Guide to Insurance

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Winter Sports Insurance Cover

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The winter sports policyprovides cover for up to 22 days across 14 different activities includingpopular snow sports such as skiing and snowboarding, through to more specialistsports such as curling, bob-sleighing and tobogganing.



Rachel Cutler, Head ofTesco Travel Insurance commented: "With so many resorts offeringattractive winter holiday packages, there are some real bargains out there.We're helping to reduce the cost of such trips further by throwing in ourcomprehensive winter sports cover with all annual insurance policies. You neverknow what might happen on holiday so it's best to be covered for theunexpected."

Winter sports cover

Amount of cover purchased in store/online/over phone

Sports and activities

Skiing and snowboarding on-piste (and off-piste with a qualified instructor),cross-country skiing, ice skating and curling.

Piste closure

Up to ?200 per person

Loss of winter sports equipment

Up to ?500 per person

Replacement wintersports equipment

Up to ?300 per person

Loss of ski passes or fees

Up to ?250 per person

Tesco has put togethersome safe skiing tips for anyone planning a holiday in the snow:

1. Ensure you are fit for the holiday: Women over 25 are 2.5 times more likelyto suffer knee injuries compared to other groups according to French mountainmedical association Medecins du Montagne, which attributes this to poorerphysical condition.

2. Check your equipment: Have your equipment and bindings checked by a ski shopbefore you go on holiday and, if you're hiring skis, make sure you use areputable shop.

3. Wear protection: It is advisable, especially for children, to wear a helmet.Skiers and snowboarders should also consider wrist, back and knee protectors.

4. Remember your sun protection: Sun reflects off the snow and can burn anyexposed skin so wear a high-SPF lotion. Make sure you wear adequate sunglassesor goggles as you need to see where you're going to avoid collisions.

 

5. Keep covered: Don'tbe tempted to ski with exposed skin or without gloves or mittens if the sun'sout. Snow and ice can be very abrasive on the skin.

6. Don't drink and ski:Although it seems to be an accepted part of the skiing experience, particularlyin Europe, it is important not to over-indulge. Most insurance policies willnot cover you if you have been drinking alcohol.

7. Take a lesson: if it's been a while since you last skied, take it easy onyour first day on the slopes and sign up for a refresher course. A bad fall onyour first day could ruin the rest of your holiday.

8. Stay safe off-piste: Even experts can get caught out. Check the weather andavalanche forecasts, always let someone know where you're going and considernew technology such as airbags, reflectors and GPS locators.

9. Follow on-piste instructions and directions: They are there for a reason.

10. Remember that it can take time to acclimatise to higher altitudes: Keephydrated and get plenty of sleep. When on the slopes, take regular breaks toprevent yourself from feeling fatigued and make sure you have the energy to getsafely down the slope.
Winter Sports Insurance Cover
Home insurance cover can work out a lot cheaper if you allow a specialist insurance broker to find quotes on your behalf which you would then be able to compare at your leisure from the comfort of your own home. Quotes found this way would come with the key facts which would tell you about the important parts of the policy which makes comparing very easy.

When considering taking out home insurance cover there are two different forms that can be taken into account. One is essential as mortgage lenders will ask that you insure the shell of the home with buildings insurance. Buildings insurance would pay for the total rebuild of your home if the worst should happen which would also include the clearing of the destroyed property if for example it should be burnt to the ground in the case of a fire. The cover would also payout if damage occurred to the outer of the home for example in a storm, flood or subsidence, providing of course these are included in the small print.

Home contents insurance is not a necessity, however you would be wise to take out the protection as this type of insurance would payout if again the worst should happen and you lost all of your belongings in a fire for example. This policy would also payout for such as theft of your belongings, accidental damage or damage by vandalism. Of course you would have to check the terms and conditions of the insurance to ensure of what is and is not included.

If you want to make savings on home insurance then you could consider taking out both contents and buildings insurance together. This is often one of the cheapest ways to take both forms of insurance and savings can be made in comparison to taking out cover separately.

When looking for home contents insurance you can save on the premiums by ensuring you do not over insure the contents of your home. This is when you would need to go around the home and take an inventory of all your possessions and it is essential that you do not forget about items which are hidden in the loft, cupboards, drawers and wardrobes. However it is important that while you want to cut down on the premiums by not over insuring you also do not want to under insure as if the worst came to the worst and you lost everything in your home you would lose out.

Savings can also be made on home insurance cover if you ensure that your property is as safe as possible. You can install such as security locks on the windows and doors and a good quality alarm system. While of course alarm systems are not cheap it can be well worth the cost for the savings you can make on insurance premiums and of course it provides you with great peace of mind as just seeing a house alarm on the property can often deter thieves.
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About Author
Both Brand & David Thomson are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Brand has sinced written about articles on various topics from Constipation Causes, Insurance and Auto Insurance. For further information, please contact Tesco Personal Finance: Matthew DransfieldTesco Personal FinanceTel: 0131 523 9001 Victoria LomaxTesco Personal Finance Tel: 0131 523 5533Eleanor ChildHaggie HepburnTel: 0207 334 7777. Brand's top article generates over 110000 views. to your Favourites.

David Thomson has sinced written about articles on various topics from Finances, Motorola Cell Phone and Mortgage Insurance. David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to providing their clients with the best insurance deal on their. David Thomson's top article generates over 90500 views. to your Favourites.
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