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Winter Sports Travel Insurance

You can add Winter Sports to your policy on payment of an additional premium.


We recommend when participating in winter sports that the appropriate clothing, including crash helmets, should be worn, and activities undertaken match the level of experience the insured-person has in that sport (e.g. if you are an amateur skier do not undertake a black run).

Going skiing? Please read about our Ski travel insurance.

If you select the Winter Sports option and pay the additional premium, the following activities are covered:

  • On piste skiing/snowboarding in recognised areas (including off-piste when accompanied by a guide or instructor and provided you are not skiing against local recommendations or where avalanche warnings have been given)
  • Alpine skiing
  • Big foot skiing
  • Cat skiing (with a guide)
  • Cross country skiing
  • Glacier walking
  • Husky dog sledging (organised and with an experienced local driver)
  • Ice skating
  • Kick sledging
  • Langlauf
  • Mono-skiing
  • Nordic skiing
  • Passenger sledge
  • Ski boarding
  • Ski dooing
  • Sledging
  • Snow mobiling
  • Snow parascending
  • Snow shoe walking
  • Snow tubing
  • Snowcat driving
  • Speed skating
  • Telemarking
  • Tobogganing

There is no cover for the following activities:

  • Off-piste skiing/snowboarding without a guide or instructor
  • Skiing/snowboarding against local authoritative recommendations, warnings or advice
  • Ski stunting
  • Free-style skiing
  • Bob sleigh
  • Ice hockey
  • Bobbing
  • Heli-skiing
  • Ski acrobatics
  • Ski flying
  • Ski jumping
  • Ski mountaineering
  • Glacier Skiing
  • Snowcat skiing
  • Snow carting or the use of bob sleighs
  • Luges or skeletons
  • Any competitive skiing

Winter Sports cover is only in force if shown on your policy schedule and the appropriate additional premium has been paid.

  • Winter Sports option
    additional premium required
  • If Winter Sports cover selected, cover for skis, snowboards, ski boots, ski bindings, ski sticks or ice skates.

    See Insurance Policy for full details.
    Ski equipment
  • - Single article, pair or set limit
  • - Ski equipment (hired) limit
  • If Winter Sports cover selected, cover for hire of essential ski equipment if your own is misplaced or stolen on outward journey for more than 12 hours or lost or damaged during your trip.

    See Insurance Policy for full details.
    Delayed ski equipment
  • If Winter Sports cover selected, cover for proportional refund of your ski pack if you are taken ill or injured during your trip.

    See Insurance Policy for full details.
    Ski pack (loss of)
  • If Winter Sports cover selected, cover for each day your resort is closed to take you to an alternative skiing area if ALL skiing facilities are closed due to lack of snow or avalanche.

    See Insurance Policy for full details.
    Piste closure
  • If Winter Sports cover selected, cover if your outward or return journey is delayed for more than 12 hours due to avalanche, lack of snow or severe weather conditions.

    See Insurance Policy for full details.
    Avalanche/weather delay
  • £500
  • £300
  • £150
  • £200
  • £300
  • £300
    (£30 per day)
  • £200
  • £750
  • £500
  • £250
  • £300
  • £500
  • £500
    (£50 per day)
  • £500

Activities included for free

There are over 100 activities covered free of charge on a Free Spirit policy.

Read more on activities included on a Free Spirit policy winter sports travel insurance

  • Testimonials

    I needed a Travel Policy that was going to cover me and the family for my recent trip to Turkey and also provide cover for my medical condition. I cho…
    C. TomsWorthing

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