Sunday, November 30, 2008

A Look at Travel Insurance Winter Sports

By Jerremy Grey

It doesn't take very long for the mountains in many European countries to go from a pleasant green to white as the snow falls getting the resorts ready for a new season of skiing. Last season's poor snow record is already forgotten as large amounts of snow have already fallen across Europe and elsewhere.

Each year hundreds of thousands take to the slopes for the first time but unfortunately some will return home with an injury nor will it be just the first timers as the more experienced will take on new challenges as well. That is why it is essential to have the proper ski and snowboard (winter sports) to provide the necessary cover on and off the slopes and most travel insurance providers offer good cover for intermediate and beginners.

This is the vast bulk of the market and yes, accidents do happen but they are more likely to be in a controlled fashion, by that we mean on well groomed slopes, with assistance and help on hand. The problem area is when the skier or snowboarder gains in confidence and skill and wants to seek greater challenges and with it more thrills which generally means tackling ever more severe slopes but also to venture into what is loosely termed 'off piste'. This is why the travel insurance cover generally stops at this point and more specialized winter sports insurance is required to cover the more serious skier.

Skiers who require that extra element of danger need to know in advance what restrictions will be placed on them if they wish to have winter insurance cover; so they may only be covered if they stay within the local area or have a guide with them when venturing off the regular runs. As newer types of challenges have arisen like 'half pipes' as just one example; risks have increased for skiers that want to try something different.

To make sure you are properly covered for these more extreme sports activities, it is essential that winter sports insurance is obtained that offers protection to this level of activity. Whilst it is quite normal to have winter sports insurance as part of a travel insurance policy, this does not mean that every one has, so it is essential that this 'small' matter be checked before venturing on your ski or snowboard vacation.

The rising interest in winter sports has lead a number of companies to start specialist insurance packages but these also need to be checked thoroughly to ensure they cover all the activities you intend to pursue on your vacation. A winter sports insurance package will usually cover areas such as ski equipment, ski hire, even lack of services due to closure or avalanches.

Winter sports insurance packages are more likely to be required by competent to expert skiers as their risk of injury is considerably higher even with their experience and the locations they are injured in are often more remote. There is no good contemplating this information as you are being taken down the mountain on a stretcher with a broken leg so be smart and sort this out before you travel. - 15485

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