NEW YORK -- With Bonnie and Danielle stirring up trouble and future storms just a few gathering clouds away, some Caribbean resorts continue to guarantee agents that their vacationing clients will not be financially soaked if a hurricane hits.

Through Nov. 30, Sandals Resorts International, SuperClubs and hoteliers in the Bahamas again are offering versions of hurricane insurance.

The Four Seasons Resort on Nevis has a similar vacation guarantee in effect during September.

Sandals' Blue Chip Ultra Hurricane Guarantee, first introduced in May 1997, replaces a vacation for free if a hurricane ruins or interrupts a guest's stay at one of its resorts. The replacement trip, which includes air fare, is valid for the same duration as the original stay and in the same room category as the original, regardless of how many days were disrupted by a storm. Replacement trips are on a space-available basis, subject to certain blackout dates, and must be taken within one year of the date of the hurricane.

SuperClubs' No Hurricane Guarantee, first offered two years ago, reimburses guests for the disrupted nights if a hurricane strikes the resort. In addition, a voucher for a future stay for the same number of disrupted nights is valid during the same month the following year, excluding air fare.

Hoteliers in the Bahamas adopted a policy in October 1996 that permits vacationers to use their deposit or payment at a hotel for a future stay in the event of a hurricane.

Also, guests who cannot get to the Bahamas because of bad weather get a full refund on their deposit. "We cannot control Mother Nature, but we can make sure there is no confusion about what travelers can expect in terms of a refund," said Vincent Vanderpool-Wallace, director general of the Ministry of Tourism.

The hurricane guarantees have yet to be put to the test. The past two years have been relatively storm free on islands where Sandals and SuperClubs have properties. However, Danielle, the fourth tropical storm of the Atlantic hurricane season, is posing a threat in the Caribbean.

The Atlantic Basin typically has nine tropical storms each year, with six of them classified as hurricanes and two of them intense (with winds of over 115 mph). In 1997, there were seven named storms, three hurricanes and one intense hurricane.

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