Winter Sports Insurance

Make sure you are insured against all eventualities is essential once you have booked a skiing holiday and before the tracks. Standard travel insurance will not always protect you against problems that may arise in connection with the activities of winter sports and you're likely to need a more tailored look.

What should your insurance policy covers winter sports?

There are a multitude of policies offered by different insurers online. It is important to shop around before buying.

All winter sports policies should provide personal accident cover, as a priority. If you are skiing in Europe and a European health insurance card, you may be able to receive treatment for free or at reduced prices, however, the coverage provided under the European system is not large enough to take care of you all on the tracks and it is essential that you take out private insurance.

Your personal belongings should be covered, including your ski equipment. Even if you do not own your own skis, boots or poles, you are likely to be responsible for any damage to the equipment you rent.

Other elements should include cancellation or curtailment of your trip and closing tracks.

Check what is not included in your policy.

The largest variation between winter sports insurance policies may be in what they do not cover, ie in the section exclusions.

If you're an extreme skier, you must carefully read the information policy to ensure it will not be invalidated if you decide to go off-piste. Skiers of all levels should ensure that you protected during all activities in which you intend to participate.

Some exclusions are largely standard, for example, most insurers require that, at any time you ski safely, wearing all the proper protective equipment that you familiarize yourself with all warnings from local authorities. It is logical that you should not recklessly expose yourself to risk at any time during your trip.

It's a good idea to compare policies of different insurers on the market. If you have little time, so take a look at the policy of AA Travel Insurance, Travel Insurance Go Travel Insurance or 1STOP. We recommend these insurers because they offer affordable policy with comprehensive coverage.