Ski holiday insurance for UK skiers

what’s included in family holiday insurance skiing cover?

You hope that you’ll never need to make a claim on your policy, but you’d be foolish to be without proper cover.

The good news is that family holiday insurance (travel) from UK insurers often includes kids at no extra charge, so it makes sense to look beyond individual policies if you like to find best value.

What do holiday insurance for skiing policies include?

An easy way to find the cheapest travel holiday insurance
If you’re a UK resident, you can insure your family for a week’s skiing in Europe for roughly £60. As with all insurance policies, it is worth shopping around making travel insurance comparisons to make sure that you find the right policy for you, at the right price.

At the very least, try to look at specialist winter sports insurance companies rather than just buying the policy promoted by your tour operator or travel agent.

By the way, if you’re a UK resident and are travelling to a European Economic Area country or Switzerland, remember to apply for a European Health Insurance Card for each member of the family. These are not a substitute for personal travel cover and do not provide specific skiing cover, but they do complement your travel policy by allowing you to access basic national healthcare in the country you’re visiting.

Main features of ski travel insurance

Accident and medical
Of course you like to think that you’ll not need emergency medical expenses, personal liability or personal accident benefits, but just imagine the cost of medical bills abroad if you were not insured.

Just the cost of being taken off the mountain, or a trip in a ambulance to hospital could run into several hundred pounds.

Possessions
You’ll also want a policy that covers your family’s baggage and ski equipment whether it’s hired or owned, in case it gets damaged or stolen. There are usually financial limits on the amounts that will be provided, so check to see if the policy is adequate before you buy.

Cancellation, baggage and legal expenses
These are the benefits you'd expect to find from a standard policy.

Do read the small print to make sure that you’re happy with the level of cover provided. Most companies will have a summary of cover so that you can see at a glance what is and isn’t included.

The difference between policies will often come down to benefit limits. You can expect a cheaper policy to have less generous benefits than one that’s more expensive.

What are the main types of policy?

2) Annual multitrip travel insurance. This works out more cost effective if you’re taking several ski holidays in a year.

Cheap European travel insurance or cheap annual worldwide travel insurance policies that include wintersports usually have a limit of the number of days you can ski, so again, check the small print to make sure the policy has the cover you need.

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