A sense of anticipation builds when the time comes for skis, snowboards and such like to come out of the cellar again. Anyone who has treated themselves to new equipment probably cannot wait to test out their purchase at the earliest possible opportunity on a beautiful winter’s day. Unfortunately, it is often the case that sports equipment is stolen, for example when skis are left outside the mountain hut during lunch. Fine if you are properly insured.
Household contents insurance also covers ski equipment. If you have included the supplementary 'simple theft away from home' cover, this will pay out for the loss or damage described. This also applies to rented skis, other sports equipment, luggage, smartphones, cameras and similar items. The insurance pays the reinstatement value, or the replacement value less the deductible. Provided the sum insured on this supplementary insurance is high enough. If you have treated yourself to expensive new snow sports equipment, it is worth taking a look at the sum insured. With the 'simple theft away from home Plus' supplement, the sum insured actually doubles if your stay involves at least one night away from home. It is also helpful to have the supplementary 'Waiver of gross negligence' cover, which at Helvetia is included automatically.
It is annoying not just when your skis are stolen, but also when they break. This risk can be insured directly by taking out ski breakage insurance when you buy your skis. But you can also take out the supplementary 'Household contents all risks' cover. By opting for this solution, you insure not only your winter sports equipment, but also numerous other household items, such as your bicycle, smartphone, other sports equipment and clothing. And not only if external impacts cause unforeseen and sudden damage, but also if you lose them.
Damage to equipment you have rented is covered by your private liability insurance. This insurance is even more important if you injure another person on the piste. The costs of treatment and lost income if the injured person is unable to work for a time can quickly sky-rocket. That's why private liability insurance with high sums insured of five or ten million is so important. It can secure your existence should the worst happen – as nobody can pay these high costs themselves. It is also worth including additional “gross negligence protection” insurance. This also covers the costs of any damage you cause by gross negligence.