Travel insurance - Ski travel cover

* A proportional refund of the cost of your lessons, ski pass and ski hire following illness or injury, or if you have to cancel or cut short your holiday.

* Piste closure compensation of £20 per day up to £200 to cover your additional costs if you have to travel to another resort or a cash benefit if no alternative skiing is available

Important Notes

1) A family comprises the principal insured person, his/her spouse, partner and their children (including foster children) under 18 years of age (in full-time education and residing with them), when travelling together with the principal insured person (unless the Gold option has been selected).

2) On annual policies, the maximum duration of any one trip will be 90 days (91 for Gold), however cover is limited to a total of 183 days spent abroad in each annual period of insurance

3) Winter Sports cover is provided for 17 days (21 for Gold) in each period of insurance

4) This policy is available to customers resident in all countries outside the UK, USA and Canada

5) The sums insured and excesses apply in respect of each insured person, for each trip

6) Annual Travel insurance does not provide cover for trips within the country of departure except where Gold Annual TravelCover has been selected and the trip is for 3 or more consecutive nights. Please see section 15 of the policy for full details.

7) Baggage claims will be subject to a deduction for wear and tear

8) You must contact BUPA Travel Assistance (+44 (0) 208763 3115) for prior authorisation before incurring medical expenses in excess of £500

9) Cover is provided on the basis that you warrant that you are healthy, fit to travel and undertake each trip at the time of booking or commencing travel and that you will not be travelling with the intention of receiving medical attention abroad

Principal Exclusions

1) Any pre-existing condition which has not been declared and agreed to in writing by Royal & SunAlliance

2) Any person aged 65 or over unless a medical questionnaire has been completed and accepted in writing for insurance by Royal & SunAlliance

3) Any person aged 80 or over unless otherwise endorsed by us

4) An insured person engaging in manual work in conjunction with any profession, business or trade, steeplechasing, polo, hunting, professional sports, mountaineering (normally requiring the use of ropes or a guide), canyoning, potholing, fighting except in self-defence, scuba diving below a depth of 50 metres, parachuting, any race, speed or endurance test or practising for such events (other than athletics), any form of organised team sport, any specially hazardous pursuits or activity except as an organised holiday interest which has been booed and paid for in the UK prior to departure and where tuition by experts holding recognised relevant qualifications is provided

5) Theft of valuables from an unattended motor vehicle

6) The insured person's suicide, insanity, intentional self-injury, alcoholism, drug addiction or solvent abuse or the insured person being under the influence of drink or drugs. Any wilful act of the insured person.

7) HIV/AIDS

8) Pregnancy within 10 weeks of estimated date of delivery

9) Claims arising from circumstances you were aware of at the commencement of the period of insurance unless they have been disclosed to and accepted by us

10) Any claim under the personal baggage section will exclude:

contact or corneal lenses, dentures, bonds, securities, stamps or documents of any kind, musical instruments, typewriters, glass, china, antiques, pictures, pedal cycles, hearing aids, coupons, computers, personal organisers, portable telephones, televisions, CD players, vehicles or accessories, boats and/or ancillary equipment, samples or merchandise or business goods or specialised equipment relating to a trade or profession.

This exclusion does not apply to Section 2 - Medical emergency and other related expenses, Section 5 - Legal protection and Section 6 - Personal accident

11) This insurance does not cover direct or indirect loss or damage caused:

* to, or by, equipment (whether you own it or not) failing, or being unable, correctly to recognise data representing any date in such a way that it does not work properly or at all

* by fear of equipment (whether you own it or not) failing or being unable correctly to recognise data representing any date in such a way that it does not work properly or at all

* by computer viruses

Premium Refund Guarantee

Should you be dissatisfied with your policy, it may be returned to us within 15 days for annulment and full refund of your subscriptions providing no claim has been made and you have not already undertaken your trip.

The Law Applicable to the Contract

It is possible to choose the Law applicable to a contract of insurance covering a risk situated in the UK. We have chosen Scottish Law to apply if you live in Scotland and English Law to apply if you live elsewhere in the UK. Payment of your premium is evidence of acceptance of our choice. If any other law is to apply it must be agreed by both parties and evidenced in writing.

Royal & SunAlliance Insurance plc, Registration No 93792.

Registered in England & Wales at St Mark's Court, Chart Way, Horsham, West Sussex RH12 !XL. Members of the General Insurance Standards Council

Complaints

Any complaint you may have regarding your travel insurance may be referred in the first instance to the Quality Manager at BUPA Travel Services, Thameside House, South Street, Staines, Middlesex TW18 4TI.

If you are still not satisfied, write to the Customer Relations Officer at Royal & SunAlliance, Richmond House, Richmond Hill, Bournemouth, Dorset BH2 6EQ.

Royal & SunAlliance is a member of the Financial Ombudsman Service and if you are still not satisfied you may then contact The Financial Ombusdman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.

You will not affect your rights to take legal action against us by following this complaints procedure..

About your policy, including:	Your Policy and schedule.
	How to make a claim
Policy information including:	Words with special meanings
	Geographical areas
	Activities covered by this policy
	Conditions and exclusions
	Complaints procedure
Section 1	Personal assistance service
Section 2	Medical emergency and other related expenses
Section 3	Hospital daily benefit
Section 4	Emergency return home
Section 5	Legal protection
Section 6	Personal accident
Section 7	Cancellation or cutting short the trip
Section 8	Missed departure & travel assistance
Section 9	Personal baggage
Section 10	Baggage delay
Section 11	Money & passport
Section 12	Travel delay
Section 13	Personal legal responsibility
Section 14	Changes in cover if you have chosen Ski TravelCover, Premier Annual TravelCover or Gold Annual TravelCover
Section 15	Changes in cover if you have chosen and paid for Gold TravelCover

Agent assistance - Contact me!	Annual multi-trip cover (BUPA Worldwide annual cover)	Important notes
Main cover details	Policy exclusions	Single trip travel insurance
Travel Insurance Supplement Scheme (if you already have international private medical cover - and don't want to pay twice for medical care!)	Useful links and definitions (International travel insurance)	Wintersports

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