Winter sports are very popular, but they also carry considerable risks. Every year, thousands of skiers, snowboarders and tobogganers have accidents, often with serious injuries. While many accidents can be avoided by being careful and using suitable equipment, the question remains as to what insurance cover is appropriate. According to the Association for Consumer Information (VKI), some policies are essential, while others appear to be dispensable.
Private liability insurance is particularly important, as winter sports enthusiasts can be liable for high damages if they cause an accident. In Austria, this insurance is usually included in household insurance and covers claims for damages. Experts recommend a high insurance sum of at least 1,5 million euros. In addition, private accident insurance is recommended, which covers permanent damages following a fall or collision.
Special attention is paid to rescue costs, especially in the case of helicopter rescues, which are not covered by statutory health insurance. Private accident insurance, credit card insurance or memberships in alpine and motoring clubs can help here. Travel cancellation insurance can be useful for trips booked long in advance, while separate ski insurance for the theft of sports equipment is not worthwhile in most cases. The VKI recommends an individual risk analysis in order to avoid unnecessary premium payments and to protect yourself against scenarios that threaten your existence.
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