Pre-paid charges are costs you have paid, or are contracted to pay, before travelling.
These can include:
Car hire and car parking.
Airport accommodation and airport lounge access.
Kennel and cattery fees.
Pre-booked excursions.
Golf green fees, ski school fees, lift passes and hired sports equipment.
Sports and activity-related charges are only covered where your policy covers the relevant activity.
In particular:
Winter Sports cover is required for ski school fees, lift passes and hired ski equipment.
Golf cover is required for green fees and hired golf equipment.
Pre-paid charges may be claimable if you need to cancel or cut short your trip for a covered reason, subject to the relevant policy conditions.
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.