Winter sports holiday in Scotland
If you’re planning a sports holiday in the near future, it’s worth considering what kind of insurance cover you need; how much cover you pick up can depend on where you’re travelling to, as well as on what activities you’re going to be taking part in. More extreme sports often require specialist insurance to cover against high risk activities, and can be difficult to pick up from some insurance companies. To this end, you need to break down your journey to understand what you can be covered for, while checking the specialist options available through providers.
Winter sports holidays can be defined in different ways by insurance providers; while some companies will offer general sports coverage, others will have exclusions when it comes to skiing and snowboarding, or for extreme activities like bungee jumping. Always check the terms and conditions of a policy, and see whether insurers include special provisions, which might include only using an approved instructor or venue. It’s also important to see whether the cover you buy incorporates different tiers of medical insurance.
In the case of specialist sports insurance for snowboarding or skiing, you’ll need to see whether cover includes on and off piste skiing. Similarly, you should ensure that your cover includes protection against the loss of or damage to equipment. How much cover you require, and what insurance companies are willing to pay out, can depend on the type of skiing and snowboarding trip you’re taking, as well as on your age and experience, and on the number of people travelling as part of a holiday.
Moreover, if you’re going on an adventure holiday, you’ll need to go through insurance policies to see how much you can get covered for; the risk of accident and injury for different sports can be difficult to pin down, and some insurers may even consider muscle strains as the result of playing golf or team sports as liable to be claimed against. Look out for different levels of medical cover, as well as at the small print when it comes to booking adventure sports providers in particular countries.
It’s also worth checking to see whether you’ll be insured for a full year or not, and whether you can get general sports insurance for multiple trips; specialist insurance providers might be able to offer cover for several different countries, but may have excesses and conditions that you have to meet when it comes to significant claims on accidents, medical costs, and being flown back to the UK. Different claims procedures can also be found for any trips where you might be liable as part of a group; this might include sports carried out when working for a charity.
To this end, you should be aware of the different sports insurance packages available, and should always compare the market to receive the most detailed quote for your trip. Similarly, it’s essential to check the small print for deals, as not doing so can mean that you either take on unnecessary cover, or that you’re not getting enough protection for what you’re doing. With travel insurance, it’s typically best to be safe, rather than sorry about the level of cover that you take on.
Author Bio: Piter Thomas blogs about international travel. He works with www.worldwideinsure.com to promote the need for comprehensive travel insurance when abroad. He also blogs about mountain biking and sailing.