Travel Insurance – Winter Sports Cover FAQs

Yes, winter sports are covered up to 31 days per calendar year.

You’re covered for:

Cross country and nordic skiing (on recognised paths only)
Dog sledding
Dry slope
Glacier walking/skiing (accompanied by a qualified guide at all times)
Ice skating
Indoor skiing or snowboarding
Off-piste skiing or snowboarding (accompanied by a qualified guide at all times and only in areas that resort management consider to be safe)
Skiing or snowboarding (recognised pistes only)
Sledging
Sleigh rides
Snow mobiling
Snow shoeing

Yes, if your owned or hired winter sports equipment is lost, stolen or damaged by accident during your trip, we will pay for the repair or replacement, whichever is lower, after making an allowance for wear and tear and loss of value using the scale below:

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

We will pay to hire replacement winter sports equipment if:

You make a successful claim for loss, theft or damage to your winter sports equipment; or
Your winter sports equipment is temporarily delayed in transit for more than 24 hours.

We will also cover the cost of a replacement lift pass if it is lost or stolen. For each insured person, we will pay up to:

£500 for winter sports equipment owned by you.
£400 for winter sports equipment hired to you.
£300 for a replacement lift pass.
£20 per day for hire of replacement winter sports equipment, up to a maximum of £300.

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 £20 per day).

If due to illness or injury, you are medically certified as being unable to ski or board we will pay a benefit for the proportionate cost of your non-refundable ski pack (ski lessons from a ski school, ski hire and lift pass). For each insured person, the most we will pay is £500.

There is no cover at all for any injury or death if, during your trip, you take part in any leisure activity or winter sports activity:
a) (Depending on your account:)
        • Silver – not shown on pages 38 to 39 of your policy booklet.
        • Gold – not shown on pages 39 to 41 of your policy booklet.
        • Platinum – not shown on pages 39 to 41 of your policy booklet.
        • Premier – not shown on pages 40 to 41 of your policy booklet.

b) Either as a professional or where you receive any financial reward or gain.

          c) For the purpose of practising for or taking part in:
                •  any speed or time trial or race of any kind.
                •  any organised team competition or tournament.

d) If you suffer from a medical condition that would normally prohibit you from participating in that activity.

e) Where you have failed to follow all safety guidelines and use the necessary safety equipment.

If you have to cancel your trip or come home early, there is no cover for:
a) any course or tuition fees, project costs or sponsorship fees or similar (other than your prepaid ski pack).
b) cancellation of a prepaid leisure activity by the organiser of that activity.

There is no cover for any hired winter sports equipment or sports equipment which is damaged whilst being used.

We have an easy-to-use claims form. Visit here to make a claim online.

Most commonly asked questions about the cover

Am I covered for Winter sports?

Which activities are covered?

Is my equipment covered?

Am I covered for piste closure?

Am I covered for disruption?

What’s not covered?

How do I make a claim?

Your details

Winter Sports Cover frequently asked questions (FAQs)