Trip Delay

We will reimburse Reasonable Additional Expenses for Trip Delay, subject to the maximum shown in the Policy Schedule or the Schedule of Benefits (refer to 'Schedule of Benefits' of this Policy), if Your Trip is delayed for more than 12 hours due to a Covered Hazard.

Covered hazards

• Delay of a Common Carrier caused by Inclement Weather; or
• Delay due to a Strike or other job action by employees of a Common Carrier scheduled to be used by You during Your Trip; or
• Delay caused by Equipment Failure of a Common Carrier

Definitions

Equipment failure - means any sudden, unforeseen breakdown in the Common Carrier's equipment that caused a delay or interruption of normal trips.

Inclement weather - means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier.

Strike - means any labor disagreement which interferes with the normal departure and arrival of a Common Carrier, and is defined as legal by the relevant authorities in the respective countries.

Reasonable additional expense - means any expenses for meals and lodging which were necessarily incurred as the result of a covered hazard and which were not provided by the Common Carrier or any other party free of charge.

Exclusion
In addition to the General Exclusions listed in this Policy this coverage section shall not cover any delay due to an insured Covered Hazard which was made public or known to You prior to the purchase of this Policy.