Contents

All insurance policies contain restrictions and exclusions which you should be aware of. It is important that you read this policy carefully because it is the basis upon which Fortis Insurance settles any claim. Please make sure that the cover meets your needs and that you can make the declaration and agree to Condition 1 of ‘General Conditions’. You can read the policy words below or view a full version of the snowcard insurance guide and policy wording or download a full version of the snowcard insurance guide and policy wording to read at your leisure.

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If you need more advice, please contact Snowcard Insurance Services Ltd on 01327 262805 or email

Please read this policy carefully and remember the following:

1. DECLARATION This insurance policy contains a declaration which is set out below. 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 £2000 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 listed ‘Activity Levels’ to make sure your activity can be covered. If your activity is not mentioned please contact Snowcard Insurance Services Ltd to confirm whether or not you can be covered.

5. PREMIUM REFUND 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. Snowcard Insurance makes a £5 cancellation administration charge. No refund of premium is available after the 14-day period.
A refund of premium is only available for a single trip policy if the period from the date of issue of the policy to your scheduled return date home is greater than 28 days.
If you wish to cancel your policy please contact Snowcard Insurance.

6. EXCESSES We will take off an excess from each claim you make under certain sections of this insurance policy. The amount you will not be paid when you make a claim is shown under each section. If we agree to a medical expenses claim which has been reduced by your using a European Health Insurance Card or private health insurance, the excess will not apply.

7. MAKING A CLAIM To help us deal with your claim quickly and efficiently, please read the claims procedure. 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 explain when you will need this kind of proof.

8. 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/Activcard assistance card, which shows the 24-hour emergency help telephone number to call from abroad.

WE CANNOT INSURE Professional risks or engaging in manual work. Full time ski racers or members of national squads racing and training on a full time basis. Professional competition/ racing or competing at major international events as a national representative. Ski racers attending overseas ski schools or academies on a full time basis. Motor sports or aviation risks. Military exercises or risks connected with Armed Forces training or manoeuvres. Specialist expeditions involving pioneering exploration. Expeditions to the Arctic or Antarctic.

This travel insurance policy contains health restrictions. You must be able to make the following declaration for yourself and each insured person.

FOR YOU AND EACH INSURED PERSON

As far as I know, the following apply:

1. Nobody is waiting for an operation, hospital consultation (other than for regular check-ups), or other hospital treatment or investigations.
2. Nobody has received treatment, other than regular medication, in the last 12 months for:
   • any blood disorder;
   • any psychiatric illness;
   • any form of cancer, leukaemia or tumour;
   • dialysis treatment;
   • a transplant; or
   • dementia.
3. Nobody diagnosed as HIV positive has required treatment for HIV or any HIV-related illness.
4. Nobody has any breathing or heart problem which has needed hospital treatment in the last 12 months.
5. Nobody has been seen by a specialist in the last three months (other than for regular check-ups) or been admitted to a hospital overnight.
6. Nobody has been given a terminal prognosis by a registered doctor.
7. I do not know of any reason (medical or otherwise) why the trip is likely to be cancelled or cut short.

If you, or anyone travelling with you, cannot agree with this declaration when you take out the insurance, you must phone Snowcard Insurance on 01327 262805. You must do this when you take out this insurance and they will tell you if we can give you cover. If you cannot contact them when you buy this insurance, you must contact them within 14 days (but before you travel). They will tell you if they need any more information. If there is a change in your medical condition or the medical condition of anyone travelling with you (after you have taken out this insurance but before you travel) and you can no longer agree with the declaration, you must contact Snowcard Insurance on 01327 262805. They will tell you if your cover can continue. If we cannot continue cover, you may claim for the cost of cancelling at that time.

For annual multi-trip cover, you must agree with this declaration each time you book a trip.

For a close relative or business associate, or anyone else who is not an insured person and whose health may affect the trip: If, at the time of taking out this insurance (or booking the trip if this was later), they had a medical condition for which they –

• were receiving treatment at hospital;
• were waiting for a hospital consultation or treatment; or
• had been given a terminal prognosis, or been told that their condition is likely to get worse in the next 12 months;

INSURERS
The Insurers are Fortis Insurance Limited and DAS Legal Expenses Insurance Company Limited for the Legal Expenses section. Fortis Insurance Limited and DAS Legal Expenses Insurance Company Limited are both authorised and regulated by the Financial Services Authority.

CUSTOMER SERVICE
We do everything possible to make sure that all of our customers receive the high standard of service that they would expect from us. If you are not satisfied with our service, please write to our Customer Service Adviser, who will make sure that your problem is dealt with quickly. Please write to: The Customer Service Adviser, Fortis Insurance Ltd., Fortis House, Tollgate, Eastleigh, Hampshire SO53 3YA. If you are not satisfied with the way that we have dealt with your complaint, please write to the Chief Executive at the above address.
If you are still not satisfied, you have the right to ask the Financial Ombudsman Service to look into your case. This will not affect your right to take action against us. If you would like more information, please write to us and ask for a leaflet.

GEOGRAPHICAL LIMITS
AREA 1 British Isles (Including Channel Islands, Isle of Man and Republic of Ireland.)
AREA 2 Europe including Madeira, Canary Islands, Egypt, Israel and countries bordering the Mediterranean Sea.
AREA 3 World Wide

Wherever the following words and phrases appear in this policy they will always have the meanings shown below.

Period of insurance Other than for annual multi-trip insurance, cancellation cover (Options C & D only) starts on the start date shown on your Insurance Schedule. All other cover begins when you leave home to go on your trip and lasts until you return home, as long as that is within the period of insurance paid for.
For annual multi-trip insurance, cancellation cover (Options C & D only) starts when you book each trip or on the start date shown on your Insurance Schedule, if this is later. Cover under all other sections of the policy begins when you leave home to go on your trip and ends when you return home from that trip. Each trip must be shorter than 31 days unless an extension has been agreed. The start and finish dates of the trip must fall within the 12-month period of insurance. Trips in the UK are only covered whilst taking part in the sporting activity shown as your 'main activity' on your schedule of travel insurance or must involve at least one night’s accommodation which you have booked and paid for in advance.

Extension We will extend the period of insurance by up to 30 days at no extra cost if you have to stay away longer because of events which you have no control over. If the transport which you are on is hijacked, we will automatically provide worldwide cover and the period of insurance will continue for up to 12 months without extra charge.
The Declaration and limits of cover apply to each trip separately. Annual multi-trip insurance includes skiing or snowboarding cover up to the number of weeks specified on the Insurance Schedule.

We, our, us Fortis Insurance Limited and DAS Legal Expenses Insurance Company Limited for the Legal Expenses section.

You, your Each insured person named on the travel insurance schedule for whom the correct premium has been paid.

Home The address where you normally live.

Valuables Audio, visual, video, photographic & computer equipment, jewellery, furs, gold & silver items, watches, binoculars & electronic games.

Activity equipment Any equipment necessary for the pursuit of an insured activity other than clothing, footwear, baggage and valuables which are covered under the personal belongings section.

Close relative Your husband, wife, civil partner, parent, parent-in-law, relative child, brother, sister, fiancé or fiancée.

Business associate Anyone who works at your place of business and who, if you were both away from work at the same time, would prevent the business from running properly.

Accidental injury Bodily injury caused by accidental external violent and visual means. This does not include sickness or disease or any naturally occurring condition.

Kidnap The taking away of a person against the person’s will, usually to hold the person in false imprisonment (confinement without legal authority) for ransom or in furtherance of another crime

Hijack To illegally take control by force of an aircraft or sea vessel you are travelling in and divert it to a different destination