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Compare ski and winter sports cover with theidol.com[1]

If you’re planning on hitting the slopes on your next holiday, a standard travel insurance policy probably won’t cover you.

You'll need to take out extra cover for winter sports with your policy - when you compare travel insurance with us, we’ll ask you if you need it.

Why standard travel insurance isn’t enough

A winter sports holiday is non-stop fun, but skiing or snowboarding isn’t without its risks. You’re much more likely to get injured during a winter sports trip than a holiday spent lounging by the pool, which is why you need extra protection from your travel insurance.

According to ABTA, there were 197 significant incidents reported on overseas slopes between October 2017 and October 2018. With the wrong cover, the situation could’ve been worse

So, what exactly is ski insurance?

Ski insurance, or winter sports insurance, isn’t actually a type of travel insurance. It’s a policy feature that’s either already included or added on to your travel insurance.

Winter sports are considered to be high-risk activities by insurers, with more chance of you being seriously injured, so the medical aspect of your cover is usually more extensive than standard. It’ll include cover for things like air ambulances - important if you run into trouble in a hard to reach location.

It’ll also offer protection for situations unique to ski trips, like losing or damaging equipment, or piste closures. Because of that, expect travel insurance with winter sports cover to cost a bit more than a run-of-the-mill policy.

Activities and snow sports typically covered under winter sports insurance

  1. Skiing

  2. Snowboarding

  3. Tobogganing

  4. Ice-skating

  5. Snowmobiling

  6. Dog-sledding

  7. Sleighing

  8. Ice hockey

What’s covered?

Because you’re adding additional cover to a travel insurance policy, you’ll have cover for the standard things like lost and stolen possessions, medical expenses, trip cancellation and repatriation back to the UK. But you’ll also have cover for:

  • Equipment
    Things like your skis, snowboard and protective gear - if they're lost, stolen or damaged.
  • Piste closure
    That means you can claim back money if the slopes are closed for a certain amount of time - how long will be set out in your policy.
  • Avalanche delays
    If you can’t get onto the slopes because of an avalanche.
  • Personal liability
    Incase your actions injure someone, and they decide to take the case to court.
  • Ski passess
    To cover the cost to replace them if you lose yours.
  • Replacement equipment hire
    If you need to hire replacement equipment this’ll help cover the cost.

What’s covered, and how much cover you have, varies between policies. You can find out exactly what cover is available by looking at policy docs - if you’re unsure just give the insurer a call.

Typical exclusions

Winter travel insurance cover always has exclusions - watch out for these:

  • Accidents
    Where you weren’t using the right equipment or wearing protective gear like a helmet.
  • Alcohol and drug misuse
    Accidents where you were under the influence of alcohol or drugs.
  • Unattended property
    If your property gets lost or stolen because you left them unattended or somewhere insecure.
  • White-knuckle winter sports
    Like heli-skiing or glacier climbing.
  • Going off-piste
    Some insurers might cover you if you’re with an instructor.
  • Cover for seniors and OAPs
    There’s usually an upper age limit on policies, and sometimes it’s as young as 40.

Hitting the slopes in Europe? Sort out your EHIC

The European Health Insurance Card (EHIC) gives you the right to access state healthcare if you’re skiing in a country within the Europeean Economic Area or Switzerland. If you don’t have an EHIC, apply for one via the NHS website.

Frequently asked questions

  • How much does winter sports cover cost? 

    The average premium for a single winter sports policy, without pre-existing medical conditions, between January 2018 and December 2018 was £18.78.[2]

    The price of your policy depends on a whole host of factors, like the country you’re visiting, duration of your trip and your age. Compare policies to get the best deal.

  • Can I cover my family? 

    Yes, you can. If you’re going skiing with family or friends, you can take out a group policy with winter sports cover. It’ll probably work out cheaper than insuring everyone separately too.

  • Can policies cover medical conditions? 

    If you’ve got a pre-existing medical condition, you need to let your insurer know about it when you take out cover. If you don’t, you won’t be covered for it if your condition gets worse. You won’t be able to claim back any expenses you have because of it either.

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[1]Gocompare.com introduces customers to theidol.com which is authorised and regulated by the Financial Conduct Authority. Gocompare.com's relationship with theidol.com is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

[2]The average premium for a single winter sports policy, without pre-existing medical conditions,  between January 2018 and December 2018 according to data from theidol.com.

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