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Insurance ski : do I need a card snow ?

Before bringing your suitcase to reach the snow-covered peaks, examine carefully your insurance contracts. You're looking to take a vacation in February to ho

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Insurance ski : do I need a card snow ?

Before bringing your suitcase to reach the snow-covered peaks, examine carefully your insurance contracts.

You're looking to take a vacation in February to hone your technique of planting stick, walking the cross-country ski trails, or discover the massive rackets ? To avoid disappointments, make sure to check that you are insured for all activities. In case of a problem, for example, if you get lost on the peaks, if you break or steal your equipment or, worse, if you are the victim of a serious fall, a warranty mountain will pay all or part of the claim.

But before you subscribe to the "carte neige" to your station, make sure that you are not already covered by another contract. Here are the three available to the majority individuals and that already provide guarantees interesting. They will save you from 15 to 50 euros per week for a complementary insurance. On the other hand, the latter will be essential if you are going on a family vacation, or spend your holidays abroad, because it will ensure a more comprehensive coverage.

Think about insurance for your home

contracts homeowners incorporate useful guarantees for your holiday in the mountains. All offer a civil liability, which allows to compensate the victims of an accident for which you are responsible (collision on the tracks...). These insurance policies will assist you also if you're lost in the middle of a massive, putting in place a plan for rescue and search to find you. in Attention, depending on the case (negligence, failure to follow instructions...), all the expenses may not be reimbursed.

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the Last possibility in the contract the most complete insurance for your recreational supplies. It allows you to be reimbursed for your equipment broken or stolen (subject to conditions).

To : the contracts that homeowners cover all people of your family who live at your home, on the condition that their names be indicated on the certificate.

auto insurance supplement

You're gone to the mountain with your own car, you are the only insured driver, but an accident prevents you from resuming the steering wheel (arm or leg broken...). Some contracts auto manage the care of your vehicle. In the event of a claim, they send you on your holiday place a driver responsible to take home with you, so that you need to pay repatriation costs.

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To : only contracts the most complete provide for such a guarantee. If it is not in yours, you can ask your insurer if it is possible to subscribe to an option.

cards golden to look in detail

Visa cards (Premier, Platinum or Infinite) and MasterCard (Gold, Platinum or World Elite), which include the equivalent of a "carte neige" that you could subscribe to the resort. Be careful : they only work for stays at more than 100 kilometres from your home. They will not cover you if, for example, you live in Lyon or Grenoble, and that you are leaving in a station close to the Alps.

in order To get reimbursed by the insurance from your credit card, you must pay all or part of the stay (according to the terms and conditions set by your bank) with. On the other hand, to take advantage of the assistance that it offers, it can just be part of the beneficiaries (see below).

If your holiday is taken care of, the collateral mountain of your high-end card include both a component of assistance, which you provide assistance in the event of a problem, and insurance, which reimburse all or part of the sums involved. In the event of an accident, the first one will take, for example, the costs of research (except in some cases, such as off-piste without a guide), back on tracks, medical evacuation and repatriation to home...

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The insurance reimburse you for certain expenses, for example the days of the lift pass or rental of skis that are not used (because of your accident), in the case of your equipment... be Careful, as each guarantee is subject to a coverage limit, check to see if it is sufficient. If you go off alone in France, this will probably be the case. But if your whole family is a victim of the same disaster (theft of skis, etc.), the ceilings will likely be insufficient and you will want to purchase an additional warranty.

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To : if you are the holder of a credit card from the top of the range, his "carte neige" also covers the members of your family : spouse, partner, civil partner (same address) and children under the age of 25 years for tax purposes at your expense.

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