Making sure that you are insured against all eventualities is essential after you have booked a skiing holiday and before you take to the slopes. Standard travel insurance will not always protect you against problems that may arise in connection with winter sports activities and you are likely to need to look for a more tailored policy.
What should your winter sports insurance policy cover?
There are so many companies offering winter sports insurance that it is easy to become confused. Read on to find out the basic benefits your policy should offer, but remember always to check in detail before you buy that you will be protected at all times on your trip.
All winter sports policies should offer personal accident cover as a priority. If you are skiing in Europe and have a European Health Insurance card you will already be able to receive treatment for free or at a discount, however, the European agreement does not cover rescue from the slopes or repatriation if you need to go home.
Your personal possessions, including poles, boots and skis, even if they are not your own, should be protected against loss or damage under your policy.
Other items of cover should include cancellation or curtailment of your trip and piste closure.
Check what is not included under your policy.
The greatest variation between winter sports insurance policies is likely to be found in what they do not cover, i.e. in the exclusions section.
Read the policy exclusions to ensure that all of the activities in which you intend to participate are covered. For example, if you are an extreme skier, read the policy information carefully to ensure that it will not be invalidated if you decide to go off-piste.
Most insurers will require that at all times you ski safely, wearing all the appropriate protective equipment; that you take notice of all local authority warnings in order for your insurance to be valid. You should not recklessly expose yourself to hazard at any point during your holiday.
With this advice you are now ready to get insured. Check out the websites of AA Travel Insurance, Go Travel Insurance and 1 Stop Travel Insurance, as a starting point in order to compare the cover available on the market. Remember that some insurers will also help you to extend your cover if you have particular needs if you call their advisers.
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