Cheap ski holiday insurance

Finding cheap ski holiday insurance for all the family is easy – once you know where to look. Over the years we’ve picked up a few ways we can be sure we’re getting the cover we need, without paying over the odds.

Before we share those with you, there’s one very important thing to emphasise. What we’re not doing is suggesting you scrimp on your cover. You should always buy a policy adequate for your family’s needs. What we are suggesting is that you can save money by shopping around and comparing providers.

So, with that in mind, here are our top five tips for finding cheap ski holiday insurance, which here in the UK is often sold as an optional extra on a personal travel policy.

1 Don't follow the herd
If you’re booking ski vacations as a package with a large tour operator either direct or via a high street travel agent, don’t feel pressured into buying their policy. You’ll be paying for the privilege as it is well accepted in the travel industry that this profiteering takes place.

2 Research prices
Use price comparison websites to get an idea of policy pricing, remembering to always compare like-with-like.

3 Use a specialist
Having compared prices, then search for a specialist winter sports broker or provider. We choose to buy direct and online from a specialist. It's quick, easy and perfect for our needs.

4 Buying a group policy makes financial sense
Choose a family policy. For the past few years we’ve had a policy that covers the children at no additional charge.

5 Plan ahead
Choose an annual family policy that straddles two ski seasons. One year we took out a policy in April that meant we were covered for family ski holidays the following January and March too. A simple way to make a saving with a little bit of planning.

Check the small print before you buy to be sure that the policy has all the features you need. If your family enjoy off-piste, do check that the terms and conditions as it is specifically excluded from some policies to keep costs down.

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