Most skiers have heard that you need to take out liability insurance to hit the slopes in Italy. However, few people know that this insurance can be included to property insurance contract. New for the 2024 season is a certificate in your mobile phone.
It is useless to pay twice for one insurance
For two years now, Italy has had a law on skiing and snowboarding. Skiers must take out liability insurance for damage they cause to third parties. “Liability insurance is often part of a property insurance contract,” points out Martin Podávka, product innovator at Pillow Insurance. “Just check that the territorial validity of such liability insurance is Europe and that the sum insured is at least in the millions Crowns. Then it is useless to buy liability insurance for skiing in Italy again in the travel insurance. Just choose the cheaper non liability option and save money.”
For example, Pillow insurance company offers three liability insurance options in addition to its property insurance, and two of them have European territorial validity. “We also recommend setting an insurance limit of at least CZK 10 million. The optimal limit is CZK 25 million, which will cover most accidents with permanent consequences caused to other persons,” advises Martin Podávka.
Certificate electronically on your mobile phone
The skier or snowboarder must show proof of insurance at the time of control. Unlike the so-called green card for motor third-party liability insurance, there is no standard for the “ski” certificate. “Pillow clients easily fulfil the obligation to present the certificate. In the mobile app they have information about the insurance taken out. On the screen, they can view information about the concluded insurance in 4 languages – Czech, English, Italian and German,” explains Martin Podávka.
Displaying the “green card” for skiers in the Pillow app in different languages
Of course, Pillow is also thinking about an offline version. “There is also a multilingual PDF certificate that can be printed out before the trip and a copy left in the pocket of each family member on the tour. This is because Pillow third-party liability insurance applies not only to the insured person, but also to all persons living in the same household,” explains Martin Podávka.