Travel insurance at affordable premiums

Snowboarding insurance

Snowboarding is a great deal of fun, if you like an adrenaline rush. However, there is no getting away from the fact that it is among the most dangerous sports. With this in mind before heading out with your board you may wish to ensure that you have adequate snowboarding insurance.

Traditional travel insurance may exclude snowboarding, so it is imperative that you look for a specialist wintersports travel insurance policy.

There are many factors to consider when choosing a policy. While you may be on a budget, at the same time adequate insurance is essential. If you do not have suitable insurance for your needs, you may find yourself having to find thousands of pounds out of your own pocket if the worst happens.

If you have an accident or injury, not only may you typically have to pay for your hospital bills (depending on where in the world you are) but if you have to be repatriated back to the UK in an air ambulance, you may be looking at costs running over and above £10,000. Without adequate insurance to fall back on this money would be hard to find and may leave you in a financial mess and serious debt.

Here are some things that you may wish to bear in mind when considering insurance:

  • insurance policies differ with providers, this applies to premiums and the level of protection offered. Therefore the cheapest policy may not necessarily be the most suitable for your circumstances;
  • a standalone specialist insurance provider may be able to help you find a good combination of affordable insurance, along with comprehensive cover;
  • while there is nothing to say that helmets are compulsory, it does make a lot of sense to wear one for your own safety. Around 75% of people said that they don’t wear a helmet at all times . Along with a helmet you may also wish to consider wrist guards and safety goggles for the eyes;
  • are you planning on going off-piste snowboarding? If so specialist insurance may be needed, and even so there may be restrictions or obligations, such as having to go with a qualified instructor;
  • are you planning on taking part in snowboarding races, heli-skiing or jumping? If so check to make sure that the policy is going to cover you;
  • do you take regular trips snowboarding? If you do you may be able to benefit from taking out annual winter sports insurance;
  • you might hold a European Health Insurance card . While this typically covers some, or all, of the medical costs in the event of an accident or injury in European Economic Area (EEA) countries and Switzerland, it doesn’t replace specialist insurance;
  • did you know that alcohol affects you differently when at high altitudes? It also affects how you feel the cold and you may not be as aware as you might if you had not been drinking. This may lead to an increase in risk of an accident or injury. It may also mean that you cannot make a claim if you were to suffer from an accident or injury while being under the influence of alcohol.

At Bengo Travel we understand the risks involved with a snowboarding holiday. We are able to help you choose snowboarding insurance that is going to be affordable, but which suits your needs down to the ground.

Further reading: Snowboarding insurance