The white gold rush still seduces many French people. This weekend marks the start of the winter holidays in zone C. A boon for professionals in the sector who announce an occupancy rate of 82% for the month of February 2022 in ski resorts. With this crowd, the risk of accidents on the slopes remains to be taken into consideration. During the 2019-2020 season, more than 110,000 traumatic accidents (with injury) were recorded, according to the report by the Mountain Doctors association. Collisions remain the cause of a quarter of head injuries, particularly head injuries. Before leaving, here are some questions to ask yourself about your insurance.
Does your insurance protect you in the event of an accident on mountain roads?
Since November 1, 2021 as part of the Mountain Law, motorists in mountainous areas must install snow tires or chains on their vehicle. A measure to reduce the risk of accidents related to bad weather. However, if you do not apply these recommendations, your insurance will cover this incident, with or without snow tires. Coverage of breakdown assistance, however, depends on the plan you have taken out (all risks, for example).
How does your insurance work in the event of injury after a collision with another skier on the slopes?
If you are the victim of an accident because of another skier, the civil liability of the home insurance of the person responsible will apply. However, it is also essential to protect yourself financially against the harm you cause to others. Make sure that your home insurance covers your civil liability. If it excludes ski accidents, you can take out an extended warranty with your home insurer or choose special ski or snow insurance. Depending on the formula, it guarantees reimbursement of medical or hospitalization costs, emergency and repatriation costs, interruption of stay and damage to skis.
How does your insurance work in the event of a serious accident and helicopter transfer to the hospital?
Social security does not reimburse the costs of air rescue on the slopes invoiced to the victim. However, you can check the level of cover provided by your mutual insurance company in the event of bodily injury. It can take into account medical expenses, your assistance and sometimes your repatriation. Your credit card is also able to insure you, but the guarantees often only work in the French ski area. A difference in support remains if the fall occurs on the slopes or during an off-piste session. Life accident insurance or an assistance contract will ultimately cover bodily injury related to skiing accidents, particularly in the event of temporary or permanent disability. If you are going on holiday to a country in the European Union or to Switzerland, for example, you can ask your health insurance fund or on the website www.ameli.fr, the European Health Insurance Card (EHIC). You will thus benefit from the assumption of responsibility for medical expenses.
You broke your smartphone during a ski fall, how is it insured?
Before you go skiing, you can take out smartphone insurance. It will guarantee the management of its theft and its breakage. However, in the event of theft, you must obtain a complaint from the police before requesting reimbursement from the insurance.
How does your insurance work for the breakage or theft of skis in the resort?
If your skis are damaged or stolen, but belong to you, they will not be covered outside your home. However, some banks offer an insurance solution for skis purchased with a gold or black bank card. For ski rental, you can take out special insurance, often offered by the sales consultant.
Owner of a chalet in the mountains, how are you insured for its rental?
If your home is insured, it remains protected against damage up to what its contract indicates. Several packages exist. If you are away from your accommodation for more than 60 consecutive days per year, you can take out a home insurance contract MRH (Multirisque Habitation) Secondary Residence. If you live in the accommodation and want to rent it out, the MRH main residence contract is still recommended. Finally, if you do not live in the rented accommodation, prefer a PNO (Non-Occupying Owner).
Be careful though, some insurers may refuse to cover damage if your residence is rented to vacationers, in Airbnb for example. Stay vigilant about the general conditions of his insurance.
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