Question 1

What's covered with Winter Sports Travel Insurance?

Accepted Answer

Winter sports equipment:
You can be covered for hiring replacement equipment if yours gets stolen, lost or damaged. You’ll need to give us receipts and written confirmation of the original purchase and its replacement hire. We’ll take into account the age of your lost items to work out a claim.

Ski pass:
You can be covered if your ski pass is stolen, lost or damaged. For this cover to apply, you’ll need to have been carrying it with you at the time or have left it in a locked safe.

Ski pack:
You can be covered for the unused part of your ski pack if you’re unable to take part in winter sports because of illness or injury. A ski pack includes ski-school fees or ski instructor fees and the cost of any lift pass you booked.
You’ll need to be medically certified as being unfit for your activity, and you’ll need to send us a medical certificate that states that you couldn’t take part.

Winter sports equipment delay:
You can be reimbursed if your equipment is certified by the carrier to have been misplaced for more than 12 hours on the outward journey of your trip.

Piste closure:
If the lift system at your pre-booked resort is completely closed due to a lack of snow for over 24 hours, you can be covered to travel to another area.

Avalanche or landslide:
You can be covered for reasonable extra accommodation and travel expenses if avalanches or landslides affect access to the ski resort or cause public transport services to be cancelled.

Question 2

Will I be covered for accidents or incidents when taking part in winter sports?

Accepted Answer

Medical emergencies from winter sports, such as ski accidents, are only covered if you’ve added the Winter Sports Travel Insurance add-on to your policy.

If you haven't added Winter Sports, you'll still be covered for medical emergencies - just as long as they’re not directly related to winter sports.

Question 3

Do I need Winter Sports Cover for a sleigh ride?

Accepted Answer

Reindeer-drawn sleigh rides are included as a standard activity with our travel insurance, so you won’t need to take out Winter Sports Cover if this is the only activity you’ll be doing.

If you're planning on taking a sleigh ride drawn by a husky dog (and aren't planning on taking the reins), we can still cover you, but we won't cover you for any Personal Accident or Personal Liability claims.

Question 4

What activities are not covered by Winter Sports Travel Insurance

Accepted Answer

You won’t be covered for the following activities on any of our travel insurance policies:

Bobsleigh
Freestyle skiing
Heli-skiing
Ice hockey
Ice sailing/ice windsurfing
Luge
Off-piste skiing or snowboarding (outside recognised and authorised areas)
Paraskiing
Skeleton, ski jumping, ski racing, ski slope or ski stunting
Skidoo
Snowmobiling

If you’re planning to take part in an activity that isn’t listed here, please get in touch.

Question 5

Will I be covered to take part in activities if there’s an avalanche risk?

Accepted Answer

You’ll only be covered by your Winter Sports Travel Insurance if resort authorities classify the avalanche risk as 1 or 2. You won’t be covered if you participate in activities in areas with an avalanche rating of 3 or higher.

Resort authorities classify avalanche risk as follows:

1 = Low
2 = Moderate
3 = Considerable
4 = High
5 = Very High.

Resort authorities classify avalanche risk as follows:

1 = Low
2 = Moderate
3 = Considerable
4 = High
5 = Very High.

Question 6

Do I need to be vaccinated against COVID-19 to be covered

Accepted Answer

If you want to be covered for COVID-19 on your holiday, you need to have had all recommended vaccinations, including any booster jabs.

You can also be covered if you haven’t had the vaccines due to medical exemption. Read more in our guide to COVID-19 cover.

Winter Sports Travel Insurance

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