Ski insurance

Jet

I'm off ski-ing to Finland in February with my 10 yr old son and am on the look out for insurance. It's a ski-ing holiday for one week and we won't be going off piste.

I've found this policy with travelplan direct and am not really sure if the cover is good enough or not. I don't want to be underinsured nor do I want to pay over the odds.

I'd appreciate any advice and apologise if the following information doesn't copy and paste well. :rolleyes:

Comprehensive Single Trip SectionCoverExcess1Personal Accident **(see below)(see below)
1Loss of one or more eyes or limbs Up to £25,000Nil
1Permanent Total DisablementUp to £25,000Nil
1DeathUp to £10,000Nil
2Hospital Benefit (outside UK)£20 per 24 hrs, up to £400Nil
2Return to Home (outside country of residence)Up to £3,500*
2Return to Home (within country of residence)Up to £1,500*
3Medical Expenses (outside country of residence)Up to £10,000,000*
3Additional Expenses (within country of residence)Up to £1,500*
4Loss of Deposit or Cancellation (for unused accommodation)Up to £5,000*
4Curtailment (for additional expenses following curtailment)Up to £3,000*
5Catastrophe BenefitUp to £500Nil
6HomeplanUp to £100 per household & 3 hrs labourNil
7Holiday AbandonmentUp to £5,000*
7Delayed TravelUp to £100 (£25 for each 12 hours of delay)Nil
8Missed Departure (outside UK & Europe)Up to £1,000 Nil
8Missed Departure (within UK & Europe)Up to £400Nil
14Personal LiabilityUp to £2,000,000Nil
15Legal ExpensesUp to £25,000Nil
16Scheduled Airline FailureUp to £1,500Nil

Personal Property & Money Cover
SectionCoverExcess9Personal Property Up to £1,750*
9Single item limit, pair or set£250*
9Valuables limit in total£250*
9Spectacles and Prescription SunglassesUp to £75£50
10Personal MoneyUp to £500 (£200 cash limit)*
12Delayed Baggage£100 per 24 hrs, up to £300Nil
13Passport & Driving License Indemnity Up to £350Nil


Wintersports Cover
SectionCoverExcess17Wintersports Equipment +Up to £350 for owned/£200 for hired*
17Replacement Wintersports Equipment£20 per day, up to £200Nil
17Ski PackUp to £150*
17Piste Closure£20 per day, up to £200Nil
17Delay Due to AvalancheUp to £200

poe.tuesday

how much is this insurance? as I just get an annual family worldwide with winter sports from money supermarket and it was something like £57 for all of us for the year - the other thing about finland is the other activies that you may want to do such as husky rides etc - a lot of insurance companies do not cover you for such activities (not because they are overly dangerous) mainly because they have not thought of covering them