If you are heading off on a skiing holiday, there is no doubt that you need an insurance policy which gives you a little more than a standard travel insurance package would. Your travel agent will usually offer you a deal, but it is always worthwhile looking around to find other offers to compare it with, not only in terms of how much it costs but what level of coverage it provides. If you do look around, there are certain things that you should pay careful attention to when studying any offers presented to you.
You might find a policy that will provide 24 hour assistance, giving you support at all hours if you are involved in an emergency. This will provide you with someone to contact should anything go wrong. Should any doctor’s fees or medical bills need to be paid or repatriation arrangements made, this will give you a lifeline to turn to.
However ski insurance which offers this kind of support sometimes requires you to inform the assistance company within a certain time limit in the event of injury or hospitalisation. You may not be able to claim if you fail to follow the conditions.
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 usually gives cover for your equipment if it is stolen from outside bars and restaurants, but you might find it is not covered if you leave it out overnight and not properly locked away in a safe place in your hotel. You have to do all you can to deter thieves as your equipment is expensive. But make sure you follow the terms of your policy when it comes to keeping your equipment safe so that if anything is stolen you are in a better position to make a claim.
You should also study your policy to see how you’ll be reimbursed if you do make a claim. Generally, stolen equipment is not replaced with new, but rather you’ll be recompensed with a figure calculated from the age and current value on the market of what is stolen.
Normally, liability cover will be included in your ski insurance. However you will find that different policies incorporate different levels of cover. Make sure you know what level of liability you are covered for, and if it is insufficient then you should look into extending it.
Ultimately what this proves is how vital it is that you study your policy carefully and have a clear understanding of the terms and conditions, so that you can be sure you know how much coverage you have should anything go wrong.
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