Below is a list of the
things which are typically overlooked when it comes to organising your ski
Freak weather is not uncommon, but this does not mean you
can necessarily claim. Lift operators are under increasing pressure to
keep at least one lift open so not to deter trade. Check that your lift
policy will payout if at least 80% of the lifts are shut.
No Snow (or even too much snow!)
Some policies will not cover for 'no snow' as lifts can
still be open. Also, you may find that lifts are closed because of too
much snow, gales, power cuts, or even because the pisteurs are on
You need two types of cover for when you leave your gear
whilst you're in a mountain restaurant. For the actual loss, beware
policies which exclude possessions 'left unattended'. The second cover
will pay for you to hire more equipment for the remainder of your
This is obviously one of the most dangerous exclusions
due to limitless medical bills which could arise. A heli-rescue could be
£600 in Europe and over £1100 in the USA. Most policies will include
off-piste BUT as long as you're led by an instructor. Don't be fooled by
following a well worn track- it may be outside the patrolled area, and
not included in your policy.
Most insurers exclude it for trauma patients, but some
will cover it.
Loss of lift pass
No-one wants to replace a pricey lift pass. Make sure
your policy covers its loss.
Beware - Many plans will EXCLUDE the traditional end of
You will likely receive the medical cover, but check the
small print to see if you will be covered for costs arising from not
being able to get to the airport, or indeed your resort if you haven't
even got there yet.