24 February 2023
Ski insurance is as necessary as it is still an unclear topic for ski enthusiasts and ski lifts users, who are constantly looking for answers online. Questions such as these:
● How much does ski insurance cost?
● Is ski insurance necessary for skiing?
● Where do I get ski insurance?
● How does ski insurance work?
● What does the ski pass insurance cover?
In the following article, we will answer all of these questions. We will delve into the world of ski insurance and identify its advantages for skiers, the obligations required by law, the costs of the policy, and we will even provide you with a Decalogue for safe skiing.
The Italian Legislative Decree 40/21, which entered into force on January 1, 2022, regulates many new aspects of ski insurance, making having a public liability policy – RCT – mandatory for all ski and snowboard enthusiasts before enjoying ski lifts and slopes. More specifically, the Legislative Decree of February 18, 2021 reads:
“Skiers who use the alpine ski slopes must have valid insurance covering their public liability for damage or accidents caused to third parties”
Article 30, Legislative Decree no. 40 of 28 February 2021
The ski slopes user is now obliged by law to possess public liability insurance for damages or accidents that may be caused to third parties, including operators of slopes and lifts.
This type of mandatory ski insurance can be purchased from any insurance company, while mountain rescue insurance is not included and must be paid separately.
The Decree also introduces the obligation to wear a helmet until 18 years of age for those who practice alpine skiing, snowboarding, telemark skiing, sledging and tobogganing. It also prohibits skiing under the influence of alcohol (with fines ranging from 100 to 150 euros) or narcotic substances (much higher fines, ranging from 250 to 1,000 euros).
In addition to various regional regulations and the introduction of the compulsory helmet until the age of 18, it is essential to follow responsible conduct to ski safely.
This is why the Decree has also introduced Ten Commandments, good behavioural practices to be observed on the ski slopes and while using ski lifts.
Here is the Decalogue for safe skiing, in a nutshell:
1. Respecting others. All skiers must behave in such a way as not to endanger other people or cause damage.
2. Controlling speed and behaviour. The skier’s speed and behaviour should depend on skill level, on the conditions of the ski slope, weather, traffic density, and visibility.
3. Choosing a route. The upstream skier must choose the direction less likely to cause an accident with the downstream skier.
4. Overtaking. Skiers can overtake (with adequate space and visibility) both upstream and downstream, to the right or the left, provided that they leave enough space for the overtaken skier.
5. Entering and crossing the slope. Skiers entering the slope or resuming skiing after stopping must ensure that they can do so without endangering themselves or others. While crossing the slope they must give way to skiers coming from the right, unless otherwise provided.
6. Stopping. Unless absolutely necessary, skiers must avoid stopping on a slope in narrow passageways or where visibility is restricted. Skiers must stop on the side of the slope and, in the event of a fall, skiers must clear the area as soon as possible.
7. Climbing. Skiers can climb up or descend on foot only along the side of the slope, and only if absolutely necessary.
8. Respecting signs and markings. All skiers must comply with signs and markings on slopes, and must wear a helmet until 18 years of age.
9. Rescue. If an accident should occur, every skier is duty-bound to assist.
10. Identification. Anyone who witnesses or directly causes an accident must give their personal details to the rescue personnel.
Finally, always use safe and certified equipment. Even if you are an adult, wear a helmet to protect yourself.
You can easily purchase the “Vialattea Ski Noproblem” ski policy from Europ Assistance with the online ski pass for the Vialattea ski area.
The ski insurance covers two different types of insurance:
● compulsory coverage for public liability, for damage or injury that the skier may cause to third parties (including ski lift operators)
● non-compulsory coverage for medical expenses and reimbursement of ski equipment and ski pass in the event of an accident (plus assistance and transport back home).
For more details and information, you can consult or download the policy information set for daily users.
Here is the price list for the “Vialattea Ski Noproblem” policy of Europ Assistance:
● €3.50/day for ski passes valid 1 to 4 days
● €15,00 for ski passes valid 5 to 8 days
● €20,00 for ski passes valid 9 to 15 days
This ski insurance can be purchased with the ski pass at the ticket offices of the Vialattea international area, or online.
More information and details on costs, conditions and offers can be found on this page dedicated to the ski insurance policy. You can always contact the Vialattea team online via this direct contact form.