Archive for the ‘snowboard insurance’ Category

Travel Insurance – Adventure Holidays and the Importance of Being Insured

Sunday, September 5th, 2010

There are a wide range of extreme sports on a variety of terrains – from snow, surf and even stone.

The added risk factor of activities such as rock climbing, surfing and snowboarding adds to the appeal of these very popular sports.

Every year, thousands of eager adrenaline junkies, young and old, choose to go abroad to partake in such activities. From up north to down under, many head to exotic locations for the experience of a lifetime.

Finding suitable travel insurance before embarking on such trips is a vital part of the planning process. It’s all very well finding the highest peak to base jump from, or the biggest waves to ride – but what happens if something goes wrong?

Injury can be commonplace on an adventure holiday if you don’t take necessary precautions. If something happens and you need to be rescued from say, the side of a mountain, you could find yourself facing a hefty bill at the end of your trip if you don’t have suitable travel insurance.

Depending on the terrain involved, getting injured on an adventure holiday can prove costly if you don’t have sufficient cover, particularly in scenarios which result in you having to be airlifted to hospital (or in some cases back to your home country)

Therefore you need to make sure you take out suitable holiday insurance, and have all bases covered, before you travel.

For adventure holidays it can be worth taking out single trip policies, and it’s always best to ensure that you are covered against a range of factors associated with your activity of choice – such as winter sports cover and ensuring your possessions and passport are covered in case of theft or loss.

Many companies have specialist insurance packages to cater for thrill seekers of all ages and abilities. It can be worth paying that little bit extra to save you all kinds of hassle and financial trouble, meaning you can make the most of your thrill seeking adventures.

David is an experienced writer based in the UK, currently working in the dotcom industry.

Travel Insurance – Tips On How To Find The Best Cover

Wednesday, September 1st, 2010

Many of us like to travel abroad to pastures new at least once a year, and some of us like to jet off abroad even more often if we can. There are also many people that have to travel abroad as part of their work, and may find themselves heading overseas on a regular basis. Whether you are travelling for business or leisure, and whether you travel regularly or occasionally, it is important to remember that having travel insurance in place is of paramount importance for you and those travelling with you.


Travel insurance is available from a wide range of lenders, and there are different levels of cover that are designed to suit different needs and circumstances. You can get some pretty good deals on travel insurance cover, although you should remember that the cost of cover and the benefits of cover can vary from one provider to another. It is therefore vital that you compare cover from a number of providers, and in addition to checking and comparing the price you also read the small print, familiarise yourself with any restrictions or exclusions, and make sure that you are aware of the benefits.


When you are booking or arranging your travel insurance cover you will need to decide which type of policy is best suited to your needs. There are a number of options to select from, and a few of these are outlined below:


Single trip cover: Single trip travel insurance cover is ideal for those that only travel abroad occasionally, such as once a year or less, and this cover can be taken out when arranging your trip, either through the company that is arranging your flight and accommodation or by doing some research and comparing deals from other travel insurance providers. As the name suggest this type of travel insurance covers you for a single return trip.


Multi-trip travel insurance: If you travel abroad on a regular basis, it would be a pain to have to arrange separate cover each time you went, not to mention expensive. With multi-trip travel insurance cover you can enjoy being covered for a number of trips abroad without having to arrange cover separately each time.


Annual travel insurance cover: Annual travel insurance cover will provide protection for the whole year, so no matter how many times you travel over the course of that year you will be covered. Again, this can suit those that travel on a regular basis, and can save time, hassle, and money.


Group travel insurance: If you are travelling abroad as part of a group you can get some good deals on group cover that will protect everyone in the group. This is a far cheaper way of getting this valuable insurance than everyone taking out their own separate policy.


Winter sports cover: Many people like to jet off to a winter wonderland to enjoy skiing, snowboarding, and other winter sports. However, this can be a dangerous sport, and therefore you need specialist cover to protect you against the increased risks as well as to protect the expensive gear and equipment that you will be using.

Peter Kenny has been writing financial articles for 10 years and is a writer for The Thrifty Scot, please visit us at Secured Loans and Travel Insurance
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Going Skiing? Take Out Travel Insurance – you Know it Makes Sense

Thursday, August 26th, 2010

The net result is that an increasing number of skiers and snowboarders are injured each year and, while falls, tumbles and the occasional wipe out are part of the holiday experience, you could be hit hard when it goes wrong. Being rescued from the ski slopes will now cost you well over £75, while medical expenses could set you back a further £250. The more serious injury cases could be even more painful both physically and financially. Repatriation to London from the Alps will cost around £2,500, rising to a hefty £6,000 from the USA.

And if you think that a European Health Insurance Card (EHIC) will provide you with full medical cover while skiing in Europe, then think again. The EHIC, which replaced the E111, entitles you to low cost, sometimes free, basic medical treatment on the same terms as all nationals in EU states, but it should not be viewed as a substitute for proper travel insurance as the EHIC will not cover costly extras such as an air ambulance, personal liability, trip cancellation, or loss of baggage.

That said, do not assume a standard travel insurance policy is enough, as most winter sports travel insurance cover has to be bought as an extra option and, even then, check the small print on your policy. It would be wise to check that the heli-sking or freestyle skiing that you intend to do is covered, not to mention those ‘off piste’ activities you have planned as your ski travel insurance policy could very well exclude these and that could mean being saddled with an unexpected bill if you get injured.

The golden rule is ‘Get the best cover for the activities you are planning to do’. This is one area of travel insurance where buying cheap travel insurance could definitely end up being a false economy.

Keith McGregor is a partner of Strawberrysoup, a web design agency with offices in Chichester and Bournemouth. Strawberrysoup specialise in creative web design, content managed websites, search engine optimisation, search engine marketing and graphic design

Travel Insurance- are you Covered?

Monday, August 16th, 2010

Thousands of people every year take out insurance to cover them whilst they are out of the country on holiday, but how far does that cover go?

For many, winter sports such as skiing and snowboarding make for the ideal holiday but with people still relying on their standard travel insurance, this sometimes turns out not to be the case. Standard travel insurance does not actually cover holiday makers for winter sports and with French mountain doctors estimating that almost one in 50 winter sports fans was injured throughout 2006 and 2007 this figure means that many people will be paying thousands of pounds on top of the cost of their holiday.

A straightforward booking procedure and cheap travel insurance are usually the main things most people are looking for when organising their holidays and therefore most opt for standard holiday insurance each year which they also use for their summer holiday or alternatively for the options offered by their banks for example. If this is the case, it has been suggested by Kelly Ostler, from the Association of British Insurers (ABI) that these insurance policies are checked to see whether winter sports are included in the cover. If they are not, then it is only a matter of £10 or £15 to get the added cover which seems well worth it considering that the costs for recovery from more serious accidents could run into the millions.

It is also worth noting what a well-known insurance provider noted; that many policies don’t cover the more extreme winter sports such as icelake diving, so it is well worth checking just how much you are covered by your annual travel insurance.

Gill Critchley is a UK based author with experience within the financial industry centering on the insurance sector.

Holiday Insurance: for a Risk Free Fun-filled Holiday

Tuesday, August 10th, 2010

Getting holiday insurance has become quite important for the tourists nowadays. Disaster may fall to anyone at anytime. You may have gone out to take a break from your hectic life schedule and have fun but that too may turn to be sad for you. So, it is better to not to take any risk and be prepared and take precautions before anything bad or any physical injury may happen to you.

Several things may happen to you while you journey which are like falling sick, meeting accidents on your way, loss or theft of luggage or cancellation of flights or trains. So, there is nothing bad in being prepared through the help of such insurance policies. These are even being provided by the travel agents too and therefore, you will not have to take much pain while arranging for one. While buying their holiday package you will get to insure that whole trip. Other than this, such insurance policies are available in the online services too. You can shop around for the best deal by going through the quotes offered by the online agencies.

A variety of insurance plans are available for the holiday fun freaks. Travel insurance, discounted annual cover, ski or snowboarding holiday insurance plans and single trip insurance policies are certain available insurance plans. Some of these plans cover only a special event while some policies cover the entire holiday period. Based on the duration and the reason for which the particular insurance policy is being undertaken the prices of these differ.

When you are going to a place which is totally new for you and is opposite to the climate where you reside then it is necessary for you to have the holiday insurance. Under such circumstances the insurance should not cover a few days or special events, in fact the whole holiday duration should be insured. This will make the holiday tour quite tension free, enjoyable and memorable for your whole family.

Charle Lawrence is associated with insuranceb. He holds a Master’s in finance from Cambridge University. To know more about holiday insurance, quote holiday insurance, travel insurance, uk holiday insurance please visit http://www.insuranceb.co.uk/

Arranging Travel Insurance

Friday, August 6th, 2010

Everybody has their own idea of their perfect holiday. From relaxing on sunkissed beaches, exploring cities steeped in history or racing down the side of a mountain on a snowboard.

When arranging the details of your holiday, it is advisable to ensure that you have little plans in place in case of accident or incident. Every year thousands of tourists have their possessions stolen or are injured abroad each year, and many of them do not have sufficient cover and end up out of pocket at the end of their holiday.

Travel insurance is especially important if you’re looking to participate in extreme or winter sports, and whilst many companies will offer some form of protection as part of their package deals, it’s always worth giving yourself that extra peace of mind by taking out some winter sports cover. Travel insurance policies vary depending on your destination and choice of activities, and it’s always best to double check with your insurance company what activities would be covered.

As well as ensuring that your activities are covered, you must also ensure that you have ill health cover to ensure that you are entitled to medical treatment in your destination country should you fall ill abroad. Having insurance in place will also help to cover you should you need to return home in the event of an accident or illness.

As well as arranging cover for yourself, you should also ensure that your luggage is covered, many providers will offer some level of protection for items such as passports and electronic items. This type of cover can be particularly useful if you’re thinking of taking a backpacking trip. It’s best to check with your airline as to whether you’ll be covered in the event of lost passports, flight cancellations or severe disruption to your journey.

If you’re travelling to Europe, it can be worth taking out a European Health Insurance Card (EHIC) – which entitles you to free or discounted treatment should you require it abroad. Bear in mind though, that this is not a substitute for a travel insurance policy, and you should look to take out additional cover as well as an EHIC before you travel.

By arranging a suitable insurance policy before you travel, you can give yourself a degree of protection against a variety of factors during your trip. Whether you’re looking to relax or are seeking exhilaration on an extreme sports holiday, taking the time to arrange a cheap travel insurance plan before you jet off can help to put your mind at ease while you are enjoying yourself.

David is an experienced web author based in the UK

Arranging Travel Insurance

Friday, August 6th, 2010

Everybody has their own idea of their perfect holiday. From relaxing on sunkissed beaches, exploring cities steeped in history or racing down the side of a mountain on a snowboard.

When arranging the details of your holiday, it is advisable to ensure that you have little plans in place in case of accident or incident. Every year thousands of tourists have their possessions stolen or are injured abroad each year, and many of them do not have sufficient cover and end up out of pocket at the end of their holiday.

Travel insurance is especially important if you’re looking to participate in extreme or winter sports, and whilst many companies will offer some form of protection as part of their package deals, it’s always worth giving yourself that extra peace of mind by taking out some winter sports cover. Travel insurance policies vary depending on your destination and choice of activities, and it’s always best to double check with your insurance company what activities would be covered.

As well as ensuring that your activities are covered, you must also ensure that you have ill health cover to ensure that you are entitled to medical treatment in your destination country should you fall ill abroad. Having insurance in place will also help to cover you should you need to return home in the event of an accident or illness.

As well as arranging cover for yourself, you should also ensure that your luggage is covered, many providers will offer some level of protection for items such as passports and electronic items. This type of cover can be particularly useful if you’re thinking of taking a backpacking trip. It’s best to check with your airline as to whether you’ll be covered in the event of lost passports, flight cancellations or severe disruption to your journey.

If you’re travelling to Europe, it can be worth taking out a European Health Insurance Card (EHIC) – which entitles you to free or discounted treatment should you require it abroad. Bear in mind though, that this is not a substitute for a travel insurance policy, and you should look to take out additional cover as well as an EHIC before you travel.

By arranging a suitable insurance policy before you travel, you can give yourself a degree of protection against a variety of factors during your trip. Whether you’re looking to relax or are seeking exhilaration on an extreme sports holiday, taking the time to arrange a cheap travel insurance plan before you jet off can help to put your mind at ease while you are enjoying yourself.

David is an experienced web author based in the UK

Single Trip Travel Insurance

Friday, August 6th, 2010

If you only plan to travel abroad once this year, then single trip travel insurance is probably the best value – there’s no point in paying for cover you don’t need!

Generally speaking, you can purchase single trip travel insurance to cover three areas; Europe, Worldwide and Worldwide with exclusions. These exclusions tend to be travel to areas like the Caribbean, USA and Canada where claims tend to be more expensive. Check your policy details to make sure you have chosen the right territory – for example, some providers include Tunisia under their European cover, while others don’t.

It is also very important to check the details of your single trip travel insurance policy very carefully to check the cover meets your needs. If it does prove to be unsuitable, you should be able to obtain a refund within 14 days of taking out the policy provided your trip has not already begun and you have not made a claim on the policy.

A good single trip travel insurance policy should offer cover for emergency medical expenses, cancellation, curtailment, personal possessions, personal liability and legal expenses. Many single trip travel insurance policies offer the option to exclude baggage cover for a discount – this is worth doing if you already have “away from home” cover for your personal belongings on your home contents insurance policy, or don’t feel that you need cover for this.

You may also have encountered something called “excess waiver” on some single trip travel insurance policies. Basically, the excess is an amount that you pay whenever you make a certain type of claim. By paying a small addition premium for “excess waiver” you can eliminate this cost.

If you are planning a ski or snowboard trip, it is important to find single trip travel insurance which offers cover for this. Similarly if you are going on an adventure holiday, check that the single trip travel insurance policy offers cover for any hazardous activities you are taking part in before you go.

Single trip travel insurance is available from a number of places. If you booked your holiday through a travel agent you will probably have been offered their policy, but remember you are not obliged to take this and it can work out very expensive. Thanks to comparison sites such as Moneysupermarket it is easier than ever to compare single trip travel insurance premiums, and as a result the market has become very competitive.

Don’t be tempted to try and save money by travelling without single trip travel insurance – the cost of sorting out even a small problem will probably outweigh the premium you paid, and bills for medical emergencies can run into many thousands of pounds.

24/7 travel insurance offers single trip travel insurance policies from as little as

Find the Right Travel Insurance – 10 Practical Tips

Friday, August 6th, 2010

“Insurance is like marriage. You pay, pay, pay, and you never get anything back.”

- Al Bundy

Getting the right insurance can be very important in case you run into problems. Here are some hints on pitfalls to avoid:

The travel insurance can differ a lot on what it covers. Make sure that you understand what is included and that you have the right travel insurance for the place you are going and the activities that you intend to do. Shop around – there may be significant differences in prices (make sure you compare apples to apples though, the fine print can be hard to understand in detail).

Make sure that any expensive items (e.g. video camera) you plan to take along is covered, check the maximum amount per individual item. How can you prove to the insurance company that you owned the item? Keeping a photo and the receipt may be useful.

Some policies cover only theft and not loss. Others have a hefty excess fee (an amount is deducted from the amount you are supposed to get back from the insurance).

If you plan to travel several times during a year a multi-trip insurance can be more economical than buying travel insurance every time you go.

Some travel agents make a large part of their income from selling insurance since the price for tickets is easy to compare online and there is a lot of competition selling tickets.

Sometimes you have basic travel insurance included in your home insurance for a certain amount of days and it may be what you need. If it is not enough you may be able to take out additional travel insurance on your home insurance (but this is not necessarily the cheapest alternative).

If you pay for your flight using a credit card you can sometimes get a basic travel insurance included. Check with your credit card company to for details. Also check what is included in your homeowner insurance before getting additional travel insurance.

Make sure that you know where to call if you need to get in touch with your insurance company and keep a copy of your insurance policy with contact details with you.

Check what the process for reimbursement is before you go (e.g. you may have to present receipts afterwards or get the treatment approved in advance).

Check that the insurance covers the activities you plan on doing such as climbing, snowboarding or hang gliding. Some companies specialize in insurances for high-risk activities.

The above article is based on information in the Backpacker

Points to Consider When You Compare Travel Insurance

Friday, August 6th, 2010

If you’re going on holiday this year then getting solid travel insurance isn’t just a good idea, it’s essential. Medical bills abroad can be extremely costly and it’s simply not worth taking the risk. You needn’t break the bank though, provided you’re prepared to compare travel insurance quotes and shop around a bit to find the best deal. Here are some points to consider:

Annual cover

If you’re overwhelmed each time you look online to compare travel insurance and find the process irritating and repetitive, it can be easier to get annual cover and then not worry about travelling for a whole 12 months. Especially if you’re going to take three or more trips abroad in a year, annual cover is definitely the way to go, as you can often save yourself money as well as time.

Ski trip extras

If winter sports are your thing, make sure that your travel insurance covers you specifically for skiing and snowboarding. A normal travel insurance policy will not be sufficient on the slopes and will not be valid for a claim if you injure yourself. It’s worth taking the time to compare travel insurance quotes from sports specialists who deal specifically in winter holidays for the best prices.

Excess charges

When you compare travel insurance you need to have a look at how much excess you will have to pay should you get injured, require medicines, lose your luggage or have your money stolen. Some insurance companies charge as much as £200 for excesses, which is fine for a large medical bill but not so good if you lost your£60 handbag. Excess charges can be as low as £30, which can make a big difference to your claims.

Cover limits

Not only do you need to check the excess limit, your cover limit is essential when you compare travel insurance. No policy worth its salt will have a cover limit of less than £1 million. This should be the absolute minimum, but you can get much higher limits. Again, particularly if you are skiing, a much higher cover limit is recommended, between £3 million and £5 million should be fine.

Don’t rely on EHIC

You need to find a comprehensive travel insurance cover for your travels abroad. Whilst the European Health Insurance Card (EHIC) can help reduce the costs of medical treatments in Europe, the only way to make sure you are going to get adequate medical treatment abroad is to compare travel insurance and get a decent policy.

Kim has 2 years experience in writing articles for Uswitch . She also enjoys writing articles on various other topics


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