Travel insurance Updated:
Skiers and snowboarders soon to be jetting off to enjoy a winter holiday have been warned against taking to the slopes without adequate travel insurance.
It is estimated that up to one million Brits will play financial Russian Roulette by indulging in their downhill pastimes without the insurance that they need.
According to AXA Insurance, one in ten of those who jet off to enjoy winter pursuits will do so without travel insurance, leaving themselves exposed to costs running to tens, if not hundreds, of thousands of pounds if the worst should happen.
A further one in four people will place their faith on an annual travel policy, yet only half of these will actually check to see if it covers them for winter sports.
The figures are of particular concern given that around one in three skiers and snowboarders are likely to have to make an injury related claim at some point in their lives.
The costs of treating such mishaps can quickly escalate – according to the insurer, evacuation from the slopes, an operation and an air ambulance home from Austria could set someone back £25K, while the potential expense facing those on holiday in America and Canada will be even higher.
In addition to personal medical claims, ski insurance also provides cover for injury caused to others.
While thankfully being uncommon, these claims can reach hundreds of thousands of pounds, and would be something a holidaymaker could be personally liable for without the relevant cover.
Besides the medical aspect of the travel cover, a good insurance policy will also provide cover for the loss or damage to expensive equipment, reimbursement for closed pistes, and also more run of the mill eventualities such as cancellation or lost baggage.
With the economic climate seeing most people deciding to rein in their spending, the insurer voiced concern that some will look to take a few shortcuts to reduce the cost of their holidays too.
"Obviously money is tight for many people at the moment and holidays are expensive," said Amanda Edwards from AXA travel insurance. "But to cut insurance out is a false economy.Dealing with an injury is stressful enough but having no insurance could mean the damage lasts until long after the plaster cast has been removed.
"Around £50 to cover a family of four for a week's skiing in France is not much more than the price of lunch on the slopes."
Disclaimer: Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time.
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