If you are heading off on a skiing holiday at some point, you will need a travel insurance policy specifically designed to protect you against the particular risks associated with winter sports. Whilst insurance policies for skiers are intended for emergency medical situations, mountain rescue or repatriation, they are not meant to provide catch-all health insurance. Before you go abroad therefore you should be clear that you know exactly what is covered by your own policy and what is excluded.
Travel agents and tour operators will typically offer you ski insurance as part of their ski holiday packages, but there are insurance companies nowadays that specialise in ski and winter sports insurance and who can offer more extensive cover than that available elsewhere. The best place to start is on the internet, as this enables you to get a wide range of quotes quickly and with ease.
You are under no compulsion to take the insurance offered by your travel agent. Ski insurance is a specialist field, so you will benefit if you take the time to look around and find which deal gives you the best and broadest possible cover: if you want to try other activities such as snowboarding, heliskiing, dog-sledding or tobogganing, you may find a good deal which will cover you for all these things.
When you are out there on holiday, you should make sure you keep the risk to your property as low as possible. For instance try exchanging one of your skis with a friend if you ever have to leave them unattended: this will deter thieves, as a pair of mismatched skis will be practically worthless.
Many insurers now recognise off-piste skiing as part of a ski holiday and so are more inclined to allow it. But you should first always check the details of your policy to work out whether or not you will be covered if you try it without a qualified guide. In addition, if you ski in avalanche zones or areas marked as out of bounds your policy will automatically become invalidated.
Look at the fine details to find out the terms in the event that your resort suffers from adverse skiing conditions whilst youre there. If your resort is near a glacier they may pay for alternative arrangements that will enable you to ski there. There will always be many circumstances that could prevent you from being able to ski, whether it is simply piste closure or illness or injury.
If you plan on having more than one ski holiday during any given season, it may turn out to be a lot cheaper for you to buy an annual insurance policy. This will also cut out the hassle of arranging a new insurance policy every time you go away.
By taking care to note the small details of the insurance policies offered to you, youll be able to make good savings and ensure you have all the cover you need.
Travel agents and tour operators will typically offer you ski insurance as part of their ski holiday packages, but there are insurance companies nowadays that specialise in ski and winter sports insurance and who can offer more extensive cover than that available elsewhere. The best place to start is on the internet, as this enables you to get a wide range of quotes quickly and with ease.
You are under no compulsion to take the insurance offered by your travel agent. Ski insurance is a specialist field, so you will benefit if you take the time to look around and find which deal gives you the best and broadest possible cover: if you want to try other activities such as snowboarding, heliskiing, dog-sledding or tobogganing, you may find a good deal which will cover you for all these things.
When you are out there on holiday, you should make sure you keep the risk to your property as low as possible. For instance try exchanging one of your skis with a friend if you ever have to leave them unattended: this will deter thieves, as a pair of mismatched skis will be practically worthless.
Many insurers now recognise off-piste skiing as part of a ski holiday and so are more inclined to allow it. But you should first always check the details of your policy to work out whether or not you will be covered if you try it without a qualified guide. In addition, if you ski in avalanche zones or areas marked as out of bounds your policy will automatically become invalidated.
Look at the fine details to find out the terms in the event that your resort suffers from adverse skiing conditions whilst youre there. If your resort is near a glacier they may pay for alternative arrangements that will enable you to ski there. There will always be many circumstances that could prevent you from being able to ski, whether it is simply piste closure or illness or injury.
If you plan on having more than one ski holiday during any given season, it may turn out to be a lot cheaper for you to buy an annual insurance policy. This will also cut out the hassle of arranging a new insurance policy every time you go away.
By taking care to note the small details of the insurance policies offered to you, youll be able to make good savings and ensure you have all the cover you need.
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