Be covered with a Winter Sports policy

When you’re planning a winter holiday, you may be thinking of skiing, nordic walking or going on a reindeer sleigh.* But if you’re planning this type of holiday, it’s important to make sure your travel insurance covers your adventures.

You might want to consider adding Winter Sports cover, so you’ve got the reassurance that we’re there to help if the unexpected were to happen.

Get your quote online today, or if you’d prefer, talk to our friendly team on 0800 033 4902.

Why do I need travel insurance that covers winter sports?

When you’re off on a holiday that involves winter-themed activities, there’s the unfortunate risk of injury, more so than if you were relaxing by the pool in the sun.

Being covered for winter sports can reduce the unnecessary expenses of medical bills, if you have an accident during your activity, loss or damage of your equipment and other costs that you weren’t prepared for.

In 2017, 1 in 20 people made claims on their Annual Travel Insurance**. So, it’s more common than you might think to need to make a claim.

What does our Winter Sports travel insurance cover?

Comprehensive Comprehensive with Winter Sports cover add-on
Unlimited medical emergency and repatriation cover
Cancellation cover up to £15,000***
Cutting your trip short up to £15,000***
Baggage up to £2,500
Cash lost or stolen up to £500
Legal protection up to £25,000
Winter sports equipment up to £500
Ski pass up to £200
Winter sports equipment hire – £20 for each day, up to £300
Ski pack up to £250
Winter sports equipment delay – £20 for each day, up to £300
Piste closure – £20 for each day, up to £200
Avalanche or landslide £20 for each day, up to £160
Excess up to £65

What’s covered:

Winter sports’ equipment:

We will pay the above price for hiring replacement winter sports equipment, if yours were to be stolen, lost or damaged, during your holiday. Make sure you provide us with receipts and written confirmation of the original purchase and its replacement hire. We will take into account the age of your lost items to work out a claim.

Ski pass:

You’ll be covered if your ski pass, which you’re carrying (or left in a safety-deposit box or safe) were to be stolen, lost or damaged.

Ski pack:

We’ll cover the unused part of your ski pack, if you’re unable to take part in winter sports because of illness or injury (as long as you are medically certified as being unfit for your activity.)

A ski pack includes ski-school fees or ski instructor fees, and the cost of any lift pass that you have booked. You must make sure you have a Medical Certificate to send to us if you need to claim to state you couldn’t take part.

Winter sports’ equipment delay:

We will reimburse you if your equipment is certified by the carrier to have been misplaced for more than 12 hours on the outward journey of your trip.

Piste closure:

We will reimburse your costs for travel to an alternative safe area, if you are unable to participate in any activities at your pre-booked resort for more than 24 consecutive hours, because of insufficient snow causing total closure of the lift system.

Avalanche or Landslide:

We will cover you for the amount above for reasonable extra accommodation and travel expenses if avalanches or landslide affect the access to the ski resort, or public transport services are cancelled.
If you have any questions about what is covered, or you’re not sure about something, please call us on 0800 033 4902. We’re always glad to help.

See our winter sports resortsI am disabled. Am I still eligible for winter sports travel insurance?

As long as your doctor has told you it’s safe for you to do the activities you plan to do, and we can cover your disability, you’ll be eligible (if you have winter sports cover.)

Which winter sports are covered by travel insurance?

Looking for travel insurance that covers a variety of winter sports? You’ve come to the right place. Our winter sports travel insurance covers the following (on a non-competitive/professional basis):

  • Ice-skating (outdoor)
  • Glacier skiing
  • Guided cross-country skiing (Nordic Skiing)
  • Mono-skiing (on-piste)
  • Skiing or Snowboarding (off-piste but on recognised and authorised areas only)
  • Skiing or Snowboarding (on-piste)
  • Snowshoeing
  • Tobogganing

If you’re thinking of taking a husky-drawn sleigh, it is included as a standard activity, so you don’t need Winter Sports cover if doing that alone.

If you’re planning on enjoying a seasonal ride in an animal drawn sleigh (and aren’t planning on taking the reins), we can still cover you but we won’t be covered for personal accident or liability

Your policy can be extended to cover these activities for an additional premium, but won’t include cover for Personal Accident or Personal Liability:

  • Ice sailing/ice windsurfing
  • Sleigh pulled by reindeer (when driven by an experienced driver provided by the organiser only)
  • Snowmobiling (Ski-doo)

What activities are not covered by Winter Sports travel insurance?

We can’t cover the following winter sports:

  • Bobsleigh
  • Freestyle skiing
  • Heli-skiing
  • Ice hockey
  • Luge
  • Off-piste Skiing or Snowboarding outside recognised and authorised areas
  • Paraskiing
  • Skeleton, Ski jumping, Ski racing, Ski slope or Ski stunting

Does my EHIC cover me for Winter Sports?

If you’re travelling to Europe (all EU members plus Iceland, Norway, Liechtenstein and Switzerland), an EHIC is recommended by the government to reduce medical costs. It’s also a condition of our policies if you’re travelling to Europe. But an EHIC doesn’t act as substitute for travel insurance and won’t cover for winter sports.

An EHIC won’t cover you for all your medical costs, return to the UK or any private treatment you may need if the worst happens when you’re in winter wonderland.

We like to do things the right way and we’re sure you do too. Taking the extra precautions is surely worth doing, rather than taking risks when having fun in the snow.

If there is an avalanche risk, will I still be covered?

We want you to have a fun and safe holiday. You will not be covered if you participate in activities that are against local authority warnings or advice.

Resort authorities classify avalanche risk as follows:

1 = Low
2 = Moderate
3 = Considerable
4 = High
5 = Very High.

You are covered for low to moderate risk resorts rated 1 or 2. It’s always better to be safe than sorry. Is it really worth risking? We don’t think so.

Get your Winter Sports travel insurance quote today

Talk to us today on 0800 033 4902. Or, you can get a quote online in just a few minutes below.

Get Quote

*Activity is not covered if you are driving the vehicle, or for Personal Accident or Personal Liability.
**Based on 5.04% of Annual Travel Insurance policy holders claiming in 2017.
***Available on Comprehensive policies and subject to further underwriting criteria.