Gold Ski policy

 

Keypoints

 

• Maximum age for travellers is 80 for single trip ski insurance policies based on their age at date of trip departure.
• Maximum age for travellers is 70 for annual multi trip ski insurance policies based on their age at policy start date.
• Family ski insurance, covers all dependent children aged 17 or less who are in full time education.
• Max trip duration is 31 days per trip on annual multi trip ski policies. Option to increase to 45 days per trip cover.
• A total of 24 days wintersports coverage is included on annual multitrip ski policies.
• This travel insurance policy is only available to UK, Channel Islands or Isle of Man residents.
• All prices shown include 20% Insurance Premium Tax which is payable to the Government on any travel insurance sales.

 

Activities

 

This policy will cover you when you are engaging in the following sports and activities on a non-professional basis during your trip unless otherwise stated:

 

Abseiling, Aerobics, Amateur Athletic Field Events, Amateur Athletic Track Events, Angling, Animal Sanctuary/Refuge Work, Archery, Athletics, Badminton, Ballooning - Hot Air, Bamboo Rafting, Banana Boating, Bar Work, Baseball, Basketball, Beach Games, Biathlon, Billiards, Bird Watching, Body Boarding, Bowling, Bowls, Boxing Training, Bridge, Bridge Swinging, Bungee Jumping, Camel/Elephant Riding/Trekking, Camping, Canoeing, Canoeing (excluding white water), Caravanning, Catamaran Sailing (In-shore), Chess, Clay Pigeon Shooting, Climbing, Cricket, Croquet, Curling, Cycle Touring, Cycling, Dancing, Darts, Deep Sea Fishing, Diving, Driving Any Motorised Vehicle, Elephant Trekking (UK-Booked), Expeditions, Fell Running, Fell Walking, Fencing, Fishing, Fives, Flag football, Flying as passenger (private/small aircraft), Flying ex crew/pilot, Football, Football - Beach Kick Around, Fresh Water/Sea Fishing, Frisbee, Fruit or Vegetable Picking, Glass Bottom Boats, Gliding (learning non competition), Golf, Gorilla Trekking, Gymnastics, Highland games, Hiking/Trekking/Walking, Hill Walking up to 2000m, Historical Research, Horse Riding, Hot Air Ballooning, Indoor Skating, Jet Boating, Jet Skiing, Jet Skiing (non incidental), Jogging, Kayaking (up to grade 2 rivers only), Keepfit, Kiting, Korfball, Low Ropes, Manual Labour, Marathons, Model Flying, Motorcycling with appropriate UK licence, Mountain Biking, Netball, Orienteering, Overland Trips, Petanque, Pigeon racing, Pony Trekking, Pool, Power lifting, Quoits, Rackets, Rafting, Rambling, Rambling under 1,000m, Rap Running/Jumping, Raquet Ball, Re-Enactment, Restaurant Work, Rifle Range, Ringos, River Walking , Rock Scrambling (under 4,000m), Rounders, Rowing, Running, Sprint/Long Distance, Safari (UK Organised), Safari Trekking, Sail Boarding, Sailing, Sailing/Yachting inshore (recreational), Scuba Diving to 18m, Scuba Diving to 30m, Scuba Diving to 9m, Sea Fishing, Shinty, Shooting, Shooting (target range-not hunting), Small Bore Target Shooting, Snooker, Snorkelling, Softball, Squash (amateur), Surfing (amateur), Swim Trekking , Swimming, Swimming with Dolphins, Sydney Harbour Bridge, Table Tennis, Team Games, Ten Pin Bowling, Tennis, Trekking 1000m, Triathlon, Tubing, Tug of War, Volleyball, Walking, Water Skiing (amateur), Weight Lifting, Whale Watching, White Water Rafting + Canoeing (grade 1 to 3), Windsurfing, Working, Yachting (inland and coastal waters), Yoga.

 

This policy will also cover you for the following Winter Sports activities where the necessary additional Winter Sports premium has been paid and Winter Sports cover is shown on your Policy Certificate:

 

Big Foot Skiing, Cat Skiing, Cross Country, Skiing, Glacier Walking, Hockey (Ice) With Full Body, Husky Dog Sledding, Ice Skating, Kick Sledging, Mono Skiing, Off-piste skiing Passenger Sledge, Ski Boarding, Ski Dooing, Ski-doos, Skiing, Skiing - Cat Skiing - Cross Country, Skiing - Mono, Skiing- Nordic, Sledging, Sleigh riding (reindeer, horses or dogs), Snow Biking, Snow Blading, Snow Bobbing, Snow Mobile/Ski Doos, Snow Mobiling, Snow Parascending, Snow Scooting, Snow Shoe Walking, Snow Tubing, Snowboarding, Snowcat Driving, Speed Skating, Telemarking, Toboganning/Sledging.

 

Policy terms and conditions

 

Single and Annual Multi Trip

 

Pre-Travel and Travel Policies

 

 

Master Policy Number: _{RTURI40035 -04 A&B}

 

This cover is for residents of the United Kingdom and the Channel Islands only

 

For policies issued from 1^st June 2013 to 31 ^st May 2014 with travel before 31^st May 2015

 

Your Important Information

 

If you need emergency medical assistance abroad or need to cut short your trip:

 

Contact Emergency Assistance Facilities 24hour Emergency advice line on:

 

+44 (0) 845 260 3260 or +44 (0) 1732 85 33 33

 

If you need a claim form

 

You can download the relevant form at: www.travel-claims.net

 

Or contact Travel Claims Facilities on:

 

0845 3707 133

 

 

 

 

If you need legal Advice:

 

Contact Pannone LLP on:

 

+44 (0) 161 228 3851

 

Underwritten by Travel Insurance Facilities and Insured by Union Reiseversicherung AG, UK Branch

 

Section

Benefit

Gold

Silver

Bronze

up to

Excess

up to

Excess

up to

Excess

PRE- TRAVELPOLICY

A1

Cancellation Cover

£5,000

£50

£1,500

£75

£500

£100

A2

Scheduled Airline Failure

£1,500

50

No cover

Nil

No cover

Nil

TRAVEL POLICY

B1

Departure Delay

£35 per 12 hours

nil

£25 per 12 hours

nil

£20 per 12 hours

nil

delay up to a

delay up to a

delay up to a

maximum of £210

maximum of £150

maximum of £100

Missed Departure

£1,000

nil

£600

nil

£300

nil

Missed Connection

£1,000

nil

£600

nil

£300

nil

Abandonment

£5,000

£50

£1,500

£75

£500

£100

B2

Personal Possessions

£2,000

£50

£1,500

£75

no cover

nil

Valuable limit

£500

£50

£400

£75

no cover

nil

Single Article limit

£300

£50

£200

£75

no cover

nil

Possessions delayed over 12

hours

£150

nil

£100

nil

£75

nil

B3

Personal Money

£500

£50

£300

£75

no cover

nil

Cash limit

£250

£50

£150

£75

no cover

nil

Travel Documents

£350

nil

£250

nil

£150

nil

Emergency Medical

£10,000,000

£50

£5,000,000

£75

£2,000,000

£100

B4

Expenses

State hospital benefit per day

£50

nil

£25

nil

£15

nil

State hospital benefit in total

£1,500

nil

£1,000

nil

£500

nil

B5

Curtailment

£5,000

£50

£1,500

£75

£500

£100

B6

Personal Liability

£2,000,000

£50

£2,000,000

£75

£1,000,000

£100

B7

Personal Accident

* Death Limit

£25,000

nil

£15,000

nil

£10,000

nil

**Permanent loss of sight or limb

£25,000

nil

£15,000

nil

£10,000

nil

**Permanent total disablement

£25,000

nil

£15,000

nil

£10,000

nil

* payment reduced if aged under 16 or over 75

£3,500

nil

£2,500

nil

£1,000

nil

** No payment if aged under 16 or over 75

B8

Legal Advice and Expenses

£25,000

nil

£15,000

nil

£10,000

nil

B9

Catastrophe

£1,000

nil

no cover

nil

no cover

nil

B10

Hijack Cover

£1,000

nil

no cover

nil

no cover

nil

B11

Mugging

£1,000

nil

no cover

nil

no cover

nil

ADDITIONAL COVER AVAILABLE (upon payment of premium)

B12

Golf Extension

Your golf equipment

£1,500

£50

£1,500

£50

no cover

nil

Hired golf equipment

£200

£50

£200

£50

no cover

nil

Single Article limit

£500

£50

£500

£50

no cover

nil

Delayed golf equipment

£50 per

nil

£50 per

nil

no cover

nil

12 hours up to a

12 hours up to a

maximum of £400

maximum of £400

Loss of green fees

£100 per day up

nil

£100 per day up

nil

no cover

nil

to a maximum of

to a maximum

£400

of £400

Hole in one

£100

nil

£100

nil

no cover

nil

 

B13	Business Extension
	Business Effects	£500	£50	no cover	nil	no cover	nil
	Delayed Business Effects	£100	nil	no cover	nil	no cover	nil
		compensation
	Business Samples	£350	£50	no cover	nil	no cover	nil
		£500 for	nil	no cover	nil	no cover	nil
	Delayed Business Samples	transportation
		costs after
		12hours
	Replacement Business Effects	£150 per day	nil	no cover	nil	no cover	nil
	Business money	£500	£50	no cover	nil	no cover	nil
	Replacement business
	associate	£1,500	nil	no cover	nil	no cover	nil

 

	B14			Timeshare Extension
			Unused/cancellation			£1,500	£50	£750			£50		no cover	nil
			of time share property
	B15			Winter Sports Extension
			Your Ski equipment			£400	£50	£400			£50		£400	£50
			Hired Ski equipment			£200	£50	£200			£50		£200	£50
			Delayed ski equipment total			£300	£50	£300			£50		£300	£50
			Ski Pack			£300	£50	£300			£50		£300	£50
			Avalanche			£25 per day up			£25 per day up to				£25 per day up to a
						to a maximum	nil		a maximum of		nil			nil
													maximum of £250
						of £250		£250
						£20 per day up			£20 per day up to				£20 per day up to a
			Piste Closure			to a maximum	nil		a maximum of		nil			nil
													maximum of £200
						of £200		£200

PRE TRAVEL POLICY

 

Note 1. Your policy does not provide cover for re-occurring or pre-existing medical conditions. If you haveever had a heart related problem, a stroke, cancer, any breathing problems, diabetes or had any other medical condition which has been treated in a hospital or has been referred to a specialist in the last 2 years you should phone Travellers HealthCheck on 08452 307 624 to see if cover is available. Travellers HealthCheck will confirm any special terms in writing.

 

TRAVEL POLICY

 

Note 2. Your policy does not provide cover for re-occurring or pre-existing medical conditions. You must also tell us if your health or medication changes between buying this policy and travelling and if you have ever had a heart related problem, a stroke, cancer, any breathing problems, diabetes or had any other medical condition which has been treated in hospital or has been referred to a specialist in the last 2 years you should phone Travellers HealthCheck on 08452 307 624 to see if cover is available. Travellers HealthCheck will confirm any special terms in writing.

 

Note 3. Cover for accidental death is reduced to £1,000 if you are under 16 or over 75 The benefit for inability to work does not apply if you are over 75.

 

IF YOU NEED ASSISTANCE ABROAD:

 

Contact Emergency Assistance Facilities 24 Hour Emergency Assistance on +44 (0) 845 260 3 260 or +44 (0) 1732 85 33 33

 

IF YOU NEED LEGAL ADVICE:

 

Contact Pannone LLP on 0161 228 3851

 

WHERE TO OBTAIN A CLAIM FORM:

 

 

Contact Travel Claims Facilities on 0845 3707 133 or from the internet on: www.travelclaimsfacilities.co.uk

 

 

POLICY INFORMATION

 

Your insurance is covered under master policy numbers RTURI40035 - 04 A & B specially arranged through Covered2go travel insurance and insured by Union Reiseversicherung AG. Cover is provided for each passenger who is shown as having paid the insurance premiums and whose name is shown on the insurance certificate issued by Covered2go travel insurance and administered by Rush Insurance Services Limited, an appointed representative of ITC Compliance, who are authorised and regulated by the Financial Services Authority. This insurance wording is a copy of the master policies and is subject to the terms, conditions and exclusions of the master policies. Your single trip policy will only cover persons aged 80 or under and Your Annual Multi Trip policy will only cover persons aged 70 or under travelling on trips of 31 days or less, where you hold a return ticket within that period travel. Your Annual Multi Trip policy only covers trips of 31 days or less outside your home country and trips within your home country of a minimum of 3 days, unless the applicable premium has been paid to include trips up to 45 days or up to 60 days. Cover is only provided for children of the principal policyholder aged under 18 residing at home when they accompany the principal policyholder and/or his/her spouse. No independent travel of your children is covered. No refund of the insurance premium will be given after the policies have been issued unless, after receipt, you find that the terms, conditions and exclusions do not meet your requirements and an alternative is available. In this case you must return the policy, insurance certificate with your alternative insurance policy to the place where you purchased it within 14 days of purchase for a refund to be considered. Your policies do not provide cover on any claim that is due to a pre-existing medical condition of a close relative or close business associate. There is no cover for cruises under Bronze or Silver cover.

 

OUR PLEDGE TO YOU

 

It is our aim to give a high standard of service and to meet any claims covered by these policies honestly, fairly and promptly. We occasionally get complaints and these are usually through a misunderstanding or insufficient information. Any complaint will be investigated at once and the matter resolved as quickly as possible.

Policy A – Pre-Travel Policy

 

HOW YOUR PRE-TRAVEL POLICY WORKS

 

This part of your insurance document shows details of the pre-travel insurance policy, the sections of cover, limits, conditions, exclusions, and information on what to do if you need to claim. It is essential that you read it. The policy is a contract between us and you. We will pay for any event, as set out in the policy that happens during the period from purchase of the policy and time of booking to date of travel for which you have paid the appropriate premium. All numbers and letters shown under ‘For each insured-person this insurance will not cover:’ refer to the same numbers and letters under ‘For each insured-person this insurance will pay:’ Where no letters or numbers are shown it applies to the whole section. If you are a person buying insurance wholly or mainly for personal purposes unrelated to your employment, you have a duty to take reasonable care to answer questions fully and accurately, and that any information you volunteer is not misleading. This duty exists before the cover is placed, when renewed, or altered at any time throughout the duration of the policy. If you do not do so, your Insurer may be able to void your policy from inception. An example of this could be the medical history of a close relative or other person that may cause you to cancel or cut short your trip. If you are unsure whether or not information is relevant please do not hesitate to call us on 08452 307 624

 

WHEN YOUR PRE-TRAVEL POLICY STARTS AND ENDS

 

The cover on cancellation, as described under section A under the pre-travel policy, starts from the commencement date of cover shown on your insurance certificate, after the policy was issued and ends when you leave home to start each trip. Further trips of up to 31 days will be covered on Annual multi trip policies, unless the applicable premium has been paid to include trips up to 45 days or up to 60 days in duration.

 

CHANGE IN MEDICAL CONDITION OR ONGOING MEDICATION

 

If your health or your ongoing medication changes between the date the policy was bought and the date of travel you must advise Travellers HealthCheck on 08 451 300 340 as soon as possible. We will advise you what cover we are able to provide after the date of diagnosis. We reserve the right to increase the premium, increase the excess, exclude the condition or withdraw the cover should the stability of the condition make it necessary.

 

DEFINITION OF WORDS APPLICABLE TO YOUR PRE-TRAVEL POLICY

 

Listed below are certain words that appear throughout the policy. These will always be shown in bold type and in all cases will have the meanings shown below.

 

Insured-person/you/your - means any person named on the insurance certificate.

 

Principal policyholder - means the first named insured-person.

 

We/our/us - means Union Reiseversicherung AG.

 

Pre-existing medical condition - means any serious or recurring medical condition which has been previously diagnosed, investigated or treated in any way, at any time prior to travel, even if this condition is currently considered to be stable and under control.

 

Cruise - a pleasure voyage of more than 72 hours duration, sailing on sea/s or oceans and includes stops at various ports

 

Resident - means a person who has had their main home in the United Kingdom or the Channel Islands and has not spent more than six months abroad in the year before buying this policy.

 

Close relative - means spouse or partner of over six months, parents, grandparents, legal guardians, parents-in-law, step-parents, aunt, uncle, brother, sister, child, grandchild or fiancé(e).

 

Business associate - means a business partner, director or employee of yours who has a close working relationship with you. Home - means one of your normal places of residence in the United Kingdom or the Channel Islands.

 

Trip - means a holiday or journey that begins when you leave home and ends on your return to either (i) your home, or (ii) a hospital or nursing home in your home country following your repatriation, both during the period of cover.