After analysing the snowfall, quality of mountain runs and apres-ski vibes to choose your ideal spot to strap on your skis this winter, it’s time to consider which winter sports travel insurance is best suited to keep you safe as you reach new altitudes.
Whether resorts without snow, slips causing broken bones, and unpredictable avalanches, plenty can go wrong on the pistes and it’s always best to travel prepared.
In the event a ski pole slips through a cable car into the abyss – an not unlikely affair with small children – pistes are closed or lift passes are misplaced, having the right insurance to hire replacement equipment and receive financial compensation to tackle cancellations and medical costs is the key to smooth skiing.
Here are the best providers with which to purchase your winter sports travel insurance policies, allowing you to protect yourself before this season’s ski holiday.
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Lack of snow, broken bones and avalanches can wreak havoc on a skiing holiday
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FAQs
Do I need insurance for a ski holiday?
Yes – many standard travel insurance policies will not allow you to claim for accidents while taking part in winter sports if you have not taken out specific cover for medical expenses, equipment and piste closures before your ski holiday.
Will I be insured if I ski off-piste?
Several winter sports insurance providers cover off-piste skiing provided you are with a qualified guide and remain on recognised runs – check with your provider to see if off-piste skiing is inclueded in your policy.
Should I get an annual or one-trip policy?
Annual policies tend to provide 21-31 days of winter sports cover, which might work best for avid skiers hitting the slopes every season, whereas a one-trip winter sports extension policy could be better suited to cover a one-off week on the pistes.
Will I be insured if I ski while drunk?
No. You risk your insurance cover being invalid if you injure yourself, your equipment or others while skiing intoxicated with impaired judgement and reaction times or you are not wearing a helmet.
Apres-ski often means cutting loose while still in your ski boots
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NFU Mutual
Ski equipment cover: £500
Piste closures: £500
Medical expenses: £5 million
Lost lift pass: £500
NFU Mutual offers winter sports cover for you and your equipment for up to 30 days as an…
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