Click here for an expanded Top Ten tips Plus One.
Get your motor insurance wrong and you could loose your car, get your travel insurance wrong and you could loose your house
Tip 1 - Consider a policy from a specialist provider, don’t always choose the cheapest, and read the policy wording
Emergency Medical Expenses
This is the big one, why? because ski injuries are about 60% of all claims for ski insurance.
Tip 2 - Be aware that Travel Insurance is for emergency medical treatment and you should use the EHIC where possible. It is not a replacement to private health insurance.
Personal Liability
What happens if you accidently ski into someone? - you can be sued. Ski and Travel insurance will pay for the amount they sue (if successful) plus legal costs.
Tip 3 - Look for a policy that does not exclude you accidently injuring a travelling companion, many do.
Medical Conditions
What if you have a medical condition(s)
Providers have varying degrees of exclusions relating to medical conditions which exist prior to buying insurance.
Tip 4 - Don’t be frightened of telling the Insurance Company. Most of the time they will agree to cover you. If you don’t you may not be covered.
Cancellation – by you
If you can’t go, insurance will pay for your flight and accommodation and other costs.
Tip 5 - Check the amount insured (sums Insured) is enough.
Cancellation – by Airline
If your airline goes bust (you must book direct) some travel insurance polices will cover this.
Tip 6 - Check the policy you buy does, very important in the current climate.
Off Piste Skiing
There is a lot of confusion about this and many policies to do not give full off piste cover.
Tip 7- Avoid policies with an ‘Off Piste’ exclusion
Ski Racing and Competitions
Most polices to not cover any form of Racing or Competition, which would include a local village race.
Tip 8 -You won’t be allowed to enter a race without proof of insurance.
Carte Neige and EHIC
There is a misconception by some skiers that the French insurance, Carte Neige, and the EHIC (the reciprocal health agreement within the EU) is all one needs.
Tip 9 – This will only provide limited cover and the FCO advise people to take out Travel Insurance in addition.
Ski Equipment
Many polices do not cover skis left outside a restaurant at lunch time nor damage in use.
Tip 10 - This exclusion is shown in polices as ‘items left unattended or ‘left in a public place’. It is your choice whether or not to buy.
