Single Trip Ski Travel Insurance
Single trip ski insurance is just that. This type of insurance policy covers you for a single ski or snowboard holiday up to a maximum number of days. That number is usually 7 or 10 - so perfect for a week away.
Please don't think you can buy a single trip policy that will cover you for 3 weekend ski breaks because it is less than the number of days you're allowed on your cover. Single Trip means just that - one journey from the UK. The policy will then cover you for up to the max number of days as stated in the cover note.
You will have to decide on where you are going, who's going to be covered and then for how long - see the other single trip options below the quote form.
Quick Quote for Single Trip Insurance :
Single Trip Ski Insurance
If you're only going once this year,just get a single cover policy
So whether you need European cover, worldwide cover that excludes North America or worldwide cover that includes USA and Canada, you can ensure the policy covers ski equipment, lost money, delayed flights or lost baggage as well as your personal cover and liability.
Tips on Buying the Right Single Trip Policy
Sounds simple, but there's always something you may miss if you are not careful and do not check the policy carefully.
If you are planning one ski holiday this year then you will probably be looking for single trip ski insurance. But what do you need to look out for when buying ski insurance?
Why Have Ski Holiday 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 Single Trip Ski Insurance?
If you are travelling on one particular ski holiday then single trip cover should be fine for you. It is exactly as the title suggests, a winter sports cover for one holiday. So if you do take this out you need to be clear if there is a possibility that you may go skiing again in the season. This policy will cover you for an exact number of days whilst you are away. If you think you may be skiing again in the season then it will be more cost effective to take out an annual policy.
Single cover also tends to be quoted on a per person basis so it can be good for single people travelling or for couples. If you are a family going on a ski holiday, check out a family cover insurance policy. Likewise of you are a group going away also look for group cover.
What Does Single Trip Insurance Include?
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 Single Trip Ski Insurance.
When you are looking at a single policy don’t just look at the cost of it. It is essential that you get the cover you need. The following should help you decide.
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 as if this is your only ski trip you want to get money back if it is cancelled. 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.
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.