Insured for adventure

Document Sample
Insured for adventure Powered By Docstoc
					Travel insurance guide
    and policy wording

Insured for adventure




                  Version 01/2011
                                                 Your Snowcard Insurance Policy

Your demands and needs
This policy is intended for persons travelling on recreational activity holidays.   CONTENTS
Your demands and needs are those of a traveller requiring emergency medical,
rescue and repatriation cover. You may also wish to insure your personal            Contract of travel insurance                    4
belongings and/or certain travel contingencies such as cancellation, delay
or missed departure. It covers many eventualities but not necessarily all risks     Definitions                                     6
you may encounter.
                                                                                    Health declaration                              7
Thanks to the loyal support of our valued clients over the years Snowcard
is now established as one of the leading specialist activity travel insurance       Medical, repatriation and
providers.                                                                          other expenses                                  8

Travel Insurance has often been trivialised and its importance should never         Personal belonging and
be under estimated. Of all of the kit you buy for your chosen activity, your        equipment                                  10
travel insurance should be looked at as one of the most important items.
                                                                                    If a trip is cancelled
Thank you for continuing to support our scheme, which exists to support
                                                                                    or cut short                               12
your needs.

                                                                                    Legal expenses                             14

                                                                                    General conditions                         16       3

                                                                                    Data protection notice                     18

                                                                                    Emergencies                                18
Russell Dadson ACII,
Director
                                                                                    YOUR ACTIVITY INSURANCE
                                                                                    All insurance policies contain restrictions
                                                                                    and exclusions which you should be aware
Snowcard Insurance Services Limited                                                 of. It is important that you read this policy
The Long Barn                                                                       carefully because it is the basis upon which
Manor Farm Business Park                                                            Ageas Insurance settles any claim. Please
Appletree Road                                                                      make sure that the cover meets your needs
Chipping Warden                                                                     and that you can make the declaration on
Oxfordshire, OX17 1LH                                                               page 7 and agree to Condition 1 of ‘General
                                                                                    conditions’ on page 16. If you need more
T: 01295 660836                                                                     advice, please contact Snowcard Insurance
                                                                                    Services Limited on 01295 660836,
assistance@snowcard.co.uk
                                                                                    or email assistance@snowcard.co.uk
www.snowcard.co.uk
                                                                                    Snowcard Insurance is designed to cover
                                                                                    many events that may happen, but we cannot
                                                                                    cover all expenses and possibilities.

                                                                                    Ageas Insurance Limited and
                                                                                    Snowcard Insurance Services Limited
                                                                                    are authorised and regulated by the
                                                                                    Financial Services Authority.
    Contract of travel insurance

    Important information
    PLEASE READ ALL OF THIS POLICY                          DANGEROUS ACTIVITIES                                   MAKING A CLAIM
    CAREFULLY, ESPECIALLY THE                               If you are going to take part in any activity which    To help us deal with your claim quickly and
    DECLARATION ON PAGE 7                                   may be considered dangerous, please read               efficiently, please read the claims procedure on
    You must meet the conditions or your claim will         the activities list (see www.snowcard.co.uk)           page 16 of the general conditions. This explains
    not be accepted. This insurance is designed to          to make sure your activity can be covered.             what documents you will need to support your
    cover most events that could affect your trip, but      If your activity is not mentioned please contact       claim. You must collect some of the proof you
    there are certain things that are not covered.          Snowcard Insurance Services Ltd to confirm             need, for example a police report, while you are
                                                            whether or not you can be covered.                     away from home. The general condition on page
    DECLARATION                                                                                                    16 explain when you will need this kind of proof.
    This insurance policy contains a declaration which
                                                            PREMIUM REFUND
    is set out on page 7. You must tell us about
                                                            If you are not satisfied with this policy and have     GEOGRAPHICAL LIMITS
    anything we have asked in the declaration which
    may affect this insurance policy. If you are not sure   not taken a trip protected by the cover provided       European region includes the British Isles,
    what you should declare, please talk to Snowcard        and have not made a claim against the policy and;      Madeira, Canary Islands, Turkey, Egypt, Israel,
    Insurance Services Limited, who will then contact       there has been no incident likely to give rise to      Morocco and countries bordering the
    us for you.                                             a claim (such as the cancellation of a booked trip),   Mediterranean Sea, Iceland, Scandinavian
                                                            you can cancel this policy within 14 days from the     countries and Russian states west of the Urals.
                                                            date you receive the policy wording and policy         Worldwide region – all other countries but please
    LIMIT OF COVER                                          schedule. We will then refund your premium in          note we do not cover Arctic expeditions or travel
    Each section of the personal insurance cover            full (less Snowcard’s cancellation administration      to Antarctica.
    shows the most you can claim, but other limits may      charge). We will not refund your premium after
    apply. For example, under the Personal Belongings       the 14 day period. If you have a single trip policy,
                                                                                                                   WHAT TO DO IN A MEDICAL EMERGENCY
    section, the overall limit is stated on the insurance   we will only refund your premium if the period
                                                                                                                   In a medical emergency, contact Assistance
4   schedule but there is a limit of £350 for any single    from the date we issued the policy until your
                                                                                                                   International for help. Please read the back
    item and a total limit of £350 for all valuables.       scheduled return date home is greater than
    We will work out how much we will pay you for           28 days. For both single trip and annual multi trip    of this policy for details and refer to your
    baggage claims based on the value of the items at       no refund of premium will be available after the       Snowcard assistance card, which shows the
    the time of the loss, not the cost of replacing them.   14 days. If you want to cancel your policy please      24 hour emergency help telephone number
                                                            contact Snowcard Insurance. We or anyone we            to call from abroad.
                                                            authorise can cancel this policy at anytime by
    LOOKING AFTER YOUR BELONGINGS
                                                            sending you 14 days notice in writing. We will send
    Many claims for loss or theft are caused by people
                                                            this notice to the last known address we have for
    being careless with their belongings. If you do
                                                            you. We will refund your premium for the time that
    not take good care of your belongings, it can be
                                                            was left on your policy as long as you have not
    upsetting and inconvenient for you and we may
                                                            made a claim.
    not pay your claim.

                                                            EXCESSES
                                                            We will take off an excess (as stated on the
                                                            insurance schedule) from each claim you make
                                                            under certain sections of this insurance policy
                                                            unless you have paid the additional premium to
                                                            remove the policy excess. The amount you will
                                                            have to pay towards a claim is shown under each
                                                            section. Please note that if you pay an additional
                                                            premium to reduce or remove the excess, this
                                                            does not apply to the Personal Liability section,
                                                            where the excess shown will continue to apply.
                                                            If we agree to a medical expenses claim which
                                                            has been reduced by using a European Health
                                                            Insurance Card or private health insurance, the
                                                            excess will not apply.
Loss prevention advice                                 Your insurers and customer service
Although the full claims procedure is detailed on      YOUR INSURERS                                              If your problem has still not been
page 16 please note the following points:              The Insurers are Ageas Insurance Limited and DAS           sorted out
                                                       Legal Expenses Insurance Company Limited for
01. In the event of loss or theft, report the event                                                               STEP 1
                                                       the Legal Expenses section. Ageas Insurance Ltd
    to the police or an appropriate authority within
                                                       and DAS Legal Expenses Insurance Company Ltd               Contact our Customer Service Advisor who will
    24 hours and obtain a report. Failure to do so
                                                       are each authorised and regulated by the Financial         make sure that your complaint is dealt with at
    can prejudice a claim.
                                                       Services Authority.                                        a senior level. You can write to us at the address
02. If baggage is damaged or delayed in transit,                                                                  below or email us through our website at
    obtain a loss report from the baggage                                                                         www.ageas.co.uk/complaints (please include your
    handlers BEFORE leaving the airport.                                                                          policy number and claim number if appropriate).

03. If you carry outsize baggage like bikes, skis,                                                                Customer Services Advisor
    golf clubs etc, check for damage before                                                                       Ageas Insurance Limited
    leaving the airport, it is almost impossible                                                                  Ageas House
    obtaining a damage report once you are home                                                                   Tollgate, Eastleigh
    which may mean you will not be able to make                                                                   Hampshire, SO53 3YA
    a claim.

04. If you self elect to cut short your holiday                                                                   If your complaint is concerning DAS Legal
    without obtaining a medical report or                                                                         Expenses Insurance Company Limited,
    authorisation from your insurer, you may                                                                      please contact them direct at:
    not be covered for curtailment costs.
    Always obtain agreement prior to coming                                                                       Customer Relations Department
    home early.                                                                                                   DAS Legal Expenses Insurance Company Limited
                                                                                                                  DAS House                                                5
05. Keep all receipts for medical and other                                                                       Quay Side
    expenses. Also keep you travel tickets and                                                                    Temple Back
    any other documents relating to your holiday,                                                                 Bristol, BS1 6NH
    they may be required in the event of a claim.
                                                       SERVICE STANDARDS
                                                                                                                  T: 0117 934 0066
06. Do not leave valuables, money, cameras,            We will reply to any letter you send us within two
                                                                                                                  F: 0117 934 2095
    electrical equipment etc unattended or in          working days of receiving it. In our letter we
                                                                                                                  customerrelations@das.co.uk
    a car or tent. They will not be covered.           will tell you who will be dealing with your complaint
                                                       and when you should expect a reply.
07. Ensure when you leave for home you pack                                                                       STEP 2
    your bags and do not leave personal effects                                                                   If this matter has still not been sorted out, you
    behind. Simply forgetting to bring home your       FINANCIAL SERVICES                                         can write to Mark Cliff, Managing Director at the
    belongings is not covered.                         COMPENSATION SCHEME                                        Ageas House address, unless your complaint
                                                       We are covered by the Financial Services                   relates to Legal Expenses Insurance in which
08. Your insurance will only cover genuine
                                                       compensation Scheme (FSCS). If we cannot                   case please contact
    accidental loss or damage and not wear and
                                                       meet our obligations you may be entitled to
    tear, negligent or deliberate acts. Abuse of
                                                       compensation under the scheme. The scheme                  DAS Chief Executive Officer
    travel insurance is a big problem for insurers
                                                       covers at least 90% of any claim with no upper             DAS House
    so keeping your claims to genuine losses will
                                                       limit. For further information see www.fscs.org.uk         Quayside
    help keep premiums at a realistic level.
                                                       or telephone 020 7892 7300.                                Temple Back
                                                                                                                  Bristol, BS1 6NH

                                                       CUSTOMER SERVICE
                                                                                                                  STEP 3
                                                       What to do if you have a complaint                         If you are not satisfied with our final decision or if
                                                                                                                  we have not responded to you within 8 weeks, you
                                                       If you have experienced a problem with any part
                                                                                                                  can write to the Financial Ombudsman Service at:
                                                       of our service, we will sort this out as quickly and
                                                       fairly as possible.
                                                                                                                  Financial Ombudsman Service
                                                                                                                  South Quay Plaza
                                                       What you should do first:                                  183 Marsh Wall
                                                       If your complaint is about the way your policy was         London, E14 9SR
                                                       sold to you, contact Snowcard Insurance to report
                                                       your complaint. If you have a complaint about a            By using this complaints procedure, it will
                                                       claim, call your claims handler first. You will find the   not affect your rights to take legal proceedings.
                                                       claims handler’s name and phone number on any
                                                       letters they have sent you.
    Definitions


    Wherever the following words and phrases appear       VALUABLES:
    in this policy they will always have the meanings     Jewellery, furs, gold and silver items and watches.
    shown below.

                                                          TECHNO PACK:
    PERIOD OF INSURANCE:
                                                          Techno Pack is defined as any photographic
    Other than for annual multi-trip insurance,           or electronic equipment including mp3
    insurance cancellation cover (if shown on your        players, video game players, lap top computers
    insurance schedule) starts on the date of issue       and mobile phones other than clothing, footwear,
    shown on your Insurance Schedule. All other           baggage or valuables which are covered under
    cover begins when you leave home to go on your        the Personal Belongings heading. Avalanche
    trip and lasts until you return home, as long as      transceivers, GPS units, dive computers and
    that is within the period of insurance paid for.      emergency satellite phones are covered under
    For annual multi-trip insurance, cancellation cover   the Activity Equipment heading.
    (if shown on your insurance schedule) starts when
    you book each trip or on the start date shown
                                                          ACTIVITY EQUIPMENT:
    on your Insurance Schedule, if this is later. Cover
    under all other sections of the policy begins when    Any equipment necessary for the pursuit
    you leave home to go on your trip and ends when       of an insured activity including avalanche
    you return home from that trip. Each trip must be     transceivers, GPS units, dive computers and
    shorter than the single trip limit shown on your      emergency satellite phones other than clothing,
    insurance schedule. The start and finish dates        footwear, baggage and valuables which are
    of the trip must fall within the 12 month period      covered under the Personal Belongings section.
    of insurance. Trips in the UK are only covered
6   when there is at least one night’s accommodation      CLOSE RELATIVE:
    which you have booked and paid for in advance.
                                                          Your husband, wife, civil partner, parent,
                                                          parent-in-law, child, brother, sister, fiancé
    EXTENSION:                                            or fiancée.
    We will extend the period of insurance by up to
    30 days at no extra cost if you have to stay away     BUSINESS ASSOCIATE:
    longer because of events which you have no
                                                          Anyone who works at your place of business
    control over. If the transport which you are on is
                                                          and who, if you were both away from work at the
    hijacked, we will automatically provide worldwide
                                                          same time, would prevent the business from
    cover and the period of insurance will continue
                                                          running properly.
    for up to 12 months without extra charge. The
    Declaration and limits of cover apply to each trip
    separately.                                           ACCIDENTAL INJURY:
                                                          Bodily injury caused by accidental external violent
    WE, OUR, US:                                          and visual means. This does not include sickness
                                                          or disease or any naturally occurring condition.
    Ageas Insurance Limited and the other insurers
    shown on page 5.
                                                          KIDNAP:

    YOU, YOUR:                                            The taking away of a person against the
                                                          person’s will, usually to hold the person in
    Each insured person named on the travel
                                                          false imprisonment (confinement without
    insurance schedule for whom the correct
                                                          legal authority) for ransom or in furtherance
    premium has been paid.
                                                          of another crime.

    HOME:
                                                          HIJACK:
    The address where you normally live.
                                                          To illegally take control by force of an aircraft
                                                          or sea vessel you are travelling in and divert
    BOOKED SCHEDULED TRANSPORT:                           it to a different destination.
    The following regular scheduled forms of
    transport: train, coach, bus, aircraft or sea
    vessel which run to a timetable and where you are
    a fare paying passenger, and pre booked taxis.
                                                                                                               Health declaration


This travel insurance policy contains certain            Medical exclusions                                        I declare that I am able to answer ‘No’ to all of the
conditions and exclusions in relation to the health      If at the time of purchasing this policy, and when        above questions. If you can agree this declaration
of the insured persons. It is essential that at          booking a trip under an annual multi-trip policy,         any existing medical conditions will be covered by
the time of taking out this policy and when booking      anyone insured under this policy answers `Yes’            this policy.
a trip under an annual multi-trip policy you are         to any of the following questions, this policy will
able to make the following declaration in relation       not provide cover for any claim arising directly          Changes to your health (applies to Annual Multi-trip
to yourself and each insured person. If you agree        or indirectly from that condition.                        policies only) If there is a change in the health of
to this declaration knowing that any part of it is                                                                 anyone insured under this policy (after you have
untrue then we reserve the right to cancel the           01. Is anyone waiting for an operation, post              taken out this insurance or booked a trip, but
policy or refuse to deal with any claim arising              operative check up, any other hospital                before you travel, or book a further trip), you must
or to reduce the amount of any claim paid.                   treatment or any medical investigations,              email or call Snowcard on assistance@snowcard.
If you have any doubts in relation to this declaration       tests or test results (for anything other             co.uk / 01295 660836. They will tell you if the
then you must contact Snowcard Insurance                     than pregnancy)?                                      change in your health will affect your insurance and
who will advise you.                                     02. Is anyone waiting for a consultation with             if cover can continue for further trips you wish to
                                                             a hospital doctor for any medical condition           book. If cover cannot continue, you may be entitled
                                                             or set of symptoms, other than for regular            to claim for the cost of cancelling your pre-booked
                                                             check-ups for a stable condition?                     travel arrangements. Insurers reserve the right
                                                                                                                   to amend the terms of your policy, or cancel it
                                                         03. Does anyone have a condition for which                providing you with a pro-rata refund of premium.
                                                             a terminal prognosis has been given?                  If, at the time of taking out this insurance (or book-
                                                                                                                   ing the trip if this was later) your close relative,
                                                         04. Is anyone travelling against the advice of
                                                                                                                   business associate or travel companion had a
                                                             a doctor, or in order to obtain medical advice
                                                                                                                   medical condition for which he or she:
                                                             or treatment abroad?
                                                                                                                       • was receiving treatment at hospital
                                                                                                                                                                            7
                                                         Health questions                                                (other than where they go to hospital
                                                                                                                         for check-ups for a stable condition,
                                                         If anyone insured under this policy answers
                                                                                                                         at regular intervals which have been
                                                         ‘Yes’ to any of the following questions when this
                                                                                                                         arranged beforehand)
                                                         insurance is purchased, and when booking a trip
                                                         under an annual multi-trip policy if later, this policy       • was waiting for a hospital consultation,
                                                         will not cover any claim arising directly or indirectly         investigations or treatment (other than
                                                         from that condition, unless we have agreed in                   where they go to hospital for checkups
                                                         writing to cover it. To see if we can provide cover             for a stable condition, at regular intervals
                                                         for your existing conditions(s) you must email or               which have been arranged beforehand)
                                                         call Snowcard on assistance@snowcard.co.uk /
                                                                                                                       • had been given a terminal prognosis,
                                                         01295 660836.
                                                                                                                         or been told that their condition is likely
                                                         01. Has anyone been admitted to hospital                        to get worse in the next 12 months;
                                                             overnight or treated as a day-patient in the
                                                             last 12 months?                                       We will not pay for any claim you (or any insured
                                                                                                                   person) make, that has anything to do with the
                                                         02. Has anyone ever been diagnosed with
                                                                                                                   medical condition of that close relative, business
                                                             or received treatment for any heart/cardiac
                                                                                                                   associate or travel companion.
                                                             problem, stroke, TIA, or circulatory
                                                             condition (including high blood pressure,
                                                             unless stable and controlled by no more
                                                             than one prescribed medication)?

                                                         03. Does anyone have a breathing condition for
                                                             which they take more than two prescribed
                                                             medications, or which has ever required the
                                                             use of supplementary oxygen or the use
                                                             of a nebulizer?

                                                         04. Has any insured person with a breathing
                                                             or circulatory condition had their medication
                                                             changed in the last 6 months?

                                                         05. Has any insured person been diagnosed with
                                                             or had any treatment in the last 5 years for any
                                                             type of cancer, leukaemia or brain tumour?

                                                         06. Has any insured person ever had an organ
                                                             transplant, been on kidney dialysis, had
                                                             diabetes, dementia or any other psychiatric
                                                             or psychological illness?
    Medical, repatriation and other expenses

    What you ARE covered for (applicable to all policies)
    Medical, repatriation and other expenses;              06. Search and Rescue expenses: search                  Personal liability; up to £2 million
    up to £10 million                                          and rescue expenses which are necessary,            If you accidentally injure someone or damage
    You will be covered for the following expenses             including by helicopter, up to £100,000             someone else’s property during the period
    caused by your becoming ill, being injured                 if one of the following occurs during the           of insurance, you will be covered for your
    or dying during the period of insurance, as long           period of insurance;                                legal liability:
    as the expenses are necessary and the costs
                                                               a. You are injured, fall ill or die.                01. to people who do not work for you and
    reasonable:
                                                                                                                       who are not your travelling companions
                                                               b. Weather or safety conditions are such that
    01. a. Medical: expenses you would have to                                                                         or members of your family; and
                                                                  it becomes necessary for the rescue or
           pay outside the United Kingdom and the
                                                                  police authorities or your professional guide    02. for accidental damage to property which
           country where you normally live with in
                                                                  to instigate a search and rescue operation           is not owned or being looked after by you
           12 months of the start of your illness or
                                                                  to prevent injury or illness or further danger       or a member of your family.
           injury for medical, surgical and hospital
                                                                  to human life.
           charges, emergency dental treatment
                                                                                                                   For accidental damage to rented holiday
           (for pain relief), decompression treatment,
                                                           Ski Pack (lessons, hire, lift pass),                    accommodation, we will pay up to £100,000 for
           ambulance (including return to holiday
                                                           Dive Pack (pre-booked dives, courses                    a single incident which you are legally responsible
           accommodation by ambulance or taxi
                                                           and hire), Golf Pack (lessons, green fees),             for. This cover includes legal expenses which you
           if no other means of transport is available),
                                                           Activity Pack (lessons, courses and hire);              have paid with our permission.
           nursing homes and nursing;
                                                           up to £300
        b. Repatriation: the extra cost of returning
                                                           If you fall ill or are injured during the period of
           to your home;
                                                           insurance, you will be covered for the costs of the
        c. extra additional accommodation (room            part of the ski/dive/golf/activity pack that you are
                                                           not able to use.
8          only) expenses;

        d. extra travel and accommodation (room
           only) expenses for one person who either        Hospital benefit; up to £1000
           has to stay with you or has to travel from      If you fall ill or are injured during the period of
           the British Isles to escort you home if you     insurance you will receive £20 for each full 24
           are seriously ill or injured;                   hours that you spend as an in-patient in a hospital
                                                           outside the United Kingdom and the country where
        e. the extra cost of funeral expenses abroad
                                                           you normally live. Note: Any amount you receive
           or of bringing your body or ashes home;
                                                           under this section will be on top of any amount that
    02. You will be covered for extra travel expenses      you receive under the Medical & Other Expenses
        which are reasonable and necessary if you          section. You can use this cover to help pay for
        have to return home early because a close          out-of-pocket expenses such as taxi fares and
        relative or business associate is seriously ill,   phone calls paid for by you or someone travelling
        injured or dies during the period of insurance.    with you while you are in hospital.

    03. Physiotherapy and dental treatment benefit:
        if you suffer an accidental injury while you are   Personal accident; up to £25,000
        on your trip as a direct result of an insured      If during the period of insurance you are
        accident you can claim up to £500 in total         accidentally injured and lose your sight, lose
        for physiotherapy or dental treatment in the       a limb, become completely disabled or die
        United Kingdom.                                    within 12 months, only as a result of the accident,
                                                           you can claim one of the following amounts:
    04. Early return home benefit: if you suffer a minor
        injury while you are on your trip that does        01. Death £5,000
        not require repatriation on the advice of
                                                           02. Loss of one or more limbs £25,000. Loss
        a medical practitioner, you can claim up to
                                                               of one or more limbs at or above the wrist
        £250 towards a flight home if your injury
                                                               or ankle, or permanent loss of all sight in one
        means you are unable to reasonably continue
                                                               or both eyes £25,000
        with your holiday.
                                                           03. Permanent and complete disability £25,000.
    05. Car hire return benefit: if you are injured
        or ill and you are not medically fit to drive
                                                           Permanent and complete disability which means
        your hire car and no other person travelling
                                                           that you cannot do any kind of paid work.
        with you is able to drive the car under the hire
        agreement, you can claim up to £250 towards
        any costs you incur from the car hire company        NOTE: For children under 18 years of age the
        in returning the hire car to its designated          death benefit is limited to £1,000. For people
        return point.                                        aged 65 or over, cover is limited to 01) and
                                                             02) only. Death or injury as a result of terrorism
                                                             is limited to £5000 under sections 01), 02)
                                                             and 03).
                                  Medical, repatriation and other expenses

What you are NOT covered for
As well as the general conditions on pages 16-17,        Conditions                                             Additional conditions for early return
the following exclusions and conditions apply:                                                                  home benefit:
                                                         01. If you go into hospital and are likely to be
01. You are not covered for claims arising directly          in for more than 48 hours, or you have to          01. Arrangements for any early return home
    or indirectly by:                                        return home early, someone must contact                must be notified to and agreed by Assistance
                                                             Assistance International for you immediately.          International who may be able to help make
    a. activities other than those for which the
       appropriate premium has been paid, riding                                                                    the arrangements on your behalf.
                                                         02. You must not arrange to be taken home
       or driving in any kind of race, flying except         without our permission. Our medical advisers       02. Your claim must be supported by a doctors
       if you are travelling as a passenger in a fully       will consult the doctors treating you to decide        letter confirming your injury prevents you from
       licensed passenger carrying aircraft, or any          whether it is necessary.                               reasonably continuing with your planned
       other dangerous activity;                                                                                    holiday activities.
                                                         03. We may instruct you to return if our medical
    b. deliberately putting yourself at risk unless          advisers and the doctors treating you decide       03. If you claim under this section of the policy,
       you are trying to save someone’s life;                that you are fit to travel.                            you cannot also claim under the Cancellation
    c. your taking part in manual work in                                                                           and cutting short your trip section. This cover
       connection with profession, business                                                                         only applies to the person who has the injury.
                                                         Additional exclusions for personal accident
       or trade;                                                                                                    This cover will end 48 hours before your
                                                         01. You are not covered under this section                 scheduled return to your home.
    d. your suicide or attempted suicide,                    for any claim if:
       deliberately injuring yourself, solvent abuse
                                                             a. it was caused by medical or surgical            Additional conditions for car hire
       or the effect of alcohol or drugs;
                                                                treatment, unless it was necessary after        return benefit:
    e. your motorcycling, as either driver or                   the accident; or                                You must be able to provide receipts from the car
       passenger of a motorcycle which is more                                                                  hire company for the additional expenses incurred.
       than 125cc, unless the driver holds a                 b. at the time of the accident, you were                                                                 9
       current licence which allows them to ride                under the influence of alcohol or drugs,
       a motorcycle of more than 125cc;                         unless the drugs were prescribed by             Additional conditions for search
                                                                and taken on the instructions of a doctor,      and rescue expenses:
    f. a medical condition for which you know you               except to treat drug addiction.
       need or are receiving in-patient treatment                                                               01. Expenses are only payable for your proportion
       at a hospital or nursing home, unless you         02. You are not covered if the accident was                of a search and rescue operation.
       told us about the condition and we agreed             caused by a medical condition that existed
                                                                                                                02. You must comply at all times with local safety
       to provide cover (or for annual cover, at the         before your holiday.
                                                                                                                    advice and adhere to the recommendations
       time of booking any trip); or
                                                                                                                    prevalent at the time.
    g. a terminal illness diagnosed by a registered      Additional exclusions for personal liability
                                                                                                                03. You must not knowingly endanger either
       doctor before the start of the period
                                                         01. This section does not cover liability caused           your own life or those in your party if your
       of insurance unless you told us about the
                                                             directly or indirectly by your owning or using         experience or skill levels fall below those
       illness and we agreed to provide cover
                                                             any aircraft, motorised vehicle, boat (other           required to participate in your activity,
       (or for annual cover, at the time of booking
                                                             than sailing dinghies, canoes, sailboards and          particularly when you are not with a
       any trip).
                                                             surfboards) or any form of motorised leisure           professionally qualified guide or instructor.
02. You are not covered for treatment or surgery             equipment.
                                                                                                                04. Costs will only be covered up to the point
    which our medical advisers and the doctor
                                                         02. This section does not cover employer’s                 where you are recovered by Search and
    treating you believe is not essential or could
                                                             liability or liability caused by your carrying         Rescue or at the time where the Search and
    wait until your return home.
                                                             out contracts, supplying goods and services,           Rescue authorities advise that continuing
03. You are not covered for extra costs for                  or doing your job.                                     the search is no longer viable.
    single-room or private accommodation.
                                                         03. You will not be covered for damage, injury,
04. You are not covered for any treatment you                illness or disease caused directly or indirectly
    receive after you have returned home other               by an infectious disease.
    than that specified under ‘What you are
                                                         04. The first £250 of every claim to do with rented
    covered for’, condition 3 on page 8.
                                                             holiday accommodation will not be paid.
05. We will not pay the excess amount (as shown
    on your insurance schedule) of every claim
                                                         Additional conditions for physiotherapy
    made for each of you unless your claim has
                                                         and dental treatment benefit:
    been reduced because you have used
    a European Health Insurance Card or private          01. Treatment is subject to your having been
    health insurance. (Only applicable to medical,           involved in an insured accident for which
    repatriation and others expenses).                       the insurers agree to cover the expenses.

                                                         02. You must obtain a letter from your GP
                                                             confirming that the treatment is necessary
                                                             as a result of the insured accident.
     Personal belongings and equipment

     What you ARE covered for (if shown on insurance schedule)
     Personal belongings; up to the amount                 Equipment hire; up to £500
     shown on the insurance schedule                       If your own snowsport, activity equipment, dive
     If you accidentally lose your personal belongings,    or golf equipment is lost, stolen or damaged,
     or if they are stolen or damaged, you can claim       you will be covered for the reasonable cost of
     up to the amount shown on your insurance              hiring ski or activity equipment up to £50 a day.
     schedule to replace or repair them. We will take
     an amount off for wear and tear and loss of value.
                                                           Temporary loss of personal belongings;
     There is a limit of £350 for one item, pair or set.
                                                           up to £250
     The overall limit for valuables, compact discs
                                                           If your personal belongings are temporarily lost
     and pre-recorded audiotapes is £350.
                                                           for more than 12 hours on your outward journey,
                                                           you can claim up to £250 for the things you need
     Snow sports, activity, dive and golf equipment
                                                           to buy.
     is covered separately, see below.

                                                           Money and documents; up to £500
     Techno pack; up to the amount shown on
     the insurance schedule                                We will repay you if you lose any of the following
                                                           or they are stolen: your bank notes, coins,
     Subject to the appropriate premium having been
                                                           traveller’s cheques, travel tickets, admission
     paid you will be covered for the replacement cost
                                                           tickets, meal vouchers, ski lift pass and passport.
     (after allowing for wear, tear and loss of value)
                                                           There is a limit for cash of £300 for each adult
     of your photographic equipment, mp3 player,
                                                           and £50 for each child under 16. This cover starts
     video game player, lap top computer, mobile
                                                           from the time you get the money or documents
     phone if it is lost, stolen or damaged.
                                                           or 72 hours before you leave home to go on your
10                                                         trip, whichever is the later.
       NOTE: Techno Pack is defined as any
       photographic or electronic equipment other
       than clothing, footwear, baggage or valuables       Loss of passport; up to £500
       which are covered under the Personal                You will be covered for all necessary and
       Belongings heading. Avalanche transceivers,         reasonable extra travel and accommodation
       GPS units, dive computers and emergency             expenses involved in getting a replacement
       satellite phones are covered under the              passport if it is lost or stolen during the period
       Activity Equipment heading.                         of insurance.


     Snowsport/activity/dive/golf equipment;
     up to the amount shown on the insurance
     schedule
     Subject to the appropriate premium having been
     paid you will be covered for the replacement
     cost (after allowing for wear, tear and loss of
     value) of your snowsport equipment (snowboard
     or skis including bindings, boots and poles),
     activity equipment, dive or golf equipment if it is
     lost, stolen or damaged. The total limit for hired
     equipment which is lost, stolen or damaged
     is £500.


       NOTE: Activity Equipment is defined as any
       equipment necessary for the pursuit of an
       insured activity other than clothing, footwear,
       baggage and valuables which are covered
       under the Personal Belongings heading. Ski
       Lift Passes are included in the cover provided
       by the Money and Documents Section.
                                                     Personal belongings and equipment

What you are NOT covered for
As well as the general conditions on pages 16-17,      02. We will not pay the excess amount (as shown          Additional conditions for temporary loss
the following exclusions and conditions apply:             on your insurance schedule) of every claim
                                                           made for each of you (not applicable to              01. As well as getting an authorised ‘property
01. a. i. Loss, theft or damage to your personal                                                                    irregularity report’ from the carrier or handling
                                                           equipment hire, temporary loss of belongings
          belongings and equipment during your                                                                      agent, you must also write to them within
                                                           and loss of passport).
          outward or return journey if you do not                                                                   21 days of receiving your property back
          get a written ‘carrier’s report’ or a                                                                     to confirm you had to buy replacement items.
          ‘property irregularity report’ in the case   Conditions
          of an airline.                                                                                        02. If your personal belongings are never
                                                       01. You must take proper care of your belongings             found and we agree to pay for permanent
        ii. Loss or theft of your personal                 and act as if you did not have this insurance.           loss, we will take off any amount paid for
            belongings, techno pack, equipment,                                                                     temporary loss.
            money, documents and passport              02. If your claim involves a pair or set (other than
            at any other time if you do not report         skis or golf clubs), we will only pay the value of
            the loss or theft to the police within         the part of the pair or set which is lost, stolen    Additional exclusions for money
            24 hours of discovering it and get             or damaged.                                          and document loss
            a police report from them.                 03. You must keep any damaged property so that           01. Loss of value or shortages caused by mistake;
                                                           we can inspect it. When we make a payment
                                                           for that property, it will then belong to us.        02. Money left in baggage which you have
            NOTE: If you cannot report the
                                                                                                                    checked in to the carrier or which you
            loss or damage to the airline straight     04. You are not covered for claims for which you             do not keep with you, unless it is in locked
            away, you must do so in writing                receive compensation from someone else.                  accommodation, a safety deposit box
            within seven days. If you cannot
                                                                                                                    or a safe.
            obtain a police report because
            of location or language problems,          Additional exclusions for equipment
            report your loss to your tour operator,                                                             Additional exclusions for loss of passport
                                                                                                                                                                        11
                                                       01. a. Loss or damage to snowsport or activity
            hotel manager or other authority                                                                    You are not covered for any expenses arising
                                                              equipment whilst being used for racing,
            and obtain their written notification                                                               after you have returned to the United Kingdom
                                                              race training or competition.
            of the nature of your loss.                                                                         or Channel Islands.
                                                           b. Loss or theft of snowsport, activity, dive
    b. Breakage of or damage to fragile articles,             or golf equipment you are not carrying
                                                                                                                Additional exclusions for Techno pack
       (unless the breakage or damage is caused               with you unless you have kept it in locked
       by a malicious or criminal act) and any other          accommodation or the locked boot of a car         01. a. Loss or damage to techno equipment
       loss or damage caused by the breakage.                 or protected it by using a recommended                   whilst being used during an activity unless
                                                              locking device secured to an immovable                   the equipment was designed for the
    c. Loss or damage caused by delay, wear
                                                              object (this exclusion does not apply to skis            intended purpose.
       and tear, moth, vermin, weather and
                                                              left unattended during the daytime for the
       atmospheric conditions or mechanical                                                                         b. Loss or theft of techno equipment you are
                                                              purpose of obtaining refreshments).
       failure.                                                                                                        not carrying with you unless you have kept
                                                           c. There is no cover for snowsport, activity,               it in locked accommodation or the locked
    d. Loss or theft of or damage to contact
                                                              dive or golf equipment left in an unattended             boot of a car.
       or corneal lenses, unset precious stones,
                                                              vehicle overnight except overnight stops
       securities, deeds, documents or property                                                                     c. There is no cover for techno equipment
                                                              on outward or return journeys. It should
       held for business purposes.                                                                                     left in an unattended vehicle overnight.
                                                              be noted that a car parked next to a tent
    e. Loss or theft of or damage to valuables                in which you are sleeping is not deemed
                                                                                                                    d. Loss or theft of or damage to techno
       if you leave them in baggage which is                  unattended.
                                                                                                                       equipment if you leave it in baggage which
       checked in to the carrier.                                                                                      is checked in to the carrier.
                                                           d. Damage to mountain bikes, canoes and
    f. Loss or theft of or damage to valuables                kayaks when in use including cracking,
                                                                                                                    e. Breakage or damage of techno
       you are not carrying with you unless you               scratching or denting.
                                                                                                                       equipment not used in accordance with
       have kept them in locked accommodation,                                                                         the manufacturer’s instructions.
       a safe, or a safety deposit box.
                                                                                                                    f. Loss or damage of data, photographic
    g. There is no cover for personal belongings                                                                       images, sim cards, storage media,
       left in an unattended vehicle overnight                                                                         recording tapes or memory cards.
       except overnight stops on outward or
       return journeys. It should be noted that a
       car parked next to a tent in which you are
       sleeping is not deemed unattended.
     If your trip is cancelled or cut short

     What you ARE covered for (if shown on insurance schedule)
     If your trip is cancelled; up to the amount            Delay; up to £250 (the amount shown on                   Kidnap and hijack cover:
     shown on the Insurance Schedule                        the Insurance Schedule for cancellation)                 If during the period of insurance you are kidnapped
     We will repay you for expenses you have paid           If the transport on which you are booked as a            or your scheduled transport is hijacked and you
     or legally have to pay for your unused travel,         passenger is delayed or cancelled due to one             are detained against your will for a period of more
     accommodation and fees for instruction/guiding         of the following reasons: Storm, Flood, Industrial       than 24 hours you can claim £500 for each 24 hour
     or courses/tours forming part of the trip which you    action, Bad weather, Mechanical breakdown                period you are detained up to £5,000 in total.
     do not use if you have no choice but to cancel the     of train or sea vessel, Grounding of the aircraft
     trip as a result of one of the following commencing    due to a mechanical or structural defect, you will
                                                                                                                     Catastrophe cover up to £500
     during the period of insurance:                        receive one of the following.
                                                                                                                     If during the period of insurance you are prevented
     01. Your death, injury or illness or that of your      01. Compensation of £25 for each full 12- hour           from using your accommodation because of fire,
         travelling companion (not including a tour             period that you are delayed, up to a limit           flood, earthquake, you will be covered for the
         leader or someone you have paid to provide             of £250. We will work out the length of the          reasonable extra cost of accommodation and
         any part of your trip), the person you are             delay based on the difference between your           travel, to move to other accommodation.
         going to stay with, a close relative or business       scheduled time of arrival and your actual
         associate.                                             arrival time at your final destination.

     02. You or your travelling companion being             02. Your cancellation charges (up to the amount          Applicable to Ski / Board policies
         required by the police to stay at home                 shown on the insurance schedule and                  only or annual Multi trip policies with
         as a result of burglary, or serious damage             subject to the excess shown on the insurance         wintersports cover.
         by fire, explosion, subsidence, storm flooding,        schedule) if, after a 12 hour delay to the
         vandalism, fallen tree or impact by aircraft           departure of your outward journey from the
                                                                                                                     Piste closure; up to £500
         or vehicle to your or their home or usual place        United Kingdom, you decide to cancel the trip.
         of business in the United Kingdom.                                                                          Piste closure is only available for holidays starting
12                                                                                                                   after the 10th of December and ending before
     03. You or your travelling companion being             Missed departure (extra travel and                       the 30th of April. If the weather prevents skiing at
         required for jury service or as a witness in       accommodation expenses); up to £1000                     the resort you are booked into, you will be covered
         a court of law in the United Kingdom as long       If one of the following takes place during the           for the reasonable transport costs to take you to
         as you became aware of the commitment              period of insurance you will be covered for the          a different resort and for the cost of a lift pass
         after taking out this policy or booking the trip   cost of reasonable extra accommodation and               there. If it is not possible to arrange transport
         (whichever is later).                              travel expenses to allow you to carry on with            to a different resort, you will receive £30 for each
                                                            your trip if you arrive at your international or final   whole day’s skiing lost. As well as the general
     04. You being made involuntarily redundant if you
                                                            departure and you are unable to board your               conditions on pages 16-17, the following exclusions
         are under 65 and have 2 years’ continuous
                                                            booked scheduled transport:                              and conditions apply:
         employment with the same employer.
                                                            01. labour dispute or protest, civil disturbance,
                                                                mechanical breakdown or bad weather which            Exclusions for piste closure
           NOTE: For single-trip cover, cancellation
           insurance starts on the date of issue                interrupts your scheduled public transport
                                                                services including booked connecting flights.        01. You will not be covered for any amount
           shown on your insurance schedule.
                                                                                                                         you can get back from someone or
           For annual multi-trip cover, each trip is        02. an accident or breakdown involving the                   somewhere else.
           covered when you book it or on the start             car taking you to your United Kingdom
           date shown on your insurance schedule,               departure point.                                     02. You will not be covered if you take out this
           whichever is later.                                                                                           insurance within 14 days of going on your
                                                            03. avalanche or danger preventing exit from                 trip, unless you booked the trip at the same
                                                                a ski resort which delays departure for your             time (or for annual cover, at the time of
     If your trip is cut short; up to the amount                return home.                                             booking any trip).
     shown on the Insurance Schedule                        04. the insolvency or placing into receivership          03. You will not be covered if the weather
     You will be covered for expenses you have paid or          of the scheduled airline you are booked to               prevents ski racing, training or competition.
     legally have to pay for travel and accommodation           travel home with preventing your scheduled
     and fees for instruction/guiding or courses/tours          flight from operating. (This cover does not          04. You will not be covered for holidays within
     forming a part of the trip which you do not use            apply to UK departures or where it is public             the United Kingdom.
     if you have no choice but to cut short the holiday         knowledge that your booked airline had
     and you return home for one of the reasons                 ceased operating before you left home)               Conditions for piste closure
     given below.
                                                                                                                     01. Cover will only apply for as long as there are
     01. One of the following people is injured,
                                                                                                                         poor snow conditions at your resort.
         falls ill or dies:
                                                                                                                     02. You must get written confirmation from the
         a. you or the person you had arranged
                                                                                                                         appropriate authority to confirm that the piste
            to travel or stay with;
                                                                                                                         was closed or that it was not possible to travel
         b. a close relative; or                                                                                         to another resort.

         c. a business associate.

     02. Your home is damaged and not fit to live in,
         or the police ask you to return because your
         home has been burgled.
                                                      If your trip is cancelled or cut short

What you are NOT covered for
As well as the general conditions on pages 16-17,      Conditions for cancellation                              Exclusions for delay
the following exclusions and conditions apply:
                                                       01. You must do all that you can to get to the           01. You are not covered for:
                                                           airport, port or station you are leaving from
                                                                                                                    a. insurance taken out within 4 weeks
Exclusions for cancellation and                            on time.
                                                                                                                       of the date you are due to leave if it is
cutting short a trip
                                                       02. If you do not tell the travel agent, tour operator          public knowledge that the journey could
01. You are not covered for:                               or organisation providing transport and                     be delayed;
                                                           accommodation as soon as you need to
    a. a medical condition for which you know you                                                                   b. claims caused by the tour operator,
                                                           cancel your trip, the amount we pay will be
       need or are receiving in-patient treatment                                                                      or any other provider of transport and
                                                           limited to the cancellation charges that would
       at a hospital or nursing home, unless you                                                                       accommodation, who stops trading; or
                                                           have applied at that time.
       told us about the condition and we agreed
                                                                                                                    c. amounts you can get back from
       to provide cover (or for annual cover, at the
                                                       Additional exclusions for cutting                               someone or somewhere else if you
       time of booking any trip); or
                                                       short a trip                                                    decide to cancel the trip.
    b. a terminal illness diagnosed by a registered
       doctor before the start of the period of        01. You are not covered for:
                                                                                                                Exclusions for missed departure
       insurance unless you told us about the
                                                           a. activities other than those for which the
       illness and we agreed to provide cover                                                                   01. For claims in respect of the financial
                                                              appropriate premium has been paid, riding
       (or for annual cover, at the time of booking                                                                 failure of your scheduled airline, you are
                                                              or driving in any kind of race, flying except
       any trip).                                                                                                   not covered for:
                                                              if you are travelling as a passenger in a fully
02. You travelling against medical advice or                  licensed passenger carrying aircraft, or any          a. any scheduled airline in Chapter 11
    to get medical treatment.                                 other dangerous activity;                                insolvency at the date of issue of the

03. Amounts you can get back from someone                  b. deliberately putting yourself at risk unless
                                                                                                                       travel insurance policy or booking.          13
    or somewhere else.                                        you are trying to save someone’s life;                b. any scheduled airline who is bonded
                                                                                                                       or insured elsewhere (even if the bond
04. We will not pay the excess amount (as shown            c. your taking part in manual work in
                                                                                                                       is insufficient to meet the claims).
    on your insurance schedule) of every claim                connection with profession, business
    made for each of you (£10 for each of you                 or trade;                                             c. any travel agent, tour organiser,
    for deposit only claims unless you have paid                                                                       booking agent or consolidator with
                                                           d. your suicide or attempted suicide,
    the additional premium to remove the policy                                                                        whom the insured has booked a
                                                              deliberately injuring yourself, solvent
    excess).                                                                                                           scheduled flight.
                                                              abuse or the effect of alcohol or drugs;
                                                                                                                    d. your outbound flight from the UK.
                                                           e. your motorcycling, as either driver or
Additional exclusions for cancellation
                                                              passenger of a motorcycle which is more               e. any claim where it is public knowledge
01. You are not covered for:                                  than 125cc, unless the driver holds                      that your booked airline had ceased
                                                              a current licence which allows them                      operating before you left home.
    a. your deciding you no longer want to travel;            to ride a motorcycle of more than 125cc.
    b. labour disputes;                                                                                         Conditions for missed departure
    c. government regulation, acts of parliament       Conditions for cutting short a trip
                                                                                                                01. You must do all you can to arrive at the
       or currency restriction;
                                                       01. If you go into hospital and are likely to be             airport, port or station you are leaving from
    d. your financial circumstances or                     in for more than 48 hours or you have to                 on time.
       unemployment other than redundancy                  return home early, someone must contact
                                                           Assistance International for you immediately.        02. In the case of a labour dispute, you will
       (if you qualify for payment under the
                                                                                                                    only be covered if a dispute is announced
       redundancy payment legislation, that is, you
                                                       02. Before you return home early for medical                 and begins during the period of insurance.
       are under 65 and have 2 years’ continuous
                                                           reasons, you must get a doctor’s certificate
       employment with the same employer);                                                                      03. If you miss the departure because your
                                                           to confirm that this is necessary and that
                                                           you are fit to travel.                                   car breaks down or you are involved in
    e. the tour operator or anyone you have made
                                                                                                                    an accident, you must send us a repairer’s
       travel or accommodation arrangements
                                                       03. If you return home early because of illness              or police accident report. If your missed
       with failing to provide the arrangements.
                                                           or injury to a close relative or business                departure was caused by an accident not
    f. If you fail to get a valid passport or other        associate, you must get a doctor’s certificate           involving the car you were travelling in, you
       travel document you need.                           confirming that this was necessary.                      must obtain written confirmation from the
                                                                                                                    police that the accident resulted in traffic
                                                                                                                    delays to your airport, port or station.
                                                             Legal expenses

                                                             What you ARE covered for (applicable to all policies)
     If you trip is cancelled or cut short – what you are    THE FOLLOWING DEFINITIONS ONLY                         Legal expenses; up to £25,000
     NOT covered for continued.                              APPLY TO THIS SECTION:                                 Up to £25,000 for all necessary legal costs
                                                                                                                    incurred by the representative following an event
                                                             We, our, us
     Exclusions for kidnap and hijack cover                                                                         which causes the death of, or bodily injury to, you.
                                                             DAS Legal Expenses Insurance Company Limited.          This is the most we will pay for all claims resulting
     01. You are not covered for your acts, which                                                                   from one or more events arising at the same time
         would be a criminal offence in the UK               Representative                                         or from the same originating cause.
         if committed in the UK.
                                                             The lawyer, or other suitably-qualified person,
                                                                                                                    We agree to provide legal expenses cover, keeping
     02. You are not covered for claims where you            who we have appointed to act for you in line with
                                                                                                                    to the conditions and exclusions, as long as:
         are held for less than 24 hours.                    the conditions of this section.
                                                                                                                        • It is always more likely than not that you
                                                             Legal Costs                                                  will recover damages (or obtain any other
     Conditions for kidnap and hijack cover
                                                                                                                          legal remedy which we have agreed to)
                                                             All reasonable and necessary costs charged
     01. Your company, you or your family must not be                                                                     or make a successful defence. Before we
                                                             by the representative on a standard basis,
         involved in any political or other activity which                                                                pay legal costs for appeals, we must agree
                                                             or in accordance with the predictable costs
         would increase the risk under this insurance.                                                                    that it is always more likely than not that
                                                             scheme, if this is appropriate. It also includes the
                                                                                                                          an appeal will be successful;
     02. Following a hijack, compensation will start         opponent’s costs in civil cases if you have to pay
         from the scheduled arrival time of your             them or if you pay them with our agreement.                • If you use a representative, we will pay the
         transport and will finish when you are                                                                           legal costs for this;
         released. You must provide written                  Date of the occurrence                                     • any legal proceedings will be dealt with
         confirmation of this from your scheduled                                                                         by a court or other body which we agree
                                                             The date of occurrence is the date of the event
         transport provider.
14                                                           that leads to a claim. If there is more than one             to; and
     03. Following your kidnap, compensation will            event arising at different times but from the same
                                                                                                                        • the date of occurrence of the insured
         start from the time the kidnap is reported          originating cause, the date of occurrence is the
                                                                                                                          incident must be during the period of
         to the authorities and will finish when you         date of the first of these events.
                                                                                                                          insurance.
         are released. You must provide written
         confirmation of this from the relevant              Insured incident
         authorities.
                                                             An event that leads to a claim being made under
     04. You are not covered if you travelled against        this section of your policy.
         Foreign and Commonwealth Office advice
         or if you disregard safety or travel advice
         given by any government or other authority.


     Exclusions for catastrophe cover

     01. You are not covered for the following:

         a. Costs which may be refunded from
            someone or somewhere else;

         b. Costs which you would have had to pay
            during your trip if the problem had not
            occurred;

         c. Any claim where you do not produce a
            receipt for the costs you have incurred.


     Conditions for catastrophe cover

     01. The accommodation that you move to must
         be near to the accommodation that you had
         originally booked and of a similar standard.

     02. You must provide written confirmation from
         the police or the company you had booked
         the original accommodation with confirming
         that you were unable to use it and stating
         the reason.
                                                                                                               Legal expenses

What you are NOT covered for
As well as the general conditions on pages 16-17,      Conditions                                            16. If you settle a claim or withdraw it without our
the following exclusions and conditions apply:         You must do the following:                                agreement, or do not give suitable instructions
                                                                                                                 to your representative, the cover we provide
                                                       01. You must give us full and truthful details by         will end immediately and we will be entitled
01. The failure to notify us of the insured incident       phone or in writing of any claim as soon as           to reclaim any legal costs we have paid.
    within a reasonable time of it happening,              possible and give us any information we need.
    and where this failure adversely affects the                                                             17. If there is a disagreement about the way we
    prospect of successfully recovering damages        02. We can take over and conduct, in your name,           handle a claim that is not resolved through
    (or getting any other legal remedy that we             any claim or legal proceedings at any time.           our internal complaints procedure, you can
    have agreed to) or of making a successful              We can negotiate any claim on your behalf.            contact the Financial Ombudsman Service
    defence.                                           03. You are free to choose a representative (by           for help.

02. Any legal costs incurred before we agree               sending us a suitably qualified person’s name     18. We may ask you to get (at your own expense)
    to pay them.                                           and address) if:                                      an opinion from a lawyer, or other suitably
                                                           a. we agree to start legal proceedings                qualified person chosen by you and us about
03. Any claim relating to the following:
                                                              and it becomes necessary for a lawyer              whether a claim or proceedings will be
    • Any illness which develops gradually                    to represent your interests in those               successful. If the chosen person believes
      or is not caused by a specific or sudden                proceedings; or                                    that it is more likely than not you will recover
      accident                                                                                                   damages (or reach a solution that we have
                                                           b. there is a conflict of interest.                   agreed to) or make a successful defence,
    • You driving a motor vehicle for which you
                                                                                                                 we will pay the cost of getting the opinion.
      do not have valid motor insurance                04. In all circumstances (except those in 3 above),
                                                           we are free to choose a representative.           19. We will not pay any claim covered under any
    • Judicial review, coroner’s inquest or fatal
                                                                                                                 other policy, or any claim that would have
      accident inquiry                                 05. Any representative will be appointed by us
                                                                                                                 been covered by any other policy if this policy
                                                           to represent you according to our standard
                                                                                                                 did not exist.
                                                                                                                                                                    15
04. Defending your legal rights (but defending             terms of appointment, which may include a
    a counter claim is covered.)                           ‘no win, no fee’ agreement. The representative    20. You must keep to the terms and
                                                           must co-operate fully with us at all times.           conditions of this section.
05. Any disagreement with us that is not in
    condition 17 of this section.                      06. We will have direct contact with the              21. You must try to prevent anything happening
                                                           representative.                                       that may cause a claim.
06. Any legal action you take which we or the
    representative have not agreed to or where         07. You must co-operate fully with us and the         22. You must take reasonable steps to keep any
    you do anything that has a negative effect             representative, and must keep us up to date           amount we have to pay as low as possible.
    on us or the representative.                           with the progress of the claim.
07. Any legal action against the travel agent, tour    08. You must give the representative any
    operator, carrier or any of the insurers listed        instructions that we ask for.
    on page 5.
                                                       09. You must tell us if anyone offers to settle
08. Fines, penalties, compensation or damages              the claim.
    which you are ordered to pay by a court or
    other authority.                                   10. If you do not accept a reasonable offer to
                                                           settle a claim, we may refuse to pay further
09. Any legal costs that you have to pay under             legal costs.
    a contingency fee arrangement (a contingency
    fee arrangement is when the lawyer takes           11. You must not negotiate or agree to settle
    a percentage of the damages as the fee).               a claim without our written approval.

10. Any insured incident intentionally brought         12. We may decide to pay you the amount of
    about by you.                                          damages that you are claiming or that is
                                                           being claimed against you instead of starting
11. Any claim relating to your alleged dishonesty          or continuing legal proceedings.
    or alleged violent behaviour. Also, any claim
    that is fraudulent or exaggerated.                 13. If we ask, you must tell the representative to
                                                           have legal costs taxed, assessed or audited.
12. Any claim relating to written or spoken
    comments which damage your reputation.             14. You must take every step to recover any
                                                           legal costs that we have to pay and must
13. An incident or matter arising before the start         pay us any legal costs that you recover.
    of cover under this section.
                                                       15. If your representative refuses to continue
                                                           acting for you with good reason or if you
                                                           dismiss your representative without good
                                                           reason, the cover we provide will end
                                                           immediately, unless we agree to appoint
                                                           another representative.
     General conditions applying to all sections


     01. THE INFORMATION YOU GIVE US                         Personal belongings, techno pack,                  Piste closure
         You must tell us any facts we ask for in the        equipment and temporary loss:                      Please ask the relevant authority to confirm
         declaration (see Health declaration on page         Please send full details of the belongings         in writing that the piste was closed. You must
         7) and which could affect this insurance.           which have been lost, stolen or damaged.           also send your receipts for transport to the
         If you do not, you may not be fully covered.        You should also send receipts to prove their       other resort and the cost of the lift pass
         You must give us any information which may          value or bills for the cost of repair. For loss
                                                                                                                Legal expenses
         influence our decision to provide or continue       or theft claims, you must also send a police
                                                                                                                Please send full details of the accident
         your cover or the way we work out your              report. If your belongings are lost, stolen or
                                                                                                                and your injury.
         premium (for example, your health or the            damaged in the care of an airline, you must
         health of a close relative). If you are not sure    send a ‘property irregularity report’ as well      Excesses
         whether we need to know a particular fact,          as the flight tickets and luggage receipts the     If we agree to a claim for medical expenses
         please contact Snowcard Insurance Services          airline gave you when you checked in. For          which has been reduced by your using
         Limited.                                            temporary loss claims, please send receipts        a European Health Insurance Card or private
                                                             for replacement items you have bought and          health insurance, you will not have to pay
     02. IF YOU OR YOUR PERSONAL
                                                             a ‘property irregularity report’.                  the excess.
         REPRESENTATIVE NEED
         TO MAKE A CLAIM                                     Equipment hire
         Please ring and ask for a claim form as soon        Please send receipts for the cost of the
         as possible after an event which you may            equipment hire and full details of what was
         want to claim for.                                  lost, damaged or stolen.

                                                             Money and documents
           NOTE: The claims telephone number is:             Please send full details together with a police

16         0845 122 3280                                     report and cash withdrawal slips or similar
                                                             proof of the money you withdrew.

                                                             If you lose your passport
         The phone line is open 24 hours, 365 days           Please send a police report, bills and receipts
         a year if you need to make a claim. We may          for travel and accommodation expenses.
         record or monitor calls for training purposes
                                                             If you cancel the trip
         or to improve the quality of our service. Fill in
                                                             Please give the reason for cancelling the trip
         the claim form and return it with the relevant
                                                             and send us your booking invoice or receipt
         documents listed below, this policy and your
                                                             and your cancellation invoice. We will need
         insurance schedule. All the certificates,
                                                             written proof of the reason for cancellation.
         accounts, receipts, information and evidence
                                                             If cancellation is due to illness or injury, the
         you send must be in the form we ask for.
                                                             medical certificate on the cancellation claim
         Always send originals and not photocopies.
                                                             form will need to be filled in by the doctor
         You must pay any costs involved in providing
                                                             of the person who was ill or injured.
         these documents. Please do not send any
         documents until you send in your claim form.        Cutting the trip short
                                                             Please give the reason you cut short your trip,
         Medical and other expenses
                                                             confirming that you had to come home early.
         Please send details of the illness or injury and
                                                             Before you return home early for medical
         original receipts and bills for any expenses
                                                             reasons, you must get a doctor’s certificate
         you have paid.
                                                             to confirm that this is necessary and that you
         Ski Pack (lessons, hire, lift pass)                 are fit to travel. You must then send this with
         Dive Pack (prebooked dives, courses,                your claim form.
         hire) Golf Pack (lessons, green fees)
                                                             Delay
         Give reason for cutting short the use of your
                                                             When you claim you must ask the airline
         ski/dive/golf pack and a medical certificate
                                                             or transport company to confirm in writing:
         confirming that this was necessary.
                                                             a. the cause of the delay or cancellation;
         Personal accident
         Please send full details of the accident and        b. the period of the delay;
         injury. If you make a claim, you must allow our
         medical advisers to examine you as often as         c. the scheduled time of departure and
         they need. (We will pay any costs and your             arrival; and
         expenses for these examinations if we accept        d. the actual time of departure and arrival.
         your claim.)
                                                             Missed departure – extra travel and
         Personal liability                                  accommodation expenses
         You must send us any writ, summons or other         You must send receipts or bills for your
         legal documents as soon as you receive them.        expenses. For car breakdown or accident
         You must also give us any information and           claims, send the repairer’s report or police
         help we need to deal with the case and your         accident report and details of how you got to
         claim. You must not negotiate, pay, settle,         the port or airport.
         admit or deny any claim without our written
         agreement.
                            General conditions applying to all sections


03. YOU WILL NOT BE COVERED                              Additional conditions                                  This policy is supplied by:
    FOR THE FOLLOWING:
                                                         04. You must follow any suggestions or                 Snowcard Insurance Services Limited
   a. Any claims arising from routine treatment              recommendations made by any government             The Long Barn
      or care which could reasonably be                      or other authority both before and during the      Manor Farm Business Park
      expected to arise during your period                   period of insurance.                               Applestree Road
      of insurance.                                                                                             Chipping Warden
                                                         05. You must do all that you can to keep your
   b. Any claim related to an incident that you                                                                 Oxon OX17 1LH
                                                             claims as low as possible and to prevent theft,
      were aware of at the time you took out this            loss and damage.                                   T: 01295 660836
      insurance and which could lead to a claim.                                                                enquiries@snowcard.co.uk
                                                         06. If we pay any expenses which you are not
                                                                                                                www.snowcard.co.uk
   c. Any claim that results from the tour                   covered for, you must pay these back within
      operator, airline, or any other company,               a month of the end of the period of insurance.
      firm, or person not being able or not
      being willing to carry out any part of their       07. If you, or anyone acting for you, deliberately
      obligation to you.                                     make a false claim or statement, the insurance
                                                             will end and we will not pay any claims.
   d. You travelling contrary to the regulations
      of your transport provider.                        08. We may take action against someone in your
                                                             name to get compensation or security for
   e. Indirect losses, which result from the                 loss, damage or expenses covered by this
      incident that caused you to claim.                     insurance. You will not pay anything towards
      For example replacing locks if you lose                this action, but any amount or security handed
      your keys.                                             over will belong to us.
   f. If you receive payment from someone                09. If we have to pay any amounts because                                                    17
      or somewhere else, we will take this                   of the law of another country and we
      off your claim. This does not apply to                 would not usually have to pay these
      Personal accident.                                     amounts under the policy, you must repay
   g. Travel to a country or specific area or event          the amounts to us.
      which the Foreign and Commonwealth                 10. All the sums insured and limits set out in this
      Office or the World Health Organisation                policy include VAT.
      has advised the public not to.
                                                         11. English law will apply to this contract of
   h. Any claim caused directly or indirectly by:            insurance unless you and we agree
     i. ionising radiation or radioactive                    otherwise and any disputes will be heard
        contamination from nuclear fuel                      in an English court.
        or nuclear waste, or any risk from               12. The premium for this insurance includes
        an explosive nuclear device or other                 insurance premium tax where necessary.
        nuclear equipment;
                                                         13. If we pay a claim because your trip is
     ii. your property being held, taken,                    cancelled, we will not pay a claim under any
         destroyed or damaged under the order                other section of the policy for the same trip.
         of any government or other authority;
                                                         14. Unless agreed otherwise, the contractual
     iii. pressure waves caused by aircraft                  terms and conditions and other information
          or other flying machines travelling                relating to this contract will be in the English
          at sonic or supersonic speeds;                     language.
     iv. war, invasion, hostilities (whether war
         is declared or not), civil unrest, revolution
         or any similar event. (This does not apply
         to Medical and Other Expenses while
         you are away from the United Kingdom.)

     v. The use, release or threat of any
        nuclear weapon or device or chemical
        or biological agent.
                                                         Mark Cliff,
                                                         Managing Director, Ageas Insurance Limited

                                                         Registered address:

                                                         Ageas House
                                                         Tollgate
                                                         Eastleigh
                                                         Hampshire, SO53 3YA

                                                         Registered number: 354568 England
     Data protection notice

                                                                                                                      Emergencies
     Please read this notice carefully as it contains        Dealing with others on your behalf                       In a medical emergency call:
     important information about our use of your             To help you manage your insurance policy, subject
     personal information. In this notice, we and us         to passing relevant security questions, we will deal       ASSISTANCE INTERNATIONAL
     and our means the Ageas Group which includes            with you or your husband, wife or partner or any
     Ageas Insurance Limited and any holding
     companies, subsidiaries and other linked
                                                             other person whom we reasonably believe to
                                                             be acting for you if they call us on your behalf in
                                                                                                                       +44 23 8064 4633
     companies. Your personal information means              connection with your policy.                              Fax: + 44 23 8064 4616 ai@ageas.co.uk
     any information we hold about you or anyone
     else in connection with any product or service
                                                             Sensitive information                                    Always quote:
     we are providing to you.
                                                             Some of the personal information that we ask you
                                                             to provide is known as sensitive personal data.               • Policy number as shown on the
     By taking out this insurance policy, you confirm
                                                             This will include information relating to your health,          Insurance Schedule.
     that we may use your personal information for the
     purposes explained below. You should show this          race, religion and any criminal convictions that              • That you are a Snowcard Insurance client.
     notice to anyone else whose name you give to us in      you have. We will only use sensitive personal data
     connection with your insurance policy as it will also   about you to manage your policy and to provide                • The telephone number at which
     apply to them.                                          the services described in your policy documents.                you may be contacted.

                                                                                                                      In the event of illness/accident the
     How we use your personal information                    Monitoring and recording calls
                                                                                                                      following information will be required:
     We will use your personal information to manage         We may monitor and record telephone calls to
     your insurance policy, including handling               monitor and improve our service and to prevent                • Full name and age of patient.
     underwriting and claims and issuing renewal             or detect fraud. We may also use CCTV recording
     documents and providing renewal information             equipment in and around our premises.                         • Nature of Illness/Accident.
18   to your insurance advisor.                                                                                            • Name and telephone number
                                                             Further information                                             of hospital and/or attending doctor.
     We also may use your personal information and
                                                             You are entitled to receive a copy of the
     information about your use of our products and                                                                   On admission of an insured person to Hospital
                                                             information we hold about you. Please contact
     services to carry out research and analysis.                                                                     abroad, Assistance International must be
                                                             our Data Protection Officer, giving your name,
                                                             address and insurance policy number. We are              contacted immediately if hospitalisation is likely
     We may have to share your personal information                                                                   to last for a period of more than 48 hours.
                                                             entitled to charge you a small administrative
     with other insurers, regulatory authorities or agents
                                                             fee for this.
     providing services on our behalf.                                                                                Do not use the emergency number for casual
                                                                                                                      enquiries or insurance(s) for which no premium
     We will only release your personal information                                                                   has been paid. Confirming payment of medical
     to others if:                                                                                                    fees: If possible, you should pay for your medical
         • we need to do this to manage your                                                                          treatment and then claim these costs when you
           policy with us;                                                                                            return to the British Isles.

         • you have given permission to receive                                                                       If you cannot pay the medical costs out of your
           promotional material                                                                                       own funds, contact Assistance International.
                                                                                                                      Getting you home: If you are too ill to return
         • we need to prevent fraud;
                                                                                                                      to the British Isles using your return travel tickets,
         • we are required or permitted to do                                                                         Assistance International can arrange other travel
           this by law (for example, if we receive                                                                    for you.
           a legitimate request from the police
           or another authority); or                                                                                  In special circumstances, they will arrange a
                                                                                                                      road or air ambulance. Before you travel, the
         • there are any other circumstances
                                                                                                                      doctors looking after you must provide a certificate
           where you have given your permission.
                                                                                                                      confirming that it is medically necessary for you to
                                                                                                                      return home and that you are fit to travel.
     If we change the way that we use your personal
                                                                                                                      The conditions of section the Medical and other
     information, we will write to you to let you know.
                                                                                                                      expenses section and condition 6 of the general
     If you do not agree to that change in use, you
                                                                                                                      conditions also apply to the service provided by
     must let us know as soon as possible.
                                                                                                                      Assistance International.

     Sharing information to prevent fraud
                                                                                                                              THIS SERVICE IS FOR REAL
     We may share your personal information with                                                                             MEDICAL EMERGENCIES ONLY
     operators of registers used by the insurance
     industry to check information that is given to us
     and prevent fraudulent claims. These include
     the Claims and Underwriting Exchange register,
     run by Insurance Database Services Limited.
     We may pass information relating to your
     insurance policy and any incident (such as an
     accident or theft) to these registers.
Snowcard Insurance Services Limited
The Long Barn
Manor Farm Business Park
Applestree Road
Chipping Warden
Oxon OX17 1LH

T: 01295 660836
enquiries@snowcard.co.uk
www.snowcard.co.uk

				
DOCUMENT INFO
liaoguiguo liaoguiguo http://
About