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Going skiing this winter?

16th December 2010 Print

With many people preparing for winter skiing breaks, it is important to check that your travel insurance would provide sufficient cover for you and your equipment if something went wrong.

Independent financial research company Defaqto has identified significant variation in the winter sports cover offered by different insurance policies.

Defaqto found that of the 349 single trip policies that offer winter sports cover:

64% provide £500 worth of cover or less for winter sports equipment
45% cover £200 or less for total closure of the piste
7% provide cover of £150 or less for the loss of a ski pass

It is important for skiers to understand what is covered by their travel insurance policy, or potential policy, to ensure it meets their specific needs.

Mike Powell, Defaqto's Insight Analyst for General Insurance, said: "Many people will have planned a ski trip this winter, but a key question is whether they have adequate insurance to cover theft of their ski equipment or loss of their ski pass for example.  The cost of a skiing holiday and value of equipment will vary considerably.  At the same time, however, the type and level of cover provided by different policies also varies widely.

"It is therefore important for skiers to buy cover that meets their particular needs.  We would urge people to focus on policy features and not just focus on paying the lowest price for cover - the cheapest option can often prove costly if something does go wrong."