RSS FeedSkiing Tips : Ski Insurance
In this part of our learn to ski guide we look at insurance policies.
If you're one of the third of skiers who don't take out insurance when you go skiing, you risk being landed with thousands of dollars of medical and rescue bills in the case of any accidents occurring.
Unanticipated costs during a ski trip can include things like equipment that's broken or stolen, piste closure, a lost or stolen suitcase, and the biggies like personal liability and repatriation/restoration costs for accidents where you may be at fault.
Therefore, it's highly advisable to arrange insurance before embarking on your skiing holiday. There's a huge range of policies to choose from though, so how do you choose between them?
First, think about the kind of skier you are. Even the cheapest policies of insurance can cover those folks who are at a beginning or inexperienced level, and who plan to stick to the piste. Such policy prices start at approximately $30 and can be bought direct from the travel agent you book your holiday with or even from some supermarkets.
More advanced skiers who will be doing off-piste, heli-skiing or cat-skiing will need policies that cover those activities. Premiums can be significantly more expensive in line with the increased risk or danger and you should expect to have to use a specialist insurance provider to be fully covered.
The next step is to consider the amount of coverage you will need. Often policies will have different bands of cover, even if the activities covered don't change. For example $1,000,000 medical expenses on a premium policy or $250,000 for a basic policy. Excess payments on any claims made can end up being a considerable amount of money if you go with a less expensive policy, so that is something to which you should pay attention.
Whichever type of policy and level of coverage you do go for, be sure to buy your insurance in advance of your holiday, or it will be invalid. Auditors always...