Annual Multi Trip Ski Insurance

It's not the most glamorous part of the holiday, multi-trip ski insurance allows you to go skiing or snowboarding on multiple breaks with a limit of up to 90 days per year. That means a lot of weekends and a few weeks thrown in! 

Finding the right annual multi-trip ski travel insurance policy will be important as different inclusions and exclusions will apply depending on the insurer. From a family quote through to an individual policy that covers you worldwide including North America, this travel insurance could save you thousands if you do have an injury.

 

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Things To Consider

Tips on Choosing the Right Multi-Trip Cover

If you think it likely you'll take a number of ski trips over a 12 month period, then not only are we envious, but you may also want to look at an annual policy rather than taking out lots of single trip policies. Here we explore what an annual policy involves and what to look for when purchasing one.

Why Have Insurance At All?

It is staggering to learn that many Brits go skiing without taking out special winter sports cover. Many simply rely on their EHIC card and normal travel insurance.

EHIC is the European Health Insurance Card. It used to be called the E111 and is a reciprocal health agreement between European countries including Switzerland. This gives you access to state provided healthcare during a temporary stay in another European economic area. You can apply for EHIC through the EHIC online application form, this is free of charge, so do beware as unofficial websites will try and charge you.

You cannot however rely solely on this for a ski holiday. The reason for this is that EHIC will not cover many of the things you may need should you have an accident on the slopes. So for example mountain rescue is not covered, nor is being flown back to the UK. Lost or stolen property is also not included. So for anyone skiing, EHIC alone may not cover you.

A normal travel insurance policy will also not cover you for a ski holiday. If you are unlucky enough to hurt yourself then those injuries can be quite serious. You may break a bone and need to be airlifted off the slopes which can run into thousands of pounds. Or you could cause a serious accident to another skier or boarder and be liable for their costs. Skiing and boarding are dangerous sports which can cause life threatening injuries, so always make sure you take out specialist ski insurance.

Another consideration is your equipment. The equipment you use for skiing and boarding is expensive. If someone steals your board or skis then that could set you back thousands of pounds. This may not be covered under most general travel insurance policies.

What Is Annual Multi Trip Ski Insurance?

With an annual trip ski policy you are covered for a number of ski trips within a 12 month period. This is a good idea if you are either a single person or a couple and you are looking to take more than three ski holidays over a year. An annual policy can work out more expensive than other insurance policies so it is essential that you can predict the ski holidays you will be taking to make it cost effective.

What Does An Annual Policy Cover?

When you look for quotes you will see a range of things covered including injury and illness, holiday cancellation, public liability, repatriation and loss of equipment. Another aspect that many people find useful is also to find a company that offers a 24 hour manned emergency phone line. If you are away and need to speak to an adviser this can be very helpful.

What To Look For When Buying Annual Trip Cover?

It is always good to compare different policies, don’t just go for the cheapest policy, do consider the following when you are purchasing an annual policy.

Level of Cover Required

Look for medical cover that is at least £2million , personal liability should be around £1million so you are covered should you be deemed to be responsible for someone else’s accident. Also check out cancellation cover. Also ensure that the value of your equipment is covered should you lose your skis or board.

A final tip is to really check the small print of any policy. What looks cheap may for example come with a high excess making a claim not cost effective. For example some cheaper policies set excess levels at £200, lose your gloves and the policy isn’t really worth it.

Days You Can Travel

Do be clear about the days you will be holidaying for. Most annual policies will limit you to 31 days of consecutive travel per trip. The number of trips per year are often unlimited as long as you return within the number of days specified. So if you are planning to stay for longer this type of insurance may not be suitable.

Pre-Existing Medical Conditions

If you are undergoing tests for a medical condition do also be careful here. You may have results that could not affect you now but could affect a trip taken later in the year. In this case a single trip cover could be a better option.

Be Clear About What You Will Be Doing On Holiday

When you take out ski insurance you will be asked for the activities you will be doling on holiday. Do not presume that off piste is covered, you will need to declare this if you plan to ski off piste. Likewise be clear if there are any other activities that an insurer would deem to be a risk including heli skiing or cat skiing.

Are You Skiing In More Than One Country?

You will need to declare where you are skiing but that resort may border two countries. If this is the case and you think there may be a chance that you will ski over borders do check your insurance policy.