Winter Sports Insurance Fact File

By Author: Neon Glory
Total Articles: 7
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After booking your skiing holiday, buying travel insurance should be the next task on your list. Standard insurance policies are unlikely to cover you adequately for participation in winter sports, so it is important to find cover that is tailored to your needs.

What should your winter sports insurance policy cover?

There are an abundance of policies offered by different insurers available online. It is important to shop around before you buy.

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 then you may be able to receive some treatment for free or at a discount, however, the cover offered under the European scheme is not extensive enough to look after you fully while on the slopes and it is essential that you purchase private insurance.

Your personal possessions should also be covered, including your ski equipment. Even if you do not yet own your own skis, boots or poles, you are likely to be liable for any damage to the equipment you hire.

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 carefully to make sure you will be covered for the activities in which you intend to be involved. This is especially important if you are an experienced skier and intend to go off-piste.

Some exclusions will be largely standard; for example, 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; and that you do not recklessly expose yourself to hazard.

AA Travel Insurance, Go Travel Insurance and 1 Stop Travel Insurance are three reputable insurers offering comprehensive winter sports cover. Visit their websites to see if their policies meet your needs and to receive a free quotation.

For great deals on travel insurance including annual travel insurance with discounts for couples & families, visit AA Travel Insurance.