adventure
cover, making agents’ lives
easier.
“Previously, consultants
booking cover for clients
wanting to engage in sports
activities would contact TIC’s
underwriting department to
scrutinise the extent of the
activities that clients planned
on undertaking. They would
then issue an endorsement
and charge an additional
premium when applicable,”
says Simmy Micheli, sales
and marketing manager.
“This was a lot of admin as
we had a long list of sports
in different categories to sift
through.
“Now guests are
automatically covered for
leisure as well as competitive
and professional sporting
events and activities with
no sports extension cover
required, except for a few
that TIC won’t consider at
all and a few we still want to
talk to agents about,” says
Simmy.
Mary Goslin, director of
Sure Penzance Travel, who
works with a lot of sports
groups, says this amendment
has made her life so much
easier. “In the past, I had
to add in the extra cover for
each day that a person was
doing a particular activity as
well as the amount of days
each person was doing that
activity. The impact on my
time was huge,” says Mary.
Instances where travellers
are required to purchase
a sports extension to
obtain cover include:
mountaineering over 3 500m
(and/or mountaineering that
necessitates the use of
crampons, ropes, ice axes
and/or oxygen), rugby, touring
on a motorcycle (engine
capacity of over 500cc),
boxing, cage fighting, roller
derby, and professional sport
of any kind (except what is
excluded entirely).
TIC will not pay for
any claim arising from
participation in any of these
activities: hunting, sky diving,
cliff diving, free diving, cave
diving, parachuting, hang
gliding, tow-in surfing, BMX
riding/racing, motor racing,
horse racing, white water
rafting levels 5 and 6, and
climbing Mount Everest past
base camp.
