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Winter sports and ski travel insurance

Mastering a set of skis can be tricky enough without having to master a complicated website to buy your insurance. Because we know you just want to get on and enjoy your trip, we've made getting winter holiday insurance as quick and simple as possible.

Our winter sports and ski travel insurance is available for one-off trips or multiple trips throughout the year. We can even cover activities like skiing, snowboarding, bobsleighing, and even skeletons for free when you buy an annual policy.

Whether you’ll be on the black runs or the beginner slopes, you can rest assured knowing that your winter sports insurance is one thing you won’t have to be worrying about.

What is included within our winter sports insurance?

Our winter sports travel insurance includes a range of different activities, from skiing and snowboarding to bobsleighing and tobogganing. Here's a list of all the winter sports activities we cover:

  • Skiing
  • Snowboarding
  • Bobsleighing
  • Glacier walking or trekking under 6,000m altitude
  • Ice climbing under 100m (supervised)
  • Ice fishing
  • Ice hockey
  • Lugeing
  • Skeletons
  • Snowmobiling
  • Tobogganing

(Note: Unfortunately, we’re unable to cover ski flying, ski jumping or ski mountaineering. Excesses may apply. For more information on what you’re covered for, see our full policy breakdowns.)


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We can cover your kids for free!

If you’re going away with your children, we can cover them on your policy at no extra charge, whether you buy an annual policy or single trip cover.

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Emergency? Call us:
+44 (0)207 748 0060

For everything else, contact us.

We do pet insurance now too

So if you've got a cat, dog or rabbit that needs insuring, get them covered today.

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Why do you need travel insurance for winter sports?

It's important to think about having a thorough winter sports insurance policy which will not only cover you in the event of an accident or injury, but will also cover your ski or snowboarding equipment if it gets lost or stolen. We know this is the last thing you want to think about when you’re looking forward to a winter break, but rest assured that we’ll have you covered.

What’s included in our winter sports cover?

First of all, did you know you could get winter sports insurance for free? Yes, free! We provide free cover for winter sports as part of our annual multi-trip insurance. Get cover for up to 10 days for Budget policies, 17 for Silver and up to 24 days for Gold and Black.

If you’re just looking for single trip cover then we offer ski and winter sports as an optional extra on all of our policies.

Some winter activities, which we class as being particularly hazardous, can carry an increased medical excess and won’t be covered under personal accident and liability. This includes ice hockey, ski acrobatics and a few more. For a full list, see the policy wording.

Unfortunately, ski flying, ski jumping and ski mountaineering are not covered on any of our policies.

What are you covered for when skiing?

 Our skiing insurance covers a range of skiing activities, including:

  • Off-piste skiing
  • Cross country skiing
  • Freestyle skiing
  • Cat skiing
  • Heli-skiing
  • Mono skiing
  • Recreational/non-professional ski racing or training
  • Ski acrobatics
  • Ski bob racing
  • Ski fun parks
  • Ski stunting
  • Ski touring with a guide

We’ll cover your stuff

Whether you take your own or hire equipment from the resort, we’ll make sure your stuff is covered. For skiers, this will include your skis, poles, boots and bindings, plus any helmets. We also cover snowboarding equipment for the shredders among you.

Your ski lift pass is sorted

If you lose or have your pass for the ski lift stolen, we’ll pay you the unused percentage of the cost of your pass based on its value at the time it was lost or stolen.

Off piste skiing?

Oh yes! We’ll even cover you off-piste.

As long as resort management have not identified the area as unsafe, then we’re happy to include all off-piste skiing in our ski travel insurance policies. So you can explore even further!

Is anything excluded?

Don’t leave your stuff unattended in a public place! Although this is probably self-explanatory, remember to be cautious – relaxed holiday makers make easy targets for theft. But don’t worry, you won’t need to be on high-alert your entire trip, as we don’t class the use of ski racks to be a public place. If you stop for a break between 10am and 8pm, just use the ski-racks as normal and we’ve got you covered.

Lastly, just make sure you let us know about anything that happens as quickly as possible. Any lost or stolen ski equipment must be reported to the police within 24 hours, so make sure to report any incident immediately to resolve the issue ASAP.

You can check through any exclusions you might be unsure of by checking our policy documents.

To choose the right skiing travel insurance policy for you, get a quote online or get in touch for more information.

Are there any restrictions to the winter sports insurance cover?

We have no age restrictions on our winter sports travel insurance at all.

We cover off-piste skiing and snowboarding, unless the area has been designated as unsafe by the resort. Unfortunately, we won’t be able to cover any professional-level ski racing or training, but this usually isn’t a problem (even if you think you’re the next Eddie the Eagle).

We will cover all skis, poles, snowboards, boots & bindings, and won’t sting you like some other companies for using ski racks! We won’t be able to cover sports equipment that is left unattended in a public place, but this is all covered in our policy documents.

Winter sports safety tips

Don’t let an accident on the first day ruin the whole week, remember a few simple tips and ensure a great time in the snow.

  1. Wear a helmet
    I know this seems like a really boring suggestion, but seriously – the amount of accidents and even deaths caused by head injuries have made many resorts set rules to make helmets mandatory when on the slopes.
  2. Wear suntan lotion
    Any seasoned pro knows that suntan lotion to the face is a must. Unless, of course, you want to show off your skiers burn lines in the office the following week.
  3. Dress smart
    First timers always seem to make the same mistake – you don’t need to dress for the Arctic! If you’re skiing or snowboarding all day, you’ll generally be keeping your body temperature quite high. Invest in a good coat and ski trousers. One will keep you warm, the other will keep your butt dry after you’ve landed on it for the hundredth time.
  4. Know your limits
    Winter sports – the clue is in the name. Most activities will use muscle groups that you probably haven’t used in a while - or at all! Cramp is a common occurrence and when you’re halfway down a vertical slope, it can be pretty inconvenient! Ease yourself in - you’ve got a whole holiday ahead of you.
  5. Don’t go into the roped off areas
    Again, this may seem an obvious one – but that fresh powder can look oh so appealing. Seriously though, there are so many horror stories about people getting lost or setting off avalanches – why take the risk?

There is a lot of extra information available from great places like GOV.UK and the NSAA. Plus your resort will usually have a wealth of info and tips available.

To choose the right winter sports travel insurance policy for you, get a quote online or read our policy documents for more information.

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