Travel Insurance- Are You Covered?

Thousands of people every year take out insurance to cover them whilst they are out of the country on holiday, but how far does that cover go?

For many, winter sports such as skiing and snowboarding make for the ideal holiday but with people still relying on their standard travel insurance, this sometimes turns out not to be the case. Standard travel insurance does not actually cover holiday makers for winter sports and with French mountain doctors estimating that almost one in 50 winter sports fans was injured throughout 2006 and 2007 this figure means that many people will be paying thousands of pounds on top of the cost of their holiday.

A straightforward booking procedure and cheap travel insurance are usually the main things most people are looking for when organising their holidays and therefore most opt for standard holiday insurance each year which they also use for their summer holiday or alternatively for the options offered by their banks for example. If this is the case, it has been suggested by Kelly Ostler, from the Association of British Insurers (ABI) that these insurance policies are checked to see whether winter sports are included in the cover. If they are not, then it is only a matter of £10 or £15 to get the added cover which seems well worth it considering that the costs for recovery from more serious accidents could run into the millions.

It is also worth noting what a well-known insurance provider noted; that many policies don’t cover the more extreme winter sports such as icelake diving, so it is well worth checking just how much you are covered by your annual travel insurance.