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Gocompare.com offers a guide to ski cover to make sure holidaymakers aren’t snowed under by their insurance

10 February 2014

Gocompare.com is urging both avid skiers and those new to the slopes to get the right cover before going on or off piste this ski season.

The comparison site reviewed 454 single-trip travel insurance policies and found that, where Winter Sports cover was available, most will cover travellers for piste closure and more adventurous skiing, many come with provisos that holidaymakers should be aware of.

If you find conditions mean that the slopes you are visiting have to be closed and you are unable to ski on them, it’s worth contacting your insurer as three out of four (76%) will offer you an allowance to travel to another resort. For instance, more than half (59%) will pay up to £35 a day to cover the cost of you travelling to another piste.

Sometimes, poor weather conditions can mean that there are no alternative slopes in the area that you could travel to. Fortunately, eight out of 10 (83%) insurance policies will compensate you for the closure, with a quarter (25%) paying between £300 - £499 and one in 10 (13%) willing to shell out £500 or more in compensation.

Some insurance policies will even protect you against weather conditions before you’ve set off. The majority of policies (68%) cover for delays to arrival or departure due to an avalanche. A quarter (25%) of policies will pay up to £200 if your holiday is delayed due to an avalanche, with 16% of policies willing to cover costs of £500 or more.

For the more experienced and adventurous skier, going off-piste can be a way to try new runs on the slopes away from the majority of skiers. But before venturing out it’s important to check that your travel insurance will cover you should something happen while you’re skiing off the beaten track.

Most (81%) policies will insure you for off-piste skiing, but the majority (71%) place restrictions on going off-piste such as requiring you to be accompanied by a qualified guide. Only one in 10 (10%) policies provide cover for unrestricted off-piste skiing, so it’s well worth checking what your insurance entitles you to, before you hit the slopes.

Caroline Lloyd, travel insurance spokesperson at Gocompare.com, said: “Though bad weather is sure to put a dampener on any holiday, ski holidays are particularly vulnerable to the elements. That’s why it could be a wise investment for those thinking of hitting the slopes to take out a comprehensive travel insurance policy that will not only cover them if they get hurt or lose their valuables, but also in the event that the peaks at their resort are inaccessible.

“If you are thinking of going off-piste during your holiday, it’s particularly important that you check what cover your insurer will provide, as the level of cover offered for off-piste skiing can vary between insurers and is usually subject to limitations or restrictions.

“When we’re on holiday, the last thing we want to think of is something going wrong or someone getting hurt. However, it’s important to remember that ski holidays are physical by their very nature and getting the right cover in place is the best way to ensure you’ve got piste of mind on the slopes.”


Notes to editors:

Source: Defaqto Matrix of 454 single-trip travel insurance policies -  instant and unbiased market and competitor intelligence, from independent financial research company Defaqto data effective as of 20th January 2013.