Peak Retreats Ski Insurance    

The cover is underwritten by Travel & General Insurance Company Plc except section K (Legal expenses), which is underwritten by DAS Legal Expenses Insurance Company Limited. Both insurers are authorised and regulated by the Financial Services Authority.

Taking out our Insurance

Travel insurance is a vital aspect to booking a holiday, giving you protection against unforeseen circumstances that could otherwise spoil your holiday. It is important that you purchase travel insurance that properly covers your participation in whatever activities you may undertake at the time that you make your booking. We have arranged competitive travel insurance with Travel & General Insurance Services Ltd that has been tailored to specifically meet your needs on your holiday.

The schedule of the cover below sets out a summary of the cover provided by our tailored insurance. The cover is underwritten by International Insurance Company of Hannover Limited (IICH) who are authorised and regulated by the Financial Services Authority. Peak Retreats Limited is an Appointed Representative

of Travel & General Insurance Company plc (firm number: 478850) full details of which can be found on the FSA website (www.fsa.gov.uk).

Premiums 2011/2012

(Inclusive of 20% Insurance Premium Tax)

We can now provide cover for EU residents inc. annual multi trip policies.

For over 17 days please enquire

Excess waiver – Additional £35 per policy

*    Annual multi-trip including up to 17 days of winter sports cover. Maximum age is 64.

**  Child (under 18yrs) Infants under 2 on departure: free

#    2 adults and up to 4 children under 18

Summary of benefits for you and your family

(if applicable) - please see the policy document for other limits that may apply

Provision of a 24 hour emergency telephone service 365 days a year

For cancellation claims, only two excesses will be deducted for a family.

Like all insurance policies there are definitions and exclusions so we urge you to read the exact policy wording when you receive it.

Please select here to download a copy of the insurance document (PDF format)

Health: The insurance contains conditions that relate to your health and that of others not necessarily travelling with you but upon whose health the trip may depend. In particular, pre-existing medical problems may not always be covered and you may be required to contact our Insurers' medical helpline. Should this be the case and you would like consideration to be given to include your medical condition, please contact Health Check on 0845 408 0585 (within 14 days of taking the insurance) quoting the scheme reference number and validation certificate number. They will ask you a number of questions relating to your condition and confirm that cover can be given and if any restrictions are imposed.

Should you have any very specific query concerning the cover provided or if in any doubt, please contact our brokers directly:

Important Information

Under the ABI Code of Practice, we are required to draw to your attention certain important features of your policy as follows.

POLICY DOCUMENT: you should read the document carefully. It gives you full details of what is and what is not covered and the conditions of the cover. Cover will vary from policy to policy and Insurer to Insurer.

CONDITIONS, EXCLUSIONS & WARRANTIES: conditions and exclusions will apply to individual sections of your policy whilst general exclusions, conditions & warranties will apply to the whole of your policy.

HEALTH: your policy may contain restrictions regarding pre-existing medical problems concerning the health of the people travelling and of the people upon whose health the trip will depend. You are advised to read our policy carefully.

Please bear in mind that in France rescue services for skiers are chargeable and payment must be made on site following a rescue.

The rescue service includes locating casualties, properly securing them in order to remove them from the slopes, transporting them to a medical practice, returning their ski equipment and compiling a detailed report of the rescue operation. 

An example of  prices for rescue services is as follows (based on Les Deux Alpes):

- Adjacent zone, unaccompanied............................................. 100 €

- Assistance  and evacuation by ski lift ......................................255 €

- Assistance and evacuation by helicopter..................................649 € minimum depending on destination

DANGEROUS SPORTS OR PASTIMES: if you are going to take part in dangerous sports or pastimes where there is a high risk of injury, check that your policy covers you.

PROPERTY CLAIMS: these claims are paid based on the value of the goods at the time you lose or damage them and not on a "new for old" or replacement cost basis.

POLICY LIMITS: most sections of your policy have limits on the amount the insurer will pay under that section. Some sections also include other specific limits, for example: for any one item or for valuables in total. You are advised to check your policy if you intend taking expensive items with you.

POLICY EXCESSES: under most sections of the policy claims will be subject to an excess. This means that you will be responsible for paying the first part of the claim. The amount you have to pay is the excess.

REASONABLE CARE: you need to take all reasonable care to protect yourself and your property.

COMPLAINTS: your insurance policy will have in it a complaints procedure which tells you what steps you can take if you wish to make a complaint.

"COOLING OFF" PERIOD: your policy contains a cooling off period during which you can return the policy and get a refund, if you have a justifiable reason for being dissatisfied with the cover that it provides.

Your policy is governed by the law in the country that you reside in within the United Kingdom, unless otherwise stated on your policy.
The identity of the insurer or insurers will be shown on the policy document.

Important declaration

An insurance policy can only provide cover in respect of an event/occurrence which is sudden, unforeseen and beyond your reasonable control. Therefore any facts known to you, which could possibly result in you having to make a claim, must be disclosed otherwise you may not be covered. In addition, anyone named as insured under this policy must be able to make the following declaration (The legal guardian must make the declaration for anyone under the age of 18 years old):

1. Do you or a close relative have a pre-existing medical condition?

2. Have you or a close relative received a terminal prognosis for any medical condition?

3. Are you or a close relative aware of a medical condition but have not received a formal diagnosis?

4. Are you or a close relative on a waiting list or have the knowledge of the need for surgery in a hospital?

5. Are you aware of any circumstances that could reasonably be expected to give rise to a claim on this policy?

Please refer to the policy wording for the definition of close relative and pre-existing medical condition.

If you have answered yes to any of these questions, you must contact Healthcheck on 0844 826 2711

A policy document that fully defines the cover, conditions and exclusions will be sent to you by email with your booking confirmation. When you receive your policy, please take the time to read it carefully to ensure you understand what is and what is not covered and that all activities that you may wish to participate in are included. If it does not meet your requirements, please return the policy, proof of premium and any other relevant documents to us within 14 days of receipt and we will refund the premium in full, provided you have not travelled or made a claim.

Failure to comply with the terms and conditions of the policy may result in cover being restricted.

PLEASE MAKE SURE YOU READ YOUR POLICY CAREFULLY

If you have a complaint and it is about something other than a claim, please contact Peak Retreats Limited. They will try to resolve your complaint immediately, but if they are unable to do so, you may write to: The Underwriter, Travel & General Insurance Company plc, Level 1, Tower 42, Old Broad Street, London EC2N 1HQ

Please always give details of the policy and complaint, together with the claims reference number; your case will be reviewed and replied to in writing.

If you are not happy with the outcome of the stages detailed above, you may refer your complaint to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London. E14 9SR. Please note that the Ombudsman will not normally review your case until such time we have made our final decision. Please give us the opportunity to handle your complaint before referring things to the Ombudsman.

For further information please call us on 0844 576 0170