Our insurance products

Multisport: sportsman 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.
Multisport 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?
Multisport is a multi-risk insurance product for amateur sport activities. The policy covers in case of damages involuntarily caused to third parties while practicing sports and provides assistance services in case of injury occurred while practicing 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 insurance is purchased. In such a case 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 Limit
Third party liability for personal injury €500.000 Excess 10% minimum €250
Third party liability for damage to property
only in case of damage to persons as well
€50.000 Excess 10% minimum €250
Refund for unused subscriptions, lessons, sports equipment hire due to injury €1.000
Search, aid and rescue expenses €25.000
Emergency medical expenses
“Emergency medical expenses” refers exclusively to
expenses incurred immediately after the claim.
€1.500
Companion during hospitalization Full cost
Repatriation for medical reasons Full cost
Travel companions repatriation Full cost
Legal protection €1.500
Advance bail payment €5.000
Transportation of coffin €1.500

 

WHO IS INSURED?
The persons insured are the customers indicated in the policy subscribed or any other document or item proving that insurance cover was purchased.

WHAT ARE THE MAIN EXCLUSIONS?
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.
Participation in competitive events even as an amateur.
Mountain climbing over 6.000 metres, bobsleigh, hunting dangerous animals, motor and flying sports (unless the appropriate additional premium has been paid), skeleton sledding, potholing. Exclusively for the daily policies, motor and flying sports are not excluded if played with an instructor.
In case of downhill skiing activities 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.
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 policy 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 insurance cover starts at 24.00 of the day indicated in the policy or the day of payment of the premium if subsequent and the cover ends at the date indicate in the policy.

INSURANCE VALIDITY
The insurance is valid only if the policy, or any other document or item proving that insurance cover was purchased, indicates the premium was paid.

TERRITORIAL VALIDITY
The insurance is only valid all over the world if subscribed by Italian citizen resident in Italy. In case the policy is subscribed by foreign citizen, territorial validity will be limited to sport activities performed in Italy.

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

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

Snowcare Valle d'Aosta: 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 Valle d’Aosta 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. In such a case 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 Limit
Third party liability for personal injury €1.000.000 Fixed excess €500
Third party liability for damage to property
only in case of damage to persons as well
€150.000 Fixed excess €500
Legal protection €1.000
Rescue on Italian slopes
Only in case of transportation
€200
(5.000€ with helicopter)
Rescue on foreign slopes
Only in case of transportation
€500
(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
Chauffeur service Full cost
Refund for unused skipass due to injury* Unused part
Refund for rented ski equiment unused due to injury* €40/day Fixed excess €20
Refund for ski lessons not taken due to injury* €60/day Fixed excess €30
Repatriation for medical reasons* €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 Aosta Valley 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 on the skiing slopes covered by the ski-pass issued by the ski resort (including the areas bordering Italy).

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

Snowcare Lessons: ski and snowboard lessons refund 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 Lessons 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 Lessons is a refund insurance product for ski and snowboard lessons. The policy covers to refund the costs of ski/snowboard lessons paid but not attended by the Insured in the cases 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. In such a case 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 Limit
Refund for sickness Full cost of lesson
Refund for injury Full cost of lesson
Refund for death Full cost of lesson
Refund for hospitalization Full cost of lesson
Refund for examination medical convocation Full cost of lesson
Refund for resignation, suspension from work or new hiring Full cost of lesson
Refund for transfer of residence for work reasons Full cost of lesson
Refund for cancellation or modification of vacation plan Full cost of lesson
Refund for inability to reach the ski resort Full cost of lesson
Refund for house damage Full cost of lesson

 

WHO IS INSURED?
The persons insured are the customers and rightful owners of a proof of payment issued by the ski school indicating the insurance cover purchased and the details of the lesson they attend, or any other document or item proving that insurance cover was purchased.

WHAT ARE THE MAIN EXCLUSIONS?
Events that have already occurred at the time the policy is purchased, and those whose occurrence was manifest for the insured person at the time the policy is purchased.
Events connected with participation in dangerous acts or against regulations in full knowledge of the risks.
Events connected with pandemics and epidemics.
Events connected with participation in competitive events even as an amateur.
Injuries occurred practicing of aerial sports, bobsleigh, skeleton, rock-climbing, hockey-on-ice, diving.
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 must ask the refund of the lessons, paid and unused, before the start of the lesson that will not be attended.
The insured person must guarantee during the period of sickness and/or injury availability 7 days out of 7 at the times from 8:00 to 17:00, indicating the domicile in order to allow the possible visit of doctors sent by the Insurer.
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).
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?
Snowcare Lessons insurance validity starts at 24.00 of the date of payment of the premium by the insured, up to the beginning of the last lesson assured.

INSURANCE VALIDITY
Snowcare Lessons insurance is valid only if the payment receipt, or any other document or item proving that insurance cover was purchased, indicates the premium was paid.

TERRITORIAL VALIDITY
The insurance is only valid in Europe.

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

You have to cancel the lesson with your ski school and inform the Insurer before the beginning of the lessons.
The claim can be submitted direcly online, filling this form.
Once you have submitted the claim, you must send within 10 days (final deadline):
- the payment receipt;
- 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