Terms of business

Our Service

We are a specialist provider of activity travel insurance. Snowcard Insurance Services Limited is authorised and regulated by the Financial Services Authority. Details of our regulatory status can be accessed via the FSA website www.fsa.gov.uk or by calling 0845 606 1234. Our policy is underwritten by Ageas Insurance and information is only based on this policy.

We do not provide advice or offer the products or services of any other insurers. Ageas Insurance has successfully underwritten our policy since 1992 and provides in our opinion the best cover based on our policy specification.

We are responsible for issuing your policy and providing information on policy coverage. We are also able to assist with claims, policy amendments or queries throughout your policy period. When you become a customer, we will give you details of how you can make a claim and tell you what your responsibilities are.

Along with these Terms of Business, we will provide you with our full policy terms and conditions. These must be consulted prior to you completing your policy purchase or immediately on receipt and if you have any questions you must make sure these are answered to your satisfaction. Online orders deliver electronic documentation only unless otherwise requested. Your Snowcard membership card will follow by post within 3-5 working days.

Cancellation Policy

You can cancel this policy within 14 days from the date you receive the policy wording and schedule of insurance. We will then refund your policy in full less a £5·00 administration charge. For single trip policies, a refund is only available if the period from the dates of issue to the scheduled return date home is greater than 28 days. No refund is available after the 14 day period.

Payment

Premiums are payable at the time of booking your insurance. All premiums collected are held in a designated clients account with HSBC. You may make payment by Visa, MasterCard, Delta or Maestro. There is no charge for Maestro or Visa Delta cards but we reserve the option to charge a 2% fee for Visa or Mastercard payments. There is a £5·00 charge for policy amendments and cancellations. Emergency Assistance card reprints, re-issue fee £2·50. All premiums quoted include Insurance Premium Tax at the prevailing rate.

Customers Duty

It is your responsibility to provide complete and accurate information to your insurers when you take out your insurance policy and throughout the life of your policy and when you renew your insurance. It is important that you ensure that all statements you make on application forms, claims forms, internet forms or verbally over the telephone are full and accurate. If you fail to disclose any material information to your insurers, this could invalidate your insurance cover and mean that part or all of your claim may not be paid.

Confidentiality

All information about you will be treated as private and will not be shared with other parties without your express agreement except for that which we may have to disclose to The Financial Services Authority, Financial Ombudsman Service or Ageas Insurance.

Under the Data Protection Act 1998, you have the right to see personal information about you that we hold in our records.

We will not make your details available to other parties for marketing purposes but we may contact you ourselves to keep you informed of our latest products and services for insurance and travel.

Financial Services Compensation Scheme

Ageas Insurance are covered by the Financial Services compensation Scheme (FSCS). If we cannot meet our obligations you may be entitled to compensation under the scheme. The scheme covers at least 90% of any claim with no upper limit.

For further information see www.fscs.org.uk or 020 7892 7300