Insurance for Ski or Snowboard instructors employed by ski schools abroad

Skicover.com are specialist providers of wintersports ski insurance for those people employed abroad as skiing or snowboarding instructors. Now, we have a lot of experience with this type of insurance especially as some of our staff have worked abroad teaching and  its important that those people who are looking for instructors insurance understand what they need and what they dont need.

So before you go off and buy yourself a policy we recommend you do a little "fact find" to understand what you need to provide cover whilst your away.

Questions you should be asking?

Does my employer provide any insurance benefits if you injure yourself at work?

This is important because most insurance policies bought by ski instructors provide cover for non paid activities only so its important that your are covered whilst you are at work or during your "daily commute".

If they do provide cover does it extend to your off duty time inc free skiing and leisure time?

Many ski schools abroad will provide medical cover and liability insurance whilst you are teaching but they wont provide cover in the daily commute to and from your office on the mountain or when your not at work. Pay close attention to the small print of your company wording as well because if you turn up for your daily roll call and end up without a class you need to ensure you covered until you get off the mountain.

If you are covered both at work and home by your employee, what about flying you home?

A key part of any insurance policy should include your medical repatriation costs back to the UK if your a seriously  injured whilst your away. Most overseas employers will treat as a local and as such your medical cover will provide assistance in resort and will not fly you home if your seriously ill or in the worst case arrange for you to be flown home in the event of a death.

Its also worth noting that in the event of a serious injury you need a policy that will arrange and pay for a family member to come out to assist you locally and during the journey home.  

So what insurance do you need?

The fact that you are reading this shows that you are aware of the risks and are looking for a solution. As to our part we can provide a complete package which covers you for the complete duration of your trip and includes the time you spend working on the mountain or we can provide a policy which just provides cover outside of working hours. Whilst this will be a cheaper option it does have its drawbacks as discussed above.

Remember as well that an insurance policy is also not limited to medical cover only and our policies provide a whole raft of benefits not covered by a normal employee scheme. Baggage, missed flights, lost passports, broken ski gear, the list gear goes on but what is evident is that we have schemes to complement what your employer on the mountain provides.

In all cases we think it's worth a quick chat with us to determine whats best for you. We are open 7 days a week from 9am in the morning until 8pm in the evening so give us a call as we do know what we are talking about.

Photo: Trysil Under licence.