What classifies as “adverse weather”?

We dug through our policy and found the clause, so you don’t have to:

“Adverse weather is defined as weather conditions which: Occur on the days of the insured event and which are deemed by the organiser of the insured to event reasonable to pose a serious threat to the safety of any participant or those attending the insured event, and/or

1. Occur during the period of insurance and which result in conditions which the relevant authority or government agency consider to pose a serious threat to the safety of any participant or those attending the insured event, and/or
2. Occur during the period of insurance and which, despite using their best endeavours and taking all reasonable and necessary steps, prevent the insured or the organiser of the insured event from undertaking the necessary set up to enable the insured event to proceed due to;

           2.1. Concern for the safety of those responsible for the necessary set up and/or

           2.2. Reason of physical impossibility

3. Occur on the days of the insured event and where the insured event is conducted under defined sporting rules or laws and in the opinion of the umpire/referee or the match official(s) the insured event cannot proceed as required under the defined sporting rules or laws.”

But what does all this legalese really mean?

Rain, wind, hail, thunder, lightning, snow... when it comes to Mother Nature, anything can happen.

When weather conditions, such as those mentioned above, reach a tipping point and would cause an event to become dangerous, or its continuation reckless, then they are considered to be adverse.

So a little rain would not be classified as adverse weather, but a flooded venue due to excessive rainfall would be.

If you have any questions about adverse weather contact us.