Ensuring my ski rental: what are my obligations?

To prepare your rental when you go skiing, read the rental agreements before signing. In addition to the situation with respect to the slopes, the comfort and the prices, the question of the insurance is important.

Even if you intend to spend the whole day down the slopes, a small accident can still happen very quickly before your departure for skiing or returning from a day outdoors. Spilling a cup of coffee on the mattress or sofa, letting the tub overflow, or start a fire with a cigarette or candle Christmas ... So in this case, how are you covered?

When insurance is provided for in the contract

For all small damages easy to repay, there is the deposit. Insurance does not intervene. On the other hand if it is question of fire or water damage, even if it is not compulsory an insurance is essential. Indeed, compensation for damage can quickly be very expensive.

To be sure of being covered against these "rental risks", the landlord may have included an insurance component in his lease. In this case, by signing the contract and paying for your rental, you are automatically insured. In the event of a disaster, a report will be drawn up and the insurance will reimburse the damages to the victims (owner and neighbors if they are affected).


Abandonment of recourse

In the contract, there may also be a "waiver of recourse" clause. It means that the owner is insured and that he will not demand compensation. Be careful though, this clause does not solve the insurance issue if you have to compensate the neighbors. Unless it is added insurance "on whose behalf it will belong", which covers damage to neighbors and third parties.


Where insurance is not provided for in the contract

If the contract has not considered any insurance, the owner leaves this charge to the tenant. In this case, you have 2 phone calls to make: the first to the owner, to ask him clearly the question. And the second to your home multi-risk insurance, to find out if your usual contract covers seasonal rentals.

In fact, many home multi-risk insurance contracts include an insurance called "resort". It covers automatically, and without premium, rental risks in vacation rentals. If this is your case you can leave the free spirit, you are covered. If such a warranty is not present in your contract, consider adding this "one-time" warranty before you go skiing.