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Choosing your policy
Most ordinary travel policies offer fixed cover limits that do not reflect the true value of your belongings or the cost of your holiday. Snowcard is the first specialist travel policy that allows you to tailor make your own insurance to accurately reflect your needs.
There are 3 key areas to a travel policy:
- Emergency medical, repatriation & liability insurance
- Baggage and personal belongings
- Cancellation and travel delay
Medical and liability
This cover is standard in all Snowcard policies. It is the main reason for buying the policy and the limits are fixed, £10million for emergency medical and other expenses, £2million for personal liability. All policy holders have this cover, regardless of activity or policy type.
However, we allow you to select the amount of baggage cover, equipment cover, techno pack (ie. cameras and electrical belongings) and cancellation insurance you have. You can also change the standard £50 policy excess to either zero or a higher amount for a small premium reduction.
Many clients already have their personal belongings covered either on their home contents insurance or another travel policy. Our unique system allows you to choose a sum insured of between zero and £3000. Within this limit, there are sub limits for single items, money, and loss of passport. There is also extra cover for baggage delay and equipment hire.
Most travel policies will cover some equipment, usually at very low limits, within their baggage cover. With Snowcard, you have a separate section to cover your specialist sports equipment. Again, you choose your sum insured from zero to £3000. If you don’t have your own equipment, you don’t pay a premium for something you don’t need. However, many clients have equipment that is not covered either on their home of other travel insurances. Our unique system allows you to include equipment, even if you don’t select the baggage cover. If you are hiring equipment, we will cover hired equipment up to £500 and you should choose a sum insured of ‘£500’ under this option.
Any other travel policy you look at will offer cover for cameras and electronic gadgets within the baggage section of cover, usually with an overall limit of £250. Snowcard introduced a new section of cover called ‘Techno pack’ in 2009 to recognise the fact that we all own more electronic gadgets like iPods and mobile phones, cameras and laptops. We will cover photographic and electronic items upto £2000. Higher value items, like expensive laptops or professional level photographic equipment should be covered more fully by either a specialist insurance or your home insurance.
Independent travel is a big part of today’s modern travel market. Cancellation cover is important to some but not necessarily others. If you have spent £5000 on an expensive guided trekking holiday, you will have different needs to an independent trekker travelling on a low cost flight to Europe. By choosing your own cancellation sum insured you will be paying a premium that accurately reflects your holiday cost. If your holiday costs £250, there is no point in having a sum insured of £5000 as you can only ever claim back what you have paid. This section also includes travel delay, missed departure and curtailment if you have to cut your holiday short because of injury or illness.
A policy excess is normal in any insurance policy. For travel, the usual amount you have to pay for each claim you make is £50. Policies with higher excess’s are generally cheaper but they don’t offer you the choice of whether to agree the excess or not. Not so with Snowcard, you can now select your own policy excess and take control of the amounts you are prepared to cover yourself. Excess’s help insurers keep premiums down and stop expensive to process but low value claims which the client can reasonably cover.
If you need more information or advice,
either call 0844 826 2699 during office hours
or email firstname.lastname@example.org
Free emergency wrist bands
Our new wrist bands are a handy way to keep our important emergency helpline number with you even if you forget your Snowcard. It would be useful if you used a water proof marker to write your client id on the inside of the wrist band. Our helpline will require this in the event of an emergency.