Winter Sports Cover frequently asked questions (FAQs)
Most commonly asked questions about the cover
Am I covered for Winter sports?
Yes, winter sports are covered up to 31 days per calendar year.
Which activities are not covered?
You’re not covered for:
- Bobsleigh, cresta, luge and skeleton.
- Freestyle skiing and snowboarding.
- Off-piste skiing (unless accompanied by a qualified guide at all times in areas the resort management consider to be safe).
- Heli-skiing.
- Glacier skiing.
- Ski flying, ski jumping, ski stunting and surfing.
- Ski racing and training.
- Ski mountaineering.
Is my equipment covered?
Yes, you have cover for your sports equipment:
- We’ll cover an insured person’s skis, snowboards, boots, helmets, bindings or poles if lost, stolen or accidentally damaged, we’ll also cover their lift pass if it is lost or stolen.
- We’ll also pay for an insured person to hire replacement equipment if their own winter sports equipment is lost, stolen, accidentally damaged or lost in transit for more than 24 hours.
The most we will pay for:
- Winter sports equipment is £500 per person. We’ll calculate the value of any item at the time of loss less a deduction for wear and tear and depreciation.
- Hire of replacement equipment is £200 per person.
| Age of ski equipment | Amount payable |
|---|---|
| Less than 1 year old | 90% of value |
| Less than 2 years old | 70% of value |
| Less than 3 years old | 50% of value |
| Less than 4 years old | 30% of value |
| Over 4 years old | 10% of value |
Am I covered for piste closure?
- This section does not apply to cross-country skiing.
If all pistes at the resort an insured person has booked are closed because of lack of snow, excessive snow or high winds we’ll pay a daily benefit up to the limit shown below.
The most we will pay for:
- Piste closure is £300 per person (we’ll pay £30 per day).
- Loss or theft of lift pass is £250 per person (we’ll pay £20 per day).
Am I covered for disruption?
- We’ll pay a benefit for each day that an insured person is medically certified as being unable to ski or board, as well as a proportionate refund of their non-refundable ski pack (lessons from a ski school, ski hire and lift pass).
- We’ll pay a benefit for additional travel and accommodation expenses if an insured person is delayed for more than 5 hours by an avalanche or landslide, and this means they cannot reach their resort or delays their departure from the resort on their return home.
The most we will pay for winter sports holiday disruption is £200 per person (we’ll pay £20 per day), other than for a ski pack where we’ll pay up to £500.
What’s not covered?
We won’t cover:
- Anything excluded in the ‘General exclusions’ section of your policy documents.
- Winter sports equipment which has been deliberately left somewhere that is not in the insured person’s full view, with someone they know, or with their travel provider.
- Wear and tear, loss of value, damage caused by moths or vermin, or any damage caused by cleaning, repairing or restoring.
- Damage to hired sports equipment.
- Loss or theft from motor vehicles.
Any claim:
- If the insured person has travelled against the advice of a doctor, or purposely travels without medical advice when it was reasonable to have consulted a doctor.
- Caused by a medical condition or undiagnosed symptom which has not been disclosed to and accepted by us. Please refer to the ‘Your health’ section for details of when you need to tell us about medical conditions.
How do I make a claim?
We have an easy-to-use claims form. Visit here to make a claim online.
Not found what you're looking for?
If your query is not answered in the above questions, please send us your enquiry online below and we’ll respond to you by email within 48 hours.
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