Things to consider when choosing your winter sports insurance
Cover for off-piste skiing is not usually included as standard, so make sure you add it in if you plan to go off-piste. Similarly, if you want to try out related activities such as tobogganing, snowmobiling, ice skating, heli-sking, using the snowpark, skiing in the wilderness without a guide or paraskiing, you will need to find a policy that will include these as additional cover.
If you own or hire expensive skiing kit, and want loss, theft or damage cover for it, you may also need to add this as an extra.
There are also sometimes age limits relating to winter sports insurance policies. Many charge more to insure people over 65, or will not insure them at all.
Furthermore, if you have any medical conditions, tell the insurer. If you fail to declare a pre-existing condition and later make a related claim, your policy will not cover you and you will have to foot the bills yourself. It might add to your insurance cost, but having to stump up an extra £50 now is better than having insurance claims rejected because of something you didn’t disclose.
As with all insurance policies, if you are unsure if anything is covered check your policy documents carefully or speak to your insurance adviser.