Skiing – Don’t go without ski insurance
Published: 9 January 2009 By MoneyhighStreet Staff Leave a Comment
According to research by esure.com, many skiers are setting off on their skiing holidays without taking out ski travel insurance.
The research found that 1 in 5 skiers, some 400,000 people, don’t take out ski insurance.
Of these, over 10% decide they don’t need it. This means they believe they won’t fall and hurt themselves, they won’t damage their skis or snowboards or find that the pistes are closed or even miss their departure.
Or if they do find themselves subject to any of these issues that they are comfortable to cover the cost. All things though that are covered by standard ski insurance which can be bought for a relatively small cost.
Medical cover is critical for ski holidays. Even in Europe if you need airlifting off the mountain you could face a bill of over £1500.
Some believe that the European Health Insurance Card (EHIC) provides all the cover that is required if your ski destination is within the EU. This is not the case.
Whilst the EHIC does cover medical treatment within the EU, it does not cover the cost of getting to or from the hospital or the cost of repatriation.
Even if you have an annual travel insurance policy don’t assume it will automatically cover you for skiing. Many don’t as standard. Ski insurance can usually be included but it may need to be added as an extra.
Make sure that your cover extends Worldwide if you are skiing in such as Canada or the USA, and that you don’t just have European ski insurance.
If you are taking a family ski holiday then you’ll need insurance that covers all the family.
Finally, even if you already have a ski policy, make sure it covers you to the level you need and that it covers all the activities you want to get involved in whilst on holiday.
Things like snow mobiling or ski-dooing may not be covered automaticlly. Depending on the insurer it may be possible to add them at an additional charge.
Finally be aware there are some extreme activities, such as heli-skiing, that it may be very difficult or costly to get insurance cover for.