20, January 2015: As families from across the United Kingdom plan action packed holidays at some of the world’s most popular ski resorts over the coming months, experts from top online insurance provider InsureMore, urge them to not only ensure they take out a policy, but also make sure it covers winter sports. A good family travel insurance policy is a vital financial safeguard, they say, in the event of winter holiday mishaps.
The lengthy list of potential risks, say experts, includes injury, loss of personal belongings and flight rescheduling due to extreme weather. However, research has revealed that a considerable proportion of winter sports enthusiasts choose to go without family travel insurance. Many believe that the European Health Insurance Card will provide adequate cover for their holidays in Alpine resorts; however, experts from InsureMore say that unfortunately it doesn’t guarantee cover in the case of repatriation or damage of ski equipment.
Some people admit to being perturbed by the cost of adding winter sports cover to their standard family travel insurance policies, but InsureMore’s specialists say it is possible to get a reasonable online policy for a relatively small outlay. It is imperative to know what you’re paying for, however, as policies vary considerably. Some insurers will guarantee financial reimbursement in the event of piste closure, but they may not be prepared to insure family members over the age of 65, for example. Consumers are always advised to read the policy small print and take account of any exclusions before purchasing a family travel insurance policy.
Industry experts say it’s also very important for the consumer to adhere to the conditions of their policy to avoid claim refusal. Some insurers have refused to pay out due to traveller’s ignorance of warnings regarding off-piste skiing and the importance of wearing helmets. While insurance inspectors say they make every effort to ensure that cases are processed quickly and fairly, there is an emphasis upon full disclosure from both parties.
A spokesperson for one of the leading insurance comparison websites stresses it’s also imperative consumers don’t go beyond the parameters of their insurance policy, saying: ‘If you spontaneously decide to do something while you’re away that isn’t covered by your policy — heli-skiing, for example —phone your insurer or contact them online and see if you can pay to extend your policy.’
Representatives from InsureMore say that with today’s super low prices and convenience of online purchases, no family (especially those indulging in winter sports) should feel the need to leave home without a comprehensive family travel insurance policy.
Insuremore provide a range of low-cost travel insurance policies for the B2C market, including single-trip, multi-trip and family insurance. Contact them at http://insuremore.co.uk/
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