Leaving for a winter vacation with the aim of skiing typically means an expensive ski or snowboard insurance policy. The expense of ski insurance policies is due to two reasons: high risk of injury and expensive equipment. Not all ski insurance is so expensive, here are some guidelines on how to get cheap ski insurance.
Ski Insurance Basics
Ski insurance is coverage to protect you from the expense associated with injuries and accidents that can occur while you are on a skiing trip. It generally covers :
- Skull injuries.
- Arm fractures and gashes.
- Knee smash.
- Rescue operation.
- Ski lift accidents.
Other Things Covered In Ski Insurance
Ensure that your travel insurance policy includes coverage for your equipment as well as personal injury. Skiing equipment is not cheap and can be misplaced, stolen or lost. It is critical that you ask your insurer to include coverage for skiing equipment in your policy. Some personal belongings are also covered in a ski insurance policy so make certain that they are included in your policy. Personal belongings that are usually covered include: digital camera, jewelry and cash. Other personal effects such as laptops and mobile phones have separate coverage and you will have to pay extra money for it if you include it in your policy.
Cheap Ski Insurance Suggestions
- Try other options : If you have booked your ski travel holiday with a travel agent, they are likely to offer you the option of buying ski insurance from them. You will likely purchase the policy from them in order to save yourself the hassle of finding other economical options. I you are able to take some time out from your schedule you should shop around as you will discover cost effective ski insurance deals.
- Go for solo travel insurers : Another suggestion is to check out solo/independent travel insurance brokers. Many ski insurance brokers have professional affiliations and will not rip off their clients. They specialize in different types of travel insurance, often have better premium deals and provide cover for a lot more liabilities.
- Online ski insurance : Search the internet for online ski insurance firms and quotes. The best part of such companies is that their application process is simple and fast. You also do not have the sales person pressurizing you to buy a policy from the company.
- Bargain for low cost premiums : A useful recommendation is to shortlist at least three ski insurance providers that you want to purchase from. Once you shortlist the insurers, negotiate with them for lower premiums. Quite often, they will accommodate your requests.
- Opt for beginners ski coverage : For beginners, the chances of injury is less as skiing instructors are well trained, the terrain is gentle and smooth. The risks are definitely lower and premiums will be less. For extreme skiers, the risk level is higher because they ski steep and rough terrain, thus their injury level is very high and their premium cost is quite expensive.
- Ask for other discounts : Some travel insurance firms provide heavily discounted insurance for people below the age of 18 years. Ski insurers, such as Insure and Go, offer free discounts for up to 3 kids. Discounts are offered for regular skiers as well.
- Buy yearly ski insurance : If you are a keen skier and intend on traveling for frequent skiing trips during the year, it makes sense to buy a twelve month policy which is much less expensive. It will save you the time and hassle of taking out a separate policy for each of your skiing trips.
|
