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Top 5 Reasons To Choose Winter Travel Insurance

Published by Natasha Beaumont on 10/02/2014

If you are looking to take in the scenic beauty and the exhilarating feeling of a winter sports holiday this year, make sure it does not end up a bit of calamity and your wallet doesn’t get an equally as big dent in it.

It’s difficult to imagine that your holiday could end in tragedy, but with freak accidents and the dangers of the sport far from a myth, when it comes to the likes of skiing and snowboarding, the first thing you should think of when you’re planning a winter break should always be a contingency plan and a bubble to protect you when you can’t protect yourself.

Skiing without the right insurance is a slippery slope to take

With this in mind, let’s take a look at our top ways to ensure you get the most out of your winter travel insurance policy.

Excess

It is absolutely vital that you understand just how your excess works on your travel insurance policy. Your excess is the amount you will pay towards a claim if you need to make one, however you need to ensure you understand the wording of your policy as you may have various excess charges for different sections; for example you may have separate and often different excess charges for medical costs and loss or damage.

 

Your health
One of the most common reasons for a claim to be turned down is the policy holders’ health, particularly an undeclared pre-existing medical condition.

Whether you’re worried about the cost of your premium by declaring any existing conditions or not having the confidence to speak to someone you don’t know about your condition, when you choose Kestrel Travel Insurance you can rest assured that you can complete your medical test in the comfort of your own home, online, completely confidentially and that we will try our utmost best to save you money.


Repatriation

If you are a resident on the Isle of Man, one of the important aspects you should look for in any travel insurance policy is repatriation.

For those of you who are not aware of what this term means or are a bit confused, it means that if in the unfortunate circumstance that you pass away or fall ill abroad or even in England, the cost for you to be brought back to the Island will be covered.

Understanding that this is not an easy topic to discuss when you’re planning the trip of a lifetime, it is unfortunately something that must be considered. Some 6,200 British holidaymakers die abroad every year and the cost of repatriation to the Island can equate to £50,000. It is a very real situation and undoubtedly you’ll want to be able to make any such circumstance as easy as possible for a loved one. Without adequate insurance cover your family could have to pay the whole cost of returning your body.


Hazardous sports

Whether you’re going skiing, snowboarding or even zorbing there are many hazardous sporting activities involved in any winter getaway, and this is why you must be aware that many insurance policies exclude such sports so you will need to check the policy wordings very carefully and, when you’re looking for a quote, disclose that this is the type of holiday you will be going on.


Danger zones

When choosing your destination, there’s one generic rule about ‘danger zones’ and that is to make sure the Foreign and Commonwealth Office suggests it’s a safe place to go. The office has a list of ‘danger zones’ and insurers will not cover you if you go there. You should be okay when you’re travelling to a winter holiday resort, but it’s always a good idea to check your policy to make sure it covers you for travel to your chosen country.


Why choose Kestrel Travel Insurance?

Tailoring your policy to your exact needs, Kestrel Travel Insurance’s winter holiday policies are designed to include things like, cover for equipment, piste and avalanche closure, cancellation and even medical expenses. So you can relax with the peace of mind that we will be only a phone call away if you’re ever left in a tricky or upsetting situation.

Kestrel Travel Insurance won’t leave you stranded in theAlps, so take a look at our policies and decide which is best for you today. Finally, don’t forget, even if you’re jetting away to warmer climates this winter, make sure that you’re still covered by your insurance to be repatriated in case the worst does occur.

Get an instant insurance quote for your winter holiday now!

 

 

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Kestrel Travel Insurance is a trading name of Kestrel Insurance Service Ltd. | Registered with the Isle of Man Financial Services Authority as an Insurance Intermediary in Respect of General Business. | Company Registration No. 42506. | Registered Address 50 Bucks Road, Douglas, Isle of Man, IM1 3AD | Copyright © Kestrel Insurance Services Ltd - 2012