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Insuring skis and winter sports equipment
14.11.2024 | Simon GantnerSnow attracts winter sports fans to the slopes – but are your skis, snowboard and sledge adequately insured? Whether equipment is stolen from in front of a mountain hut or damaged: the right insurance protects against expensive surprises.
Insuring skis and winter sports equipment
Theft of own equipment
Skis, snowboard, poles or helmet stolen? Your household insurance will cover the replacement if you have included a supplement for "simple theft away from home". This supplement to your contents insurance also applies to other household items – for example, your smartphone, camera or luggage. The insurance pays the replacement value, i.e. the cost of the item less the deductible. Provided the sum insured on this supplementary insurance is high enough. If you have treated yourself to expensive new snow sports equipment, it is worth taking a look at the sum insured. With the 'simple theft away from home Plus' supplement, the sum insured actually doubles if your stay involves at least one night away from home. It is also helpful to have the supplementary 'Waiver of gross negligence' cover, which at Helvetia is included automatically.
Ski breakage and other equipment damage
It is annoying not just when your skis are stolen, but also when they break. This risk can be insured directly by taking out ski breakage insurance when you buy your skis. But you can also take out the supplementary 'Household contents all risks' cover. y opting for this solution, you insure not only your winter sports equipment, but also numerous other household items, such as your bicycle, other sports equipment or clothing. And not only if external impacts cause unforeseen and sudden damage, but also if you lose them.
Damage to rented equipment or other people
Damage to equipment you have rented is covered by your private liability insurance. This insurance is even more important if you injure another person on the piste. The costs of treatment and lost income if the injured person is unable to work for a time can quickly sky-rocket. That's why private liability insurance with high sums insured of five or ten million is so important. It can secure your existence should the worst happen – as nobody can pay these high costs themselves. It is also worth including additional “gross negligence protection” insurance. This also covers the costs of any damage you cause by gross negligence.
