Ski insurance policies

                                                                                         

If you want to go and take a skiing holiday in the mountains this year then you’re going to have to find an insurance policy that provides extra coverage than what you would get from a standard travel insurance policy. Typically, travel agents and tour operators will provide you with a deal of some sort but it’s always wise to look elsewhere too and see what other offers are available on the market. You may find other deals out there which give you better coverage at a more affordable cost. But if you do look elsewhere, be careful to find out exactly what the alternatives involve.

Some policies will offer you 24 hour assistance, giving you support round the clock should you have any emergency. In the event of an emergency this is enormously helpful, as it will give you one point of contact who will promptly pay any medical bills or doctors fees and who will arrange for repatriation if necessary.

However you should take care to note that ski insurance which offers this kind of support usually carries with it a requirement that you notify the assistance company within 24 hours of any injury or hospitalisation. If you don’t follow the terms precisely, you may lose your right to claim.

Under-18s are sometimes covered for free under the insurance policy of their parents, so if your family goes skiing frequently this kind of policy may help lower your costs. However you should find out whether this free addition covers children if they go on a school trip and are not travelling with their parents. Always look carefully at the terms.

Ski insurance policies will normally provide cover if you lose your equipment from outside bars and restaurants. However if you don’t keep your equipment locked away properly overnight, you may find it will not be covered. For this reason you should use the secure rooms available in most hotels to hide away your equipment and keep it safe. However if something does get stolen, you should make sure you can say you followed the terms and conditions of your policy so that you are better able to make a claim if anything does go missing.

Also make sure you study your policy to see how you’ll be recompensed if you have to make a claim. Stolen equipment will not necessarily be replaced with new; rather, you may be reimbursed with a certain amount of money calculated on the basis of the age and current market value of what has been stolen.

Your ski insurance will typically include liability cover, but the level of coverage given is uncertain. Make sure you discover exactly how much liability you are covered for. If it is not enough, then you should try to extend it.

All of this points to the importance of studying your policy carefully so that you know what the terms and conditions are. This of course is true whatever type of insurance you are looking for.

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