Bmc alpine ski insurance

Before you slope off this Christmas for a ski-filled adventure, make sure you have the right type of travel insurance.

Skiing is a specific sport that many standard travel policies often exclude and view as an optional extra cover as part of a single trip travel insurance policy.

Skiing and snowboarding are dangerous sporting activities and carry a greater risk for injuries such as fractures and sprains. There is also the added concern of injuring someone else or causing damage to their personal property.

The right travel policy can provide cover for personal liability, medical treatment, air ambulance transportation or mountain rescue cover should you have an accident during your trip. Medical treatment abroad can be very expensive, especially in countries such as the USA or Canada. A European Health Insurance card will only entitle you to state provided healthcare in Europe and not for private medical treatment (which in some ski resorts could be the only treatment option available). Your travel policy could also cover you for incurred costs caused by delayed travel or alternative accommodation in the event of an avalanche or severe weather conditions.

If you are taking out a standard travel insurance policy, check to make sure that it provides the appropriate cover for your winter sports activities. Alternatively, consider a specialist winter sports travel cover, such as the BMC Alpine and Ski Travel Insurance.

To avoid an injury it is advisable you do some training to strengthen your muscles and hamstrings before your trip. When you arrive at your resort, first start on the smaller slopes to allow yourself to adapt and gradually build your way up and afterwards take some time out to allow your muscles to rest. It is also important to keep your energy levels up while exercising by eating well to avoid fatigue and drink plenty of water to keep yourself hydrated. Always wear protective head gear and never ski when under the influence of alcohol or other legal/prescription drugs that could affect your coordination.

Before you use the slopes check your clothing and equipment is in good working condition. If your equipment has become damaged whilst travelling you should contact the travel provider and make a claim. In the event you become the victim of a theft you should take photos of your equipment before travelling and provide receipts as proof of your purchase. Winter sports equipment including clothing is very expensive to hire or purchase and some policies charge an extra premium for winter sports equipment.

Your travel policy can cover you if you need to cancel your trip unexpectedly or in the case you become ill or injured, although some polices have different classifications for trip cancellations. Your policy could also reimburse you for any cancelled skiing lessons or for off-piste cover if any pre-booked routes have been closed.

Stay safe on the slopes, always follow safety instructions and, before you travel, check to make sure that your travel insurance is appropriate for your needs.

For more information on winter sports or to discuss insurance cover please contact your usual Perkins Slade representative. Alternatively email us on [email protected] call us on 0121 698 8000.

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