Skiing holiday: Insurance coverage explained

The following insurance policies provide coverage for your ski holiday

Travel Insurance:

The EU Blue Card covers medical and hospital care in EU/EEA countries (Norway, Iceland, and Switzerland) but does not cover everything.  

Travel Insurance helps if you need to be transported home to Denmark after an injury, an illness ruins your holiday, you experience luggage delay, or you travel outside Europe.  

You can incorporate extra insurance add-ons to your Travel Insurance: 

• Cancellation covers you if you must cancel your trip due to illness or injury before departure.
• Suppose you bought your Travel Insurance AFTER 1.6. In 2022, you need Cancellation before you pay for the trip.
• Suppose you bought Travel Insurance BEFORE 1.6. In 2022, you need to add Cancellation coverage at least 12 days before departure to be covered.
• Supplement for skiing covers ruined holidays or compensates for lost days if you suffer an injury on skis or snowboard.

Add an extra cover to your Travel Insurance on My Page.

Read more about IDA Travel Insurance.

Home Contents Insurance:

Your Home Contents Insurance covers: 

• The liability part covers if you rent ski equipment and accidentally damage it.
• It also covers if you injure other people or damage their equipment on the piste.
• The insurance also covers theft of your equipment, rented equipment or snowboard, sudden damage, or loss in transit. There is also the option to get coverage if the ski equipment is accidentally damaged. Check if sudden damage or accident is part of your insurance to get the coverage. You can see the sum insured on your insurance policy.

Your parents' Home Contents Insurance will protect you until you reach 18 years of age.

It's important to note that some EU countries require liability coverage for ski holidays, typically included in your existing Home Contents Insurance policy.

Please message us with your departure and return dates if you require confirmation of your liability coverage. We'll be happy to assist you.

Write to IDA Forsikring for documentation on your Liability coverage.

Read more about Home Contents Insurance.

Accident Insurance:

Accident Insurance covers injuries resulting in more than five per cent of permanent damage.

Suppose you have Direct Compensation on your Accident Insurance. In that case, you can receive cash compensation for breaking your leg or tearing your cruciate ligament.

Read more about Accident Insurance.

How insurance covers your ski holiday

You run someone else down: 

Home Contents Insurance provides coverage if you accidentally hit and hurt someone on the piste. 

Home Contents Insurance includes Liability coverage, which covers you if you cause damage to other people, animals, or property. 

Log in to My Page and report damage to your Home Contents Insurance.

You get injured skiing:

Travel Insurance provides medical treatment, medical transport, and, if necessary, repatriation if you have a ski accident. It also applies off-piste. 

Log in to My Page and file a claim on your Travel Insurance.

You get an injury that causes permanent disability: 

Experience a skiing accident resulting in a permanent and deteriorating physical condition. You may be eligible for compensation from your Accident Insurance.

However, your permanent injury must result in a disability of 5% or more, determined by a medical assessment. You may be entitled to compensation if the injury causes a permanent condition.

Log in to My Page and file a claim.

Avoid injuries on your ski holiday

Please ensure that you have the appropriate safety equipment when skiing, as it reduces the risk of injury.

Whether you are an experienced skier or a beginner, an adult or a child, wearing an approved ski helmet, back protector, and goggles is highly recommended.

Additionally, if you are a beginner snowboarder, please use wrist guards to prevent potential wrist injuries.

In addition, the following aspects prevent ski injuries: 

• Good physical condition
• Good knowledge of the piste rules
• Right ski fitting. If a ski binding is too tight, the ski will not release the boot during a fall. If necessary, get help from the renting or ski shop to adjust them adequately.

Take care of your skis or snowboard

Are you travelling with your skis or snowboard? Prevent theft. Buy a lock to secure your equipment while having lunch on the piste.