We consider it essential to be well insured before embarking on a Winter Sports holiday - in fact we consider it so important that we will not accept your booking if you are not insured. As we are an Appointed Representative of Fogg Travel Insurance Services Limited, the leading experts in Ski Insurance, who with the Insurers, Union Reiseversicherung AG (URV), are authorised and regulated by the Financial Services Authority (FSA), we are able to offer you a travel insurance cover tailored for Ski Beat winter sports holidays. This insurance includes the Fogg Travel MEDI-CARD enabling you to ski with the knowledge that all your rescue, transportation and medical bills will be automatically taken care of (you pay the policy excess). As with most insurances, you are only insured for an event which occurs after you have purchased the cover. Please therefore carefully read the paragraph headed Health. It is essential that you read the insurance policy. If for any reason it is not suitable for you, you may return it for a full refund, provided you return it within 14 days of receipt and you have not travelled or have made a claim. A brief summary of the cover is provided below followed by a full copy of the insurance policy at the bottom of this page. A copy of the insurance policy will be sent with your confirmation of booking.
PREMIUMS PER PERSON (including ins. tax (IPT) @17.5%)
| Period | Children (up to 18 yrs) | Adult ** | Family*** |
| up to 10 days | £27 | £38 | £95 |
| up to 17 days | £35 | £45 | £115 |
** Double premium for persons 65 years and over.
***Family means 2 adults and up to 4 children under the age of 18 years living at the same address.
Age limit of 84 years at the date of departure. Infants up to 2 years are covered by parents premium - medical and baggage cover only; 2 - 17 years inclusive are classified as children.
Insurance is effected as soon as the premium is received by Ski Beat.
Clients wishing to make their own insurance arrangements MUST provide a copy of the policy when making the final payment to Ski Beat.
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ANNUAL POLICIES Annual policies are available direct with Fogg Travel Insurance Services Ltd |
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SUMMARY OF COVER |
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| PRE TRAVEL POLICY | Maximum Benefit |
| Cancellation | £5,000* |
| TRAVEL POLICY | |
| TRAVEL DELAY | £100 |
| Delay Cancellation | £5,000* |
| MISSED DEPARTURE | £500 |
| WEATHER EXTENSION | £200 |
| PISTE CLOSURE | £300 |
| POSSESSIONS | £1,500* |
| Single article/valuables limits | £300 |
| DELAYED POSSESSIONS | £150 |
| SKI EQUIPMENT | £700* |
| Single/set limit | £500 |
| Hired ski equipment | £400 |
| SKI HIRE CHARGES | £150 |
| MONEY | £500* |
| Cash limit | £250 |
| LOSS OF TRAVEL DOCUMENTS | £200* |
| MEDICAL EXPENSES | £5,000,000* |
| HOSPITAL BENEFIT | £600 @ £15 per day |
| UNUSED SKI PACK | £300 |
| CURTAILMENT | £5,000* |
| PERSONAL LIABILITY | £2,000,000* |
| PERSONAL ACCIDENT | £25,000 |
| Death limit (under 16 £1,000) | £15,000 |
| LEGAL EXPENSES | £10,000 |
* EXCESSES of £60 apply, increased to £250 in respect of Liability and Legal.
IMPORTANT NOTICE
Under the Association of British Insurers General Business Code of Practice we have to bring to your attention some of the important features of your travel insurance policy.
Insurance Policy This contains full details of the cover provided plus the conditions and exclusions which apply to it. You must read the insurance policy carefully.
Conditions and Exclusions There are conditions and exclusions which apply to individual sections and general conditions, exclusions and warranties which apply to the whole policy.
HEALTH If you, or any other person who is travelling with you, have ever had treatment for any heart or circulatory condition, a stroke or high blood pressure, any breathing condition (including asthma), any type of cancer, any type of diabetes, any existing injury or other serious or re-occurring medical condition, any condition requiring long term prescribed medication or if you are receiving or awaiting investigation for any medical condition you must advise the Referral Helpline as per the policy terms to see if additional cover is available. Insurers reserve the right to impose terms. You will receive confirmation in writing of their decision.
Simply telephone : FOGG TRAVEL - MEDICAL REFERRALS on 0845 1300 198 and quote Ski Beat during normal working hours.
Your enquiry will be handled confidentially and you will be advised of the extent of cover that can be provided.You will be given a Helpline reference, and confirmation will be sent/faxed to you. When calling please have :
★ details of your illness/condition
★ how many medications you take for each condition
★ what treatment you are receiving
★ how regularly you receive check ups
★ are you awaiting further treatment at hospital
Property Claims These are settled on an indemnity basis - not on a "new for old" or replacement cost basis.
Policy Limits Most sections of the policy have limits on the amount the insurer will pay under that section. Some sections also include inner limits e.g.: for any one item, or for valuables in total.
Policy Excesses Claims under most sections of the policy will be subject to an excess. Where there is an excess, you will be responsible for paying the first part of the claim.
Fraud The making of a fraudulent claim is a criminal offence. Your insurer may be recording details of claims on an anti-fraud register.
Reasonable Care You are required to take all reasonable care to protect yourself and your property and to act as though your are not insured.
Telling Us about Relevant Facts You must tell Insurers or ourselves before you travel about anything which may effect your cover.This information must be complete and adequate. If you are not sure whether something is relevant you should tell us anyway.You should keep a record of any information you give us. If you do not tell Insurers about something that may be relevant your cover may be refused and Insurers may not cover any related claims.
Complaints The Insurance policy includes a Complaints Procedure which tells you what steps you can take if you wish to make a complaint.
Hazardous Holiday Activities The policy may not cover you when you take part in certain hazardous activities e.g.: paragliding.
Law The contract will be subject to English Law unless otherwise agreed.
PLEASE ENSURE YOU READ YOUR INSURANCE POLICY CAREFULLY.
If you have any queries regarding this insurance, please contact: Fogg Travel Insurance Services Limited
Tel: 01623 631 331 Fax: 01623 420 450 quoting SKI BEAT insurance. When travelling within the European Union it is recommended that you carry the European Health Insurance Card (EHIC) This can be ordered via the Department of Health website. If you need to utilise this card while on your holiday and where costs to insurers are shown to be minimised, the medical excess applicable under Ski Beat travel insurance is reduced to NIL. The EHIC does not pay for any rescue services.
SKI BEAT INSURANCE POLICY 2009/2010
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Ski Beat Limited, Metro House, Northgate, Chichester PO19 1BE Telephone: 01243 780 405