We believe, our protocol is reasonable for this purpose
7.2 An Event Outside Our Control means any act or event beyond Our reasonable control, including without limitation strikes, lock-outs or other industrial action by third parties, civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war, fire, explosion, storm, flood, earthquake, subsidence, epidemic or other natural disaster, failure of public or private telecommunications networks or travel disruption caused by the delay and/or cancellation of the Isle of Man Steam Packet Companys sailings to and from the Isle of Man
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The same can be said for smoke