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Skiers buy insurance early to beat Brexit: top tips to get the best cover

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Nearly one in three British skiers hitting the slopes this season bought insurance early to beat the risk of a Brexit fallout hitting their plans.

Research by analytics firm Consumer Intelligence found 30% of regular skiers bought travel insurance earlier than usual over concerns that the UK’s planned departure from the European Union on 29 March could mean disruption at resorts.

Nearly half (45%) of skiers said they expect to pay more for travel insurance after Brexit.

The research follows a warning from the UK government that the European Health Insurance Card (EHIC), which entitles UK tourists to state-provided healthcare, may not apply in the event of a no-deal Brexit.

The advice for holidaymakers is to buy travel insurance “so you can get the healthcare treatment you need.”

John Blevins, Consumer Intelligence insurance pricing expert said: “Buying travel insurance when you book a trip makes sense as it provides cover against cancellation or for not being able to ski when you get to a resort.

“While Brexit uncertainty may have played a part it is encouraging that so many are buying insurance early so will be covered in the event of any issues.”

Top tips for buying ski insurance

• Look out for the type of skiing that your policy covers – some rule out off piste, racing or freestyle skiing.
• Check whether your policy specifies you wear a helmet.
• If you’re taking your own equipment, make sure it is up to date and well-maintained as faults with equipment can affect any claims.
• Look at where and when your equipment is covered – some policies exclude cover when your equipment is in the hold of an airplane.
• If you’re hiring equipment, paying for lessons and for lift passes, check the terms for what is called ski pack. If you need to claim because of illness or injury then ask for a doctor’s certificate.
• Check the terms on cancellation of your trip or having to cut it short – some policies will not pay out if you have to cancel or cut short a trip because of illness or injury suffered by friends or family.
• Check the conditions on piste closure – if it’s lack of snow, too much snow, high winds or avalanche risks policies will have definitions of what counts for a claim.
• Follow the rules of the mountain on the resort you go to.
• Keep a note of your policy number and have it with you on the trip.
• And take your EHIC if you are in an EU resort.

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