Want peace of mind during your mountain holiday? Want to protect your vacation budget by being compensated in case of unexpected events or equipment issues? Don’t want to risk paying rescue fees in case of a serious fall?
For all these reasons, it makes sense to take out special ski insurance. Discover the different options available to skiers to stay well protected and limit expenses!
When you rent your ski equipment online with Sport 2000, you can select the "Theft, Damage, and Cancellation Insurance" option before completing your booking. This coverage protects you in the following situations:
The advantage of this ski insurance is that it covers several significant risks during a snow trip, allowing you to enjoy your holiday with peace of mind. It’s also very easy to subscribe online in just a few clicks, at a very affordable rate: only €1 per day for children and €2 per day for adults.
You can check all the terms and conditions of the multi-risk insurance to learn more about covered risks, exclusions, deductibles, and claims procedures.
In addition to the Sport 2000 multi-risk insurance, you can opt for insurance offered when purchasing or topping up your ski pass.
This mainly covers rescue operations on the slopes, including the cost of the rescue if it is not free, as well as medical expenses, hospitalization, repatriation, and reimbursement of ski passes and ski lessons for the insured (sometimes also for family members) for days not skied due to an accident.
These are general coverage conditions, but it is important to carefully read the terms and exclusions when subscribing to ensure that the insurance meets your needs. There are also sometimes different levels of coverage, depending on your budget, ski habits, etc.
Typically, it costs between €1 and €4 per day per person: a small fraction of your ski pass, but it can save you significant expenses in case of an accident.
While ski pass insurance can prevent high costs, it may not always be necessary. Depending on your health insurance, home insurance, or credit card contracts, you may already have all the coverage you need.
With your home insurance, you are covered under Liability Insurance (Civil Liability). In other words, if you accidentally cause damage to someone else, your insurance will cover the compensation.
However, liability insurance does not cover your own injuries, rescue costs for yourself, or damage to your equipment.
Before going on a winter sports trip, check the clauses of your insurance and credit card contracts. Several guarantees may already allow you to be fully or partially compensated without additional coverage:
Want to simplify your life and ensure you have all the necessary coverage for your mountain trip? You can take out a specific policy, often called “Snow and Mountain Insurance” or “Travel Insurance” (part of “Leisure Insurance”).
Coverage can vary depending on the company and plan, but here are some examples of situations and expenses covered by this type of policy, in France only or both in France and abroad:
In summary, before opting for specific ski insurance, check the coverage you already have through your current contracts. If it seems insufficient, you can supplement it with:
And don’t forget: even with the best coverage, it is essential to follow safety rules on and off the slopes, and it’s strongly recommended to wear a ski helmet!
Insurers may refuse to compensate you if they consider that you did not take the necessary safety measures.