With winter comes the opportunity to take to the slopes and enjoy a snow-topped holiday. Skiing holidays are proving more and more popular. We’ve seen a 33% rise in the number of winter sports insurance sales year on year and there’s no doubt that many of you will already be counting down the days until you hit the slopes.
And with more of you hitting the slopes, it’s as important as ever to make sure that you’re covered for any accidents that occur while you’re away. Did you know, that only 7% of single trip travel insurance policies provide winter sports as standard? So, if you’re heading off skiing this year, it’s important you make sure you’re covered.
From broken legs to lost equipment, it’s easy to assume that you’re covered by an annual policy or by travel insurance ‘add-ons’ provided by your bank, but high risk winter sports often require extra protection. And different travel policies can vary greatly in terms of premiums, excesses and exclusions. So when you’re looking for your holiday insurance, you should take time to read the small print on your policy to make sure your activities are covered.
And just in case you tend to get a bit baffled by all the policy jargon or just don’t know where to start, we’ve put together a quick list of things you need to know to make sure you’re covered by your policy on the slopes this season:
1) Medical cover: Winter sports can be dangerous and even the best skiers need to make sure they’re covered. Any medical treatment, rescue or repatriation can be covered by medical insurance which could save you a small sum so check each policy carefully to see what medical cover is included.
2) Skiing off-piste: As little as 12% of policies that include winter sports cover allow off-piste skiing without restrictions. Most policies will require you to stick to designated paths or make sure you’re with a guide so double-check the small print before you set off.
3) Ski passes: Ski passes can be one of the biggest expenditures if you’re heading up the mountains so make sure your policy will cover the cost of a replacement, should you lose it. 15% of policies don’t cover you and nearly a quarter (24%) of policies will only cover you up to £250.
4) Delays, disruptions & closures: Many insurers will offer you some compensation if the pistes are deemed unsafe and forced to close. But do look at this carefully as 58% of policies offer less than £25 per day. Disruptions by avalanches are also often covered but the level of cover will vary.
5) Winter sports equipment: Your ski equipment and clothing probably didn’t come cheap and so you should make sure this is covered in any insurance you take out.
Almost all policies will offer you cover but read the terms and conditions carefully, as some insurers will cap your claim at £500 which could leave you out of pocket.
So, if you’re planning to hit the slopes this season, you can compare winter sports travel insurance now and we can provide options to help you find the right policy for you. Make sure you read the policy wording carefully to make sure you’re covered for the things you care most about.