Seasonaire Ski Insurance
Are you off for your first ever ski season? Returning for your third or fourth time? Whatever the reason, if you need ski cover for the whole season, you'll be looking for an adequate seasonaires ski insurance policy. Luckily we have one of the best!
You've secured that job in the resort bar or even a chalet job! Of course you will also be skiing or boarding, so a seasonaire ski insurance policy is something that is now crucial. You, unlike most people, are heading for the slopes as often as the partying makes it possible!
Seasonaire ski insurance is one of those horrible essentials you can't do with out! Do not think you can get a standard annual ski travel insurance policy as most have a max clause of 90 days!
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Tips on Choosing Seasonaire Ski Insurance
Choosing the right seasonaires policy is not always the simplest job. We can help you by giving you some great tips and ideas on what to look out for - and why the policy we're recommending with SkiCover.com beats the socks off any we've seen.
If you are planning to spend an entire season in a ski resort then you will need to look at seasonaire ski insurance. This will insure that you are covered for the period of time you will be skiing in the resort, rather than the usual 1 or 2 week ski insurance policy.
Who Are Ski Seasonaires?
Aside from people who have the luxury of being able to ski an entire ski season on an extended holiday most ski seaonaires are those people who work in ski resorts. Ski resort jobs can range from the obvious ski instructor jobs to those working as chalet hosts and in the bars and clubs. Many of these jobs are sought after as they offer the chance to hit the slopes at least for some time each day. Many will even offer the perk of highly subsidised ski lift passes. Some are not the best paid but for people who want to ski more than the average one week a year they provide a great opportunity to ski every day.
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.
As a ski seasonaire do not rely sole on this for your ski insurance needs. 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 we would recommend you have both an EHIC form and ski insurance.
Why Do You Need Insurance At All?
There are really two main reasons why you should never ski without ski insurance. Firstly, 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. This is not the same as laying on a beach. Skiing and boarding are dangerous sports which can cause life threatening injuries so always insure you have the right cover.
Secondly, 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.
What To Look For In Seasonaire Ski Insurance
There are a number of key features we would recommend you look for when taking out this type of policy.
Length of Time
It is essential that the policy covers you for the time you are away. It can also be useful to be able to extend it whilst you are away. Some policies will give you this flexibility. Some will also allow you to return to the UK for one trip during the period of the cover. Do think about what your movements will be during the season. Remember many seasons in ski resorts in Europe can last from 5-6 months.
Another thing to think about is whether you will be staying in one country. You may for example be skiing or boarding in a resort that gives you access to another country. Some policies will allow you to change this during the course of the policy but others won’t, so do check this out.
What Activities Will You Be Doing?
Think about the activities you will be involved in in the resort. Are you just skiing or will you be off piste? In addition, will you be doing other sports aside from skiing? Do ensure you are covered for what you will be doing. Some policies for example do not cover you for skiing off piste or will only cover you if you are with a qualified guide.
In addition to the issue of whether you will be skiing off piste or not also consider whether you will be doing the following-bigfoot skiing, glacier skiing, mono skiing, ski racing, ski mountaineering and ski touring. Aside from the skiing do think about whether you will be dog sledding, glacier walking, ice skating, snow shoeing, speed skating, tobogganing, playing ice hockey, bobsleighing and luging. Your answer to these questions will help determine that you get the right cover.
Level of Cover
When looking at the detail of what is included in your policy, we would advise the following. Aim for at least £2m for medical expenses. This will cover you for repatriation to the UK and for getting you off the mountain should the worse happen. Look for £1m personal liability cover, this should cover you if it is deemed that you are liable for somebody else’s accident. You may want to check that your lift pass is insured as it will need to be used the whole season. In addition do check that all your equipment is covered, look at what it would cost to replace your boots, skis, board and any other equipment of value.
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.
Don’t skimp on ski insurance. It is a dangerous sport and injuries can involve costly hospital treatments and after care, so do ensure you are protected.