The FCDO currently advise against all but essential travel. If you travel against the FCDO advice, no cover is available under any of our policies. If your trip is legally permitted, or if you expect travel restrictions to be relaxed by your departure date, click here to see what cover is available.
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Winter sports & 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. In fact, if you buy an annual policy, cover for winter sports is included free, so you can go skiing, snowboarding, bob sleighing, or even skeletons at no extra cost.
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 are you covered for when skiing or snowboarding?
Ski equipment insurance
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.
Ski pass insurance
If you lose or have your pass for the ski lift stolen, we’ll pay you the unused proportion of your pass, based on its value at the time it was lost or stolen.
Off-piste ski insurance?
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 and off-piste snowboarding in our ski travel insurance policies. So, you can explore even further!
Ski pack cover
If you’ve paid for a ski pack, including ski-school or instructor fees as well as lift passes and equipment hire, we’ll cover any costs that you have paid and can’t get refunded in the event of illness or injury. See the policy wording for full conditions and payment limits.
Ski insurance with pre-exisiting medical conditions
We can cover many medical conditions free of charge, even if you’re going skiing. For other conditions there may be an additional premium to pay and with some conditions, such as Osteopaenia, we won’t be able to cover you for winter sports.
Ski insurance for over 65s
Our winter sports travel insurance has no age restrictions, so we’ll be happy to cover over 65s who want to go skiing, tobogganing, or anything else.
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.
What is included within our winter sports insurance?
- Off-piste skiing/snowboarding (except where considered unsafe by resort management)
- Cross country skiing
- Freestyle skiing*
- Cat skiing
- Mono skiing
- Recreational/non-professional ski racing or training
- Ski acrobatics*
- Ski bob racing*
- Ski/snowboard fun parks*
- Ski stunting*
- Ski touring with a guide
- Glacier walking or trekking under 6,000m altitude*
- Ice climbing under 100m (fully supervised)*
- Ice fishing
- Ice hockey*
(Note: Unfortunately, we’re unable to cover ski flying, ski jumping or ski mountaineering. For the activities marked with an * above and increased medical excess of £250 will apply and there will be no cover under the personal accident or personal liability sections of the policy. See our policy breakdowns for more details.))
Why do you need travel insurance for winter sports?
It’s important to think about buying 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, so make sure you’re insured by choosing the right cover level – with annual policies winter sports cover is included automatically, but for single trips you’ll need to either select winter sports at the start or add it to your policy before purchase. Remember, if you have an accident while taking part in a winter sports activity and you haven’t got winter sports cover, your claim might not be fully paid.
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 & 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.
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 consider 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.
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 even when they’re left in ski racks! Payments for damaged or stolen equipment decrease with the age of the item, and we won’t be able to cover any 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.
- 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.
- 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.
- 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.
- 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.
- 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?