Designed for Winter Sports
Upgrade for Higher Risk sports
Helicopter Rescue if needed
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Ski Insurance Definitions

Abandonment

In the event of a trip being abandoned following a travel delay of not less than 24 hours, these travel insurance policies will pay up to the figure shown for pre-booked accomodation and travel expenses.

Avalanche Closure

Provides cover in the event of an avalanche disrupting your travel plans.

Business Equipment

Policy will reimburse you for accidental loss, theft or damage to your business equipment.

Business Money

Policy will reimburse you up to the amount shown for the loss of business money.

Business Samples

Policy covers up to the amount shown for loss, theft or damage of business samples and includes emergency courier expenses.

Cancellation

Provides cover up to the amount shown for travel and accommodation expenses that you have paid, if it is necessary for you to cancel or cut short you trip, due to specified causes as detailed in the policy wording or curtailment following injury or illness.

Catastrophe Cover

Policy will pay up to the amount shown for the cost of providing other similar accommodation in the event your prebooked accommodation cannot be lived in due to fire, flood, earthquake or storm.

Delayed Baggage

Provides cover for emergency purchase if your baggage is delayed in transit.

Emergency Repatriation

If it is medically necessary for you to return back to the UK, you will be covered up to the amount shown. Our medical assistance company will make all arrangements for your repatriation.

Equipment Delay

Policy covers up to the amount shown for necessary expenses incurred as a result of obtaining business equipment which is essential to your intended business itinerary if your own business equipment is delayed.

Equipment Hire

Policy will cover you up to the amount shown with a daily amount for each 24 hour period that you are without your own business equipment if it is lost, stolen, damaged, misdirected or delayed in transit.

Golf Equipment

Policy covers up to the amount shown for loss, theft or damage of your golfing equipment.

Golf Equipment Hire

Policy covers the hire of golf equipment if your own equipment is delayed in transit.

Hijack

Provides covers in the event that the transport you are travelling on is hijacked during your planned trip.

Hire of Equipment

Policy will pay a daily amount up to the total amount shown for hire of ski equipment to replace delayed equipment.

Hole in 1 Cover

Provides up to the amount shown for drinks in the event of claiming a hole in 1.

Inpatient Expenses

Covers up to the amount shown, if hospitalisation as an in-patient occurs abroad. You will receive a day amount for expenses such as taxi fares, telephone calls etc. incurred during hospitalisation.

Legal Expenses

This policy will reimburse you up to the amount shown for legal costs incurred by you in pursuit of legal proceedings against third parties for compensation owed to you arising from death serious injury and /or personal accident injury to you during the period of cover.

Medical Expenses

Provides cover up to the amount shown for medical expenses, emergency rescue services, accommodation, travel expenses and repatriation, due either to illness, injury or death anywhere abroad.

Missed Departure

Provides cover for reasonable additional accommodation and travel expenses in the event of being unable to reach your international point of departure because of a failure of public transport or the accident/breakdown of a motor vehiclei in which you are travelling.

Mountain Rescue

Covers up to the amount shown for medical evacuation from the mountain by any suitable means (including helicopter rescue) in the event of injury, illness or death. You must be within normal ski resort boundaries and have observed all ski patrol guidelines.

Mugging

Policy will pay a daily amount up to the amount shown if you are hospitalised during your holiday because of a mugging.

Non Refundable Fees

Policy will pay for non refunable green fees incurred due to Accident or sickness of an Insured; or Loss or theft of documentation which prevents the participation in the pre-paid golfing activity.

Non Refundable Golf Fees

Allows you to reclaim green fees that you have paid in advance and are unable to reclaim in the event of cancelling your trip or injuring yourself.

Personal Accident

Covers up to the amount shown for personal accident including loss of limb(s) or eye(s) or permanent disablement due to an accident whilst abroad.

Personal Belongings

Provides cover for the loss or damage of luggage including suitcases and contents, articles worn or carried during your trip.

Personal Liability

Provides covers up to the amount shown if you are legally liable for accidentally inujring someone or damaging/losing somebody else’s property.

Pet Care

Policy will pay up to the amount shown for extra cattery/kennel fees incurred because of a delay in your return journey.

Piste Closure

Policy will pay an amount for each complete 24 hour period up to the amount shown if all the slopes in resort are closed due to lack of snow.

Replacement Employee

Policy will reimburse you up to the amount shown for extra accomodation and transport costs for a business colleague to take over your unfinished work abroad due to death, injury or illness.

Ski Hire

Policy will pay a daily amount up to the total amount shown for hire of ski equipment to replace damaged or stolen equipment.

Ski Packs

Policy provides a per day rate up to the total amount shown for any pre-booked ski passes you cannot use because of hospitalisation or because of the medical advice of a doctor.

Supplier Failure Cover

Provides cover following the financial failure of your transportation provider.

Travel Delay

Provides cover in the event of a travel delay for incidentals such as phone cards, meals, etc..

Travel Documents

Covers up to the amount shown for costs associated in replacing a lost or stolen passport or travel documents.

Travel Extension

Provides cover for travel and accommodation costs as a result of the Travel Advice Foreign & Commonwealth Office (FCO) or the World Health Organisation (WHO).

Winter Sports Equipment

Covers up to the amount shown for loss, theft or damage of winter sports equipment.

Withdrawal of Services

Policy will pay up to the amount shown in the event of loss of hotel facilities for at least a 60 hour period.