Snowboard insurance

According to MoneySuperMarket data correct as of September 2019

Where do I need snowboarding insurance for?

Cover for European destinations is normally cheaper than worldwide cover, so if you’re only going to France or Switzerland, you’ll save money by avoiding over-insuring yourself.

You can generally get policies that cover you for:

• European travel
• Worldwide travel (excluding the USA, Canada, and the Caribbean)
• Worldwide travel

What’s excluded from snowboarding insurance?

However like any other insurance policy, there are usually exclusions in place for what you can put in a claim for. These can include any of the following:

• Extreme snowboarding: Some forms of snowboarding, or some routes and slopes, may be excluded from certain policies, or they may require further cover – it’s best to check with your resort before taking out a policy
• Competitive snowboarding: Likewise if you snowboard competitively you will require an extra level of cover if you have to pay for medical costs or equipment
• Snowboarding under the influence: If you hit the slopes while under the influence of alcohol or drugs, any claims for equipment or medical treatment costs may be voided
• Injury without protection: If you injure yourself or become ill as a result of not wearing the right protective equipment or clothing, your medical costs may not be covered under your policy. This might include helmets or goggles, or even wearing a close-fitted under layer to keep you warm
• Unattended possessions: If your equipment or gear gets stolen, lost or damaged when you’ve left it unattended, it’s unlikely you’ll be able to claim for the costs

According to MoneySuperMarket data correct as of September 2019

How much does snowboarding travel insurance cost?

The price you’ll pay for snowboarding travel insurance depends on a number of factors:

Your age: The older you are, the more you’re likely to pay for cover. This is mostly due to the higher chance of you having pre-existing medical conditions, which therefore increases the chance of you making a claim

Destination: The high medical and repatriation costs for places such as the USA and Canada mean insurance generally costs more if you’re travelling to these destinations

Travel frequency: The more often you travel the more you’ll have to pay for cover – whether you’re insuring each trip separately or taking out an annual multi-trip policy. However if you’re planning on taking more than three trips in a year, even if only one involves any winter sports, you should save money by taking out a multi-trip policy

Holiday duration: The longer your holiday, the more likely you are to have to make a claim. This is generally due to other factors such as your destination or how many other people take out similar policies

When should I buy snowboarding travel insurance?

Ideally you want to buy travel insurance as soon as you’ve finalised and booked your holiday.

This way, if you have to cancel your holiday between you booking it and leaving, you’ll be covered for the cost of the flights and accommodation you’ve bought.

It may even cover the cost of any equipment you’ve hired – though you should check to make sure in your provider’s policy documents before buying.

You’ll be covered for cancellation for the following reasons:

• Illness or injury
• Redundancy
• Bereavement

According to MoneySuperMarket data correct as of September 2019

Snowboarding travel tips

Snowboarding is a lot of fun even if you spend half of the time lying in the snow, but there is danger involved. Keep safe and make sure you have a great holiday while bearing these tips in mind:

• Bring all the right gear and equipment, such as helmets, goggles, and warm but not too heavy clothing – you’ll work up a sweat on the slopes. This also includes sunblock, as the sun’s rays can be more intense at higher altitudes
• Check the weather conditions, to make sure there isn’t too little or too much snow, or even an avalanche, that could interrupt your snowboarding session
• Know your limits, as often the more intense and difficult slopes are signalled. Don’t try these if you’re a beginner or amateur – keeping yourself safe should be the highest priority
• Behave sensibly, so you can avoid injuring yourself and others while you’re snowboarding – remember the slopes are for everyone to share. This also means not snowboarding if you’re under the influence of any substances
• Tell someone where you are in case you get lost somewhere, so they’ll be able to flag it to someone at the resort who can send out for help

Compare snowboarding travel insurance

Finding a better deal for snowboarding travel insurance is easier when you compare your options on MoneySuperMarket.

All you need to do is tell us a little about your holiday plans, so we can find quotes tailored perfectly to your needs. Then you can sort through them to find the right policy for you, depending on the level and type of cover you’ve chosen, as well as the price you’ll pay and any excess fees.

However you should remember that a cheaper policy isn’t necessarily the best one – you should find one that gives you the exact level of cover you need, as you don’t want to be under-insured just to save extra money, or over insured for policies you’ll never need.

Once you’ve found the one you want, just click through to the provider and finalise your deal.