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Archive for the ‘Wintersports’ Category

Why take the risk? Get covered for wintersports.

Wednesday, December 7th, 2011

As British holidaymakers prepare to head for the slopes in 2012, Foreign Office figures reveal that almost a third of people in the UK admit to not taking out travel insurance for their winter sports holidays. In addition, less than one in five people (16%) say they always read the small print of their travel insurance policy before going skiing. The Foreign Office regularly issues warnings to skiers and snowboarders that they risk huge medical bills if they don’t properly cover themselves by taking out travel insurance.  Their data highlights the average cost in Andorra for a leg injury and repatriation to be £6500 rising to a whopping £28,000 for the same injury in Canada.

Everyone appreciates the thrills of Wintersports but not everyone appreciates the dangers that are associated with it. The Ski Club of Great Britain has reported in the past that more than half of British skiers take to the slopes without a ski helmet, despite the risks of sustaining a serious head injury. Head injuries account for almost a quarter of all ski injuries sustained on the slopes. Research in Canada and Sweden has also found that snowboarders are up to four times more likely to have an accident on the slopes than skiers, while men are more likely to get injured than women.

Alarm bells should be ringing here, not just against the rise in the accident rate on the slopes but also that a high number of people are still going abroad without any travel insurance. Whether this is just forgetfulness or a desire to live dangerously, it is shows that many people view travel insurance as an extra expense which can be added or deleted depending on the holiday budget.

But with price of travel insurance premiums, particularly on the internet, being relatively cheap – you can find a week’s Winter Sports cover to Europe for under £10, it does seem to be an unnecessary risk to take. It is not necessary to pay through the nose these days and if you are prepared to surf the net then there some excellent deals to be had.

This article is provided by Travelandinsure.com – specialist in ethical travel insurance.

Going skiing – get the right travel insurance cover

Thursday, November 17th, 2011

The leaves may still be on the trees (just) but some snow has fallen in the Alps. Yes, the start of the new ski season is just around the corner and, after the better than average snow conditions over the last two years, we can only hope that the shortage of snow so far is only a temporary blip and the that this season will be another to remember. But will it be for the right reasons?

Each year thousands take to the slopes for the first time but some, unfortunately, will return with an injury. And it’s not just first timers as the more experienced take on new challenges, on and off piste, the wipe outs just tend to be more spectacular. That is why it is essential to have the proper ski and snowboard travel insurance to provide the necessary cover on and off the slopes.

So what should people be looking for? Most travel insurance providers offer good cover for intermediate and beginners. This is the vast bulk of the market. Yes, accidents do happen but they are more likely to be in a controlled fashion, by that we mean on well groomed pistes and 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. This, generally, means tackling ever more severe slopes but also to venture into what is loosely termed ‘off piste’. This is where the unwary can very quickly become unstuck and we are not talking about the snow conditions.

Most travel insurance policies will have restrictions on ‘off piste,’ such as ‘only with a guide’ or ‘only within a specified resort area,’ so when seeking that ‘adrenaline rush,’ it is important to know what you are getting yourself into first. What’s more, the increasing popularity of ‘half pipes’ and ‘free style’ means that the potential risk of injury has increased as more and more people are attracted to this immensely enjoyable leisure activity. 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.

The more expert you are, the more likely you will need more specialist cover than provided by the usual high street provider. Mountain rescue and medical costs are expensive and, if this requires repatriation, then the costs mount up rapidly. It’s probably too late, as you are being strapped to the rescue sledge, to wonder whether the travel insurance you bought before the holiday is going to cover you. Know before you go.

This article is brought to you by Travelandinsure.com – specialist in ethical travel insurance.

New snow beckons half term skiers

Wednesday, February 16th, 2011

Half term is upon us and new snow is falling across the Eurpean and North American resorts.  At this time of year, thousands take to the slopes for the first time but some unfortunately will return with an injury. And it’s not just first timers as the more experienced take on new challenges, on and off piste, the wipe-outs just tend to be more spectacular.

That is why it is essential to have the proper ski and snowboard travel insurance to provide the necessary cover on and off the slopes. So what should people be looking for? Most travel insurance providers offer good cover for intermediate and beginners. This is the vast bulk of the market. Yes, accidents do happen but they are more likely to be in a controlled fashion, by that we mean on well groomed pistes and 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. This generally means tackling ever more severe slopes but also to venture into what is loosely termed ‘off piste’. This is where the unwary can very quickly become unstuck and we are not talking about the snow conditions. Most travel insurance policies will have restrictions on ‘off piste’ such as ‘only with a guide’ or ‘only within a specified resort area’ so when seeking that ‘adrenaline rush’ it is important to know what you are getting yourself into first.

What’s more, the increasing popularity of ‘half pipes’ and ‘free style’ means that the potential risk of injury has increased as more and more people are attracted to this immensely enjoyable leisure activity. 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. The more expert you are, the more likely you will need more specialist cover than provided by the usual high street provider.

Mountain rescue and medical costs are expensive and if this requires repatriation then the costs mount up rapidly. It’s probably too late, as you are being strapped to the rescue sledge, to wonder whether the travel insurance you bought before the holiday is going to cover you. Know before you go.

This article is brought to you by Travelandinsure.com – specialist in ethical travel insurance.

What to look for in your ski cover

Friday, November 13th, 2009

Everyone appreciates the thrills of Wintersports but not everyone appreciates the dangers that are associated with it. It is very important to ensure that your travel insurance provider supplies you with a travel insurance policy that gives you peace of mind when on the slopes.Of course, if you are intent on skiing at the winter Olympics in Vancouver in 2010, you are advised to look for more specialist insurance cover but for those taking a traditional family winter holiday or popping over to the Alps with a few friends then a family travel insurance policy is ‘just the ticket’. There are many so called cheap travel insurances on the market but do they provide adequate cover? What should you be looking for in your travel insurance policy?

Medical expenses – £5 million

Personal liability – £2 million

Cancellation – £3000

Baggage – £1500

Many travel insurance policies do not include an additional sum insured for delayed ski equipment on top of the normal baggage delay. This is certainly something to consider. It is also important to make sure your travel insurance policy covers ‘off piste’ activities (provided you are accompanied by a qualified guide) and piste closure because of too much, or too little snow, or adverse weather conditions, and, of course, your skis and equipment against loss or damage. With all the above covered you can enjoy your winter sports holiday knowing your travel insurance will cover you no matter what eventualities may arise.

This article is provided by Travelandinsure.com – specialist in ethical travel insurance.

Accidents do happen

Wednesday, November 4th, 2009

Everyone appreciates the thrills of Wintersports but not everyone appreciates the dangers that are associated with it. However, the Ski Club of Great Britain is reporting that more than half of British skiers will take to the slopes without a ski helmet this season, despite the risks of sustaining a serious head injury. Last season, head injuries accounted for almost a quarter of all ski injuries sustained on the slopes. Recent research in Canada and Sweden has also found that snowboarders are up to four times more likely to have an accident on the slopes than skiers, while men are more likely to get injured than women.

Alarm bells should be ringing here, not just against the rise in the accident rate on the slopes but also that a high number of people are still going abroad without any travel insurance. Whether this is just forgetfulness or a desire to live dangerously, it is shows that many people view travel insurance as an extra expense which can be added or deleted depending on the holiday budget. But with price of travel insurance premiums, particularly on the internet, being relatively cheap – you can find a week’s Winter Sports cover to Europe for under £10, it does seem to be an unnecessary risk to take. It is not necessary to pay through the nose these days and if you are prepared to surf the net then there some excellent deals to be had.

This article is provided by Travelandinsure.com – specialist in ethical travel insurance.

Ski resorts opening

Tuesday, October 27th, 2009

The 2009-10 ski and snowboard season is already under way. Glacier resorts in the Alps began opening in September and have been boosted by huge snowfalls in recent weeks. They’ve been joined by half a dozen US resorts which are all promising signs for the ski season to come. Despite the financial gloom, tour operators are cautiously optimistic for a good season ahead, arguing that it’s always the snow not the economic situation that determines whether a season is a financial success or not.

But there is no doubt that the weaknesss of the pound against the euro and US dollar will deter some skiers and that’s why after two good snow years, the strong euro is making Scottish snow look ever more appealing and the Scottish mountains saw their first healthy snowfall since last winter at the beginning of october of the month, possibly heralding an early start to the season there. With lift passes expected to be half the equivalent in the Alps this year, perhaps this is the winter to ski in Scotland?

However, for those deciding to winter holiday at home, it’s worth remembering that the same rules though apply to holidays in the UK as they do elsewhere. So do make sure you are properly covered in case of emergencies. Travel insurance, for example, is not always thought of as a necessity if you take a break in the UK, being so close to home and under the safety net of the NHS should you have an accident but travel insurance covers much more than medical emergencies. Most people buy travel insurance for trips and holidays abroad but these policies do generally provide cover for travel within the UK, though do check the small print rather than assuming that this is always the case.

It can be very useful to have insurance should you subsequently cancel a trip, say for illness, as your holiday costs will be reimbursed subject to any excesses to pay. Your personal effects will probably be covered too, which is an important point to consider as theft and loss is not just confined to holidays abroad – these things happen at home too. What you will almost certainly not be covered for will be for medical expenses as the NHS is available for such instances.

One final word of advice though is do check the small print as many, if not most, insurers do require you to have proof of booked accommodation, or a campsite booking in the case of camping and caravanning, for a minimum stay of normally 2 nights away for the policy to be in force so the one night weekend trip away is definitely outside this definition.

This article is brought to you by Travelandinsure.com – specialist in ethical travel insurance

On the piste or off it – get the right travel insurance cover

Tuesday, October 20th, 2009

The leaves may still be on the trees (just) but the first snow has fallen in the Alps. Yes, the start of the new ski season is just around the corner and after the record early snow last year, we all hope that this season will be another to remember. But will it be for the right reasons?

Each year thousands take to the slopes for the first time but some unfortunately will return with an injury. And it’s not just first timers as the more experienced take on new challenges, on and off piste, the wipe out’s just tend to be more spectacular! That is why it is essential to have the proper ski and snowboard travel insurance to provide the necessary cover on and off the slopes.

So what should people be looking for? Most travel insurance providers offer good cover for intermediate and beginners. This is the vast bulk of the market. Yes, accidents do happen but they are more likely to be in a controlled fashion, by that we mean on well groomed pistes and 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. This generally means tackling ever more severe slopes but also to venture into what is loosely termed ‘off piste’. This is where the unwary can very quickly become unstuck and we are not talking about the snow conditions.

Most travel insurance policies will have restrictions on ‘off piste’ such as ‘only with a guide’ or ‘only within a specified resort area’ so when seeking that ‘adrenaline rush’ it is important to know what you are getting yourself into first. What’s more, the increasing popularity of ‘half pipes’ and ‘free style’ means that the potential risk of injury has increased as more and more people are attracted to this immensely enjoyable leisure activity. 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.

The more expert you are, the more likely you will need more specialist cover than provided by the usual high street provider. Mountain rescue and medical costs are expensive and if this requires repatriation then the costs mount up rapidly. It’s probably too late, as you are being strapped to the rescue sledge, to wonder whether the travel insurance you bought before the holiday is going to cover you. Know before you go.

This article is brought to you by Travelandinsure.com – specialist in ethical travel insurance.

Inclusive packages in vogue for winter season

Thursday, October 15th, 2009

This year’s big skiing trend is the rise of all-inclusive packages, which include lift passes, ski and boot hire and half-board accommodation. The idea in tough economic times is to tell people up front exactly how much a trip will cost rather than them face unexpected or hidden extra charges and that ski companies have been forced to offer cheaper breaks to create good value.

For those tempted for a pre-Christmas dash to the slopes, don’t forget to take out adequate insurance. Recent surveys still show a high number of people going abroad without any travel insurance at all. Whether this is just forgetfulness or a desire to live dangerously, it shows that many people view travel insurance as an extra expense which can be added or deleted depending on the holiday budget. But with price of travel insurance premiums, particularly on the internet, being relatively cheap – you can find a week’s Winter Sports cover to Europe for under £10, it does seem to be an unnecessary risk to take.

It is not necessary to pay through the nose these days and if you are prepared to surf the net then there some excellent deals to be had. This article is brought to you by Travelandinsure.com – specialist in ethical travel insurance.