What to look for in a ski insurance policy

2 min Read Published: 17 Dec 2013

skierSki injuries are on the rise and can involve costly medical bills but alarmingly 75% of skiers have inadequate insurance according to research. If you also take into account that 4 out of 10 regular winter sports enthusiasts have had an accident then you can see why ski insurance is so important.

Why skiers need travel insurance

A good travel insurance policy can cover up to £2m worth of medical expenses, will meet the cost of repatriation to the UK if required along with a variety of other needs that may arise in an emergency. For example you would be covered for personal liability in the event you caused injury to another person or damage to their property.

So what should you look for in a travel insurance policy

Firstly read my guide Seventeen tips to ensure you have the best travel insurance policy One important thing to note is that your travel insurance needs to include winter sports cover, which is usually an add-on.

Here is a list of other things to check when taking out a new travel insurance policy or reviewing an existing policy:

  • Does the policy cover winter sports and in particular the type of sports in which you will engage, also check if there are any caveats. For example, Essential Travel says that customers skiing without wearing suitable head protection will contravene the terms of their insurance policy if they have an accident
  • Is there a limit to the number of days skiing which are covered
  • Is the full value of your equipment covered for theft and accidental damage
  • Some policies might exclude accidents as a result of alcohol consumption
  • Does the policy payout in the event that the pistes are closed

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