About Winter Sports Travel Insurance

About Winter Sports Travel Insurance



About Winter Sports Travel Insurance
As the​ days grow shorter and summer becomes a​ memory,​ many of​ us will be turning our thoughts towards planning a​ winter vacation,​ especially one involving winter sports such as​ skiing .​
Travel insurance is​ an​ often overlooked part of​ holiday planning,​ but if​ you​ plan on​ taking part in​ sporting activites then it​ really is​ essential.
A normal travel insurance policy will probably not be up to​ the​ standard you​ need for winter sports,​ and if​ things go wrong you​ could be left facing a​ huge bill .​
So what features should you​ be looking for in​ a​ policy?
- Injury Cover
No matter how accomplished a​ skiier you​ are,​ hurtling down a​ mountain is​ always going to​ be more risky than simply lying on​ a​ beach working on​ a​ tan .​
And if​ you​ do have an​ accident,​ a​ mountainside isn't the​ easiest place for medical services to​ reach .​
If you're unlucky enough to​ need a​ mountain rescue or​ airlift to​ hospital,​ you'll be facing a​ bill running into the​ thousands even before you​ get medical attention .​
This sort of​ expense is​ likely to​ be specifically excluded on​ a​ standard insurance policy,​ but will be an​ integral part of​ almost any winter sports cover.
- Equipment
Most winter sports require expensive equipment,​ and where there are valuables there's always the​ chance of​ theft .​
Your insurance should provide enough cover to​ fully replace your equipment with brand new items if​ necessary,​ right there at​ the​ resort .​
Even if​ you​ plan to​ hire your equipment,​ the​ hire company will probably require insurance - and your own policy is​ likely to​ be cheaper than the​ standard one they'll try to​ sell you.
- Liability
Even the​ best skiiers or​ snowboarders can be involved in​ an​ accident in​ which someone else gets injured .​
Whether or​ not an​ accident is​ your fault,​ you​ could end up being taken to​ court and this is​ usually a​ long and expensive process .​
a​ decent insurance policy will cover costs from any legal proceedings and / or​ compensation payments.
- Closure of​ Piste
If bad weather (or warm weather!) means that the​ pistes are closed and you​ can't ski,​ your policy should pay you​ compensation to​ cover the​ costs of​ any pre-booked lessons or​ lift fees,​ and many will even include a​ payment simply to​ cover the​ inconvenience of​ not being able to​ ski.
- Off Piste
A final point to​ note is​ that a​ standard winter sports policy will probably only cover you​ for accidents that occur when skiing on​ designated pistes .​
If you​ plan to​ go off-piste,​ then make sure your insurance will cover this - you'll probably have to​ pay a​ supplement.
As with most kinds of​ insurance,​ paying out for travel insurance can seem like a​ waste of​ money .​
However,​ if​ you​ find yourself caught up in​ an​ accident on​ the​ mountainside then the​ costs involved can be truly frightening and you'll be glad you​ took the​ time to​ arrange adequate cover in​ advance!




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