terms of business
We are a specialist provider of activity travel insurance. Snowcard Insurance Services Limited
is an Appointed Representative of Campbell Irvine Limited who are authorised and regulated by the Financial Conduct Authority. Details of our regulatory status can be accessed via the FCA website www.fca.org.uk or by calling 0800 111 6768. 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 via email. 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, including your eSnowcard containing the emergency contact details for when you travel.
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.
Premiums are payable at the time of booking your insurance. All premiums collected are held in an insurer bank account with HSBC. As an agent of the insurer payment to Snowcard is the same as paying the insurer directly. 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. All premiums quoted include Insurance Premium Tax at the prevailing rate.
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.
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 Conduct 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.