Ski Insurance 2011/2012

The cover is underwritten by Travel & General Insurance Company Plc except section K (Legal expenses), which is underwritten by DAS Legal Expenses Insurance Company Limited. Both insurers are authorised and regulated by the Financial Services Authority.

Taking out our Ski Insurance

We believe that it is fundamental to the success of any holiday that adequate comprehensive insurance is arranged before you leave home. With this in mind, we have arranged a cover, which we believe is well-suited to your needs. We insist that every person travelling on our arrangements takes adequate insurance and while we do not insist you arrange cover through our company we do require proof that adequate insurance is in place.

Our comprehensive holiday package insurance is arranged by Travel and General Insurance Company PLC. It covers personal accident, medical expenses, personal baggage and money, etc. We have a dedicated ski insurance policy that also covers off-piste skiing/snowboarding; providing you stay within the boundaries of a recognised resort area and that you do not ski against local authority advice.

For those travelling abroad more regularly you may prefer to save money with our European or World-wide Annual insurance. They cover winter sports and include travel on business or pleasure. With any of our insurance you can receive a full refund if after receiving the policy and not having made a claim you wish to cancel the insurance within fourteen days. Benefits of cover are detailed below with premiums and benefits.

The schedule of the cover below sets out a summary of the cover provided by our tailored insurance. The cover is underwritten by International Insurance Company of Hannover Limited (IICH) who are authorised and regulated by the Financial Services Authority. Peak Retreats Limited is an Appointed Representative of Travel & General Insurance Company plc (firm number: 478850) full details of which can be found on the FSA website (www.fsa.gov.uk).

We can now provide cover for EU residents inc. annual multi trip policies

Single trip policy

Annual multi-trip insurance

If you travel more than two or three times each year, our annual multi-trip policy is excellent value for money. Our policy offers great flexibility and a number of important advantages.

·         Winter sports cover (up to 17 days)

·         Covers journeys up to 31 days

·         Cover for adult members of the family to travel independently

·         1 Aged 18-65 years on departure

·         2 Under 18; Infants under 2 on departure - free

·         3 2 adults and up to 4 children under 18 in full time education

·         4 2 adults living at same address and single parent (1 adult + 1 child under 18yrs)

·         5 Aged 66 to 70 years on departure (in brackets, aged 71-75 years)

Summary of benefits for you and your family

(if applicable) - Please see the policy document for other limits that may apply.

Provision of a 24 hour emergency telephone service 365 days a year

For cancellation claims, only two excesses will be deducted for a family.

Like all insurance policies there are definitions and exclusions so we urge you to read the exact policy wording when you receive it.

Please select here to download a copy of the insurance document (PDF format).

Health

The insurance contains conditions that relate to your health and that of others not necessarily travelling with you but upon whose health the trip may depend. In particular, pre-existing medical problems may not always be covered and you may be required to contact our Insurers' medical helpline. Should this be the case and you would like consideration to be given to include your medical condition, please contact Health Check on 0845 408 0585 (within 14 days of taking the insurance) quoting the scheme reference number and validation certificate number. They will ask you a number of questions relating to your condition and confirm that cover can be given and if any restrictions are imposed.

Should you have any very specific query concerning the cover provided or if in any doubt, please contact our brokers directly:

Travel and General Insurance Company PLC

Level 1, Tower 42

Old Broad Street

London

EC2N 1HQ

Important Information:

Under the ABI Code of Practice, we are required to draw to your attention certain important features of your policy as follows.

POLICY DOCUMENT: you should read the document carefully. It gives you full details of what is and what is not covered and the conditions of the cover. Cover will vary from policy to policy and Insurer to Insurer.

CONDITIONS, EXCLUSIONS & WARRANTIES: conditions and exclusions will apply to individual sections of your policy whilst general exclusions, conditions & warranties will apply to the whole of your policy.

HEALTH: your policy may contain restrictions regarding pre-existing medical problems concerning the health of the people travelling and of the people upon whose health the trip will depend. You are advised to read our policy carefully.

Please bear in mind that in France rescue services for skiers are chargeable and payment must be made on site following a rescue.

The rescue service includes locating casualties, properly securing them in order to remove them from the slopes, transporting them to a medical practice, returning their ski equipment and compiling a detailed report of the rescue operation. 

An example of  prices for rescue services is as follows:

- Adjacent zone, unaccompanied............................................. 100 €

- Assistance  and evacuation by ski lift ........................................255 €

- Assistance and evacuation by helicopter.....................................649 € minimum depending on destination

DANGEROUS SPORTS OR PASTIMES: if you are going to take part in dangerous sports or pastimes where there is a high risk of injury, check that your policy covers you.

PROPERTY CLAIMS: these claims are paid based on the value of the goods at the time you lose or damage them and not on a "new for old" or replacement cost basis.

POLICY LIMITS: most sections of your policy have limits on the amount the insurer will pay under that section. Some sections also include other specific limits, for example: for any one item or for valuables in total. You are advised to check your policy if you intend taking expensive items with you.

POLICY EXCESSES: under most sections of the policy claims will be subject to an excess. This means that you will be responsible for paying the first part of the claim. The amount you have to pay is the excess.

REASONABLE CARE: you need to take all reasonable care to protect yourself and your property.

COMPLAINTS: your insurance policy will have in it a complaints procedure which tells you what steps you can take if you wish to make a complaint.

"COOLING OFF" PERIOD: your policy contains a cooling off period during which you can return the policy and get a refund, if you have a justifiable reason for being dissatisfied with the cover that it provides.

Your policy is governed by the law in the country that you reside in within the United Kingdom, unless otherwise stated on your policy.

The identity of the insurer or insurers will be shown on the policy document.

Important Declaration

An insurance policy can only provide cover in respect of an event/occurrence which is sudden, unforeseen and beyond your reasonable control. Therefore any facts known to you, which could possibly result in you having to make a claim, must be disclosed otherwise you may not be covered. In addition, anyone named as insured under this policy must be able to make the following declaration (The legal guardian must make the declaration for anyone under the age of 18 years old):

1. I am not receiving treatment, including regular medication, within the last 12 months for any condition, nor at any time for any heart related or cancerous condition;

2. I have not been seen by a specialist nor been admitted to a hospital overnight in the last 12 months (other than for regular check ups);

3. I have not been diagnosed by a registered general practitioner as having a terminal condition;

4. I am not waiting for, nor have the knowledge of, the need for an operation, hospital consultation nor any other treatment (including regular medication) nor investigations including the results of a routine test;

5. I do not have any other pre-existing and on-going medical condition(s) that could reasonably be anticipated to give rise to a complication needing medical intervention prior to or during a journey (if in doubt check with your general practitioner);

6. I am not aware of anybody for whom I would be covered for cancellation and curtailment, such as immediate family or travelling companions, suffering from any pre-existing medical condition(s) that may cause me to cancel or cut short my journey;

7. I do not know of any circumstances that could reasonably be expected to give rise to a claim under this policy.

If you cannot make this declaration when you take out the insurance, you must contact Healthcheck on 0845 408 0585.

A policy document that fully defines the cover, conditions and exclusions will be sent to you with your booking confirmation. When you receive your policy, please take the time to read it carefully to ensure you understand what is and what is not covered and that all activities that you may wish to participate in are included. If it does not meet your requirements, please return the policy, proof of premium and any other relevant documents to us within 14 days of receipt and we will refund the premium in full, provided you have not travelled or made a claim.

Failure to comply with the terms & conditions of the policy may result in cover being restricted.

PLEASE MAKE SURE YOU READ YOUR POLICY CAREFULLY.

If you have a complaint and it is about something other than a claim, please contact Peak Retreats Limited. They will try to resolve your complaint immediately, but if they are unable to do so, you may write to: The Underwriter, Travel & General Insurance Company plc, Level 1, Tower 42, Old Broad Street, London EC2N 1HQ.

Please always give details of the policy and complaint, together with the claims reference number; your case will be reviewed and replied to in writing.

If you are not happy with the outcome of the stages detailed above, you may refer your complaint to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London. E14 9SR. Please note that the Ombudsman will not normally review your case until such time we have made our final decision. Please give us the opportunity to handle your complaint before referring things to the Ombudsman.

Call us on 0844 576 0175 or email us at reservations@skicollection.co.uk to book your ski insurance.

Updated 03/02/12