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

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.