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Wednesday, August 29, 2018

Sports and Ski Insurance - Check the date limit - and explore these solutions

Problem
If you plan ahead, no problems. Of course, there are problems, but you will have time to sort them out, the clothes, the equipment, the travel, the accoomodation - and the insurance.
Photo courtesy of Elves Hideaway in Finland.

Why plan now? You book your holiday to go skiing, and later check the annual or short trip insurance. Why am I talking about this now? Because at the end of August in 2018 we were already discussing this year's trips, Christmas, and next year's Easter. Will we be together at Christmas, New Year and Easter? One person wants to be in Asia in the tropical weather. Another wants to book Scotland for New Year for Hogmanay. Another wants every season to be off to somewhere with snow - skiing!

Planning ahead is relevant to keen skiers, those who always plan ahead and those who don't but know from previous experience that they must to get the best deals, or indeed to get any group chalet in fully booked resorts.

My family has gone skiing all seasons. We have spent, in Europe's and America's summer, time down under in New Zealand (Queenstown) or Australia where the seasons are reversed. Then, at Christmas or Easter we were in the USA. In Asia, as a side trip from business, we were in South Korea, at a resort whose name translates as nine dragons - minus fifteen - very cold!

Restricted Days
On one occasion we found that insurance only covered seven days of skiing at Easter. But our holiday was ten days!

After a day thinking and worrying about this, we wondered if we needed to give up a day's skiing. We realised this was not necessary. When we took off the day travelling out, arriving at the resort too late to have time to get to the resort, book the poles and paraphernalia, we would not start skiing until day two. The last day was taken with travel.

We were already planning to take a day off in the middle to go sightseeing. If we went sightseeing on arrival, or postponed sightseeing until after the week's skiing, we would only need the ski pass for one week, not two. We were actually on the slopes only seven days. Saving on the ski pass, and saving on the insurance.

We told the company that although it was a ten-day holiday, we were skiing only seven days, with a five or seven-day ski pass.  They said that was fine, The ten-day insuruance would cover us for ten days including travel, of which only seven days were skiing. We had that confirmed in writing. We kept our receipts given on arrival for the week's ski hire and ski pass, just in case we ever needed evidence later that our insurance was not invalidated.

You might find a different insurance company which specialises in this type of insurance, cvoering sports, outdoor activities, skiing. How do you find one? Ask every insurance agent you speak to on the phone. Research it yourself, for example, the tour organiser of all-inclusive ski holidays, an agent, a brochure, an online website may have a ski insurance partner. Or simply google ski insurance. I've even seen travel insurance ads on the underground station and in the trains in London, England.

Happy travelling, stay safe - and insured!


Author
Angela Lansbury, travel writer and photographer, author and speaker. If you would like to hear a talk about travel, or read a book about travel, or oganise an after-dinner speech or workshop, please contact me by email or through Facebook. I have many more entertianing and useful posts about travel, such as the Elves Hideaway. Please share links to your favourite posts.

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