Ski Insurance                                   0845 601 9422 - 8am to 6pm Weekdays

(local rate in the UK or +44 845 601 9422 outside the UK)

About our Services

Ski Club Travel Insurance is administered through P J Hayman & Company Limited

1) The Financial Services Authority (FSA)

The FSA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.

2) Whose products do we offer?

This website will provide you with access solely to Ski Club Travel Insurance, arranged through Perkins Slade Limited, administered by P J Hayman & Company Limited and underwritten by Fortis Insurance Limited.

3) Which service will we provide you with?

This website will give you the information you need to help you decide if Ski Club Travel Insurance meets your needs and will allow you to arrange your policy if you believe that it does. You will not receive advice or a recommendation from us.

If we are unable to provide you with a quotation from Ski Club Travel Insurance due to pre-existing medical condition(s), or age considerations, you will be given the option to access Free Spirit Travel Insurance for an alternative product and quotation which may be able to offer you cover. You will then need to make your own choice on how to proceed.

4) What will you have to pay us for our services?

We receive our remuneration in the form of commission and administration fees from the Insurer.

5) Refund of Premium

If you cancel your policy, we will make a refund in accordance with the policy conditions.

6) Who Regulates us?

P J Hayman & Company Limited, Stansted House, Rowlands Castle, Hampshire PO9 6DX is an appointed representative of Crispin Speers & Partners Limited who are authorised and regulated by the Financial Services Authority. Their FSA register number is 311507.

Our permitted business is arranging and advising on general insurance as per the following: -

• Advising on non-investment insurance contracts.
• Arranging (bringing about) deals in non-investment insurance contracts.
• Making arrangements with a view to transactions in non-investment insurance contracts.
• Dealing as agent in non-investment insurance contracts.
• Assisting in the administration and performance of a non-investment insurance contract.

You can check this on the FSA's register by visiting the FSA's website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

7) Ownership

P J Hayman & Company Limited is a wholly owned subsidiary of CSP Holdings Limited.

8) What to do if you have a complaint?

If you wish to register a complaint, please contact us:

In writing to: - The Managing Director, P J Hayman & Company Limited, Stansted House, Rowlands Castle, Hampshire PO9 6DX

Or by telephoning: - 023 9241 9002 (NB. This number is for complaints only).

If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service.

9) Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are the Appointed Representatives of Crispin Speers and Partners Ltd and, through this arrangement, covered by the FSCS. 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. Further information about compensation scheme arrangements is available from the FSCS.