Ski & Winter Sports

Ski and Winter sports travel insurance

For those of you about to book a skiing or snowboarding holiday, it is essential to have winter sports cover in place.

24/7 travel insurance offers a choice of two policies (Single Trip and Annual Multi-trip) with various cover options to suit your particular travel needs.

Winter Sports Cover can be included on both policies for an additional premium. Please note, if you select Annual Multi-trip and pay the additional premium, you will be covered for Winter Sports for a maximum of 17 days during the policy year.

Also you need to ensure that the activities you are taking part in whilst on your skiing or snowboarding trip are covered by your travel insurance policy.

In addition to Winter Sports Cover (available as an additional option) 24/7 travel insurance provides cover for over 70 non-winter sports activities. This means you can save money with an Annual Multi-trip policy because if you also travel during the summer you can take part in other activities, knowing you don’t need to purchase another policy.

Some policy highlights:

  • Cover for Ski & Winter Sports Activities*
  • Over 70 non-winter sports activities covered free
  • Medical emergency helpline open 24/7
  • Protect your equipment, ski pass and more

* provided you choose the Winter Sports Cover option and pay the additional premium

Being properly covered for the unexpected is what travel insurance is all about, so you can relax and enjoy your skiing or snowboarding holiday all the more.

You can get an instant quotation and immediate cover online and if you arrange your cover as soon as you book your Winter Sports holiday you will be immediately protected should you need to cancel your trip.

We have a Single trip policy which has been designed for individual trips, whereas if you are planning more than one holiday a year, whether you are skiing or taking a summer holiday, the Annual Multi-trip policy may offer better value.

Summary of the benefits of cover

For full terms and conditions, please read the Policy Wording.

Ski & Winter Sports Activities

Provided you choose the Winter Sports Cover option and pay the additional premium, you will be covered for the following activities.

  • Airboarding
  • Big foot skiing, Blade skating
  • Dry slope skiing
  • Glacier skiing/walking
  • Husky dog sledding (organised, non-competitive and with experienced local driver)
  • Ice go karting (within organiser’s guidelines)*, Ice skating, Ice windsurfing*
  • Kick sleding
  • Ski blading, Ski boarding, Ski run walking, Skiing on piste**, Skiing alpine, Skiing –
    mono, Skiing – off piste with a guide**, Sledging/tobogganing on snow,
    Sledging/sleigh riding as a passenger (pulled by horse or reindeer)*, Snow blading,
    Snow boarding on piste**, Snow boarding – off piste with a guide**, Snow carving
    (using non powered hand tools only and not working above 3 metres from the
    ground), Snow shoe walking, Snow tubing
  • Winter walking (using crampons and ice picks only)

No cover is provided under Section G – Personal liability for those sports or activities marked with *
** a piste is a recognised and marked ski run within the resort boundaries.

If you can’t find your activity, please contact us on 02392 419 044. We are open Monday to Friday 8am-6pm, closed Bank Holidays.

Top tips for buying winter sports insurance and ski insurance

Policy limits – check the policy wording to make sure the cover and policy limits are suitable for your needs. Ensure the ski insurance policy includes cover for emergency medical expenses with repatriation back to your home country and also for Cancellation which is the second largest cause of claims after medical expenses.

Ski equipment – if you are taking your own make sure the policy cover is high enough. Check particularly that the single item, pair or set limit is sufficient for your needs. It is also worth remembering that the older the skis or boots are, the more the claim will be reduced – travel insurance does not typically cover ‘new for old’.

Hired equipment – if you are hiring skis, boots, snowboards, etc check that the policy covers equipment on hire for which you are still responsible for. If you were to lose the equipment or have it stolen you may be liable.

Unattended items – check the policy wording to make sure that there is a sensible approach to losses of both ski equipment and for example valuables and jackets.

Policy excesses – the cheapest policies typically on price comparison websites tend to have higher policy excesses. On the emergency medical expenses section these can sometimes be as high as £400 which will knock out most small claims and is still a lot to find for the larger claims as well. A £75 or £100 excess would be reasonable – our Diamond Policy has an excess of just £50.

Winter sports activities – Insurers will define what they are prepared to accept as a Winter Sports activity and those which they deem to be hazardous activities and will not cover. It is important to check that the Insurers interpretation matches your expectation. Be particularly wary of snow parks and off-piste which are often not covered. If in doubt you should check with the insurance provider.

European Health Insurance Card (EHIC) – one of the important things not to rely on is the European Health Insurance Card which will only cover hospitalisation in State hospitals which typically aren’t close to the ski resorts. Also, the EHIC will not cover you for such things as cancelling your trip, loss of personal possessions and repatriation costs back to your home country. Please note:  if you need medical assistance and you use your EHIC, your medical claims excess will be reduced to nil with 24/7 travel insurance.

Most importantly make sure that you insure – the number of people having to make a claim on skiing and snowboarding holidays is far higher than for summer breaks and broken bones cost a lot to fix particularly in the USA and Canada and increasingly so in Europe.

Frequently asked questions

What is the maximum age limit?

Single Trip is available up to age 70 (family cover up to age 60)

Annual Multi-trip is available up to age 65 (family cover up to age 60)

Are trip limits applicable to Annual cover?

If you have purchased an Annual Multi-trip policy, the maximum number of days for Winter Sports Cover is 17 days in the policy year.

What’s the difference between Single Trip and Annual Multi-trip?

Single Trip’s are one off trips or holidays. You are covered for cancellation as soon as you have booked your holiday and purchased your insurance and duration is based on your departure and return dates.

Annual Multi-trip policies are ideal for those who travel more than once in a 12 month period. You are covered for a years worth of travelling and the premium you pay will usually be cheaper than taking out multiple, or even just two, Single Trip policies. You are covered for cancellation from the moment you buy your policy. You can travel an unlimited number of times in a policy year so whether you are taking a short break to Paris or a skiing adventure to the Alps (subject to selecting the Winter Sports Cover option and pay the additional premium) you don’t have to purchase travel insurance each time. There are maximum durations per trip and these are shown in the Policy Wording.

Can I go Skiing Off-Piste?

You are covered for Skiing off-piste with a Guide, subject to selecting the Winter Sports Cover option and paying the additional premium.

A piste is a recognised and marked ski run within the resort boundaries.

24/7 travel insurance is arranged by P J Hayman & Company Limited.

24/7 travel insurance is a trading name of travel insurance specialist P J Hayman & Company Limited who are authorised and regulated by the Financial Conduct Authority. Financial Services Register number 497103. Registered office: Stansted House, Rowlands Castle, Hampshire PO9 6DX. Reg no. 2534965.

Cookie & Privacy Policy | about our insurance services