Insurance Cover Plus Points
- Our insurance includes the Fogg Travel Medi-Card so that medical bills can be sent to Fogg for settlement (Subject to policy excess)
- Includes off-piste cover providing that you heed all the local warnings, restrictions and regulations.
- Covers snowboarding as standard
- Family Policies - If you are travelling with your spouse and your own children under the age of 18 you can take advantage of our Special Family Policy scheme which provides considerable savings on the cost of insuring separately, irrespective of the number of your own children travelling.
Important
A brief summary of the cover provided is shown on this page.
Full details of the terms and conditions including any relevant excesses are shown in full on the Certificate of Insurance which you will receive with your booking confirmation. It is essential that you read the Certificate to see if it matches your needs. If you require them, these details are available in advance of you taking out this insurance from our Reservations Centre.
Association of British Insurers General Business Code of Practice
Under the Association of British Insurers General Business Code of Practice we have to
bring your attention to 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.
| Subject |
Single Trip Cover |
Annual Cover for Under 65's (inc. 17 days Winter Sports Cover) |
| Medical & other expenses |
£5,000,000 |
£5,000,000 |
| Personal Accident |
£20,000 |
£25,000 |
| Hospital Benefit |
£600 (£20 per day) |
£20 per day, £1000 max |
| Personal Baggage |
£1500 (£250 any one article) |
£1500 (£250 any one article) |
| Ski Equipment |
£500 (£200 Hired) |
£700 (£300 hired) |
| Personal Money |
£500 (£250 cash) |
£500 (£250 cash) |
| Delayed Baggage |
£100 |
£150 |
| Ski Equipment Hire |
£250 |
£150 |
| Personal Liability |
£1,000,000 |
£2,000,000 |
| Legal Expenses |
£5,000 |
£25,000 |
| Weather Delay |
£500 |
£550 Worldwide, £350 Europe |
| Unused Ski Pack |
£250 |
£250 |
| Missed Departure |
£500 |
£500 |
| Loss of Deposit, Cancellation/Curtail. |
£3,000 |
£3,000 |
| Piste Closure |
£300 maximum |
£300 maximum |
| Transportation |
£15 per day |
£10 per day |
| Lift Pass |
£10 per day |
£5 per day |
| or Compensation |
£30 per day |
£25 per day |
| Travel Delay or (after 24 hrs) |
£100 max., £20 per 12 hours |
£100 max., £20 per 12 hrs |
| refund of holiday cost |
£3000 max |
£3000 max |
| Loss of Travel Documents |
£200 |
£250 |
| Policy Excess |
£50 (£20 loss of deposit) |
£50 (£20 loss of deposit,
£250 legal expenses & liability)
|
Health and Claims
Medical expenses Your policy does not provide private health treatment unless specifically approved
by the emergency assistance service. You should carry an EHIC (formerly E111) or equivalent and use this at state
facilities when travelling within the European Union.
PRE-EXISTING CONDITIONS If you, or any other person travelling with you, have ever had treatment
for any heart or circulatory conditions, 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 conditions 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.
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 accurate. 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.
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 you are not insured.
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.: Ice climbing.
The contract will be subject to English Law unless otherwise agreed.
PLEASE ENSURE YOU READ YOUR INSURANCE POLICY CAREFULLY.
Issued by Fogg Travel Insurance Services Limited � Independent Intermediaries acting on behalf of members of the Association of British Insurers, and who are authorised and regulated by the Financial Services Authority (FSA).
Insurance Premium Tax (IPT)
The government impose a tax on insurance cover (IPT). Insurance Premium Tax is currently 17�%. We have made provision for the inclusion of this tax at this rate in our prices, but must reserve the right to amend our insurance prices should a higher rate tax be imposed.
White Mountains
Holiday Villas
White Sands