Ski or “snow and mountain insurance”: is it necessary to go skiing?

What insurance do I need for skiing?

Civil liability for home insurance

Your multi -risk home insurance generally includes a civil liability guarantee, which covers the damage you may cause to others during a ski accident. However, this guarantee does not take care of the injuries that you could undergo yourself. It is therefore important to check the clauses of your contract.

Vacuum Vargegiature

If you rent accommodation for your mountain holidays, the resort, often included in multi -risk home insurance, protects the accommodation that you temporarily occupy. Make sure this guarantee is present in your contract.

Individual accident warranty

This insurance is not compulsory, but can cover the corporal damage that you may undergo during a ski accident. However, certain risky activities, such as skiing, can be excluded from guarantees. It is therefore important to check any exclusions.

What is the “snow and mountain” guarantee?

Gold Mastercard, Premier visa … Ski insurance included in certain premium cards

Some bank cards, such as a Premium (Gold Mastercard or Visa Premier) or high -end card, Visa Infinite or Mastercard Platinum, include a snow and mountain warranty. They protect their holders to several degrees.

Ski stay costs must be paid by the guaranteed bank card

Above all, it should be noted that the guarantees are only acquired if the costs of stay (transport costs, accommodation, ski lift packages, ski lessons, equipment rental, etc.) have been adjusted entirely or partially or reserved by means of The ensured card.

Insurance conditions for off-piste skiing

If you practice off-piste skiing, beware the guarantees are only acquired when you are accompanied by a ski instructor or a guide. Ask before leaving, because the guarantees ceilings vary from one bank to another.

Who is covered by ski insurance?

In addition to the card holder, his spouse, his children under the age of 25 and grandchildren are the only people benefiting from the guarantees. Do not think that, because you have paid with your card the package of your niece or your godson, they are covered by your warranty. Take them insurance apart.

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Why take ski insurance?

Taking or not “ski” insurance depends on your personal situation and the guarantees that you can benefit from elsewhere.

It is up to everyone to decide, but it is good to know that the “snow and mountain” guarantee, if it provides certain useful guarantees (including research and rescue costs and transport and care costs) is accompanied by many restrictive conditions of ‘Application, exclusions and franchises.

What does the snow and mountain guarantee covers?

The accidents noted by the health authorities of the place of stay, occurring worldwide, without a kilometric franchise, are guaranteed during a stay in the mountains, due to the practice as an amateur:

• skiing in all its forms in ski resorts;
• of certain sports activities, including skis hikes, snowshoes or pedestrians;

Sports and various activities organized collectively by and under the responsibility of an association or an organization.

What are the costs covered by ski insurance?

In addition to death/disability insurance linked to any trip (France and foreigner with restrictive conditions for certain countries) and generally limited to 310,000 euros per family are covered the following costs.

Research and rescue costs

Following a ski accident is guaranteed to covet of rescue or mountain research costs, either operations carried out by rescuers or help moved in order to search for the insured in a place without all means help other than those that can be brought by professional rescuers.

First transport costs up to real costs incurred

These are the costs generated following transport organized by medical or rescue authorities between the place of the accident and the medical center or, possibly, the nearest hospital center and the return to the place of stay.

Maximum commitment is granted up to the competition of real costs incurred, after deduction of compensation already paid by organizations, such as Social Security or any other collective provident regime, including mutual organizations, without the insured being able to receive total an amount greater than its actual expenses.

Medical fees

The reimbursement of medical, pharmaceutical and hospitalization costs is guaranteed, engaged by the insured on medical prescription following an accident. The reimbursement is limited to 2,300 euros including tax, any loss in a maximum amount of 30 euros including tax being left to the insured (deductible reached of 30 euros including tax).

Please note, the compensation provided for exclusively in addition to the compensation which would be paid to the insured for the same damages by social security or the mutual, without the insured being able to receive a total of its real costs.

Is the reimbursement of the package and ski lessons included in ski insurance?

Calculation of compensation

The reimbursement is guaranteed to the insured of the days of ski lift and/or ski lessons unused following an accident that occurred during the stay and resulting in a temporary total incapacity of medically observed ski.

The compensation due will be calculated according to the number of days remaining from the day after the medical observation of the temporary total incapacity of SKIER.

Depending on the duration of the package or ski lessons

For packages and ski lessons for less than or equal to three days, compensation is limited to 300 euros including tax per damaged insured and at most to two claims that occurred during the same calendar year. Beyond three days, it is limited to 800 euros including tax per injured insured.

For “season” packages and ski lessons

The indemnity will be due in the event of an accident resulting in a temporary total incapacity of skier or the death of the insured from an accident. The amount of compensation will be calculated in Prrataa temporis of the duration of the incapacity, within the limit of 800 euros including tax per injured insured.

What guarantee in the event of theft or accidental broken skis and ski shoes?

Refund of rental costs for eight days maximum

The insured is guaranteed, in the event of theft or accidental breakage of his skis or his personal ski shoes, the reimbursement of rental costs for eight days maximum. And this, with a professional rental company, a pair of skis or replacement shoes.

Refund in the event of damage or theft of ski equipment

The contract guarantees the reimbursement to the insured of the costs left at his charge following an accidental breakage (same definition as above) or a flight of the ski equipment (skis, surfing, monoski, snowshoes, sticks and suitable shoes ) rented to a professional rental company.

A 20 % deductible will be applied to the total amount of real costs remaining the responsibility of the insured. Compensation limited to 800 euros including tax (maximum two claims per calendar year).

What is snow square insurance?

Snow square assurance guarantees

Carré Snow is local insurance distributed only in Savoy. It provides skiing and all snow sports with a capped price from eight to 21 days. Square snow insurance covers:

• skiing or snow sports accidents on the ski area, including off-piste accessible from ski lifts;
• accidents during tobogganing;
• diseases during the stay;
• the inability to move in the event of a ski or snow sports accident;
• repatriation at home.

A disaster to declare online

In the event of an accident or a claim covered by insurance, the declaration is made online via the official Square Snow website. The insured must provide the necessary supporting documents (medical certificate, care invoice, etc.) to benefit from the reimbursement of the costs incurred.

In the event of an emergency, telephone assistance is available to organize the repatriation or immediate care of the injured.

Interest of Square Snow

Square snow insurance is particularly suitable for occasional skiers or vacationers, who wish to benefit from full coverage without having to take out annual insurance. It makes it possible to avoid the sometimes high costs linked to mountains in mountains and medical care at the station.

What is recourse and defense guarantee?

The recourse and defense guarantee is a protection included in certain insurance contracts, including home, automotive and sports insurance.

The use of a responsible third party

This guarantee makes it possible to take steps to obtain compensation when you undergo damage caused by a third party. For example :

• Another skier strikes you and hurts you, causing significant medical costs;
• A collision damages your equipment (broken skis, cracked helmet, etc.)…

In these situations, the recourse guarantee makes it possible to determine the responsibility of the third party involved, to cover the expertise costs to assess the damage suffered and to cover the costs of procedure if legal action is necessary to obtain compensation.

Criminal defense

If you are involved in an accident where your responsibility is engaged, the Defense guarantee protects you legally. This is the case if, for example, if:

• You are accused of having injured another skier during a collision;
• A third party accuses you of having damaged his equipment on the slopes, etc.

In these cases, the defense guarantee makes it possible to cover the costs of lawyer and expertise to defend yourself in court and to cover the costs of procedure if you must contest an unjustified complaint.

How much is ski insurance?

Average price of snow and mountain insurance

The cost of snow and mountain insurance is on average three euros per day per person (20 to 30 euros for a week). Hors-piste lovers, very often excluded from the majority of contracts, will find contracts covering this dangerous and classified activity as extreme sport by insurers around nine euros per day.

Formula prize for the year

Finally, for the powder mesh that are not satisfied for a week on the slopes, know that some insurers offer formulas guaranteeing year -round for about fifty euros.

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