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FAQ’s
How do I buy Travel Insurance on-line?
With
Ski-insurance-online-cover.co.uk there are just 6 simple steps to follow:
Enter your travel details into our Instant Quote generator to get an immediate
price.
Now click the buy button next to the policy you wish to purchase
(click here for help on which policy is best for you).
Refine your quote
by telling us how many people are traveling and by selecting additional options
to increase your cover or save you money.
Give us your details (name and
address) and those of the party traveling with you, (Click here to see our
privacy policy).
We summaries the details of the policy you are about to
buy, you Confirm that this is what you want.
You are transferred to our
secure server at WorldPay where you enter your credit card (or debit card)
details.
You can then see and print your certificate of insurance
immediately or have us email it to you - we can also post it to you.
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Which
Policy is best for me?
We offer basic 3 types of Travel Insurance:
Single Trip insurance
This policy covers you for a single trip
and is the best value for normal holidays and business trips if you only travel
once a year.
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Annual Multi-Trip insurance
This policy covers you for as many
journeys as you like during a full year. The maximum length of any one trip is
45 days.
Annual Multi-Trip insurance also includes cover for winter sports
such as skiing and snow boarding automatically!
This is the best value for
you if you plan to travel more than once in any 12 month period..
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Long Stay
insurance
This policy provides the best value for travellers planning a
long journey of over a month - or if you are travelling on a budget.
The
Long Stay policy provides a slightly reduced level of cover compared to the
Single Trip - but at significantly better rates!
And Don't forget - you can
tailor each of these policies to your exact needs!.
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What
"Destination" should I chose?
The Ski-insurance-online-cover.co.uk
travel advice page lists all the countries in the world and which insurance
area they fall into.
Visit the page and find your destination, the correct
insurance area will be indicated next to the country name.
Please note that
for insurance purposes Europe is far bigger than the EU!
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What
countries are in Europe?
Ski-insurance-online-cover.co.uk policies
define Europe as:
The Continent of Europe west of the Ural Mountains,
Madeira, Canary Islands, Iceland, the Azores, Mediterranean Islands and
non-European countries bordering the Mediterranean (excluding Algeria, Israel,
Lebanon & Libya).
NB: The United Kingdom includes Northern Ireland,
Isle of Man and Channel Islands..
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How can I
get an even better rate?
Tailoring Your Policy to your needs
Ski-insurance-online-cover.co.uk offers you the option to tailor your insurance
package to your needs.
After you have selected a policy in our Instant
Quote generator you can select various options to fine tune your level of
cover.
Double Excess *
This option reduces the premium payable,
however it increases the Excess you have to pay if you make a claim against
this policy.
Excess Waiver *
This option increases the premium
payable, however in the event of you having to make a claim on this policy
there will be no Excess you have to pay.
Exclude Baggage and Money
This option reduces the premium you have to pay, however you are not covered
for loss of personal possessions or money while travelling.
* This does
not affect any increased excesses imposed in relation to Pre-existing Medical
Conditions and/or certain Hazardous or Sporting Activities. .
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What if I don't see what I want?
If you don't see
what you want on our web site - or if you have special needs please call us on
0870 225 9166 (or let us call you). We can usually arrange for special cover
and custom policies. .
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What if I am over 65?
Please
call us on 0870 225 9166 (or let us call you) and we can provide you an
immediate quote on the phone. .
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Are my
Credit Card details safe?
Here at Ski-insurance-online-cover.co.uk
we use the services of World Pay to process all credit card transactions. World
Pay provide a highly secure on-line credit card processing system that is fully
endorsed by the Banks. Indeed World Pay is so secure that we here at
Ski-insurance-online-cover.co.uk never get to see you credit card number - all
credit card details are encrypted and secured by World Pay for your personal
protection. .
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What is Ski-insurance-online-cover.co.uk's
Privacy Policy?
Ski-insurance-online-cover.co.uk is fully committed
to protecting the privacy and confidentiality of your personal information.
Ski-insurance-online-cover.co.uk is registered with the Data Protection
Commissioner and is fully compliant with the Data Protection Act of 1998 came
into force on 1 March 2000.
Ski-insurance-online-cover.co.uk will only
collect, process and review the personal information which we request from you
in order to provide you with the insurance quotations you have requested and to
determine whether you meet the criteria of the insurance product which you have
selected.
Ski-insurance-online-cover.co.uk will not pass your details to
any 3rd party that does not either require them for the purpose of processing
your insurance product or have a legal right to request access to such data
(e.g. Police and Fraud investigators).
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What Guarantee of Quality does
Ski-insurance-online-cover.co.uk offer? - How is
Ski-insurance-online-cover.co.uk regulated?
Ski-insurance-online-cover.co.uk is fully compliant with the Association of
British Insurers (ABI) requirements and we follow the ABI Guidelines for the
sale of Travel Insurance.
We also recommend that you read the ABI Advice on
Holiday Insurance (You will need an Adobe Acrobat reader to view this) it is an
excellent general guide to purchasing travel insurance and keeping safe whilst
travelling.
We are also happy to confirm that
Ski-insurance-online-cover.co.uk complies to the ABI code of practice for
selling Travel Insurance on the Internet.
Ski-insurance-online-cover.co.uk
is also covered by the terms of Insurance Ombudsman Bureau and is happy to
comply with all recommendations of the bureau..
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Am I
covered for hazardous Sports or Activities?
HAZARDOUS ACTIVITES
When travelling with this insurance, You are automatically covered for the
following amateur activities without paying any additional premium:
Archery, Badminton, Baseball, Basketball, 3 Bungee Jumps, Canoeing, Cricket,
Cycling, Golf, Jogging, Marathons, Netball, Orienteering, Parascending (over
water), Rambling, Roller Blading (Inline Skating / Skate Boarding), Running
(both Sprint & Long Distance), Safari, Scuba Diving (qualified, max depth
30 metres) under 14 days, Snorkelling, Squash, Swimming, Tennis, Trekking
(under 2,000 metres), Triathlons, Volleyball, Water Polo, Water Skiing,
White/Black Water Rafting (Grades 1 - 4), Windsurfing and Yachting (both racing
and crewing) inside territorial waters.
The following amateur activities
are also automatically covered without paying any additional premium, but the
policy excludes any cover under the Personal Accident and Personal Liability
sections:
Abseiling, Boxing Training, Camel / Elephant Riding or Trekking,
Cycle Touring, Passenger (in private/small aircraft or helicopter), Football,
Go Karting, Hiking (over 2,000 metres, but under 6,000 metres), Hockey, Horse
Riding (no Polo, Hunting, Jumping), Hot-Air Ballooning, Jet boating, Jet
Skiing, Kayaking, Motorcycling (under 50cc) - no Racing, Trekking (over 2,000
metres, but under 6,000 metres).
Furthermore, the following amateur
activities can be covered by declaring to, and paying an ADDITIONAL premium to,
the issuing agent, but the policy excludes any cover under the Personal
Accident and Personal Liability sections:
Flying (piloting private/small
aircraft or helicopter), Manual Labour (at ground level, no machinery), Martial
Arts (training only), Motorcycling (over 50cc) - no Racing), Mountain Biking,
Rugby, Scuba Diving (unqualified, max depth 30 metres) under 14 days, Scuba
Diving (qualified, max depth 40 metres) over 14 days, Sea Canoeing, Snow
Mobiling, Surfing.
Furthermore, the following amateur activities can
be covered by declaring to, and paying an ADDITIONAL premium to, the issuing
agent, but the policy excludes any cover under the Personal Accident and
Personal Liability sections and the excess under the medical section of cover
is increased to A3200:
American Football, Gliding, Paragliding,
Parachuting, Parascending (over land), Sand Yachting, Sky Diving, White/Black
Water Rafting (Grade 5 to 6), Yachting (racing or crewing) outside territorial
waters.
Furthermore, the following amateur activities can be covered by
declaring to, and paying an ADDITIONAL premium to, the issuing agent, but the
policy excludes any cover under the Personal Accident and Personal Liability
sections and the excess under the medical section of cover is increased to
A3400:
Canyoning, Hang-Gliding, High Diving, Horse Jumping (no Polo or
Hunting), Micro Lighting, Parasailing, Rock Climbing (not Mountaineering), Rock
Scrambling.
Any activity not listed above (or any of the above sports on a
professional basis), which could be considered a hazardous activity, sport,
pastime or employment (involving an increased risk of injury), will NOT be
covered under the policy UNLESS declared to, and accepted by, the issuing agent
at the time of taking out the policy in return for additional premium and/or
changes in cover. .
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What is the definition of a Couple and
Children?
Couple
Any couple (including same sex) in a common
law relationship or who have cohabited for at least 6 months are entitled to
purchase the reduced rate Annual Multi-Trip policy.
Under the Annual
Multi-Trip "Couple" cover can adults travel separately and still be covered?
Yes. Insured adults are covered for separate trips under the Annual
Multi-Trip Couple policy.
Children
Up to 3 children per travelling
insured adult are included for free where the children are under 18 years old -
however you must declare their names and ages at the time of purchase. (NB: For
children under 1 year old, please enter an age of 0 in the form).
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Please explain "Health Conditions"
Whilst
the Insurance is not subject to a health warranty, We shall not be liable for
claims WHERE AT THE TIME OF TAKING OUT THIS INURANCE (OR IF ANNUAL MULTI-TRIP,
PRIOR TO BOOKING EACH SEPARATE TRIP):
You are aware of any medical
condition or set of circumstances which could reasonably be expected to give
rise to a claim.
Any person, including those not travelling, whose
condition may give rise to a claim:
has during the twelve months prior to
taking out this insurance (or if Annual Multi-Trip, prior to booking each
separate Trip) suffered from any chronic and/or recurring illness of a serious
nature which has necessitated consultation or treatment or has been referred
for further investigations UNLESS DECLARED TO AND ACCEPTED BY US BY RINGING:
0800 281 488
is suffering from any previously diagnosed psychiatric
disorder, anxiety or depression; or
is receiving, or on a waiting list
for, in-patient treatment in a hospital or nursing home; or
is expected to
give birth before, or within eight weeks of the date of arrival home; or
is travelling against the advice of a Medical Practitioner or for the purpose
of obtaining medical treatment abroad; or
has been given a terminal
prognosis.
N.B.: The Underwriter must be notified of any changes in
circumstances of Yourself or any close relatives occurring after the policy has
been issued and prior to departure. .
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How to Contact
Ski-insurance-online-cover.co.uk?
Please call us for free on 0870
225 9166 or we can call you - just click here and enter your phone number and
we call you !
Alternatively please email us at
info@ski-insurance-online-cover.co.uk
Or you can
write to us at:
Ski-insurance-online-cover.co.uk Ltd.
Warners Mill
Silks Way
Braintree
Essex, CM7 3BG.
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Who is
Ski-insurance-online-cover.co.uk?
Ski-insurance-online-cover.co.uk
is a specialist insurance broker focused on providing the best value insurance
policies in the UK. We do most of our business directly over the web which
allows us to keep our premiums to a minimum. All our on-line travel insurance
policies are underwritten on behalf of a consortium of Insurers including Royal
& Sun Alliance Group plc,Gouda International and Ace Insurance Limited of
Europe SN-AV. by: Travel and Personal Underwriters Limited.
We also provide
specialist policies from other underwriters - call us for details..
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Where can I find travel advice on the country I am going
to?
Check out the Ski-insurance-online-cover.co.uk travel advice
page to access the UK Government's Foreign and Commonwealth Office travel
advice and other relevant travel information sites.
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What about my Statutory rights ?
By entering
into a contract of insurance you will take on certain obligations and grant
certain powers to the insurer. Nothing contained in this contract affects your
statutory rights as a consumer.
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