Ski

SKI INSURANCE POLICY

This policy is for residents of the United Kingdom or the Channel Islands or Isle of Man only (for non United Kingdom groups - you should immediately apply to PGL for special amended insurance)

Arranged by: Fogg Travel Insurance Services Limited

Crow Hill Drive, Mansfield, Notts. NG19 7AE Tel: 01623 631331 Fax: 01623 420450 Master Policy No. SJRPS40096 A & B Underwritten by: Union Reiseversicherung AG

For travel as confirmed by PGL between 1st October 2010 and 30th September 2011 SUMMARY OF POLICY COVER

A. PRE-TRAVEL POLICY Policy section

1. Cancellation Loss of deposit

B. TRAVEL POLICY Policy section

1. Departure delay (first full 12 hours £20/subsequent full 12 hours £10) Delay abandonment – after 24 hours delay Delayed Arrival (first full 12 hours £20/subsequent full 12 hours £10)

2. Personal possessions Single article Valuable limit

School property Delayed possessions Ski equipment Hired skis Under 16 years limit

Ski equipment hire charges

3. Personal money Under 16 years limit

Party leader Cash limit

Loss of travel documents

4. Emergency medical expenses Area 1 Limit

Unused ski pack Hospital benefit @ £10 per day

5. Curtailment 6. Personal liability

7. Organisers expenses 8. Organisers liability

9. Personal accident 1 Death 2a Total loss of sight 2b Loss of either whole arm or whole hand or thumb index finger any other finger

2c Loss of either whole leg or whole foot or big toe any other toe

2d Loss of either hearing in one ear or hearing in both ears

3 Permanent Total Disability 10. Legal advice and expenses Maximum benefit

up to £1,000 up to £1,000 (See notes 1 and 2)

Maximum benefit

up to £100 up to £1,000 up to £50

up to £1,500 up to £250 up to £250 up to £1,000 up to £100 up to £350 up to £250 up to £150 up to £150

up to £200 up to £100 up to £1,000 up to £500 up to £200

up to £5,000,000 up to £10,000 up to £240 up to £200

(See note 1)

up to £1,000 (See notes 1 and 2)

up to £1,000,000 up to £100

up to £5,000,000

Disability/Injury Benefit Payable £25,000 £25,000 £9,000 £3,000 £2,250 £900 £7,500 £750 £450 £1,500 £6,000 £25,000

(See note 3) up to £5,000 * in respect of rented property damage only. Nil any other claims £100 ** increased to £100 in respect of property damage.

PRE-TRAVEL & TRAVEL POLICY Note 1. Your policy does not provide cover for re-occurring or pre-existing health conditions unless you are under 18 years travelling in the United Kingdom or Europe. If an Insured-person 18 and over travelling anywhere, or an Insured-Person under 18 travelling outside Europe has ever had a heart or circulatory related problem, a stroke, cancer, any breathing problems, diabetes or any other health condition which has been treated in hospital or has been referred to a specialist in the last 2 years you should phone our Medical Referral Helpline quoting PGL SKI on 0845 1300 198 to see if cover is available. We will confirm any special terms in writing. You should also tell us of any changes in your health or medication changes between buying this policy and travelling.

Note 2. You must tell us if you have a close relative whose health may make it necessary for you to cancel or cut short your trip. Please telephone our Medical Referral Helpline quoting PGL SKI on 0845 1300 198 with details to see what cover is available.

TRAVEL POLICY Note 3. Cover for accidental death is reduced to £10,000 if you are under 16 years of age.

PGL Travel Ltd., Alton Court, Penyard Lane, Ross-on-Wye, Herefordshire HR9 5GL Tel : 08700 551 551 Fax : 08700 551 561 E-mail : enquiries@pgl.co.uk

1 £100 £20

£35* Nil

£35 Nil

£35

£35* Nil

£35** Nil

Excesses applicable - under 18 years

£20 £10

Excesses applicable - under 18 years Nil

£20 Nil

£20

Nil Nil

£20 Nil

£20 £20 Nil

Nil Nil Nil Nil

Excesses applicable - 18 years and over

£35 £10

Excesses applicable - 18 years and over Nil

£35 Nil

£35

Nil Nil

£35 Nil

£35 £35 Nil

£35 £35 Nil Nil

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