Temporary insurance: what and why to do it


When we talk about temporary insurance we mean an insurance coverage equal to the classic one, with the same benefits, but with a limited duration. Why should a person be interested in taking out one? In the case of that for cars, for example, it can be convenient for those who drive little and rightly do not want to spend the same money as those who use the car every day.

Or, as regarding theYolo temporary insurance dedicated to skiers, it can be the optimal solution to enjoy a weekend in the mountains in peace.

So let’s see in more detail why and how to activate temporary insurance without effort.

What is temporary insurance and what is it for?

As anticipated, temporary insurance provides a shorter period of validity, which can go from day to month, and from quarter to semester, depending on what has been agreed with the insurance company.

The main advantage to take out a policy of this type concerns its economic convenience to which is often added the possibility of being able to do it quickly by connecting to the insurance agency’s website.

Between types of temporary insurance the most common are those for:

  • auto, with characteristics identical to the RCA but with limited time coverage;
  • House, in case of earthquakes, floods, domestic accidents or attacks inside the home;
  • animals, with reimbursement of veterinary expenses and civil liability for damage caused by animals to third parties;
  • sport, per all medical expenses relating to injuries resulting from sports activities;
  • trips, dedicated above all to the management of claims relating to baggage or travel to particular areas, such as the Schengen area;
  • sci, essential (and mandatory from January 2022) for anyone who does winter sports at an amateur level and for a limited period.

Yolo temporary insurance: convenience and safety

A great example of temporary insurance offers this Yolo with her Ski policy. Since it will soon be mandatory for those who ski for short periods to have it by law, one of the key requirements must be the ability to activate it in a short time.

Yolo in this regard allows you to immediately turn on your temporary insurance from its site. Just select the number of people to be insured and the desired period in the estimate calculator and, after about 30 minutes from the payment, you can take advantage of your ski insurance.

Yolo’s ski insurance policies are that basic SCI Silver and the more complete SCI Gold, with a coverage period of 1, 2 or 6 days, or seasonal (valid from November 1st to April 30th).

Both indemnify in the event of injuries, suffered or caused, which occurred in the snow during the amateur practice of winter sports, such as alpine and cross-country skiing, snowshoes, snowboarding or ice skating. However, claims arising from events occurring outside the ski resorts, such as off-piste, are excluded.

The various benefits of Yolo ski insurance include:

  • Reimbursement of medical expenses
  • The hospitalizations
  • Wheelchair and crutches rental
  • Travel assistance through telephone medical advice and specialist visits
  • Transport or return for health reasons
  • The extension of the stay
  • Civil liability for damage to third parties and property of third parties
  • The costs of transport by ambulance or helicopter
  • Reimbursement of hotel, ski pass, lesson and equipment rental expenses

Of the two options, however, only Gold also provides for the reimbursement of legal expenses, compensation for bone fractures and hospitalization per diem.

The minimum requirements for taking out Yolo ski insurance concern theage, which must be between 4 and 70 years old, and the residence or domicile in Italy or in one of the countries of the European Economic Area.


Source: RSS DiariodelWeb.it Economia by www.diariodelweb.it.

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