We're All Going On A Winter Holiday by Finance News Bulletin

Published: 07/12/07

For adventurers and novices alike, winter is the perfect time to get away and enjoy the snow But whether it is a customary ski holiday or a more specialised winter sport that tickles your fancy, it's vital to take out the right travel insurance before you creep off to the slopesRecent investigate by esure found that one in four Brits ski without journey insurance, with a similar number (27%) falsely believing that all travel insurance policies wrap ski holidays as standardAnd even though one in seven of us end up seeking medical mind during our skiing holiday, a quarter of Brits will take to the pistes with no journey insurance at all

The first step is to make sure you have a European Health cover Card (EHIC) This entitles you to free or subsidised medical costs in any European financial Area (EEA) state or SwitzerlandYou can apply online, over the telephone (0845 606 2030) or at the Post place of work However, the EHIC only covers basic medical expenses, and won't pay for extras such as repatriation costs or an air ambulance

With repatriation costs ranging from around £4,000 in Europe to £35,000 in places similar to America, it's always wise to take out private medical insurance to wrap you where the EHIC won'tHowever, in some cases, even when you think you are covered through an existing travel insurance policy (such as the wrap included with your store account or your annual policy), when it comes to winter sports education, there are a whole new variety of factors you must considerTedious as it may be, you must also create sure you read the small print, as there are often restrictions for activities such as off-piste skiing Check with your insurer before booking activities such as para-skiing, ski-jumping and bobsleighing, as well as whether your ski equipment together owned and hired) is insured for loss or damage

Some insurers are willing to wrap you for extreme winter sports behavior if you pay an additional premium, but this will excludes cover for personal mishap or personal liability So you will be covered for minor accidents (such as contravention an arm) or typical festival mishaps (such as festival cancellation or losing your skis), but if you expire or incur a serious injury (such as loss of a member or damage someone else while participating in these winter sports, you will not be insured For this reason, it is vital that you check with your insurer what exactly you are covered forAlso check if you're covered for rejection snow' conditions or piste end

With last year's winter season producing very little snow for near the beginning skiers, many were left unable to ski due to slopes being too grassy Researching recompense limits for scenarios such as these is well value the timeReally avid Fools should check out igluskicom which provides snowstorm level reports that will give you an idea of whether you may require extra cover or not

Snow depths of less than 20 cm should put the alarm bells ringingFinally, make sure you take your cover documents with you -- and in the event of an accident, contact your insurer right away When making a maintain, it's important you keep all your receipts as evidence Having these particulars with you is particularly crucial when taking part in senior risk activities

© Copyright 1998-2007, The Motley trick Limited All rights reserved This material is for personal use onlyput of Reg: England & Wales

Company Reg No: 3736872 VAT Reg No: 735 7818 01 Registered

Visit original article: