Going away for a winter holiday? Looking forward to go skiing? Snowboarding and skiing can be great fun, but you have to be aware that many injuries happen on the slopes. That’s the reason way many standard travel and holiday insurance policies exclude these activities – winter sports are more risky than any other holiday activities.
Specialist winter sports travel insurance is essential for skiers and snowboarders. Don’t be tempted to rely on your EHIC – have yourself covered!
If you’re heading to the pistes, a winter sports insurance policy will cover you for events such as medical emergencies, cancellation of a trip and personal liability should you cause damages to a third party, lack of skiing or snowboarding due to bad weather, piste closure etc.
You can either buy winter sports cover independently; add it to your multitrip travel insurance or sign up for the tour operator or travel agent's policy. Don’t automatically grab the cheapest policy as the excesses you need to pay in the event of a claim could be higher and you could be missing out on essential cover.
We recommend looking at comparison websites, such as Confused or Money Supermarket, as a starting point. This is the easiest way to make sure you get the right winter sports policy for your needs at a good price. Once you have results of your search, you only need to choose the policy which you feel is the best fit.
If you already have an annual travel insurance policy, chances are that winter sports cover is already included. Or you may have excluded it to lower the premiums. If you can’t remember, check the paperwork that was given to you when you signed up for the policy or give your insurer a call. Alternatively, it shouldn't cost much to add it.
Before taking out any winter sports insurance policy, make sure you check the small print as the level of cover may vary. Some providers may not cover you for incidents such as sky equipment failure or theft or trip cancellation. You may still decide to choose that quote but be aware of that beforehand.
The secret is to shop around, read the small print, choose wisely and work out the best deal for you.