Important information

Please read this carefully and remember the following:

1. Declaration
This insurance policy contains a declaration which is set out opposite. You must tell us about anything we have asked in the declaration which may affect this insurance policy.

2. Limit of cover
Each section of the personal insurance cover shows the most you can claim, but other limits may apply. For example, under Baggage, the overall limit is £2,500 but there is a limit of £500 for any single item and a total limit of £500 for all valuables. We will work out how much we will pay you for baggage claims based on the value of the items at the time of the loss, not the cost of replacing them.on the value of the items at the time of the loss, not the cost of replacing them.

3. Looking after your belongings
Many claims for loss or theft are caused by people being careless with their belongings. If you do not take good care of your belongings, it can be upsetting and inconvenient for you and we may not pay your claim.

4. Premium refund
You can cancel a policy within 14 days from the date you receive the policy wording and policy schedule by contacting the BMC. We will then refund your premium in full provided you have not travelled, made or are intending to make, a claim. No refund of premium is available after the 14 day period.

5. Excesses
We will take an excess off each claim you make under certain sections of this insurance. The amount you will have to pay towards a claim is shown under each section. If we agree to a medical expenses claim which has been reduced by your using an European Health Insurance Card (EHIC) or other reciprocal health agreement, or your own private health insurance, the section excess will not apply.

6. Making a claim
To help us deal with your claim quickly and efficiently, please refer to the claims procedure in your policy document. This explains what documents you will need to support a claim and when you will need this kind of proof. You must collect some of the proof you need, for example a police report, while you are on your trip. For all claims, claims queries and requests for claim forms please contact Fogg Travel Insurance Services quoting The British Mountaineering Council (BMC), advising the section under which you wish to claim:

P J Hayman Claims Department
Stansted House, Rowlands Castle, Hampshire PO9 6DX
T +44 (0) 2392 419 020 E

7. Preparing for your trip
Before engaging in sports or leisure activities, you should ensure that all reasonable local safety advice has been obtained and is followed. This includes obtaining details of all the local emergency rescue services such as mountain rescue and taking such details with you.

8. Getting help
The emergency assistance provided by this insurance is operated by Collinson Medical Assistance.

In case of serious emergency
First call an ambulance using the local equivalent of a 999 call. While You wait for the ambulance contact our Emergency Medical Assistance service which is open 24 hours a day and 7 days a week. You must notify us as soon as possible if you are to be admitted as an in-patient, or where costs are likely to exceed £500, for agreement of costs under the policy.

More details on the assistance service are given on your Emergency Assistance card and in the What to do in the Event of a Medical Emergency section of the policy document.

The contract will be subject to English Law unless otherwise agreed. Please ensure you read your insurance policy carefully. Failure to comply with the terms and conditions of the policy may result in cover being restricted. Specimen policies setting out in full all terms, conditions and exclusions may be obtained from the BMC.