Snowcare: ski and snowboard insurance

The following information intended for foreign clients gives a clear, succinct overview of the insurer's identity and the essential content of the insurance contract.

WHO IS THE INSURER?
The Insurance Company is GEFION INSURANCE A/S, Østergade 10DK-1100 Copenhagen K. Denmark.
Snowcare insurance is distributed by GBC Montagna S.r.l. Corso Magenta 69/A 20123 Milano (MI), Italia.

WHAT RISKS ARE COVERED BY THE INSURANCE AND WHAT IS THE SCOPE OF THE INSURANCE SERVICES?
Snowcare is a multi-risk insurance product for ski and snowboard activities. The policy covers in case of damages involuntarily caused to third parties while practicing snow sports and provides assistance services in case of injury occurred while practicing snow sports, as indicated below.
All guarantees of the insurance are subsidiary to any insurance cover subscribed earlier by the insured/beneficiary and valid when the ski-pass is delivered or the insurance is purchased online. In such cases only the damages not already insured by the contract will be covered.
The risks insured and the scope of the insurance cover are stipulated in the General Insurance Conditions (available only in Italian), issued in accordance to the regulations of the Italian Insurance Authority, IVASS.

Benefits and services provided can include the following:

Guarantee Silver Limit Gold Limit
Third party liability for personal injury €150.000
Excess 10%, minimum €500
€150.000
Excess 10%, minimum €500
Third party liability for damage to property
only in case of damage to persons as well
€10.000
Excess 10%, minimum €500
€10.000
Excess 10%, minimum €500
Legal protection €1.000 €1.000
Rescue on Italian slopes
Only in case of transportation
- €200
(1.000€ with helicopter)
Rescue on foreign slopes
Only in case of transportation
- €400
(5.000€ with helicopter)
Emergency medical expenses
“Emergency medical expenses” refers exclusively to
expenses incurred immediately after the claim.
Only at agreed medical facilities
€500 €500
Chauffeur service Full cost Full cost
Refund for unused skipass due to injury* Unused part Unused part
Refund for rented ski equiment unused due to injury* €40/day Fixed excess €20 €40/day Fixed excess €20
Refund for ski lessons not taken due to injury* €60/day Fixed excess €30 €60/day Fixed excess €30
Repatriation for medical reasons* €5.000 €5.000

*Only for policies/ski-passes with duration of 3 or more consecutive days

WHO IS INSURED?
The persons insured are the customers and rightful owners of a ski-pass issued by the ski resort indicating the insurance cover purchased from the member resort or any other document or item proving that insurance cover was purchased.

WHAT ARE THE MAIN EXCLUSIONS?
The insurance is only valid in the event of request and intervention by the rescue services at the scene of the accident on the ski runs.
Events that have already occurred at the time the ski-pass is issued, and those whose occurrence was manifest for the insured person at the time the ski-pass is issued.
Events connected with participation in dangerous acts or against regulations in full knowledge of the risks.
Events connected with pandemics and epidemics.
Practice of ski-climbing and «free skiing», off-piste skiing (with the exception of the slopes authorised by the ski resort), participation in competitive races even as an amateur.
Assistance procedures and costs not ordered or not approved by the Insurer.
This list only indicates the most common exclusions. Other exclusions are stipulated in the General Insurance Conditions.

WHAT ARE THE OBLIGATIONS OF THE INSURED PERSON?
The insured person is bound to entirely respect his/her obligations as regards notification, legal or contractual information and the procedures to be followed (e.g. declaring losses promptly to the Isurer).
The insured person is bound to do everything in his/her power to limit the extent of the loss and help in elucidating its cause (e.g. authorizing third parties to remit documents, information and other elements needed to account for the loss to the Isurer).
Notify in any case to their previously existing insurers whose coverage was in force at the time when the ski-pass was issued. Then he/she may send the final account statement from his/her insurers to the Isurer in order to apply for statement of any insurance claim which may not already have been covered.
The Isurer advises citizens from EU Member States who suffered an accident and need urgent transportation and treatment in hospital, that they can benefit of European Health Insurance Card (EHIC) policy agreements, presenting their EHIC document to the services providers. Then you may send to the Isurer the final account statement from the providers to enable any differences to be compensated.
In case of failure to comply with the above obligations, the Isurer will not be liable.
This list only indicates the most common obligations. Other obligations are stipulated in the General Insurance Conditions.

WHEN DOES THE INSURANCE PERIOD START AND END?
The start and end dates of the insurance are indicated on the ski-pass or on any other document or item proving that insurance cover was purchased.

INSURANCE VALIDITY
Snowcare insurance is valid only if the ski pass or any other document or item proving that insurance cover was purchased indicates "Snowcare”.
In the event of an accident, cover is only provided if the resort ski patrol attends the scene of the accident.
It is very important that you keep the ski pass containing the indication of insurance, which serves as a certificate of this insurance.

TERRITORIAL VALIDITY
The insurance is only valid in Italy and bordering areas if subscribed by Italian citizen resident in Italy. If the policy is subscribed by foreign citizen, the policy is only valid in the areas where the ski-pass purchased in Italy is valid.

HOW TO REPORT AN ACCIDENT OR SEND A REFUND CLAIM?
You can contact the operations center 24 hours a day:
GBC Montagna S.r.l.
Tel.: +39 02 20564.450

To report an accident causing damage to other persons and activate the third party liability coverage of you policy follow the instructions of this form.
To request the refund included in the benefits of your policy in case of injury fill out this form.

To benefit from “Companion during hospitalization”, “Repatriation for medical reasons”, “Travel companions repatriation”, “Advance bail payment”, “Transportation of coffin” you have to contact the operations center immediately, because it is the only one authorized to organize services (otherwise the Company is not required to pay damages, give refunds, or provide alternative services of any type by way of compensation).
To benefit from the other coverages, you must send within 10 days (final deadline):
- the accident details or reimbursement claim;
- every item, invoice or certificate to prove what happened.

HOW ARE PERSONAL DATA PROCESSED?
The Isurer processes data from contractual documents or arising from the execution of the contract and uses them notably to calculate the premium, define the risk, process cases giving rise to services, create statistics or for marketing purposes. These data are securely stored physically or electronically.
These data will be transmitted, if necessary, to interested third parties, including other insurers, authorities, lawyers, doctors and external experts. These data may also be processed to prevent any insurance fraud.
All details about personal data treatment are described in the General Insurance Conditions.

THIS ENGLISH TRANSLATION MAY BE USED FOR INFORMATION PURPOSE ONLY,
THE ITALIAN WORDING PREVAILS IN CASE OF LITIGATION

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