Ski Insurance

Our ski insurance is arranged by Apple Booking Company Ltd and underwritten by AXA General Insurance Ltd a member of the Association of British Insurers. It includes sections specific to skiing holidays. This offered to all our clients and if the premium is paid at the time of booking then you are covered for cancellation or curtailment of your holiday.

Premiums (inclusive of Insurance Premium Tax) are:
Up to 10 days £34.00 per adult (over 18) Up to 17 days £43.90 per adult (over 18) Children(2 - 17) 50% of adult price
Special premium for Annual Multi-trip Cover including 17 days winter sports cover:
£65 per adult or £99 for 2 adults

Summary of benefits
Personal accident:	to £25,000
Medical and Repatriation:	£5,000,000
Cancellation or Curtailment:	£5,000
Departure delay:	to £100
Ski equipment:	to £350
Ski pack, pre-booked lift passes, hired skis and boots unused tuition:	to £100 per week
Piste closure:	£10 per day towards transport costs, or £20 per day for each full day lost
Baggage and Personal Belongings:	£1,500
Personal Liability:	to £2,000,000
Legal Expenses:	£25,000
Missed departure:	£300 (Europe)

Excesses
None for delayed baggage/departure
Other categories are £50

Claims
It is a condition of the policy that all material facts are disclosed. Failure to do this may affect your rights under the terms of the policy. This includes any reason why your trip might be cancelled or curtailed, receiving or waiting for treatment as hospital in-patient, travelling against medical advice or without obtaining medical clearance.

Exclusions
Main ones are as follows:
Loss or damage to your ski equipment if it is over 5 years old Loss or damage to hired equipment unless you have a receipt from the hire shop Losses not reported to the police in 24 hours and confirmed by written report The first 24 hours of piste closure Piste closure if not all skiing facilities are fully closed Self exposure to needless peril; ski-racing, off piste skiing without a guide or instructor; ski-jumping; ice hockey; heliskiing; the use of bob-sleighs, skeletons, ski-doo or snowbike

Important conditions
You will not be covered in the following circumstances:
If you have consulted a doctor or received in-patient treatment for an on-going medical condition in the last 12 months, UNLESS you have doctors permission to travel. If you have a terminal illness If you are travelling to get medical treatment abroad If you are expecting to give birth before you arrive home or within eight weeks of arriving home. If you cancel your holiday to go into hospital as an in-patient if you were on a waiting list for that in-patient treatment when this insurance was issued. If you have been previously refused travel insurance. If you have not lived in the UK for a continuous period of at least 12 months and are not registered with a UK doctor before the insurance was issued. If you are 70 or over and purchasing an annual multi-trip policy. If you are taking a one way trip.