Terms & conditions for Ski Club Platinum membership

Insurance

Your Ski Club Platinum membership includes Annual European Multi-Trip Travel Insurance provided by Union Reiseversicherung AG, who are authorised in Germany by BaFin and regulated in the United Kingdom by the Financial Conduct Authority and in the Republic of Ireland by the Insurance Regulator.

How does our policy work?
You have two policies – the first is your Pre-travel policy which starts on the day you requested cover to commence after you paid the premium and remains in force until you leave home to start your trip. The second, your Travel policy, provides cover while you are on your trip from the time you leave home on the booked date of departure until the date of booked return. If you return home early the cover on that trip will cease on that date instead.

Accurate and relevant information
You have a duty to take reasonable care to answer questions fully and accurately, and that any information you volunteer is not misleading. This applies both when you take the policy out and at any time during the policy period. If you do not do so, we reserve the right to void your policy from inception. In the event that it becomes necessary to do this, we will give you seven days’ notice of cancellation of the policy by recorded delivery to you at your last known address.

Because an insurance policy can only provide cover in respect of accident, illness, loss or damage for an event/occurrence which is sudden, unforeseen and beyond your reasonable control, you must also tell us if you are aware of any circumstances at the time you purchase this insurance, or at any time afterwards, which could possibly result in you having to make a claim; otherwise you may not be covered. You can do this by calling: 0845 2 307 159 or 01732 853 365.

We reserve the right to charge an additional premium, amend the policy terms, or decline to offer cover if we feel that the information you give us changes our assessment of the risk involved.

Cancelling Your Policies
You have a ‘cooling off’ period where, should you decide that you find that the terms and conditions do not meet your requirements and provided you have not travelled or claimed on the policy, you can advise Travel Administration Facilities within 14 days of purchase for a full refund to be considered. Should you wish to cancel your policy outside of the 14 day cooling off period, and can confirm that there have been no claims on the policy and that you have not travelled, in addition to a £15 administration charge, the following cancellation terms will be applied dependant on what type of policy you have purchased.

Provided you have not made a claim (irrespective of whether your claim was successful or not) on the policy and you confirm in writing that there is no claim pending, should you chose to cancel and understand that all benefits of the policy will be cancelled, we will refund 5% of the total premium paid, for each full calendar month remaining on the policy from the date of cancellation. If you are intending to, or have claimed (irrespective of whether your claim was successful or not) we will not consider refunding any proportion of your premium.

We reserve the right to give 7 days’ notice of cancellation of this policy, without refund, by recorded delivery to you at your last known address in the event of the following circumstances; fraud, suspected fraud, misleading information or deliberate misrepresentation, or abusive behaviour to any of our staff or agents.

Protecting your information
All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance, and except where law requires us. Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurance companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Act 1998, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to:

The Data Manager
Travel Insurance Facilities
1 Tower View
Kings Hill
WEST MALLING
ME19 4UY

How to claim
If you need to make a claim please contact our in-house claims handlers Travel Claims Facilities, to request a claim form on 01732 853 361, write to Travel Claims Facilities, PO Box 420, Tonbridge, Kent, TN9 9DE, or you may download the appropriate claims form.

Complaints
It is our intention to provide a high level of service at all times.

However if you have reason to make a complaint about our service you please contact Member Services on 020 8410 2015 or email members@skiclub.co.uk

If you remain dissatisfied, you may be entitled to refer your complaint to The Financial Ombudsman Service by telephone on 0845 080 1800 and further information is available at financial-ombudsman.org.uk. If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected.

Compensation arrangements
We are covered by the Financial Conduct Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS on 020 7892 7300 or by visiting fscs.org.uk.

Travel Insurance Facilities is authorised and regulated by the Financial Conduct Authority, our FRN is 306537. You can check these details on the FCA’s Register, or by visiting the FCA website fca.org.uk/register, or by contacting the FCA on 0845 606 1234.

Fogg Medi-card

Your Ski Club Platinum membership includes a Fogg Medi-card policy, which is valid for the period shown on your Fogg Medi-card. For Ski Club Active Leaders, your Fogg Medi-card policy is valid whilst leading in the current ski season only. This policy is complementary to and not a replacement for winter sports or other travel insurance.

You should read this policy carefully. If there is anything you do not understand, you should call The Ski Club of Great Britain on UK +44 (0)20 8410 2015, or write to Connect House, 133-137 Alexandra Road, Wimbledon, London SW19 7JY.

Insurer
Your Fogg Medi-card policy is underwritten by AGA International SA and is administered in the United Kingdom by Allianz Global Assistance and Fogg Travel Insurance Services Limited.

How your policy works 
The Fogg Medi-card master policy is a contract between the policyholder and us . We will pay for any claim you make which is covered by this policy and happens during the period of insurance . The benefits and exclusions apply to you .

Certain words have a special meaning as shown under the heading ‘Definition of words’. These words have been highlighted by the use of bold print throughout the policy document.

Cancellation rights
Please note that this policy has no surrender or refund value.

You can however cancel the policy within 14 days of receiving your Fogg Medi-card by writing to The Ski Club of Great Britain, Connect House, 133-137 Alexandra Road, Wimbledon, London SW19 7JY or telephone UK +44 (0)20 8410 2015 .

Please note that your cancellation rights are no longer valid after this initial 14 day period.

Data protection
Information about your policy may be shared between The Ski Club of Great Britain, Perkins Slade Limited, us and the insurer for underwriting and administration purposes.

You should understand that the sensitive health and other information you provide will be used by us , our representatives (if appropriate), the insurer , other insurers and industry governing bodies and regulators to process your insurance, handle claims and prevent fraud. In certain circumstances, this may involve transferring information about you to countries that may have limited or no data protection laws. We always take steps to ensure your information is held securely.

Your information may be used by us , the insurer and members of The Allianz Group and shared with The Ski Club of Great Britain and Perkins Slade Limited for marketing and research purposes, or to inform you from time to time about new products or services. If you do not want to receive marketing information please write to Customer Support, Allianz Global Assistance, 102 George Street, Croydon CR9 6HD. You have the right to access your personal records.

Financial Services Compensation Scheme (FSCS)
For your added protection, the insurer is covered by the FSCS. You may be entitled to compensation from the scheme if the insurer cannot meet its obligations. This depends on the type of business and the circumstances of the claim.

Insurance cover provides protection for 90% of the claim, with no upper limit.

Further information about the compensation scheme arrangements is available from the FSCS, telephone number UK +44 (0)800 678 1100 or UK +44 (0)20 7741 4100 , or by visiting their website at www.fscs.org.uk .

Governing law 
Unless agreed otherwise, English law will apply and all communications and documentation in relation to this policy will be in English. In the event of a dispute concerning this policy the English courts shall have exclusive jurisdiction.

Contracts (Rights of Third Parties) Act 1999
We , the insurer and you do not intend any term of this contract to be enforceable by any third party pursuant to the Contracts (Rights of Third Parties) Act 1999.

Renewal of your insurance cover
Cover is provided to Ski Club+ members and Ski Club Active Leaders. The Ski Club of Great Britain will send you a renewal notice which will be at least 21 days prior to the expiry of the period of insurance as shown on your FOGG MEDI-CARD. The Ski Club of Great Britain reserve the right to amend Ski Club+ membership and Ski Club Active Leader benefits and terms and conditions.