Under one in five (19%) annual travel insurance policies covers winter sports as standard, while only one in 10 (12%) single trip policies provides coverage on the slopes.
The research, carried out by financial database Defaqto, also found that there’s a variation in what winter sports policies cover. For example, three in ten (29%) single trip policies which offer winter sports cover either as standard or as an optional extra do not cover lost ski passes, while only half (50%) of policies offer compensation of £10 to £20 per day for piste closures caused by a lack of or too much snow.
The more advanced and adventurous skiers and boarders also need to be aware what their policy allows when going off-piste. Of the 845 single trip insurance policies that offer winter sports policies on some basis, Defaqto found that 111 (13%) do not cover off-piste skiing.
Meanwhile, despite the majority (85%) of policies now allowing ‘restricted’ off-piste skiing, often travel insurance providers require a professional guide to accompany the policyholder or limit the areas they can ski in, in a resort.
Brian Brown, head of insight at Defaqto, comments: “Skiing holidays are growing in popularity thanks to the boom in cheap flights going to the continent. However, winter sports holidays can be much riskier than a standard beach holiday as you are more likely to get a serious injury or damage expensive ski equipment. If you are planning a winter sports break, it’s vital you check your insurance covers you for this just in case the worst happens.”
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