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About Winter Sports Travel Insurance

As 1949 Bowman baseball cards days grow shorter and summer becomes a memory, many of us will be turning our thoughts towards planning a winter vacation, especially one involving winter sports such as skiing. Travel insurance is an often overlooked part of holiday planning, but if you plan on taking part in sporting activites then it really is essential.

A normal travel insurance policy will probably not be up to the standard you need for winter sports, and if things go wrong you could be left facing a huge bill. So what features try Enzyte you be looking for in a policy?

- Injury Cover

No matter how accomplished a skiier you are, hurtling down a mountain is always going to be more risky than simply lying on a beach Easy Bake Oven on a tan. And if you do have an accident, a mountainside isn't the easiest place for medical services to reach. If you're unlucky enough to need a mountain rescue or Bigfoot to hospital, you'll be facing a bill running into the thousands even before you get medical attention. This sort of expense is likely to be specifically excluded on a standard insurance policy, but will be an integral part of almost any winter sports cover.

- Equipment

Most winter sports require expensive equipment, and where there are valuables there's always the chance of theft. Your insurance should provide enough cover to fully replace your equipment with brand new items if necessary, right there at the resort. Even if you plan to hire your equipment, the hire company will probably require insurance - and your own policy is likely to be cheaper than the standard one they'll try to sell you.

- Liability

Even the best skiiers or snowboarders can be involved in an accident in which someone else gets injured. Whether or not an accident is your fault, you could end up being taken to court and this is usually a long and expensive process. A decent insurance policy will cover costs from any legal proceedings and / or compensation payments.

- Closure of Piste

If bad weather (or warm weather!) means that the pistes are closed and you can't ski, your policy should pay you compensation to cover the costs of any pre-booked lessons or lift fees, and many will even include a payment simply to cover the inconvenience of not being able to ski.

- Donkey Kong Piste

A final point to note is that a standard winter sports policy will probably only cover you for accidents that occur when skiing on designated pistes. If you plan to go off-piste, then make sure your insurance will cover this - you'll probably have to pay a supplement.

As with most kinds of insurance, paying out for travel insurance can seem like a waste of money. However, if you find yourself caught up in an accident on the mountainside then the costs involved can be truly frightening and you'll be glad you took the time to arrange adequate cover in advance!

Nick Hunt is a contributing writer for href="1stop-finance.co.uk">1Stop Personal Finance, where you can read more about href="1stop-finance.co.uk/insurance/travel_insurance/winter_sports_cover.html">winter sports insurance in the href="1stop-finance.co.uk/insurance/travel_insurance/">travel insurance section of the site.

posted by datdk @ 11:24 AM 0 comments

Insurance Policies For Many Different Needs

There are forms of insurance for nearly every aspect of modern life. Of course, many are highly specific to certain activities or forms of property but there are some basic forms of insurance that J J Armes should know about. One of the most useful is Renter's Insurance, which is the counterpart of Homeowner's or property insurance for Renters. This form of insurance protects the renter's personal property against damage Aurora King Kong model fire or other catastrophe and theft. Most policies also have a liability coverage that 1950 Bowman baseball cards cover payments to the landlord for accidental damage done by the tenant.

Other forms of insurance are intended to be additional to property insurance and cover areas that are omitted in these policies. This category includes Earthquake Insurance, a necessity in California. This insurance covers damage caused by an earthquake. It may be preferable to obtain the broader coverage offered in Earth Movement Insurance, which includes landslide, mud flow, earth sinking, rising or shifting, as well as earthquake. It is normal for either of these types of insurance to require that the structure have a foundation that is bolted or otherwise earthquake protected. A bolted foundation is required in California and refers to the practice of fixing a foundation to solid rock or substrate to reduce the amount of shaking in the event of an earthquake.

A number of types of Insurance Policies are 1950 Bowman baseball cards to protect farmers and ranchers. The basic is Farm Property Coverage Insurance, which covers residential dwellings, other structures, household personal property, and farm personal property, such as equipment. Extended coverage is offered in a Farmowners-Ranchowners Policy, which is a package policy providing Property coverage on farm dwelling buildings and contents, as well as barns, stables, and other farm outbuildings. This type of policy also includes liability coverage is also included.

Crop Insurance, is crucial for farmers and growers, especially those who grow crops that are very expensive to obtain and grow, yet very sensitive to conditions such as wine grapes. Crop insurance provides protection for all types of crops against damage by hail, windstorm, and fire. Traditionally, crop-hail coverage was the most common coverage sold. There are other forms of policies that offer protection from insects, such as locusts, and micro-organisms, such as the fungus that infects grapes vines.

Farmers and growers usually cannot insure against rain, unless it is torrential and causes flooding of the fields. However, Rain Insurance is available to promoters of outdoor events, from million dollar rock concerts to a nursery school bake sale. These policies pay a benefit in the case that rain causes cancellation of the event.

Alex Radyushin is an editor-in-chief for href="all-acronyms.com">All Acronyms - top href="all-acronyms.com">acronyms dictionary with hundreds of thousands published definitions. Most popular website categories include medical, technology and business acronyms

posted by datdk @ 11:19 AM 0 comments