Heading to the slopes for a winter break? Have you arranged your travel insurance?
January 31, 2019
If you’re planning a snowboard or ski holiday, it’s essential that you consider travel insurance that includes winter sports cover. As well as the usual features such as cover for cancellations, medical expenses, baggage etc, you need to make sure that your policy includes specialist cover for equipment loss/damage, piste closures and more.
When you’re taking a well-earned break to enjoy the snow, the last thing you want to worry about is whether you have the right insurance in place if something goes wrong. If you need to arrange travel insurance for your forthcoming break, take a look at the winter sports cover provided by our partners at DTW1991.
We’ve also put together a few handy tips to help you plan ahead so you can enjoy your time on the slopes.
Planning your winter holiday
Consider the kind of activities you want to take part in, such as skiing, snow-boarding, snow-mobile trips and even dog-sledding. When you’re looking at insurance policy offerings – make sure that the activities you are going to be taking part in are covered.
- If you are taking your own ski or snowboarding equipment, your travel insurance can ensure that damage to your expensive gear is covered – or provide you with replacements if it goes missing in transit.
- Generally, you will not be covered by travel insurance for any claims that arise as a result of an existing medical condition UNLESS this was disclosed to your travel insurance provider before the policy was taken out and cover was agreed. Our recommended travel insurance provider, DTW 1991 offer a medical screening line to discuss existing medical conditions before travel insurance is purchased.
- If you need to cancel your holiday, can you be compensated after you’ve made non-refundable payments? Many people now prefer to make their own travel and accommodation arrangements, rather than take a package holiday. Make sure your insurance covers you as an independent traveller and therefore protects you for each component part of your holiday.
If in doubt, you can check your travel insurance policy documents for full disclosure of what is and isn’t covered. Active winter holidays can be a wonderful experience, but there are many benefits to having peace of mind that all your activities are covered.
Stay safe and enjoy the snow
Your winter break should be all about having fun in the snow. But it’s worth remembering that aside from the obvious risk of taking a tumble on the slopes, there are a few other key things to consider:
- Have the right gear. Winter sun is a bonus when out on the slopes – but mountain weather can change in instant, so wear layers so you can adapt to the temperature as it changes throughout the day.
- Keep hydrated. At higher altitudes your body can become dehydrated quickly, so as well as that well-earned après-ski beer or glass of wine, drink plenty of water.
- Protect your eyes. Whether you prefer goggles or sports sunglasses designed for skiing, use them – snow blindness can ruin your holiday.
- As Baz Lurhmann says – wear sunscreen. The sun is stronger at higher altitudes and although it can feel cold, your skin can still burn. Lips and ears are especially vulnerable, so choose a high factor sunblock – preferably one that’s designed for winter sports as these protect against the cold and wind as well.
- Be courteous on the piste - Remember that if you’re overtaking skiers and snowboarders, it’s your responsibility to give them enough space and not cause a crash. Keep an eye out for crossed skis in the snow which can indicate an accident or injured person.
- Know your limits – if you’re a beginner, take things slowly and stick to slopes that match your ability level. Don’t feel pressured to join in with others in your group that have significantly more experience – you could end up out of your depth and at risk from injury as a result. This is a holiday – enjoy it.
- Be avalanche aware – keep up to date with weather conditions and avalanche reports. If areas of the piste are closed due to avalanche risk, then stay out. If you’re not sure where is safe to go, ask one of the local instructors.
Above all – have fun.
Further information about our recommended travel insurance can be found on our dedicated page. If you have any questions or would like to discuss your insurance requirements in more detail, please do not hesitate to contact us.