Holiday Policy Language: Christmas 2019

It’s time for another edition of holiday policy language, especially for Christmas 2019. This time, I felt it necessary to address a modern affliction that many people deal with. Some people love this time of year while others simply get through it. I’m convinced that the main reason that some deal with this time of year is TV.

There are channels that dedicate their programming to Christmas and other fall and winter holidays. While a great Christmas movie (such as It’s a Wonderful Life, White Christmas, or A Charlie Brown Christmas) is an event to gather the family around, the other holiday movie selections may not be that iconic. In truth, on some channels, you could watch Christmas themed movies all day every day from about November 1 through the end of the year and no one would say that any of those movies is iconic, classic, or even great.

It’s in that spirit that we propose the following additional coverage extension.

Extension of Coverage: Holiday Movie Overload

This endorsement changes coverage in several ways. Please read the entire endorsement to determine the existence and extent of coverage.

Definitions

“Holiday movie” means any motion picture of no less than 90 minutes’ duration with a year-end holiday theme, including, but not limited to Christmas, Hanukkah, and New Year’s Eve. A “holiday movie” may be a movie that originally was released in theaters, but now plays every year on television. “Made-for-TV” “holiday movies” include, but are not limited to, any network channel, cable channel, or streaming or download service.

“Holiday movie” does not include the following:

When a “holiday movie” overload occurs, the person or people who are experiencing “holiday movie” overload must state that they are experiencing “holiday movie” overload. This must be done in one of the following ways:

Falling asleep, watching YouTube, playing video games, or scanning social media during the “holiday movie” are not considered “holiday movie” overload.

Covered Expenses

Once one of the preceding statements has been made, the following coverage extensions apply.

However, this coverage extension does not include coverage for any “bodily injury” or “property damage” related to the fight that happens after anyone declares a “holiday movie” overload, unless you did go to one of your sibling’s houses and they were watching a “holiday movie”, too.

This coverage extension is limited to one event per person per holiday season.

Additional premium may apply.

We hope that you’ve enjoyed this edition of holiday policy language and remember friends. Please remember that it’s a joke and no coverage is offered or provided by reading this blog. No insurance companies (that I know of) would provide this coverage anyway.

May you and your experience the love of family, friends, and food during this time of year.

Merry Christmas