TJM consider it essential to be well insured before embarking on a Winter Sports holiday. Therefore our comprehensive winter sports insurance has been specially arranged with Fogg Travel Insurance Services Ltd - experts in winter sports insurance for over 25 years, together with members of Association of British Insurers.

Details of our Insurance Policy (PDF)| Key Facts (PDF)

Our insurance includes the Fogg Travel MEDI-CARD enabling you to ski with the knowledge that all your rescue, transportation and medical bills will be automatically taken care of (all you need to pay is the policy excess).

For Party Leader peace of mind, our insurance includes Organiser's Liability cover.

As with most insurances, you are only insured for an event which occurs after you have purchased the cover. It is essential that you read the insurance certificate. Please therefore carefully read the paragraph headed Health below. If for any reason it is not suitable for you, you may return it for a full refund, provided you return it within 14 days of receipt and you have not travelled or have made a claim. A full copy of the insurance certificate will be sent with your confirmation of booking but a brief summary of the cover, and Association of British Insurers Code of Practice is provided below.

* increased to £50 in respect of persons aged 16 and over. ** increased to £250 in respect of rented property damage only. *** please refer to the personal accident section for details of cover.

Important Notice

Under the Association of British Insurers General Business Code of Practice we have to bring to your attention some of the important features of your travel insurance policy.

Insurance Policy

This contains full details of the cover provided plus the conditions and exclusions which apply to it. You must read the insurance policy carefully. Conditions and exclusions There are conditions and exclusions which apply to individual sections and general conditions, exclusions and warranties which apply to the whole policy.

Health

If you are over 16 travelling anywhere, or under 16 travelling outside Europe, or any other person on whom the travel plans depend, have ever had treatment for any heart or circulatory condition, a stroke or high blood pressure, any breathing condition (including asthma), any type of cancer, any type of diabetes, any psychological condition, any existing injury or other serious or re-occurring medical condition, any condition requiring long term prescribed medication or if you are receiving or awaiting investigation for any medical condition you must advise Medical Referral helpline (details are given in the policy) to see if additional cover is available. Insurers reserve the right to impose terms. You will receive confirmation in writing of their decision.

Property Claims

These are settled on an indemnity basis - not on a "new for old" or replacement cost basis.

Policy Limits

Most sections of the policy have limits on the amount the insurer will pay under that section. Some section also include inner limits e.g.: for any one item, or for valuables in total.

Policy Excesses

Claims under most sections of the policy will be subject to an excess. Where there is an excess, you will be responsible for paying the first part of the claim.

Computer Failure

All insurers are excluding any claims which relate to the failure of computers to recognise date changes. Our travel insurance will provide cover Medical Expenses and Personal Accident claims even if these are caused by computer failure.

Reasonable Care

You are required to take all reasonable care to protect yourself and your property and to act as though your are not insured.

Telling Us About Relevant Facts

You must tell Insurers or ourselves before you travel about anything which may effect your cover. This information must be complete and adequate. If you are not sure whether something is relevant you should tell us anyway. You should keep a record of any information you give us. If you do not tell Insurers about something that may be relevant your cover may be refused and Insurers may not cover any related claims.

Complaints

The Insurance policy includes a Complaints Procedure which tells you what steps you can take if you wish to make a complaint.

Hazardous Holiday Activities

The policy may not cover you when you take part in certain hazardous activities e.g.: paragliding. The contract will be subject to English Law unless otherwise agreed.

Claims & Insurance

For claims and any further information regarding this insurance please contact: Fogg Travel Insurance Services Ltd, Crow Hill Drive, Mansfield, NG19 7AE. Tel: +44 (0)1623 631331 Fax: +44 (0) 1623 420450

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