Top 10 tips to cheapen your ski travel insurance and minimise your risk
A cheap ski travel insurance does not neccessary get you good
value ski holiday insurance. With so many different ski insurance
covers on offer it is worth shopping around for the best ski
travel insurance. Read our top 10 tips to get yourself
a cheap ski travel insurance, reduce total ski travel cost
and reduce your risk.1. One thing is for sure, given that both skiing and snowboarding come with an element of risk, you don't want to be without ski holiday insurance. Winter sports have become more accessible and ever more popular. Todays ski equipment often makes people ski and board above their abilities, causing more frequent accidents. Having one accident without adequate ski travel insurance can easily cost you as much as a cheap ski travel insurance policy for your entire life.
2. Most people are already covered for medical costs by their own health insurance, even if incurred on holiday abroad. It makes total sense to check with your medical insurance provider (private or NHS) to find out what you are covered for before you take out additional insurance. This will save you cash when taking out a ski specific travel insurance as you can be more selective on elements which require cover.
3. When choosing a policy, make sure you ski travel insurance is highly comprehensive. Ski injury bills can easily run into thousands of pounds, not taking into considerations insuries you might cause to other skiers and properties, potentially causing legal costs. Compare the different insurance providers before you take out a policy and make sure you will be covered for all your intended activities.
4. As a minimum ski travel insurance should include piste rescue, personal liability, personal accident, extra medical expenses, transfer back to your home country, air ambulance and legal expenses. Most insurances also include none accident elements such as piste closure, equipment damage and theft, missed departure, ski holiday cancellation etc. Make sure you have very good personal medical cover and you eliminte your personal liability. Other ski travel insurance elements are less important.
5. Ski travel insurance deals for entire family work out cheaper than individual cover. Same applies for couples and groups travelling together. Some providers even offer kids for free, which will cheapen the ski travel insurance costs considerably.
6. If you take a summer holiday and a ski trip per year, an annual travel insurance policy including winter sport cover should work out cheaper. Having an annual renewal of your ski travel insurance is also more convenient and you as you won't forget easily.
7. When you hire ski equipment, ski rental shops often offer you additional insurance against damage. Make sure your ski travel insurance does not already cover such damages, otherwise you are paying twice.
8. It is now common for ski resorts to offer lift passes including ski accident insurance. Again check your existing cover, otherwise you will be paying twice for the same thing. Adding it all up can make a cheap ski deal will soon become a lot more expensive.
9. Check cover for other insurances you might have. Your credit card providers, your premium bank account your homeowner’s or tenant’s insurance might already cover loss, theft, or damage to your personal belongings , even when on ski holiday abroad.
10. Both airlines and ski holiday tour operators offer you insurances during the booking process. Don't buy them as they are often overpriced, not comprehensive or covering you for things you already have. If in doubt always check other ski travel insurance providers online.
Read our top 10 tips on cheap ski car rentals.
Understand the benefits of ski transfers compared to cheap ski car rentals.
Understand the benefits of ski car rentals compared to airport transfers.
Have fun skiing, we hope you find a cheap ski travel insurance.
