PLEASE READ THIS POLICY CAREFULLY, especially the important information regarding pre-existing medical condions on page 7.
You must meet the conditions or your claim will not be accepted. This policy will not cover you for all eventualities.
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. The limits of cover apply to each individual person and each insured trip separately. 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. The limits of cover apply to each trip seperately.
LOOKING AFTER YOUR BELONGINGS
Many claims for loss or theft are caused by people being careless with their belongings.
We will not cover any claim related to you falling as a result of you climbing or moving around the outside of any building (apart from access ways), sitting, planking, balconing, owling or lying on any part of any building, and you jumping from any height (unless in an attempt to save someone’s life).
ALCOHOL AND DRUG EXCLUSION
We will not cover any claim as a result of;
- the effect of your alcohol, solvent or drug dependency or long term abuse
- You being under the influence of alcohol, solvents or drugs, or doing anything as a result of using these substances (this excludes drugs prescribed by a GP, unless they are for the treatment of drug addiction).
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.
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 or anyone we authorise have the right to cancel this policy at any time by sending you fourteen days’ notice in writing where there is a valid reason for doing so. We will send the notice to the last known address we have for you and we will set out the reason for cancellation in our letter. Valid reasons may include but are not limited to:
- Changes to the information given at the point of purchase which may result in the risk no longer being acceptable to us.
- Where we suspect fraud on this or any other related policy.
- Where a misrepresentation has been made that means we no longer wish to provide cover.
As long as you have not made a claim, we will refund you for the time that was left on your policy. If any claim has been made during the period of cover provided, you must pay the full premium and you will not be entitled to any refund.
We will take off an excess (as stated on the insurance schedule) from each claim you make, per insured person, 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. If we agree to a medical expenses claim which has been reduced because you have used an EHIC, or private health insurance, or through a reciprocal health agreement, you will not have to pay the excess under that section.
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. Claims department telephone number 0345 122 3280.
EUROPEAN REGION – covers the UK, Europe including Scandinavia. Also, Turkey, Egypt, Tunisia and Morocco and countries bordering the Mediterranean including the Canaries and the Azores.
WORLDWIDE including USA/Canada - all countries in the world including the United States of America and Canada.
WORLDWIDE excluding USA/Canada – covers all other countries in the world.
We do not cover travel to countries the FCO advise against all or all but essential travel to. We do not offer expedition cover to either the North or South Poles. All other expeditions to remote regions are subject to individual quotes and require a full detailed submission of the expedition itinerary before the risk is accepted. Please email your expedition itinerary including guiding arrangements, your experience, emergency provisions and expedition objectives to firstname.lastname@example.org
WHAT TO DO IN A MEDICAL EMERGENCY
In a medical emergency, contact International Medical Rescue 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.