Ski insurance: must you subscribe?
Breathtaking landscapes, trails that stretch as far as the eye can see, fun ... But also falls! Winter sports are not without risks, and can sometimes have serious consequences. So, before leaving for the snow, do you have to take out a "special ski" insurance in order to avoid any bad surprises?
Insurance can be valuable in case of accidents on the slopes. Thanks to her, at any time, you can be rescued in the mountains, repatriated, and compensated for all your medical expenses .
What's more, this type of insurance has the advantage of making your life easier, since only one contact is to contact: no need, therefore, to spend thousands of phone calls to coordinate everything.
However, in reality, it is more than likely that you already have collateral in the event of an accident . This is thanks to your home insurance, car insurance and / or credit card.
Home Insurance
Some homeowners offer guarantees of assistance and repatriation in the event of an accident. To know them, find out more about the general conditions that detail the services offered in your contract, or ask your insurer to find out about the subject.
On the other hand, they do not generally cover off-piste skiing, and do not support broken or stolen equipment.
Car Insurance
Some car insurance cover the costs of rescue and transportation between the place of your accident and the nearest health center . It's up to you to check with your insurer if you have this type of service.
Bank card
If you have made your reservation with a Gold or Premier card , it is likely that the latter offers a guarantee "snow and mountain" . This usually covers research, first aid and transportation costs to the hospital. Expenses for care and any dramatic consequences are also covered. This type of card also provides for civil liability for damage to third parties, as well as assistance in case of dispute. As a general rule, you are also covered if you ski off-piste, but provided you are accompanied by a monitor.
If you have such a credit card, you do not need to invest in a "ski insurance". However, if you are in possession of a classic bank card, you will not be covered for this type of accident . In order to know the insurance and assistance conditions of your card, read your contract, or ask for more information from your bank.
Find out well before taking out a "special ski" insurance, it is possible that it is optional, even totally useless. However, if your credit card or your insurance do not cover you sufficiently in case of problem, do not hesitate a second, to spend holidays in all tranquility.
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Read also :
> The different insurances in Luxembourg
> Tips for saving on your bank charges
Updated November 23, 2018.