Insurance

Travel Insurance
Excellent insurance is absolutely essential and really has to be tailored specifically to skiers' and snowboarders' needs. Therefore, we have arranged what we believe to be the very best winter sports insurance policy around! Please check thoroughly what our policy includes against others. Cover at least equal to the following is required on all of our holidays, as no liability will be accepted for any clients travelling without adequate ski travel insurance.

NB: Full insurance cover can only be made by paying the appropriate premium when booking, and cannot be added subsequently. This policy is valid only for residents of the UK or Republic of Ireland, currently residing in that country.

EXCESS WAIVER

To provide the best value cover possible, this policy includes an 'excess', similar to most other policies. This is the amount that you will need to pay off any claim under listed sections of the policy. You can purchase an excess waiver addition to your policy which would allow you to recover the full value of a validated claim. The charge for this is listed per premium.

AXA INSURANCE (GOLD COVER PLUS SKI)

OFF PISTE SKIING
Off piste skiing is only covered when you are officially accompanied by a qualified guide.

COUPLES
Couples can travel independently of one another on the annual insurance policy. Couple insurance can be taken providing couples are cohabitating regardless of sex.

ANNUAL COVER
· Maximum of 31 days per trip.
· Ski cover is a maximum of 17 days annually.

FAMILY ANNUAL POLICY
Adults can travel independently, however children cannot.
Medical Cover - up to £10,000,000
· Worldwide expert medical, emergency and repatriation services (£75 excess).
· Personal Accident - up to £15,000

Ski Packs up to £250
If you lose your lift pass, ski school ticket or hired ski/board/boots

Luggage Ski/Snowboard Equipment and Personal Effects - up to £2,000
· Covering accidental damage or loss of personal luggage, ski/snow board equipment or money. Maximum £500 personal money (£75 excess).

NB: This section includes cover for your own ski equipment. If your own ski equipment is accidentally lost or damaged, it is covered for up to £500 to cover loss or damage to skis, snowboard, sticks, boots and bindings (maximum any single article £250). Also, if you have to hire
skis because your own are lost or damaged, the policy includes up to £150 towards hiring skis (all at £75 excess).

Travel Delay - departure/arrival - up to £200
· Compensation of £20 for every 12 hour delay and with a maximum of £200. Covering delay in departure from the UK and including departure from resort on return journey. (Nil excess)

· Missed Departure - up to £1,000 (Nil Excess)
For air, coach and train passengers. This covers additional accommodation and travel expenses necessarily incurred as a result of the insured arriving at the departure/return port or airport too late to join the service on which to travel, as a direct result of failure of public transport services, or due to an accidental or mechanical failure of the car in which the insured is travelling.

Loss of Passport - up to £500 (Nil excess)

Cancellation - up to £10,000
Due to death, injury or illness of the insured person, close relative or travelling companion, or due to redundancy or jury service, or unavoidable delay in departure from the UK exceeding 12 hours, following failure or disruption of public transport services (£75 excess).

Personal Liability - up to £2,000,000
Legal liability for accidental injury to third person or damage to the property of third parties.

Legal Expenses - up to £25,000
Cover for legal expenses in pursuing compensation/damages due to death/personal injury incurred during holiday.

IMPORTANT NOTES
1) The above is a précis of the insurance cover. Full terms and conditions in the policy document will be sent with your final documents or on request beforehand or by phoning AXA Insurance on 0845 345 2722.
You should read the policy document carefully as this gives you details of what is and is not covered together with conditions of cover. The medical emergency services are arranged with AXA Assistance.
2) Please note that insurance claims, their handling and settlement, are entirely between the insured person(s) and the Insurance Company/claims handlers.
3) The Ski Insurance policy is valid for permanent residents of the United Kingdom or Republic of Ireland only, and is not valid for anyone working or living elsewhere, even on a temporary basis.
4) For those booking flight or accommodation only this insurance covers only those holiday elements arranged by us.

5) Insurance can only be arranged at the time of booking, with payment sent with your deposit, and can not be added subsequently.
6) Conditions, Exclusions and Warranties.
Conditions and exclusions will apply to individual sections of your policy while general exclusions, conditions and warranties will apply to the whole of your policy.

SNOW GUARANTEE/PISTE CLOSURE
1) Anyone taking the Crystal Ski/AXA Insurance is automatically covered for piste closure insurance as detailed below at no additional cost.
2) Should you choose a different policy, you should ensure that any other insurance cover must be of at least equal standard to our Insurance.
3) If you do not take the Crystal Ski/AXA policy, and your own policy does not contain its own piste closure provisions, you will not receive the benefits outlined below. Space on transport provided by us to other ski areas cannot be guaranteed, and if available, will be payable
locally at between £10 and £30 per person per day.

Piste Closure Cover Details - up to £300 (Nil excess)
The Piste Closure covers you for any and all extra costs for transport that we arrange for you in the event that it may be necessary to transfer you by coach to another ski area if it becomes impossible to ski in your resort, due to lack of snow or too much snow. If you have pre-booked your lift-pass, this sum will be refunded to you in full in resort. This
cover applies to downhill alpine skiing and does not cover cross-country skiing, nor does it apply to piste closure due to adverse weather conditions other than lack of snow or too much snow (eg high winds).

In the unlikely event that no suitable alternative area is available, you will be entitled to compensation on return to the UK of £20 for each complete day you have been unable to ski.