- A specialist winter sports policy that could cover the cost of getting injured on the slopes and compensate you should bad weather or other factors close the piste
- The right level of cover is important if you need to be rescued, require medical treatment or repatriation home
- As well as covering you, a ski travel policy can provide protection for your equipment and luggage
Did you know? 70% of winter sports travellers don't always wear a helmet when skiing or snowboarding and 38% admit that they don't take out travel insurance before they go! (GOV.UK, 2012).
What's the difference between piste and off-piste? On piste is a regular marked route or slope, whereas off-piste refers to the area which is not marked as an official route in a ski resort (the snow is usually deeper and hasn't been groomed).
A European Health Insurance Card (EHIC) could come in handy if you're skiing or travelling in the EU, as it could provide you with emergency healthcare. However, it will not pay for transportation, repatriation back to the UK and it does not cover long-term treatment.
- Piste closures cover means that you may be compensated if the slope is closed due to lack of snow or bad weather conditions (some insurers offer it but check the small print before buying)
- Some policies offer off-piste cover that may require you to be accompanied by a qualified guide (check if your policy covers this)
- Loss, theft or damage of your winter sports equipment
You could also be covered with the standard policy benefits:
- Medical treatment if you're injured while skiing or snowboarding on the slopes
- Hospital transportation and repatriation if you're injured or seriously ill while on holiday
- Cancellations if you are forced to cut your holiday short or cancel due to extreme weather conditions
- Baggage and personal possessions such as your documents, money and electronic gadgets could be covered against loss, theft or damage
- Make sure you read policy terms and conditions before purchasing. In particular, check any policy excess and exclusions so you know what you're covered for.
- If you or your travel party have a pre-existing medical condition like asthma or diabetes, make sure you fill in the appropriate information when making a quote or contact your insurer if you have any questions regarding the policy.
- Make sure you research your ski destination prior to travelling; check weather reports and visit GOV.UK's FCO website for local travel advice.
- If your skiing equipment gets damaged or if you're hospitalised, make sure you or someone on your behalf contacts your insurer within 24 hours.
- Sampling the local vino whilst on the slopes is not recommended as drink and drug related incidents could affect the validity of your insurance claim and as a result you might have to pay thousands in medical expenses if you're injured. GOV.UK cover this in their article 'don't let your ski trip go downhill'.
The sooner you get your ski trip covered, the quicker you can pack your bags and get excited about your trip. Compare our best winter sports insurance policies in minutes!
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