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Be safe on the slopes
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Posted On :
Jun-26-2009
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Article Word Count :
505
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If you are heading off on a skiing holiday at some point, you will need a travel insurance policy specifically designed to protect you against the particular risks associated with winter sports.
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If you are heading off on a skiing holiday at some point, you will need a travel insurance policy specifically designed to protect you against the particular risks associated with winter sports. Whilst insurance policies for skiers are intended for emergency medical situations, mountain rescue or repatriation, they are not meant to provide catch-all health insurance. Before you go abroad therefore you should be clear that you know exactly what is covered by your own policy and what is excluded.
When you speak to your travel agent in booking your holiday they will probably offer you a ski insurance policy as part of their package. But you should bear in mind that there are insurers which specialise in winter sports insurance and which sell products on the market that may suit you better. The best way to begin is by looking online to find a good range of quotes quickly and easily.
The first thing to remember is that you are under no obligation to buy ski insurance from the travel agent you book your holiday with. Ski insurance is of course a specialist area, so it pays to shop around and to ensure you get the best possible cover for all winter sports activities, including snowboarding, heliskiing, off-piste skiing, dog-sledding and tobogganing, if you are eager to try out some of these things.
When you’re on holiday, you should do all you can to reduce the danger that you will have to make any claim. For example if you leave your skis unattended outside bars during breaks then try to exchange one of your skis with a friend as this will deter thieves because a pair of mismatched skis is practically worthless.
Many insurers now recognise off-piste skiing as part of a ski holiday and so are more inclined to allow it. But you should first always check the details of your policy to work out whether or not you will be covered if you try it without a qualified guide. In addition, if you ski in avalanche zones or areas marked as ‘out of bounds’ your policy will automatically become invalidated.
Check the small print too to see the terms for when snow conditions in your resort are poor. If the resort is near a glacier they may pay for alternative arrangements that will enable you to ski there. There are always lots of factors that may prevent you from being able to ski, such as a piste closure or your own injury or illness.
If you plan on having more than one ski holiday during any given season, it may turn out to be a lot cheaper for you to buy an annual insurance policy. This will also cut out the hassle of arranging a new insurance policy every time you go away.
By taking care to note the small details of the insurance policies offered to you, you’ll be able to make good savings and ensure you have all the cover you need.
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Article Source :
http://www.articleseen.com/Article_Be safe on the slopes _1366.aspx
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Author Resource :
Noting the small details can be made a lot easier by taking out a skiing insurance policy with etravelinsurance.co.uk, a complete winter travel insurance package for any ski holiday.
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Keywords :
travel-insurance,
Category :
Finance
:
Insurance
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