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A Look at Liablity Insurance for Youth Winter Sports

Jul 22, 2008
Once the snow starts to fall on the European mountain ranges, it doesn't take long before the thoughts of a skiing or snowboarding vacation spring to mind. This year has already seen a good fall of snow which was sorely needed after last year's poor showing.

By its very nature, skiing and snowboarding can be dangerous and that is part of the excitement and it is not uncommon for many accidents to occur each season irrespective of the experience level of the person involved. Of course, winter sports insurance packages are available although you will often find that regular travel insurance will cover most skiers or snowboarders if they fall into the novice and intermediate categories.

This is the vast bulk of the market and yes, accidents do happen but they are more likely to be in a controlled fashion, by that we mean on well groomed slopes, with assistance and help on hand. The problem area is when the skier or snowboarder gains in confidence and skill and wants to seek greater challenges and with it more thrills which generally means tackling ever more severe slopes but also to venture into what is loosely termed 'off piste'. This is why the travel insurance cover generally stops at this point and more specialized winter sports insurance is required to cover the more serious skier.

Conditions such as 'only with a guide or 'only within a specified resort area' are the norm, so when seeking that adrenaline rush it is important to know what you are getting yourself into first. It is often easy for experienced skiers to become complacent and forget they may only enjoy the slopes for a few weeks a year and when new challenges emerge they may not be quite ready for them.

To make sure you are properly covered for these more extreme sports activities, it is essential that winter sports insurance is obtained that offers protection to this level of activity. Some people have travel insurance that is included in their credit cards or bank accounts for example but these can often be cut down examples and may not include winter sports insurance as part of the package so checking this before your journey is an absolute must.

There are many companies who offer a winter sports holiday insurance policy as a standalone package but it is important to compare features during the quoting process to see exactly what you are getting for your money. These travel insurance policies include cover for loss or damage to skiing equipment whether hired or owned and can even pay out if the resort does not have any snow.

The more expert you are, the more likely you will need more specialist cover than provided by the usual high street provider as mountain rescue and medical costs are expensive and if this requires repatriation then the costs mount up rapidly. There is no good contemplating this information as you are being taken down the mountain on a stretcher with a broken leg so be smart and sort this out before you travel.
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