Winter Sports Insurance

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					WINTER SPORTS TRAVEL INSURANCE

As the days grow shorter and summer becomes a memory, many of us will be turning our
thoughts towards planning a winter vacation, especially one involving winter sports such
as skiing. Travel insurance is an often overlooked part of holiday planning, but if you
plan on taking part in sporting activites then it really is essential.

A normal travel insurance policy will probably not be up to the standard you need for
winter sports, and if things go wrong you could be left facing a huge bill. So what
features should you be looking for in a policy?

- Injury Cover

No matter how accomplished a skiier you are, hurtling down a mountain is always going
to be more risky than simply lying on a beach working on a tan. And if you do have an
accident, a mountainside isn't the easiest place for medical services to reach. If you're
unlucky enough to need a mountain rescue or airlift to hospital, you'll be facing a bill
running into the thousands even before you get medical attention. This sort of expense is
likely to be specifically excluded on a standard insurance policy, but will be an integral
part of almost any winter sports cover.

- Equipment

Most winter sports require expensive equipment, and where there are valuables there's
always the chance of theft. Your insurance should provide enough cover to fully replace
your equipment with brand new items if necessary, right there at the resort. Even if you
plan to hire your equipment, the hire company will probably require insurance - and your
own policy is likely to be cheaper than the standard one they'll try to sell you.

- Liability

Even the best skiiers or snowboarders can be involved in an accident in which someone
else gets injured. Whether or not an accident is your fault, you could end up being taken
to court and this is usually a long and expensive process. A decent insurance policy will
cover costs from any legal proceedings and / or compensation payments.

- Closure of Piste

If bad weather (or warm weather!) means that the pistes are closed and you can't ski, your
policy should pay you compensation to cover the costs of any pre-booked lessons or lift
fees, and many will even include a payment simply to cover the inconvenience of not
being able to ski.
- Off Piste

A final point to note is that a standard winter sports policy will probably only cover you
for accidents that occur when skiing on designated pistes. If you plan to go off-piste, then
make sure your insurance will cover this - you'll probably have to pay a supplement.

As with most kinds of insurance, paying out for travel insurance can seem like a waste of
money. However, if you find yourself caught up in an accident on the mountainside then
the costs involved can be truly frightening and you'll be glad you took the time to arrange
adequate cover in advance!

				
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posted:8/1/2012
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