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Being properly covered for the unexpected is what Winter Sports travel insurance is all about, so you can relax and enjoy your skiing or snowboarding holiday all the more. Whatever your level of expertise is on the slopes, we have a policy to cover you.
*Maximum age: Single Trip 75 (Blue & Red) and 69 years (Black); Annual Multi-trip 65 years Blue, Red and Black, For full details of the 24/7 Winter Sports travel insurance policyFor those of you about to book a skiing or snow-boarding holiday, it is essential to have specially designed winter sports travel insurance. For example, a standard travel insurance policy may not cover your own or hired ski/snowboarding equipment which means that in the event that your skis/snowboard are stolen you may be out of pocket! Also you need to ensure that the activities you are taking part in whilst on your skiing or snowboarding trip are covered by your travel insurance policy. If you have purchased a standard travel insurance policy and participate in an activity that is not covered and have an accident, you may be liable for the medical expenses bills which could run into many thousands of pounds! The 24/7 Ski travel insurance policy has been specially designed for skiing and snowboarding holidays. It offers both Single Trip and Annual Multi-trip policies with three cover options, blue, red and black, to ensure you get the right protection for the activities you are taking part in whilst on your trip. 3 Activity Packs covered by 24/7 Ski insuranceBlue - Cross Country Skiing on marked tracks, Dry Ski Slope Skiing, Ice Skating, Tobogganing. Recreational Skiing, Ski School races, Piste and off-piste Downhill Skiing (including Mono-Skiing & Telemark Skiing), Snowboarding on piste. Red –Big Foot Skiing, Cross Country Skiing on marked tracks, Dog Sledding (non-competitive with experienced local driver), Dry Ski Slope Skiing, Glacier Walking, Ice Skating, Mono Skiing, Tobogganing. Recreational Skiing, Ski School races, Snowcat-Skiing, Piste and off-piste Downhill Skiing (including Mono-Skiing & Telemark Skiing), Ski Touring using skins, Ski-doos, Snow Carting, Snow Surfing, Snowboarding on piste, Snowboarding off piste, Zorbing. Black –Big Foot Skiing, Cross Country Skiing on marked tracks, Dog Sledding (non-competitive with experienced local driver), Dry Ski Slope Skiing, Glacier Walking, Heli-skiing/boarding, Ice Skating, Mono Skiing, Tobogganing. Recreational Skiing, Ski School races, Glacier skiing, Snowcat-Skiing, Piste and off-piste Downhill Skiing (including Mono-Skiing & Telemark Skiing), Ski Biking, Ski or Snowboard race training, Ski Touring using skins, Ski-doos, Snow Carting, Snow Kiting, Snow Surfing, Snowboarding on piste, Snowboarding off piste, Parapenting, Bob Sleighing, Ski Touring, Snow Tubing, Zorbing. You can get an instant quotation and immediate cover online and if you arrange your cover as soon as you book your Winter Sports holiday you will be immediately protected should you need to cancel your trip. The 24/7 Single Trip Winter Sports travel insurance policy has been designed for individual trips, whereas if you are planning more than one trip a year, the 24/7 Annual Multi-trip Winter Sports travel insurance policy may offer better value. Top tips for buying winter sports insurance and ski insurancePolicy limits - check the policy wording to make sure the cover and policy limits are suitable for your needs. Ensure the ski insurance policy includes cover for emergency medical expenses with repatriation back to your home country and also for Cancellation which is the second largest cause of claims after medical expenses. Ski equipment - if you are taking your own make sure the policy cover is high enough. Check particularly that the single item, pair or set limit is sufficient for your needs. It is also worth remembering that the older the skis or boots are, the more the claim will be reduced - travel insurance does not typically cover 'new for old'. Hired equipment - if you are hiring skis, boots, snowboards, etc check that the policy covers equipment on hire for which you are still responsible for. If you were to lose the equipment or have it stolen you may be liable. Unattended items - check the policy wording to make sure that there is a sensible approach to losses of both ski equipment and for example valuables and jackets. Policy excesses - the cheapest policies will tend to have higher policy excesses. On the emergency medical expenses section these can sometimes be as high as £400 which will knock out most small claims and is still a lot to find for the larger claims as well. A £75 or £100 excess would be reasonable. Winter sports activities - Insurers will define what they are prepared to accept as a Winter Sports activity and those which they deem to be hazardous activities and will not cover. It is important to check that the Insurers interpretation matches your expectation. Be particularly wary of snow parks and off-piste which are often not covered. If in doubt you should check with the insurance provider. European Health Insurance Card (EHIC) - one of the important things is not to rely on the European Health Insurance Card which will only cover hospitalisation in State Hospitals which typically aren't close to the ski resorts. Also, the EHIC will not cover you for such things as cancelling your trip, loss of personal possessions and repatriation costs back to your home country. Most importantly make sure that you insure. The number of people having to make a claim on skiing and snowboarding holidays is far higher than for summer breaks and broken bones cost a lot to fix particularly in the USA and Canada and increasingly so in Europe. Get a quote and buy from 24/7 Winter Sports travel insurance. † price based on an individual aged 18-35 taking out a Ski Single Trip "Blue" policy for 3 days in the UK. | |||
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