Are you planning a winter holiday that includes skiing or snowboarding? If so, you may already be considering travel insurance that includes winter sports cover, but what should it cover? And how do you decide which cover is right for you? Read on to find out more in our winter sports insurance guide.
Which activities come under winter sports?
The first step is to determine which activities fall under the definition of winter sports and are therefore eligible for special winter sports insurance coverage. For example, your winter sports insurance could cover activities such as: skiing, tobogganing, snowboarding, dog-sledging, ice fishing, ice climbing, ice hockey, etc.
Before cancelling your policy, it’s a good idea to review the terms and conditions to make sure you’re covered for your activity. You may also need to adhere to certain conditions, such as ice climbing height, to make sure your policy is valid.
Why should you take winter sports insurance?
If you are involved in any of these activities, then you will definitely need winter sports insurance. This is because winter sports are considered a high-risk activity, meaning you may be at risk of injuries and accidents that require additional medical treatment not covered by regular travel insurance. Winter sports insurance cover may also cover specialised or costly equipment that may not be included in a standard policy.
What can you expect from the policy?
First and foremost, your winter sports insurance will provide you with the same coverage as a typical travel insurance policy. This means that you can count on basic medical care, cancellations, delays in travel plans, damaged, or lost and stolen property.
What is not covered in it?
Any insurance policy will come with restrictions. The restrictions will vary depending on the type of insurance policy and insurer you choose. However, as a general rule, the following will not be covered by your winter sports insurance policy:
- If you don’t wear the right equipment and get hurt, your policy will not cover it.
- If you leave your belongings unattended in public.
- You won’t get cover if you lose a loss or cause an injury to yourself or others after using alcohol or drugs.
- A standard winter sports insurance policy will not cover you for activities such as competitive winter sports or more unusual activities such as glacier climbing.
When should you take out your policy?
Winter sports travel insurance can be taken out as soon as you book your holiday, so there’s never been a better time to get winter sports cover. This means that if you need to cancel before your trip, you can take out a claim and you won’t have to worry about running out of money.
With comprehensive winter sports travel insurance, you’ll be able to claim for early cancellation because of an injury, illness or bereavement or redundancy. This means you’ll have extra peace of mind if you book your holiday early.
Quote Sports Insurance has unique packages to offer enthusiastic sports persons. So, go ahead and pursue your winter sports dreams without fear. For more information click here.