Does your travel insurance include Winter Sports?

With many people jetting off for their winter skiing holiday it is important to check your travel insurance policy includes winter sports cover.

Winter sports cover can vary between insurance providers. In some cases Winter Sports comes included with your policy and others you may have to purchase an extension or upgrade your activity pack to include the activities you will take part in.

Moneysupermarkets’ travel expert Bob Atkinson, says: “Travel insurance is an essential item when planning any holiday, and even more so for a trip involving adrenaline-fuelled winter sports like skiing and snowboarding.

“At a time when people are looking to make the most of their holiday money, finding the best value for money travel insurance policies will give thrill-seekers extra cash to enjoy the après-ski entertainment!”

Some insurers will cover you for winter sports but only for a set number of days during your cover. If you have a standard Annual Multi-trip policy you may have cover for a maximum number of days during the 12 month period. If you take part in winter sports for more days than the policy allows for, the insurance company may not pay out in the event of a claim.

Standard insurance policies will normally cover you for cancellation, personal possessions and emergency medical expenses amongst others. But if you plan on going skiing, snowboarding or taking part in another form of winter sports then you may need to ensure your winter sports cover – either included in your policy automatically or purchased as an extension – includes your equipment (whether hired or your own), piste closure and loss of ski pack.

The most important reason for including winter sports in your travel insurance policy is that if you were to have an accident, or needed to make a claim relating to winter sports, for example the loss of your skis, your insurance company would cover you (depending on policy covers and limits).

If you are holidaying in Europe you should take a European Health Insurance Card (EHIC) with you. They are free to get hold of and will allow UK nationals reduced-cost or sometimes free medical treatment when temporarily visiting an EEA country including Switzerland. Please note that an EHIC is not a substitute for comprehensive travel insurance.

Things to remember when buying travel insurance for Winter Sports:

  • For how many days will you be covered taking part in the Winter Sports activity? Some Annual Multi-trip policies allow a set number of days during the year.
  • Is your actual activity covered? Read the policy documents and ensure you pay the additional premium if you need to upgrade your activity pack or purchase an extension.
  • Read the policy documents carefully to see if there are any restrictions. For example some policies may restrict the time of the year that you can take part in winter sports.

24/7 travel insurance can offer either Single Trip or Annual Multi-trip cover options where you can add a winter sports extension to cover your activities. There is also a specialist Winter Sports policy with more activity options to choose from. Ensure you read the policy documents and you that you are comfortable with your cover.