Terms & conditions for Ski Club Platinum membership Insurance
Your Ski Club Platinum membership includes Annual Europe only Multi-Trip Travel Insurance which is underwritten by Millstream Ltd. Ski Club GB Ltd is an Appointed Representative of Jelf Insurance Brokers Ltd trading as Marsh Commercial, which is authorised and regulated by the Financial Conduct Authority (FCA). Not all products and services are regulated by the FCA.
In these terms and conditions, the term “insurer” refers to Marsh Commercial Ltd, who are authorised and regulated by the FCA.
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, the insurer reserves the right to void your policy from inception. In the event that it becomes necessary to do this, the insurer 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 the insurer 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: 020 8410 2015.
The insurer reserves the right to charge an additional premium, amend the policy terms, or decline to offer cover if they feel that the information you have given to them or the Ski Club of Great Britain changes their assessment of the risk involved.
Cancelling Your Policies
You have a ‘cooling off’ period where, should you decide that you find that the cover does not meet your requirements and provided you have not travelled or claimed on the policy, you can advise Ski Club GB Ltd 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 to the Ski Club of Great Britain and the insurer that there is no claim pending, should you chose to cancel and understand that all benefits of the policy will be cancelled, you will be refunded 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) no refund will be considered.
We and the insurer 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 or the insurer to disclose your data. Some or all of the information you supply to us and the insurer in connection with your insurance may be passed to insurance companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Legislation, including the General Data Protection Regulation and you have a right of access to see personal information about you that is held in our records and those of the insurer, whether electronically or manually. Please review http://www.skiclubinsurance.co.uk/privacy-policy/ for further details on how your data is being processed, and how to access your data.
If you have any queries, please write to:
Data Protection Officer
Ski Club of Great Britain Ltd
1-3 Brixton Road
How to claim
If you need to make a claim please contact the in-house claims handlers at Marsh Commercial Ltd, to request a claim form on +44 (0) 330 660 0742, or write to Travel Claims Facilities;
Marsh Commercial | Partnership House, Priory Park East, Kingston-upon-Hull, HU4 7DY
TIF Group | 1 Tower View, Kings Hill, West Malling, ME19 4UY
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 [email protected]
It may be necessary to direct your complaint to the insurer.
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.
The insurer and us as an approved representative of the insurer 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 7741 4100 or by visiting fscs.org.uk.
Ski Club of Great Britain Limited. Registered in England No. 4312167 Ski Club GB Ltd is an Appointed Representative of Jelf Insurance Brokers Ltd trading as Marsh Commercial is authorised and regulated by the Financial Conduct Authority (FRN 423392)
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.
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
The Ski Club of Great Britain will send you a renewal notice in advance of the expiry of the period of insurance. The Ski Club of Great Britain reserve the right to amend Ski Club membership benefits and terms and conditions at any time.