For your own protection

If for any reason you find out that the insurance is not suitable for you after you have purchased it, there is a 14 day cooling off period. You may therefore return it for a full refund within that time period as long as you have not travelled or made a claim within that time. Please note prices are for the 2014/15 season.

*Family insurance covers 2 adults and any number of children aged up to 15 years old residing at the same address.

Ski holiday insurance …. its very specialist, quite hazardous and most insurance companies caveat and excess away the risk to themselves. We know everyone has annual insurance of some sort these days but are you really sure that you are properly covered for the following;

• Off piste skiing without a guide. Very easy to stray the wrong side of a piste marker without realizing it. RESCUE & MEDICAL BILL £10,000

• Accommodation, travel and expenses if the road to resort is closed by an avalanche or your aircraft is grounded by an ash cloud. BILL £500

• Rental skis disappearing from outside a mountain restaurant. BILL £1000

• A collision on the hill injuring another skier. LEGAL FEES & DAMAGES £250,000

These scenarios can cost tens of thousands of pounds and spoil your holiday. It seems silly to take the risk, and to try and convince you, we now sell bespoke ski insurance cover from FOGG at cost price.

If you do not take our insurance policy then you warrant that your own insurance and that of each of your party provides equivalent cover, this is a condition of travelling with us.

Summary of cover

A brief summary of the single trip cover is provided below. Full details of terms, conditions and exclusions are available on request, and will be sent with your confirmation of booking.

SECTION / LIMIT

• Cancellation/Abandonment - £5,000
• Medical Expenses - £5,000,000
• Hospital Inconvenience Expenses - £20/day  £300
• Personal Accident (see below) - £25,000
• Baggage - £1,500
• Single Item - £250
• Valuables - £250
• Delayed possessions - £150
• Ski Equipment - £700
• Single set limit - £500
• Hired Equipment - £400
• Personal Money (including lift pass) - £500 (£250 cash)
• Loss of Travel Documents - £200
• Personal Liability - £1,000,000
• Delayed Arrival - £100
• Delay Cancellation - £5,000
• Missed Departure - £500
• Legal Expenses - £10,000
• Ski Equipment Hire Charges  - £150
• Weather Extension - £350
• Piste Closure* - £300
• Unused Ski Pack - £400

Excesses
£75 excess applicable to most sections (£20 Loss of Deposit)
£250 excess applicable to Personal Liability and Legal Expenses Sections
*Only valid between 15 Dec - 15 Apr.

Personal Accident Section
Some benefits under this section are reduced. The full benefits schedule is provided within the full policy terms, available upon request, otherwise will be sent with your confirmation of booking.

Code of practice

Important notice
Under the Association of British Insurers General Business Code of Practice we have to bring to your attention some of the important features of the Fogg travel insurance policy.

Insurance Policy
This contains full details of the cover provided plus the conditions and exclusions which apply to it. You must read the insurance policy carefully.

Conditions and Exclusions There are conditions and exclusions, which apply to individual sections and general conditions, exclusions and warranties, which apply to the whole policy.

Medical expenses Your policy does not provide private health treatment unless specifically approved by the emergency assistance service. You should carry an EHIC (formerly E111) or equivalent and use this at state facilities when travelling within the European Union.

Health
If you, or any other person travelling with you, have ever had treatment for any heart or circulatory condition, a stroke or high blood pressure, any breathing condition (including asthma), any type of cancer, any type of diabetes, any psychological conditions, any existing injury or other serious or re-occurring medical condition, any condition requiring long term prescribed medication or if you are receiving or awaiting investigation for any medical condition you must advise the Referral Helpline as per the policy terms to see if additional cover is available. Insurers reserve the right to impose terms. You will receive confirmation in writing of their decision.
The policy may not cover claims arising from your pre-existing health conditions so you need to tell FOGG of anything you know that is likely to affect acceptance of your cover including any type of psychological condition (such as stress, anxiety, depression, eating disorders or mental instability).

Property Claims 
These are settled on an indemnity basis - not on a “new for old” or placement cost basis.

Policy Limits
Most sections of the policy have limits on the amount the insurer will pay under that section. Some sections also include inner limits e.g. for any one item, or for valuables in total.

Policy Excesses
Claims under most sections of the policy will be subject to an excess. Where there is an excess, you will be responsible for paying the first part of the claim.

Fraud
The making of a fraudulent claim is a criminal offence. Your insurer may be recording details of claims on an anti-fraud register.
 
Reasonable Care
You are required to take all reasonable care to protect yourself and your property and to act as though your are not insured.

Accurate Information 
You have a duty to take full reasonable care to provide us with full and accurate information in relation to taking out this policy. Failure to fulfil this duty may impact any claim made on the policy. If you are in doubt what you need to tell us please contact us. You should keep a record of any information you give us.
 
Complaints
The Insurance policy includes a Complaints Procedure which tells you what steps you can take if you wish to make a complaint.

Hazardous Holiday Activities
The policy may not cover you when you take part in certain hazardous activities e.g. paragliding.
 
Law
The contract will be subject to English Law unless otherwise agreed.

It is essential that you read the insurance certificate. As with most insurance, you are only insured for an event which occurs after you have purchased the cover. Please carefully read the paragraph headed “Health” under the Important Notice Section and shown below. If for any reason it is not suitable for you, you may return it for a full refund, provided you return it within 14 days of purchase and you have not travelled or have made a claim.

Health: If you, or any other person travelling with you, have ever had treatment for any heart or circulatory condition, a stroke or high blood pressure, any breathing condition (including asthma), any type of cancer, any type of diabetes, any psychological conditions, any existing injury or other serious or reoccurring medical condition, any condition requiring long term prescribed medication or if you are receiving or awaiting investigation for any medical condition you must advise the Referral Helpline as per the policy terms to see if additional cover is available. Insurers reserve the right to impose terms. You will receive confirmation in writing of their decision.

If you do not tell us about your pre-existing health conditions they will not be covered at all and you will not be able to claim for anything caused by them. We are unable to provide any cover on psychological conditions such as stress, anxiety, depression, eating disorders or mental instability unless pre-screened and accepted by the Referral Helpline in writing