Winter sports travel insurance

Avoid huge bills by getting winter sports insurance if you're planning to hit the slopes

There’s nothing like some exciting winter sports when the mercury drops. Snow holidays are always fun, but there’s also a chance of things going wrong.

Winter sports insurance can protect you from unexpected expenses should you injure yourself on the slopes, lose or damage your equipment or even if you have to cancel your trip due to illness.

What is winter sports travel insurance?

Winter sports travel insurance covers you for eventualities that are specific to your winter sport activities. It is specialist cover that offers more comprehensive insurance than standard travel insurance. This includes medical costs, lost, damaged or stolen luggage, and cancellations and delays.

Why do I need winter sports travel insurance?

Most insurance providers consider winter sports as high risk activities and don’t include them in standard travel insurance policies. This is why dedicated winter sports insurance cover is essential for anyone thinking of indulging in any winter sports such as skiing or snowboarding.

According to the Association of British Insurers (ABI), winter sports-related claims can vary from £1,000 to as much as £90,000. Without the right cover, consumers could be on a slippery slope to major financial headaches.

What does winter sports travel insurance cover?

Generally most winter sports travel insurance will cover medical costs, lost, damaged or stolen luggage, and cancellations and delays. While it depends on the provider, some insurers also offer benefits such as:

  • Cancellation: If you get injured on the slopes and have to cancel the rest of your trip, you can claim the cost of the trip.
  • Ski pass: To replace a ski pass if yours gets lost or stolen.
  • Piste-closure: Many policies will cover you if you’re unable to ski because of the piste being closed due to bad weather or any other reason. This, though, is usually only applicable if the piste is closed for longer than a certain amount of time.
  • Personal liability: This will cover you should you injure someone else.

What sports are covered by winter sports travel insurance?

You should always check the terms and conditions of your policy for a list of all activities covered, as they can vary significantly depending on the provider. Generally, a good policy typically covers winter sports such as:

  • Skiing (on-piste)
  • Snowboarding (on-piste)
  • Tobogganing
  • Ice-skating
  • Snowmobiling
  • Dog-sledding
  • Sleighing
  • Ice hockey

How much does winter sports travel insurance cost?

How much your policy costs will depend on a number of factors, such as your age, health, frequency, destination and length. Insurance companies factor all these elements to calculate the premium.

It’s always a good idea to shop around and compare providers to get the best deal.

Winter sports travel tips and advice

  • Always read through the terms and conditions of your insurance policy. Being aware of what exclusions apply will keep you from getting any unwanted surprises.
  • Make sure to mention any pre-existing conditions such as asthma or diabetes in your application.
  • It’s a good idea to do some research on your holiday destination beforehand. It also helps to check weather reports and visit GOV.UK for local travel advice.
  • In the event that you need to make a claim such as an injury or loss of equipment, make sure you or someone on your behalf contacts the insurer.
  • Drinking and skiing don’t mix. Any incident involving alcohol or drugs is likely to affect the validity of your insurance claim and as a result you might have to pay thousands in medical expenses if you’re injured.

Frequently asked questions

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