Ski Insurance

We’re sure you are all aware of Travel Insurance, however you might not know too much about Ski Insurance. Firstly please don’t gloss over this subject and say ‘I’m sure we are covered by our credit card’. This might be true as some credit cards do provide ski insurance, but please do check!
Ok what to look for. If you have travel insurance already (like an annual policy) make sure it says it covers Skiing and the correct location in the world (normally they ask either skiing in Europe or USA).

If you are a good skier and go off-piste then you need to check a little more careful. It has to say it covers off-piste and not just skiing. If it just says skiing then it normally means that you need to stay on the pistes. For an off-piste policy you want to look for around £5 million cover or more. A common wording on this is the policy will cover you off-piste with a guide (Mountain guide not a tour operator guide). If this is the case you are not covered if you go off on your own (which isn’t wise anyway, but we mean off with friends and not with a mountain guide).

Whilst you are looking at the insurance try and get a good cover for lost property. We have seen it happen many times when the airline miss-lays ski bags and you don’t have any clothes to wear. Most companies cover this but remember ski clothing is quite expensive especially in the resort. Try to add up a ‘must have’ clothing so you can still ski whilst waiting for your bags to arrive the next day. If you spread your clothing over several bags there is less chance you can’t ski.

Some insurance companies reduce prices if you use a helmet (which SkiGB recommend you do anyway!).

If you are unsure call your insurance company and ask.

If you are going skiing for the whole season try Essential Travel below as they offer insurance for seasonaires.

Some of the most popular companies are listed here: