We all know someone who has had an accident on the slopes. We just hope they had skiing travel insurance… Picking up a severe injury is, thankfully, a rare occurrence. That doesn’t mean you should skimp on purchasing insurance cover as there’s no sure-fire way to prevent an accident. You’ve heard the horror stories of those without insurance paying thousands in medical costs and it doesn’t even bear thinking about. If the worst does happen, then making a claim is one of the first things to do, but should you be afraid of calling your insurer? Not at all! They’re here to help. Although, what it can be good to do is have an idea of the process. That in mind, here’s a list of the essential things to do in the aftermath of an accident.
Remember your documents
After hitting the shops for some last minute goodies to make you look in tip top shape on the slopes, make a list of everything that has to go in the case and put your skiing travel insurance documents at the top of that list. These absolutely have to be inside your luggage, as the policy is almost useless if an accident happens and you have no number to call.
These days you don’t even need to print the policy off. Just download the PDF of the policy documents to your smartphone or tablet, save them in a safe place and even put the number of the insurer into your phone book. Store it under a name like ‘Insurer – EMERGENCY NUMBER’. That way, if you’re injured and someone else has to use your phone, the number will be as easy to find as possible.
Having the documentation makes it that little bit easier to do the next step…contact the insurer.
Call the insurer straight away
Medical emergencies out on the slopes are the main reason that people choose to get skiing travel insurance and, no matter the insurer you go with, they should have a 24-hour helpline for emergencies. It’s there for you to call, if an accident involving you or a loved one takes place then never delay in picking up the phone.
One of the major reasons to call immediately is that medical treatment received abroad always costs a lot more than our trusty NHS. For example, you get rescued by a helicopter in the depths of the Alps and it will cost thousands. Your insurer needs to approve of these costs and getting in touch with them early on starts the claims process.
Keep all your receipts
Realistically, calling your skiing travel insurance provider up after an accident out on the slopes is never 100% possible. Be that because the accident is so bad or you have no contact details, we know that being close to the slopes isn’t the ideal place to contact the outside world.
In cases like this, keep all the receipts and correspondence that the hospital or medical centre gives you. In certain emergencies you will foot the bill and to get anything back at a later date to cover the bills you need to have proof. Take photos of receipts and ask the hospital to speak to your insurer if you can. Just remember to keep something or it will be almost impossible to get compensation from your skiing travel insurance provider.
Provide as much evidence as possible
Think of a skiing accident in the same way you do a car crash that is not your fault: document absolutely everything that goes on. Photograph and record where the accident took place, write down your version of events and make note of anything unsafe that contributed to the unfortunate series of events.
Providers of skiing travel insurance in the UK will be happy to accept anything that you can tell them as part of your claim and the more detail that you give can translate into the claim being dealt with more quickly.
Remember The Excess
When all is said and done, your treatment was a success and you’re back home with a pile of unused ski equipment it’s also time to pay the excess. This cost covers the first part of any treatment you receive and is a common process used by the majority of insurers. How much you pay will vary depending on the price of the initial premium charged by your skiing travel insurance provider. Pay more up front and the excess is less, the same being the case the other way round.
Choosing not to pay the excess when making a claim is not an option. If you don’t pay, the insurer will not process your claim and this can especially acute when it comes to huge medical bills you have had to pay for yourself. Our advice: we recommend you pay your excess ASAP after an accident and don’t delay.