Important information

Please read this policy carefully and remember the following:

1. DECLARATION: This insurance policy contains a declaration. You must tell us about anything we have asked in the declaration which may affect this insurance policy. If you are not sure what you should declare, please talk to Snowcard Insurance Services Limited, who will then contact us for you.
2. LIMIT OF COVER: Each section of the personal insurance cover shows the most you can claim, but other limits may apply. For example, under the Personal Belongings section, the overall limit is stated on the insurance schedule but there is a limit of £350 for any single item and a total limit of £350 for all valuables. We will work out how much we will pay you for baggage claims based on the value of the items at the time of the loss, not the cost of replacing them.
3. LOOKING AFTER YOUR BELONGINGS: Many claims for loss or theft are caused by people being careless with their belongings. If you do not take good care of your belongings, it can be upsetting and inconvenient for you and we may not pay your claim.
4. DANGEROUS ACTIVITIES: If you are going to take part in any activity which may be considered dangerous, please read the activities list to make sure your activity can be covered. If your activity is not mentioned please contact Snowcard Insurance Services Limited to confirm whether or not you can be covered.
5. PREMIUM REFUND: If you are not satisfied with this policy and have not taken a trip protected by the cover provided and have not made a claim against the policy and; there has been no incident likely to give rise to a claim (such as the cancellation of a booked trip), you can cancel this policy within 14 days from the date you receive the policy wording and policy schedule. We will then refund your premium in full (less Snowcard’s cancellation administration charge). We will not refund your premium after the 14 day period. If you have a single trip policy, we will only refund your premium if the period from the date we issued the policy until your scheduled return date home is greater than 28 days. For both single trip and annual multi trip no refund of premium will be available after the 14 days. If you want to cancel your policy please contact Snowcard Insurance. We or anyone we authorise can cancel this policy at anytime by sending you 14 days notice in writing. We will send this notice to the last known address we have for you. We will refund your premium for the time that was left on your policy as long as you have not made a claim.

6. 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.
7. MAKING A CLAIM: To help us deal with your claim quickly and efficiently, please read the claims procedure on please read ‘How to make a claim’. This explains what documents you will need to support your claim. You must collect some of the proof you need, for example a police report, while you are away from home. The ‘General conditions’ page explain when you will need this kind of proof.
8. GEOGRAPHICAL LIMITS: European region includes the British Isles, Madeira, Canary Islands, Turkey, Egypt, Israel, Morocco and countries bordering the Mediterranean Sea, Iceland, Scandinavian countries and Russian states west of the Urals. Worldwide region – all other countries but please note we do not cover Arctic expeditions or travel to Antarctica.
9. WHAT TO DO IN A MEDICAL EMERGENCY: In a medical emergency, contact Assistance International for help. Please read the back of this policy for details and refer to your Snowcard assistance card, which shows the 24 hour emergency help telephone number to call from abroad.