Anyone heading off on a winter sports holiday without the correct insurance cover is taking a massive gamble, and it could backfire if they have an accident on the slopes and are landed with a medical bill for several thousand pounds.
(PRWeb UK) February 15, 2011
With February the busiest month for Brits heading off to the slopes, specialist travel insurer, Protectyourbubble.com, is warning skiers and snowboarders to make sure they have ski insurance or they could be faced with a bill of several thousand pounds in the event of an accident.
The world’s most popular winter sports destinations will see thousands of holidaymakers from the UK descending on the slopes over the next couple of weeks, leading up to the half-term break at the end of February. This means the slopes will be more crowded than at any point in the season so far, increasing the chances of accidents — so adequate ski insurance is essential.
According to the Ski Club of Great Britain, one in 100 skiers is likely to be injured during a typical five-day ski holiday, with this figure rising to 1 in 50 for snowboarders.
The average winter sports claim is around £500, according to Protect Your Bubble, but suffer an injury such as a serious leg fracture and you could be looking at a medical bill running into the thousands or tens of thousand of pounds, especially if you need to be air-lifted off the slopes and transported to a hospital.
To avoid costly bills, winter sports holidaymakers need to ensure they have travel insurance and that their travel insurance policy, whether it is single or multi-trip, has additional cover for winter sports. They also need to make sure their winter sports insurance is adequate for their trip.
Thrillseekers who plan to ski off-piste must make sure they are covered for excursions off the main pistes, and if they are covered, whether they need to be accompanied by a guide and only ski off-piste areas designated safe by the resort.
It is also important to make sure the cover does not just cover injuries to the policyholder, but also injuries to other people. This is especially important for people planning to take a ski holiday at peak times when the slopes are crowded, and also for less experienced skiers who may not be able to react as quickly on the slopes.
If someone collides on the slopes and it is deemed their fault, then they could be liable for causing an accident. In these circumstances having personal liability cover could save a lot of heartache. Lastly, families who are planning a skiing holiday during the half-term break need to ensure they have adequate cover for the whole family.
Stephen Ebbett, director of travel insurer, http://www.protectyourbubble.com, comments: “Anyone heading off on a winter sports holiday without the correct insurance cover is taking a massive gamble, and it could backfire if they have an accident on the slopes and are landed with a medical bill for several thousand pounds. It’s just not worth taking the risk, particularly as the slopes are likely to be extremely crowded over the next few weeks. If you’re properly insured, you can enjoy your winter holiday safe in the knowledge that if you do injure yourself or someone else then you are covered.”