XC / Cross Country Ski Insurance

Bizarrely a lot of ski insurance policies will not cover this form of skiing so you do need to check. Our specialist cross country ski insurance will cover you when you're out on the runs so you don't have to worry about anything,

As well as cross country skiing our partners on SkiInsurance.com can cover all your essential ski travel insurance needs leaving you to get on and enjoy the skiing or boarding. Why not choose this cross country ski insurance as an additional add on to your policy? 

Get Quote for Cross Country Ski Insurance :

 

 

Tips on Choosing Your XC Ski Insurance

With so much choice out there, what should you be ensuring you have with your insurance policy?

Cross Country Skiing

There are a number of different styles of cross country skiing but the one you will be most familiar with is the ‘classic’ style where you glide in prepared tracks. There is also the ‘skate’ technique, the speedier version where you are moving in a similar way to ice skating or rollerblading. It is a physically demanding sport so injuries can occur.

Common injuries include injuries to the knees, forearm, wrist, hand, thumb and ankle. Most insurers may not view it as high risk as other winter sports like bobsleigh for example but they will see it as hugely physically demanding on the body. As such do not assume that a normal ski insurance cover will cover you. With most insurance policies you will need to declare cross country skiing as a separate activity to be covered.

Ski Insurance

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 let alone a holiday involving bobsleighs. 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 as is cross country skiing, you could endure life threatening injuries, so always make sure you take out specialist ski insurance.

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

Additional Considerations For Cross Country Skiing

Whether you are going to try out cross country skiing for the first time as part of your ski holiday or you are going on a specialised cross country ski holiday there are a number of points to bear in mind when buying insurance.

Safety Issues That Could Invalidate A Claim

Insurers will be aware that cross country skiing is very physically demanding. Many will therefore say that you must wear the correct clothing and safety gear e.g. a helmet. Some also say that your skis and poles must be ‘well maintained’. Do read the samllprint here as failure to do so could invalidate your claim.

Compare the Prices of Specialist Providers

The growing popularity of cross country skiing has seen a number of providers emerging who specialise in cross country skiing. Do check them out as they will well understand what you need to cover.

Follow the Rules

Many insurance companies will also say that you cannot cross country ski on your own, you must be with at least three other adults and you must have a communication device with you. Again, failure to follow these rules could invalidate your policy.

Cover Required

Do look for cover that gives you up to £10m for cross country ski accidents, personal liability up to £1m if you can get it and 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 poles.

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.