Be prepared when you hit the slopes

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<h1>Be prepared when you hit the slopes </h1><strong> Author: <a href='http://www.articleseen.com/profile_Mathew Sabri.aspx'>Mathew Sabri</a></strong><br /><p>If you plan to take to the mountains for a skiing holiday soon, you’ll need an insurance policy which covers you sufficiently to give you piece of mind that you’ll be protected if anything goes wrong. Your travel agent may well give you an offer, but you should always see what else is available. You may find something out there which is cheaper or which gives you better cover. When you look around however there are certain things that are important to pay close attention to. Certain policies will give you 24 hour assistance, providing you with a contact you’ll be able to make use of at any time of the day in the event of an emergency. This can be very helpful, as it will give you somewhere to turn if you have medical bills or doctor’s fees to be paid or if you need to arrange to return home. However ski insurance which offers this kind of support sometimes requires you to inform the assistance company within a certain time limit in the event of injury or hospitalisation. You may not be able to claim if you fail to follow the conditions. Under-18s are sometimes covered for free under the insurance policy of their parents, so if your family goes skiing frequently this kind of policy may help lower your costs. However you should find out whether this free addition covers children if they go on a school trip and are not travelling with their parents. Always look carefully at the terms. Ski insurance usually gives cover for your equipment if it is stolen from outside bars and restaurants, but you might find it is not covered if you leave it out overnight and not properly locked away in a safe place in your hotel. You have to do all you can to deter thieves as your equipment is expensive. But make sure you follow the terms of your policy when it comes to keeping your equipment safe so that if anything is stolen you are in a better position to make a claim. You should also study your policy to see how you’ll be reimbursed if you do make a claim. Generally, stolen equipment is not replaced with new, but rather you’ll be recompensed with a figure calculated from the age and current value on the market of what is stolen. Normally, liability cover will be included in your ski insurance. However you will find that different policies incorporate different levels of cover. Make sure you know what level of liability you are covered for, and if it is insufficient then you should look into extending it. All of this points to the importance of studying your policy carefully so that you know what the terms and conditions are. This of course is true whatever type of insurance you are looking for. </p><strong>About the Author:</strong><br /> You can get everything covered at a great price with the etravelinsurance.co.uk <a rel="nofollow" href="http://www.etravelinsurance.co.uk/ski-travel-insurance.asp">winter sports insurance</a>. <a rel="nofollow" href="http://www.etravelinsurance.co.uk">skiing insurance</a> with everything you need! <p> Article Source: <a href='http://www.articleseen.com/Article_Be-prepared-when-you-hit-the-slopes_1365.aspx'> http://www.articleseen.com/Article_Be prepared when you hit the slopes _1365.aspx</a></p>

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Category : Finance : Insurance