High quality, high altitude
Abta Certified No.W5537
  • French Alps High Altitude Ski Holiday Types

Ski Travel Insurance 2016

Ski holiday and winter sports insurance

The cover is arranged by Travel & General Insurance Services Limited (tagis) (firm reference number 304788)

Taking out our ski holiday insurance

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

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

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

The schedule of the cover below sets out a summary of the cover provided by our tailored insurance. The cover is underwritten by International Insurance Company of Hannover Limited (IICH) who are authorised and regulated by the Financial Services Authority. Peak Retreats Limited is an Appointed Representative of Travel & General Insurance Services Limited (firm number: 304788 ) full details of which can be found on the Financial Conduct Authority (FCA) website (www.fca.org.uk).

Single trip policy insurance prices 2017


  • For over 17 days please enquire.
  • Excess waiver – Additional £22 per policy.

Annual multi-trip policy insurance prices 2017

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

  • Winter sports cover (up to 17 days)
  • Covers journeys up to 31 days
  • Cover for adult members of the family to travel independently
  • Adult: Aged 18-65 years on departure.
  • Child: Under 18. Infants under 3 on departure - free.
  • Family: 2 adults and up to 4 children under 18 in full time education
  • Couple & single parent: 2 adults living at same address and single parent (1 adult + up to 4 children under 18 yrs)

Schedule of Cover - Summary of benefits for you and your family

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

 

  • * Winter sports cover included as standard for 17 days under the Annual multi trip policy and can be extended on payment of additional premium. Available as an optional extension under the single trip policy.
  • Provision of a 24 hour emergency telephone service 365 days a year
  • For cancellation claims, only two excesses will be deducted for a family.
  • Like all insurance policies there are definitions and exclusions so we urge you to read the exact policy wording when you receive it.

Download a copy of the 2017 TAGIS insurance document (PDF format)

Health

The insurance contains conditions that relate to your health and that of others not necessarily travelling with you but upon whose health the trip may depend. In particular, pre-existing medical problems may not always be covered and you may be required to contact our Insurers' medical helpline. Should this be the case and you would like consideration to be given to include your medical condition, please contact Health Check on 0170 2427253 (within 14 days of taking the insurance) quoting the scheme reference number and validation certificate number. They will ask you a number of questions relating to your condition and confirm that cover can be given and if any restrictions are imposed.

Should you have any very specific query concerning the cover provided or if in any doubt, please contact Travel & General on 02037 942954.

Important Information

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

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

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

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

Please bear in mind that in France rescue services for skiers are chargeable and payment must be made on site following a rescue. The rescue service includes locating casualties, properly securing them in order to remove them from the slopes, transporting them to a medical practice, returning their ski equipment and compiling a detailed report of the rescue operation.

An example of prices for rescue services is as follows:
- Adjacent zone, unaccompanied............100 €
- Assistance and evacuation by ski lift............255 €
- Assistance and evacuation by helicopter............649 € minimum depending on destination

Dangerous sports or pastimes: If you are going to take part in dangerous sports or pastimes where there is a high risk of injury, check that your policy covers you.

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

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

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

Reasonable care: You need to take all reasonable care to protect yourself and your property.

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

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

Your policy is governed by the law in the country that you reside in within the United Kingdom, unless otherwise stated on your policy. The identity of the insurer or insurers will be shown on the policy document.

Important declaration

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

  1. I am not receiving treatment, including regular medication, within the last 12 months for any condition, nor at any time for any heart related or cancerous condition.
  2. I have not been seen by a specialist nor been admitted to a hospital overnight in the last 12 months (other than for regular check ups).
  3. I have not been diagnosed by a registered general practitioner as having a terminal condition.
  4. I am not waiting for, nor have the knowledge of, the need for an operation, hospital consultation nor any other treatment (including regular medication) nor investigations including the results of a routine test.
  5. I do not have any other pre-existing and on-going medical condition(s) that could reasonably be anticipated to give rise to a complication needing medical intervention prior to or during a journey (if in doubt check with your general practitioner).
  6. I am not aware of anybody for whom I would be covered for cancellation and curtailment, such as immediate family or travelling companions, suffering from any pre-existing medical condition(s) that may cause me to cancel or cut short my journey.
  7. I do not know of any circumstances that could reasonably be expected to give rise to a claim under this policy.

If you cannot make this declaration when you take out the insurance, you must contact Healthcheck on 01702 427253.

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

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

PLEASE MAKE SURE YOU READ YOUR POLICY CAREFULLY

Complaints procedure

It is our intention to provide you with the best service possible, but if you do have any questions or concerns about this insurance or the handling of a claim you should follow the Complaints Procedure below:

Sale of policy: Please contact Your agent who arranged the Insurance on Your behalf. If Your complaint about the sale of Your policy cannot be resolved by the end of the next working day, Your agent will pass it to:

Customer Relations Department, UK General Insurance Group Limited, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ.

Claims: In all correspondence please state that Your insurance is provided by UK General Insurance Group Limited and quote reference tagis 14/05025C. If your complaint about your claim cannot be resolved by the next working day, Claims Settlement Agencies will pass it to:

Customer Relations Department, UK General Insurance Group Limited, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ.

If it is not possible to reach an agreement, You have the right to make an appeal to the Financial Ombudsman Service. This also applies if You are insured in a business capacity and have an annual turnover of less than €2million and fewer than ten staff. You may contact the Financial Ombudsman Service at: South Quay Plaza, 183 Marsh Wall, London, E14 9SR.
 

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