Ski Club Insurance

Summary of Cover

Please find below a summary of the benefits available to help you choose the cover most suited to your needs. This is only a summary. You should read the policy for the full terms and conditions.

* Note: Medical Expenses Policy excesses for persons over 65 years are increased to £150.

Section	Standard & Seasonal 100	Super & Seasonal 200	Executive & Seasonal 300	Excess (all policy types)
Cancellation & Curtailment	Up to £1,000	Up to £2,000	Up to £6,000	£70 (£20 loss of deposit)
Medical Expenses including emergency assistance services	Up to £2,000,000	Up to £5,000,000	Up to £10,000,000£10 per day up	£70*
Hospital benefit	£10 per day up to £300	£10 per day up to £300	£10 per day up to £300	N/A
Personal Effects & Baggage	Up to £1,000	Up to £1,000	Up to £1,500	£70
Single Item Limit	£200	£200	£250
Valuables Limit (total)	£200	£200	£250
Travel Documents	Up to £150	Up to £150	Up to £150
Delayed baggage	£50 for each 12 hours up to £150	£50 for each 12 hours up to £150	£50 for each 12 hours up to £150
Personal Money
Cash Limit	£100	£200	£250	£70
Cash (under 18’s)	N/A	N/A	£50
Travel delay	N/A	N/A	£20 for 1st 12 hour period £10 each additional 12 hours (£250 max)	N/A
Holiday Abandonment	N/A	N/A	Up to £6,000	£70
Missed Departure	N/A	N/A	Up to £500	N/A
Personal Accident	Max Benefit £10,000	Max Benefit £10,000	Max benefit £20,000	N/A
Loss of limbs or sight (aged under 65)	£10,000	£10,000	£20,000
Permanent Total Disablement	£10,000	£10,000	£20,000
Death benefit (18-65)	£5,000	£5,000	£10,000
Death Benefit (under 18)	£2,500	£2,500	£2,500
All benefits (over 66)	N/A	£2,500	£2,500
Personal Liability	Up to £2,000,000	Up to £2,000,000	Up to £2,000,000	£250
Legal Expenses	Up to £5,000	Up to £5,000	Up to £10,000	N/A
Catastrophe Cover	Up to £1,000	Up to £1,000	Up to £1,000	N/A
Ski Equipment				£70
Owned	Up to £300	Up to £500	Up to £600
Single item limit (owned)	£250	£450	£550
Hired	Up to £200	Up to £300	Up to £350
Ski Hire	£20 per day (£200 max)	£20 per day (£300 max)	£20 per day (£300 max)	N/A
Ski Pack	Up to £75 per day (£300 max)	Up to £75 per day (£350 max)	Up to £75 per day (£350 max)	N/A
Piste Closure	No Cover	No Cover	£30 per day (£300 max)	N/A
Avalanche Closure	Up to £200	Up to £200	Up to £500	N/A