Travel insurance is always important, no matter where you travel, as the unexpected disasters that strike can ruin your holiday and your finances if you don’t have adequate protection. Unfortunately not everybody takes travel insurance, instead placing their hopes firmly in the ‘everything will be OK’ corner, and a lot of the time, thankfully, everything will be OK. If you are a skier, however, travel insurance – or more specifically, ski insurance – is an absolute necessity.
Ski insurance is different to travel insurance
If you’re heading to the slopes over the winter months then you need to add insurance to your ‘to do’ list. Ski insurance differs from travel insurance in a number of ways (this is why many travel insurance policies specifically exclude ski trips). First, there is obviously more risk of injury on a sporting holiday than on a beach holiday or a city break.
Secondly, the cost of ski and snowboard equipment is expensive and therefore tempting to thieves. The best ski insurance should cover the cost of replacing all equipment from skis and snowboards to shoes, gloves and goggles.
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Although there are numerous companies who specialise in ski insurance, such as Ski Insurance, Fogg Insure and Columbus Direct, the traditional travel insurance companies like Axa and Barclays will also have specific policies for winter sports.
At the time of writing, the best value comprehensive cover is with Flexicover Direct who will insure you for medical costs, possible repatriation and cover your equipment. Prices vary depending on length of holiday and location but they are currently offering a 10% online discount.
If you are looking for budget cover (which may not cover everything) then you should look at Essential Travel who will insure a week’s break for just £15.83 or Direct Travel. Before you take a ski insurance policy you should be aware that a report written in late 2011 claimed that roughly three quarters of skiers don’t have adequate insurance cover.
If you are a first time skier, it is wise to take the most comprehensive insurance available but as you become more experienced you will be able to tailor it to suit your needs.