Attention winter sports enthusiasts: Why you should check your insurance cover before your skiing holiday - tips from the financial expert

Attention winter sports enthusiasts: Why you should check your insurance cover before your skiing holiday - tips from the financial expert

According to a report by www.waz.de, skiers in Italy have had to provide proof of valid private liability insurance since 2022. If this proof is missing, there is a risk of a fine of 150 euros.

For skiers, this means that they should check their insurance coverage before their vacation in Italy. A corresponding proof of insurance can be requested from your insurer or insurance broker and must contain information about the insured persons, the insurer and the insured sum in German and Italian.

If no proof of insurance is available, slope operators must offer skiers the opportunity to take out insurance on site. The lack of private liability insurance can not only lead to a fine, but also to additional insurance costs on site.

In addition to liability insurance, skiers should also check their international health insurance. This can cover the difference between treatment costs abroad and in Germany. Furthermore, according to the General Association of the German Insurance Industry (GDV), statutory health insurance usually only covers the costs of a helicopter mission if it was necessary for medical reasons. If no other insurer provides coverage, private accident insurance can cover, among other things, the costs of rescue and search and rescue services.

Overall, it is important to check not only your liability insurance, but also other insurance policies in advance of your skiing holiday in order to avoid unpleasant surprises and additional costs.