How do I buy skiing holiday insurance?

British skiers are not known for their glowing reputation on the slopes. For a country which is well known for it's introvertedness and fear of risks, Britain provides a lot of skiers who travel too fast for their own good. Let's add to this the fact that if you are sitting on the beach reading a book you are far less likely to have an accident than if you are skiing or participating in any hazardous sport. It is for this reason that most holiday insurance policies exclude skiing, because insurance companies do not believe that those people who are not undertaking hazardous pursuits should not be subsidising those who are. The costs of mountain rescue, the prepaid expenses of things like a ski pass and skis and any expenses incurred due to an avalanche should be in addition to basic holiday insurance cover, and this is reason you need to buy skiing holiday insurance specially.

ONLINE UK SKIING HOLIDAY INSURANCE QUOTES

Before you go looking for the right skiing insurance, you should try to find out exactly what you will be doing when you go on your holiday. You need to tell your insurer should you be thinking of skiing off-piste or maybe going heli-skiing or even simply for snowboarding. You insurance must extend to everything that you are doing. The worst thing you can do is simply to assume that ski insurance will automatically protect you for all winter sports that you are doing, so speak to your insurer and tell them your exact requirements.

The insurance company may decide that they need to impose restrictions upon you. Typically, it will be that you have to use only recommended equipment and act responsibly. You will need to read through all terms and conditions thoroughly before agreeing to a policy to avoid being restricted in a manner inappropriate to the needs of the activities you are about to undertake.

One thing that you need to check is that you have a sufficient amount of cover. This is particularly relevant for personal liability. When skiing you could also injure other people apart from yourself, in which case you will need legal cover in case it all ends up in court and you have to pay for legal representation, for which you will need at least £2m. You must make sure medical cover covers ambulance and mountain rescue costs, another £2m being the least you should have.

When you buy skiing holiday insurance, you must also look at the usual elements of holiday insurance such as cancellation and personal belongings cover. The cost of your skiing holiday insurance will also depend on the destination you are going to. The US (e.g. Aspen) is more expensive due to higher medical costs, and Europe is cheaper.

© AskFinancially.com 2008

Travel Insurance

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How do I buy skiing holiday insurance?

© AskFinancially.com 2008

Travel Insurance

Insurance & Loans

Copyright