FAQ’s
How do I buy Travel Insurance on-line?
With Ski-insurance-online-cover.co.uk, just
follow these simple steps. Enter your travel
details into our instant quote generator to
get an immediate price. Refine your quote by
selecting additional options. Now click the
buy button. Fill in your details (name and address)
and those of any others travelling with you.
We summarise the details of the policy, you
confirm that this is what you want. You are
transferred to our secure server where you enter
your credit/debit card details. You can then
see and print your certificate of insurance
immediately or have it emailed to you.
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Which Policy is best
for me?
We offer three basic types of Travel Insurance;
Single Trip Insurance This policy covers you
for a one-off trip and is the best value if
you are only taking one holiday during the year.
Annual
Multi Trip Insurance This policy will cover
you for as many trips as you like within a twelve
month period. The maximum length of any one
trip is 45 days. Winter sports cover can be
added to an annual policy for a small premium.
This will provide cover for up to 17 days winter
sports during the year. This policy is better
value if you plan to travel more than one in
any year.
Backpacker
Insurance This policy is designed for people
up to and including the age of 45 who are planning
a long stay trip or gap year travel. You can
be out of the country for up to 12 months but
your cover will cease once you return to the
UK.
We can only cover UK residents who are travelling
from and returning to this country.
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What countries are in
Europe?
Ski-insurance-online-cover.co.uk policies define
Europe as the Republic of Ireland, all countries
bordering the Mediterranean, Madeira, Canary
Islands, the Azores and the Commonwealth of
Independent States (west of the Ural Mountains)
nb: the United Kingdom includes Northern Ireland,
Isle of Man and the Channel Islands
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How can I get an even
better rate?
Ski-insurance-online-cover.co.uk offers you
the option to tailor your insurance package
to suit your requirements. After you have selected
a quote you can choose various options to increase
or delete aspects of the cover. By selecting
Superior Cover you can increase certain parts
of the cover, including Cancellation and Baggage
Cover. If you have your personal possessions
covered by your House Insurance you can opt
to delete the Baggage cover on your travel insurance.
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What if I don't
see what I want?
If you have any special needs or requirements
or you just want to talk to someone about the
levels of cover, please call us on 0870 343
0024.
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What if I am over 65?
Please
call us on 0870 343 0024 and we can provide
an immediate quote over the telephone.
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Are my Credit Card details
safe?
Our booking system is secure and your credit
card information will be encrypted. Our site
has been fully tested to ensure all transactions
are secure. We have processed many thousands
of bookings without a single security issue.
In the unlikely event of your credit card being
abused as a result of shopping with us we guarantee
to reimburse 100% of any losses you incur. We
will reimburse the first £50 of your loss as,
legally, the credit card issuer must repay the
rest. However, in the unlikely event of an error
occurring we will handle the whole process on
your behalf.
The
purchase area of our site is secure; this means
that we utilise industry-standard Secure Sockets
Layer (SSL) technology to allow for the encryption
of potentially sensitive information such as
your name, address and other critical sensitive
information like your credit card details. Information
passed between your computer and our Web site
cannot be read in the event it is intercepted
by someone else.
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What is Ski-insurance-online-cover.co.uk's
Privacy Policy?
We are committed to protecting your privacy.
We will only use the information that we collect
about you lawfully (in accordance with the Data
Protection Act 1998)
We
collect information about you for two reasons.
Firstly, to process your order and secondly,
to provide you with the best possible service.
We will not email you in the future unless you
have given us your consent. We will give you
the chance to refuse any marketing email from
us or from another trader in the future. The
type of information we will collect about you
includes your name, address, phone number, email
address, credit/debit card details. We will
never collect sensitive information about you
without your explicit consent.
The
information we hold will be accurate and up
to date. You can check the information that
we hold about you by emailing us. If you find
any inaccuracies we will delete or correct it
promptly. The personal information which we
hold will be held securely in accordance with
our internal security policy. If we intend to
transfer your information outside the EEA (European
Economic Area) we will always obtain your consent
first. We may use technology to track the patters
of behaviour of visitors to our site. This can
include using a ‘cookie’ which could be stored
on your browser. You can usually modify your
browser to prevent this happening. The information
collected in this way can be used to identify
you unless you modify your browser settings.
If you have any questions/comments about privacy
please call us on 0870 343 0024
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What
activities are covered by my insurance policy?
Archery (under supervision)
Badminton Ballooning (organised excursion only)
Basketball Bowls
Canoeing (in calm waters)
Catamaran Sailing (only if qualified – excludes
competitions)
Clay Pigeon Shooting (organised event)
Curling Cycling
Deep Sea Fishing (with professional fishermen)
Fell Running
Fell Walking
Fishing
Go-Karting (up to 120cc – excludes liability
– organised event only)
Golf
Gymnastics
Heptathlon
Horse Riding (excludes competitions/jumping
– protective headgear must be worn)
Jet Skiing (no liability)
Orienteering
Parascending (over water)
Pony
Trekking
Racket
Ball
Rambling
Rifle Range (organised event only)
Roller Skating
Rounders
Rowing
Safari/Gorilla Trekking (properly organised)
Sail Boarding
Sailing/including flotilla (European waters
only - excludes competitions - no liability
cover)
Scuba /diving (to 30 metres)
Squash
Street Hockey
Surfing
Tennis
Trekking/Hiking
Volleyball
War Games/Paint Ball (eye protection must be
worn)
Water Polo
Water Skiing
Wind Surfing
Yachting (European waters only – no competitions
– no liability)
Providing
you have paid the additional premium for winter
sports, the policy will extend to cover;
Cross country skiing (only on recognised paths)
Dry Slope skiing
Heli skiing (excludes cancellation cover)
Mono skiing
Off-piste skiing/snowboarding (within the resort
– outside the resort and under supervision of
a qualified guide or instructor)
Sledging
Snow Boarding
Husky sleigh rides
Snow shoe walking
Reindeer Safari (organised and with a guide)
Snow Cat Safari (excludes cancellation cover
– must be professionally organised and on a
recognised route)
Telemark skiing (only on recognised paths)
Ski Randonee (only on recognised paths)
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What is the definition
of a Couple?
Any couple (including same sex), married or
common law, who cohabit are entitled to purchase
an annual multi trip policy. Under the terms
of this policy, adults can travel separately
but children must always travel with one of
the adults.
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Please
explain "Medical Conditions"
You are not covered if, when you took out this
insurance or when you booked your trip, you
or any person upon whose health the trip may
depend;
1. were aware of any reason why the trip could
be cancelled or curtailed or of any medical
condition which could result in a claim
2. have, during the 12 months before this insurance
started, suffered from any chronic or recurring
illness for which you have received treatment
or been a hospital in-patient
3. are waiting for the results of tests or investigations
for an existing medical condition
4. were travelling against the advice of a medical
practitioner or in order to get medical treatment
5. have been diagnosed as having a terminal
illness
6. were receiving, recovering from, or on a
waiting list for in-patient treatment in a hospital
or nursing home
If
you answer YES to any of these you will need
to contact our Medical Screening company who
will advise you on whether the condition or
medication you are taking is covered under this
policy. Please call 0117 300 7015 and quote
Optimum for advice and assistance.
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How to Contact Ski-insurance-online-cover.co.uk?
Please call us on 0870 343 0024.
Alternatively
please email us at customerservices@essentialtravel.co.uk
Or
you can write to us at:
Essential Travel
Princess Caroline House
1 High Street
Southend-on-Sea
Essex
SS1 1JE
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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 by Optimum
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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 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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