Pre-book your travel insurance with Peak Retreats
The cover is arranged by Travel & General Insurance Services Limited (tagis) (firm reference number 304788).
Taking out our Travel 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. Peak Retreats Limited (firm number: 478850) is an Appointed Representative of Travel & General Insurance Services Limited full details of which can be found on the Financial Conduct Authority (FCA) website (www.fca.org.uk).
Premiums 2016 - valid until 31/12/16
(Inclusive of 20% Insurance Premium Tax)
Standard insurance cover excluding wintersports
Adventure activities – (Europe Only)
Subject to a 50% premium (on each individual party members premium & on single trip only):
- Glacier Trekking
- Indoor Climbing
- Mountain Biking
- Quad biking
- Rock climbing
- Ice climbing
- Via Ferrata
Cover subject to all activities being booked or arranged though reputable companies as opposed to being undertaken on an independent basis (other than recreational mountain biking). No cover for professional or competitive activities. No Personal Liability cover for Quad biking and must be wearing a crash helmet whist riding / passenger on the quad bike. Unfortunately there is no cover for caving and potholing.
Excess waiver – Additional £22 per policy
Wintersports Premiums 2016 - valid until 31/12/16
(Inclusive of 20% Insurance Premium Tax)
For over 17 days please enquire
Excess waiver – Additional £22 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
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.
Download a copy of the 2016 TAGIS insurance document (in PDF format)
Schedule of Cover
* Winter sports cover included as standard for 17 days under the Annual multi trip policy and can be extended on payment of additional premium. Available as an optional extension under the single trip policy.
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 01702 427253 (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 Travel & General on 020 3794 2954
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.
An insurance policy can only provide cover in respect of an event/occurrence which is sudden, unforeseen and beyond your reasonable control. 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 have read and understood the following relating to Pre-Existing Medical Conditions:
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?
If you have answered yes to any of these questions, you must contact Healthcheck on 01702 427253
A policy document that fully defines the cover, conditions and exclusions will be sent to you 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
It is our intention to provide you with the best service possible, but if you do have any questions or concerns about this insurance or the handling of a claim you should follow the Complaints Procedure below:
Sale of policy: If Your complaint is about the sale of Your policy and cannot be resolved by the end of the next working day, Your agent will pass it to:
Customer Relations Department, UK General Insurance Group Limited, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ.
Claims: In all correspondence please state that Your insurance is provided by UK General Insurance Group Limited and quote reference tagis14/05025C. If Your complaint about Your claim cannot be resolved by the next working day, Claims Settlement Agencies will pass it to:
Customer Relations Department, UK General Insurance Group Limited, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ
If it is not possible to reach an agreement, You have the right to make an appeal to the Financial Ombudsman Service. This also applies if You are insured in a business capacity and have an annual turnover of less than €2million and fewer than ten staff. You may contact the Financial Ombudsman Service at:
South Quay Plaza, 183 Marsh Wall, London, E14 9SR