When you travel to snowcapped mountains to snowboard or ski, winter sports trips often have an increased chance of accidents, so it is very important to secure adequate skiing insurance to ensure you are fully protected. Here, we take a look at how you could claim for your ski insurance, reveal why you may have to claim for a winter sports trip and show how to get the best cover using brand new star rated quotes from over 250 insurers.
Type of Skiing
The amount of ski insurance you require can depend largely on the type of skiing you plan to do and whether you are a novice or a seasoned professional. To help you choose the best policy for yourself, here’s how to compare the different types of insurance you can purchase online.
Firstly, check to see if the ski insurance policy provides for both your skiing and accommodation. Many policies only cover ski travel whilst there is ski travel insurance available, which is more suited to experienced skiers who are taking up a sport as a hobby. However, if you plan on going on more than one skiing holiday then this should be included in your policy.
The next step you’ll need to take is to decide how much ski insurance you’ll need. For example, there are many types of ski insurance policies which provide you with a basic level of cover which can be cheaper than those that include additional perks such as trip cancellation insurance and overnight travel. This is useful if you want to make the most of your trip and want to ensure you get the very best value for money by including all the extras you need.
To find the cheapest policies you should use specialist insurance companies, as these will often offer better rates and discounts than other companies. These companies often provide lower quotes compared with what you would get on the high street because they are able to offer discounts to customers who have a certain amount of insurance. You will also probably find that these types of companies are well known and have a good reputation which means that if you have an accident you can rely on their services for a quick response.
Specialist insurance companies often offer additional perks such as ski insurance packages. These will usually provide cover a wide range of items such as third party fire and theft protection and accidental death insurance, to name just a few. It is essential to consider what these extras would cost if you were to incur an accident, and what they might cover if you were to meet with an accident while out on your ski holidays. However, if you don’t mind having to pay extra for these extras then it may not be worth the cost.
The cost of ski insurance should also be taken into account when calculating the cost of skiing. For example, a high quality ski insurance package will normally provide a low initial premium for the same level of cover, but this will reduce over time to reflect the fact that you have been using the policy more. This is because you will need more skiing in order to cover a higher number of days on the slopes. If you do pay for more skiing cover over time, then you may even save money.
As well as comparing quotes for insurance, you should also take a look at what types of skiing you plan to do. Whilst some insurance packages cover more skiable activities, others cover more extreme sports like skydiving and snowboarding, so you should think carefully about which you want to do and the extent of coverage you require.