Getting ski insurance is boring! But do it properly and you’ll get peace of mind and could save piles of money if things do go wrong on your ski holiday. We asked specialist comparison website PayingTooMuch.com for their top tips on booking insurance.
1: Check the insurer’s definition of ‘ski equipment’.
When purchasing winter sports insurance, check the insurer’s definition of ‘ski equipment’ in the terms and conditions. Commonly, this will only include skis, snowboards, bindings, boots and poles. Many snow-seekers may not realise they aren’t covered for loss, damage or theft of other expensive items, including ski clothing and accessories such as helmets, goggles and gloves. So if you’ve forked out for expensive winter sports clothing or are even borrowing from a friend, it pays to check this clause.
2: Make sure the policy covers you for winter sports activities.
While it may sound obvious, don’t just head off to the snow hoping your annual travel insurance policy will have your back. Make sure the policy covers you for any winter sports activities you may do, as these will not be covered on standard travel insurance policies.
3: Check the total number of days the winter sports policy covers you for.
Before deciding on the right policy for you, double check how many days the winter sports policy will cover you for. It’s not uncommon for insurers to limit travellers to just 17 days of winter sports cover per year, so if you’re planning on playing on the slopes for the whole season or going twice in one year, make sure your policy covers you for this.
4: Wear a helmet or beware.
When skiing or snowboarding, always adhere to your insurer’s guidelines in case you need to make a claim. For example, most insurers insist you wear a helmet during winter sports activities. Failure to do so in the event of a claim, could see your policy fail to pay out.