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Family Ski Travel
Insurance
According
to statistics released by the
Foreign and Commonwealth Office, almost half of all UK holidaymakers
don't bother to take out any travel insurance when going on a short break.
Even more worrying is the fact that over 10% of UK travellers fail to
get insurance cover when away on a longer break!
Skiing and snowboarding is a great sport but can be hazardous. Everyone
must know someone who has had an accident or been injured on the slopes.
The simple fact is that you are far more likely to have an accident
skiing, or in some other winter sports, than you are subathing by the
pool reading a good book. So it shouldn't come as a great surprise that
most standard travel insurance policies do not include winter sports
cover.
What To
Look for in your Family Skiing Insurance Cover
When looking for
skiing insurance you need to find the right policy at the best price.
Many insurers offer cheap travel cover, but these may have restricted
terms
and conditions which only become clear when making a claim.
Failure to
get the appropriate cover when going on skiing could prove costly, even
a medical bill can cost a small fortune, particularly in the USA or
Canada where medical and legal costs are far greater than in the UK.
When you
buy winter sports
insurance it is important to check cover includes:-
- Snow boarding and skiing
off-piste
- Suitable medical cover
- Mountain rescue costs in
case you need to be taken off the mountain
- Piste closure, avalanches,
and ski hire are covered as standard
- Rescue and repatriation
- Personal liability and legal
fees
- If travelling as a family
look for a policy that covers the whole family
- If you are likely to have
more than one ski trip in a year look for an annual policy
Get Skiing Travel
Insurance Quote
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Advice From The Travel Insurance Guide
When
purchasing your winter sports policy it is important to think about the
sort of things you will be doing beforehand. Many insurers will cover
winter sports as a whole but that doesn't mean that they will always
cover you for things you assume should be included, such as ice
skating, tobogganing, dog sledging and other activities you might have
a go at in the snow! A lot of insurers will also not include cover for
you to ski or snowboard off-piste, however there are some who now
include off-piste ventures, as long as you are not going into an area
which has been closed by the local authorities. Find out what's
covered, and make sure you get the right cover for your needs by
visiting Travel Insurance Guide.
If you have been skiing before you will know about the various
aprés ski activities, and the particularly enticing bars and
restaurants on the side of the piste. However, thieves also know how
attractive it is for tired skiers to leave your ski equipment on the
racks provided outside the bars and rest your legs while you have a hot
meal. Theft of ski equipment in this situation is becoming increasingly
common, and replacing that equipment doesn't come cheap, so there are
only a few insurers who will cover for this eventuality. You can find
out which providers will pay out on the Winter Sports Insurance Guide.
A holiday in the snow can be a great option especially for those with a
family, as it keeps the kids active and having fun during your trip
whilst spending time learning new skills together! Many insurers have
started to offer travel insurance as a family or group package to save
you money, some even offer the bonus of allowing family members to
travel independently on the family insurance. There are loads of offers
out there from discounted rates for single parent families to insuring
the kids for free! Make sure you read the policy details and find out
exactly what is defined as a family and a child as this varies from the
different providers, all the information you need can be found on
the Family Cover Insurance Guide.
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