Ski Club Travel Insurance Review

Ski Club Travel Insurance Review

The Ski Club of Great Britain has been looking after their members for over one hundred years. With over 28,000 members, Membership entitles you to discounts on equipment, holidays, access to weather reports, expert advice, a copy of the Ski Club Magazine, Group holidays and a 15% discount off ski club travel insurance.

Dog Sledding

The Ski Club Travel Insurance Review

The Ski Club Travel Insurance has been around for a number of years. Designed around winter sports and currently underwritten by Travel Insurance Facilities.

You can choose to insure yourself for a single trip or if you plan on more than one holiday during the year, an annual multi trip policy.

Each policy has three levels of cover designed to meet most requirements, Silver, Gold and Diamond. The Silver policy has only minimal levels of cover, so the sensible choice would be the Gold or Diamond options.

In addition to the normal sections of cover, Medical expenses, cancellation, missed departure, baggage and baggage delay etc, as you would expect the the Gold and Diamond policies are geared towards winter sports.

  1. Cover if you are unable to use your pre-paid daily ski pack.
  2. Cover for physiotherapy treatment on your return home.
  3. Cover for loss or damage to Helmets, Skis, Snowboard Bindings, Poles, Gloves, Boots, Goggles and Ski Clothing.
  4. The hire of ski equipment, if yours is delayed for more than 12 hours, or lost or damaged.
  5. Cover for a lost or stolen ski lift pass.
  6. Cover against hijack or mugging.
  7. Compensation, if you are unable to ski due to an avalanche or lack of snow.

The annual policy allows you to ski for up to 45 days per year, but only up to 24 days per individual trip, which can be limiting if you plan on skiing for the whole season.

All the Ski Club policies, automatically cover 253 different sporting activities, including Big Foot Skiing, Blade Skating, Cat Skiing, Cross Country/Nordic Skiing/Boarding, Dry Slope Skiing/Boarding, Glacier Walking, Glacier Skiing/Boarding, Walking (up to 3,000m), Hill/Mountain & Winter Walking (up to 3,000m within ski resort and on marked paths/tracks), Husky Dog Sledding, Ice Climbing (up to 1,000m), Ice Skating, Indoor Skating/Boarding, Mountaineering up to 1,000m, Murren Inferno, Passenger Sledge, Walking, Rock Climbing (up to 1,000m), Rock Scrambling (up to 1,000m), Ski Boarding, Ski Dooing, Ski/Board Randonee, Ski/Snow Biking, Ski/Snow Blading, Skiing/Snowboarding, Skiing/Boarding – Off Piste With or Without a Guide, Skiing/Boarding Backcountry, Skiing/Boarding – Heliskiing, Skiing/Boarding -Touring, Skiing/Boarding Mono, Sledging/Tobogganing, Sleigh riding (reindeer, horses or dogs, Snow Bobbing, Snow Mobiling, Snow Parascending, Snow Scooting, Snow Tubing, Snowcat Driving,Telemarking, Toboganning/Sledging.

All of the above activities are covered on a non-professional and non-competitive basis. Some of the activities are underlined. This is because you are not covered for Personal Liability or Accidental Death and Disability, when you take part in them (check the policy booklet for more information)

Participation in ski or snowboard races is not covered except for casual, recreational activities which do not require registration, for example a short race at the end of ski school lessons. An exception to this is the “Murren Inferno”

You are also covered for Downhill Only Club (DHO) Club races and the AICC races. Activity Pack 6 covers amateur ski or snowboard racing, but only provided you are not racing for money/sponsorship or FIS points.

Positives

Includes additional cover for ski equipment over and above the standard baggage allowance, something that many insurers do not do

You can insure up to ten persons on one policy, great if you are skiing as a group.

Easy to obtain a quote and the information is well laid out, making your choice much simpler

Off Piste skiing and snowboarding without a guide covered as standard.

A 15% discount of you are a Ski Club Great Britain Member.

bikini wintersports

Negatives

The annual policy only covering a maximum of 24 days per trip, although you are able to insure longer trips with a single trip policy.

Conclusion

The Gold and Diamond policies are definately worth looking at. They provide good levels of standard cover, as well as being designed for the winter sports enthusiast. The vast majority of holidaymakers will find the Ski Club policies cover all the activities they will ever need, without the need to contact the Insurance Company.

For more details contact Ski Club of Great Britain.