| As the days grow shorter and summer
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| | require insurance - and your own policy
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| becomes a memory, many of us will be
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| | is likely to be cheaper than the standard
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| turning our thoughts towards planning a
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| | one they'll try to sell you.
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| winter vacation, especially one involving
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| | - Liability
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| winter sports such as skiing. Travel
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| | Even the best skiiers or snowboarders can
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| insurance is an often overlooked part of
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| | be involved in an accident in which
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| holiday planning, but if you plan on
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| | someone else gets injured. Whether or not
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| taking part in sporting activites then it
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| | an accident is your fault, you could end
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| really is essential.
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| | up being taken to court and this is
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| A normal travel insurance policy will
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| | usually a long and expensive process. A
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| probably not be up to the standard you
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| | decent insurance policy will cover costs
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| need for winter sports, and if things go
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| | from any legal proceedings and / or
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| wrong you could be left facing a huge
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| | compensation payments.
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| bill. So what features should you be
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| | - Closure of Piste
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| looking for in a policy?
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| | If bad weather (or warm weather!) means
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| - Injury Cover
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| | that the pistes are closed and you can't
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| No matter how accomplished a skiier you
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| | ski, your policy should pay you
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| are, hurtling down a mountain is always
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| | compensation to cover the costs of any
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| going to be more risky than simply lying
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| | pre-booked lessons or lift fees, and many
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| on a beach working on a tan. And if you
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| | will even include a payment simply to
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| do have an accident, a mountainside isn't
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| | cover the inconvenience of not being able
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| the easiest place for medical services to
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| | to ski.
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| reach. If you're unlucky enough to need a
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| | - Off Piste
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| mountain rescue or airlift to hospital,
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| | A final point to note is that a standard
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| you'll be facing a bill running into the
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| | winter sports policy will probably only
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| thousands even before you get medical
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| | cover you for accidents that occur when
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| attention. This sort of expense is likely
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| | skiing on designated pistes. If you plan
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| to be specifically excluded on a standard
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| | to go off-piste, then make sure your
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| insurance policy, but will be an integral
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| | insurance will cover this - you'll
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| part of almost any winter sports cover.
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| | probably have to pay a supplement.
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| - Equipment
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| | As with most kinds of insurance, paying
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| Most winter sports require expensive
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| | out for travel insurance can seem like a
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| equipment, and where there are valuables
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| | waste of money. However, if you find
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| there's always the chance of theft. Your
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| | yourself caught up in an accident on the
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| insurance should provide enough cover to
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| | mountainside then the costs involved can
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| fully replace your equipment with brand
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| | be truly frightening and you'll be glad
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| new items if necessary, right there at
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| | you took the time to arrange adequate
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| the resort. Even if you plan to hire your
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| | cover in advance!
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| equipment, the hire company will probably
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