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Italy - Third Party Insurance Compulsory From January 1st

 Poster: A snowHead
Poster: A snowHead
From Trento Today:
The compulsory insurance for skiers will start from next January 1st (unless extended). The rule, contained in the legislative decree 40/2021, provides that "the skier who uses the alpine ski slopes must have a valid insurance that covers his / her civil liability for damages or injuries caused to third parties".
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
If you are coming from outside the EU (Uk, USA etc) you will have travel insureance so you are covered. Anyone living in an alpine country should have winter sports insurance so should be covered there. Myself I am a member of the French Alpine Club, so covered there.

This is a necessity as I have personaly come accross people having to be rescued in Italy who didn't have any insurance and there were many issues.
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 Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
Idris wrote:
If you are coming from outside the EU (Uk, USA etc) you will have travel insureance so you are covered..


I haven't checked yet but I don't think my annual travel insurance covers third party liabilities.
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Idris wrote:

This is a necessity as I have personaly come accross people having to be rescued in Italy who didn't have any insurance and there were many issues.


How does having cover for damage or injury to 3rd parties affect the situation you describe?
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 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
Red Leon wrote:
Idris wrote:

This is a necessity as I have personaly come accross people having to be rescued in Italy who didn't have any insurance and there were many issues.


How does having cover for damage or injury to 3rd parties affect the situation you describe?


It would cover the costs of the rescue helicopter paid for by the region (prefecture/state) of Aosta. Or thats what I was told in an official comunication from the French Union of Mountain Leaders
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Idris wrote:
Red Leon wrote:
Idris wrote:

This is a necessity as I have personaly come accross people having to be rescued in Italy who didn't have any insurance and there were many issues.


How does having cover for damage or injury to 3rd parties affect the situation you describe?


It would cover the costs of the rescue helicopter paid for by the region (prefecture/state) of Aosta. Or thats what I was told in an official comunication from the French Union of Mountain Leaders


Thanks. That’s generally covered by a Winter sports extension to a travel policy and isn’t really ‘injury or damage to 3rd parties’, though.
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 Then you can post your own questions or snow reports...
Then you can post your own questions or snow reports...
Anyone who wants to look up the legislation and try to understand (or Google translate) it should go to:
https://www.normattiva.it/uri-res/N2Ls?urn:nir:stato:decreto.legislativo:2021;040

Article 30 of the legislation says:
Art. 30

Assicurazione obbligatoria

1. Lo sciatore che utilizza le piste da sci alpino deve possedere una assicurazione in corso di validita' che copra la propria responsabilita' civile per danni o infortuni causati a terzi. E' fatto obbligo in capo al gestore delle aree sciabili attrezzate, con esclusione di quelle riservate allo sci di fondo, di mettere a disposizione degli utenti, all'atto dell'acquisto del titolo di transito, una polizza assicurativa per la responsabilita' civile per danni provocati alle persone o alle cose.

Quite simply, every sale of a lift pass must be accompanied by the offer of 3rd party insurance and everyone will be insured (if found not to be insured, the lift pass will be confiscated).
Europ Assistance have an offer of €2.50 per day, I haven’t looked at Carte Neige

There are lots of paragraphs wjhich include:
Mandatory helmet (of an approved design) for U-18s
It is obligatory to stop and assist those “in difficulty”
It is forbidden to walk (or snowshoe) on pistes unless necessary
Recreational use (as against service or emergency use) of snowmobiles on ski runs is out
In the event of a collision between two or more skiers, all are presumed (initially) to hold equal responsibility.
All the Italian Police forces (Polizia, Carabinieri, Customs, local police) have competence to enforce all aspects of the law
Drink/drug skiing is an offence – probably to the same levels and checks as driving (including breathalysers!)
Paragraphs cover skiers with varying levels of disability and their helpers, including precedence at queues. They will be identified by orange tabards or similar.
Various requirements of the law will not apply to cross-country.
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 After all it is free Go on u know u want to!
After all it is free Go on u know u want to!
Third-party liability only covers you against claims from others, when you have caused an accident / damage. So this is similar to the UK requirement for compulsory third-party motor insurance.

Nothing to do with personal medical/hospital treatment, rescue etc.
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I’ve just checked my annual policy with Insure & Go. Looks like it’s covered under the Personal Liability bit for £2M. It’s a bog standard policy with winter sports cover so I’m guessing most would have similar. Time to get reading your policy documents.
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Just checked our current travel insurance, and it says it covers death or injury to any other person up to £2M. There are some exemptions (mostly due to illegal activity or relating to things that should have been separately insured) but it doesn't exclude winter sports. Last time I skiied in Italy we were insured with a different company, but I imagine it was similar.
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This is already offered at the resorts I've been to in the VDA. La Thuile normally has it for a couple of euros extra a day iirc so no real change other than them making it compulsory.

Who can complain anymore about anything in a covid world..I'd pay 20/200 a day more just to be able to ski!!
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 And love to help out and answer questions and of course, read each other's snow reports.
And love to help out and answer questions and of course, read each other's snow reports.
Sweedish wrote:
This is already offered at the resorts I've been to in the VDA. La Thuile normally has it for a couple of euros extra a day iirc so no real change other than them making it compulsory


I think there’s a degree of confusion here.
According to the OP, "the skier who uses the alpine ski slopes must have a valid insurance that covers his / her civil liability for damages or injuries caused to third parties". That liability is usually covered by travel insurance which locals won’t generally have, hence the new requirement, I suspect.

But that’s not, AIUI, what carre neige & similar schemes (“a couple of euros extra a day”) is for - they cover evac & some medical costs, not 3rd party damage / injury.
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 So if you're just off somewhere snowy come back and post a snow report of your own and we'll all love you very much
So if you're just off somewhere snowy come back and post a snow report of your own and we'll all love you very much
I've now read our annual policy with LV and it does cover third party risk, provided you have taken out the winter sports add-on. Without winter sports it wouldn't include cover for third party risk.

It will be interesting to see if there is any enforcement, either spot checks on the slopes or when purchasing a lift pass.
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 You know it makes sense.
You know it makes sense.
@Red Leon, most "locals" I know, like me and toh have 3rd party insurance ...
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 Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
If you are a member of one of the alpine clubs such as CAF or AAC you will probably find that the membership provides both accident cover and 3rd party liability and legal cover.
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 Poster: A snowHead
Poster: A snowHead
under a new name wrote:
@Red Leon, most "locals" I know, like me and toh have 3rd party insurance ...


Assuming you meant to say, “(we) have 3rd party ins” and that’s normal for most people who ski in their own countries (ie. ‘Travel’ ins not deemed necessary), then I’m not sure who the new regulation will be aimed at.
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
Red Leon wrote:
Sweedish wrote:
This is already offered at the resorts I've been to in the VDA. La Thuile normally has it for a couple of euros extra a day iirc so no real change other than them making it compulsory


I think there’s a degree of confusion here.
According to the OP, "the skier who uses the alpine ski slopes must have a valid insurance that covers his / her civil liability for damages or injuries caused to third parties". That liability is usually covered by travel insurance which locals won’t generally have, hence the new requirement, I suspect.

But that’s not, AIUI, what carre neige & similar schemes (“a couple of euros extra a day”) is for - they cover evac & some medical costs, not 3rd party damage / injury.


The policy I mentioned does cover third party liability amongst other things...

https://www.lathuile.it/en/insurance.html

'Snowcare is the most known ski and snowboard insurance in Europe the only insurance policy for injury and third party liability (RC) for ski and snowboard '
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 Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
Red Leon wrote:
under a new name wrote:
@Red Leon, most "locals" I know, like me and toh have 3rd party insurance ...


Assuming you meant to say, “(we) have 3rd party ins” and that’s normal for most people who ski in their own countries (ie. ‘Travel’ ins not deemed necessary), then I’m not sure who the new regulation will be aimed at.


I guess there will be a minority of current snowsports holidaymakers who choose not to take out insurance, just as there are those who drive without insurance. That's a problem when they cause injury to others, so maybe this is what the law is aimed at
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@Red Leon, a reasonable question. I would suggest maybe the one week a year Milanese?
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 Anyway, snowHeads is much more fun if you do.
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@under a new name,

That sounds reasonable.
If that’s the case, it’s not really an issue for the average SnowHead (not that any of us is average, of course Toofy Grin ) to worry about.
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Bah. It says that in order to ski a black run I have to be in good physical nick. In 19 years of skiing I've never been in good physical nick! Skullie

I wonder how they're planning to enforce that... Puzzled
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