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 the skis. But you can also take out the supplementary 'Household contents all risks' cover. By opting for this solution, you insure not only your new skis, but numerous other household items, such as your bicycle, other sports equipment and clothing. And not only if external impacts cause unforeseen and sudden damage, but also if you lose them.
Damage to skis you have rented is covered on your private liability insurance. In this case, it is advisable to have the supplementary waiver-of-gross-negligence cover, as other people could be injured, especially if you cause an accident.
In the event of loss or damage, you should contact the insurance company as quickly as possible and clarify the next steps. You should also keep receipts and take photos to document possible damage. If something is stolen, we recommend reporting it to the police immediately.
Incidentally, a great tip from an attentive reader of our blog: the simple way to prevent skis from being stolen is to not put them in the same ski stand! You can well imagine that hardly anyone will steal a single ski.