Working the season? What you need to know about insurance

Thursday, 29 June 2017
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A mid-year heatwave seems an unlikely time to think about the coming winter and the thousands of young Brits planning to spend the ski season working in the Alps.

But now is the time they should be finalising their work and travel plans, and their insurance.

Nobody yet knows what impact Brexit will have on future winters, but certainly for this one it’s business as usual.

There are two ways Brits can work the ski season:

Resort staff – employed by UK-based holiday companies and chalet owners, and sent to work in resort properties overseas.

Seasonaires – travel to Europe of their own accord and seek employment In bars, restaurants, nurseries etc.

Both categories need insurance for travel to and from Europe, and for illness, injury or other loss during their time overseas. Both should also have liability cover in case of accidental injury to another person or damage to property.

Resort staff insurance is taken out by the holiday company, on behalf of its staff.

Seasonaires have to take out their own insurance, effectively a long-stay travel insurance policy.

Things to look out for:

• Does the policy allow you to do all the activities you want – for example, skiing off piste?
• What happens if, for family reasons, you need to return home during your trip?
• Does the policy include emergency medical cover and repatriation if you become seriously ill or injured?
• Does the policy include liability cover?

As a general rule, you should never buy the cheapest policy: The reason it’s cheapest is usually because it provides the least cover and probably the poorest customer service.

 

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