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Our son took a jump while skiing, lamded badly breaking a ski and compressing a vertebra, needing five days in hospital, repatriation etc. I am filling in the claim form and in the box for "Summary of Incident" I have written:
"While skiing on piste in the family park my son took a jump and landed on the backs of his skis, causing a compression of a vertebra."
This is the simple plain truth of what happened but I can't help worrying that the insurers will try to wriggle out of covering us on some technicality, for example that he shouldn't have been jumping. Family parks are created in ski resorts for kids to jump and mess around in so accidents are to be expected, especially if the resort allows kids to use the parks without training or supervision. There were some attendants but he joined the jumping area some way down so there was no opportunity for anyone to warn him or tell him about the correct technique for landing.
Any thoughts from the STW oracle?
My son crashed whilst skiing?
Er, yes!
My son [b]fell[/b] whilst skiing.
The French doctor's report, which we must submit, says "fracture of the T12 vertebra following bad landing from a jump" so there's no point in pussy-footing around.
Firstly, hope he gets better and doesn't put him off skiing.
I'd look at your policy wording as it will clearly state where he was covered to ski. If a reputable ski insurer (snow card or BMC etc) then will be covered and I'd not worry about it.
More importantly was it some sweet air?
Thanks! Not really, he didn't know that you need to carry some speed so as to land on the landing ramp and you need to lean forward to resist the rearwards-twisting movement caused by the takeoff, so he slammed down vertically on his heels breaking off the back of a ski.
It certainly won't put him off skiing.
I'd still simply put down that he was just skiing and where when he had the accident, let the report do the defining, no point saying more than you have to
If he deliberately took a jump off a ramp (which is as it sounds) then yes, he took a jump.
If he skied over a rise (or jump that he wasn't aware of), got caught out and landed badly, say so.
Your 3rd paragraph: if he's not in a lesson and is a child, I'd expect you to be supervising him and stopping him from doing stuff he's not able to do safely. That said, I imagine a family park counts as part of the freely accessible ski area and so he's not skiing off-limits or any such that an insurer might wriggle through.
+1 for a speedy recovery
"He had an accident whilst skiing. "
Your insurance includes winter sports cover, yes?
Yes, winter sports cover.
He went down through the family park, which he and I had skied several times together using the side with the twisty bermed route. Mrs Gti was waiting outside for him. Half way down he spotted the jumps, thought "this looks good" and transferred over to the side with the jumps but lacked the experience to land correctly. So it was inexperience and misadventure that caused him to crash
read your policy. It's all about the policy.
was he wearing high viz?