UK Travel Insurance Articles
search advanced search

Home >> Travel Insurance Articles

Winter sports travel insurance - what is it and when do you need it?

Article by Simon Christopher
Article added: 26/11/2010 - Last updated: -
Rating: 0.00 (0 votes)

winter sportsMost snow-related sporting activities aren't covered by standard travel insurance which can create the potential double whammy of not getting an insurance payout if you have an accident on holiday, and facing particularly large medical bills.

The combination of skiing injuries often being quite serious, such as a broken bone, and the transportation costs if you have to be rescued by air ambulance or even repatriated that way, can make for some pricy mishaps.

What about my EHIC?

The European Health Insurance Card entitles you to state provided healthcare on the same basis as residents of the EU country that you visit. (It also applies in Switzerland.) You pay in the same way as locals, which usually means free or reduced treatment. However, it does not cover many associated costs, particular transportation or repatriation. This means specialist cover is still advisable, though you may find an insurer offers a lower policy or a lower excess if you have an EHIC, which is a great deal considering it's free to get one.

Why don't standard travel policies cover winter sports?

Its simply a matter of risk. As fun as skiing is, it's a plain fact that you are more likely to have an accident causing injury when swooping downhill at high speed than sunning yourself on the beach.

What activities are covered by winter sports cover?

In most cases you should expect skiing and snowboarding cover. Other activities that may be excluded, require an extra premium, or simply require you to tell the insurer you will be taking part in them, include bobsleighing, glacier trekking, heliskiing (skiing in locations accesible only by helicopter rather than ski lift), ice skating, lugeing (a form of sledging) and riding on snow mobiles.

Are there any other benefits to winter sports cover?

It varies from policy to policy, but in some cases you'll get additional benefits (compared with a standard travel policy) in terms of specifically covering equipment such as skis against theft or loss, even if that equipment would go above the normal limits for an individual's possession. Bear in mind that you will usually still have to pay an excess for making such a claim.

What's excluded?

Many policies don't cover skiing off piste (that is, away from recognised and maintained slopes.) You'll also likely find you aren't covered if alcohol plays a role in an accident -- or even if the insurer merely believes its conceivable that it could have played a role.

What other catches should I look out for?

A policy won't necessarily cover you against your holiday being ruined because the piste you visit is closed due of bad weather. Check the small print carefully to see how it deals with lost possessions: misplacing a ski pass can prove extremely expensive if you aren't covered.

What about annual travel policies?

Some annual policies will cover winter sports, though this will usually be an optional extra with an additional premium. As always with an annual policy, you should never make any assumptions and always read the terms and conditions again when planning a new trip abroad.

PLEASE NOTE: The guidance published in this article is for information only and does not constitute financial advice or a recommendation of any particular travel insurance product or provider. If you are in any doubt please consult an independent insurance adviser. A database of advisers in your area is available at

Copyright UK Insurance Index All rights reserved.

comments about this travel insurance article

Comments About this Article:

 Add a Comment

share this travelinsurance article

Share this Article:

please rate this travel insurance article

Rate this Article:

Please rate this article between 0 and 5
with 5 being top.
All ratings received for this article.

all categories ALL CATEGORIES
A-Z Categories

popular categories POPULAR CATEGORIES
Car Insurance
Home Insurance
Life Cover
Mobile Phone Cover
Pet Insurance
Travel Insurance

directory categories DIRECTORY CATEGORIES
Home & Property
Insurance Brokers
Life & Protection
Non UK Insurers
Pet & Animal
Personal Possessions
Specialist Cover

review categories REVIEW CATEGORIES
Car & Motor
Insurance Companies
Life Cover
Pet & Animal

article categories ARTICLE CATEGORIES
Car & Motor
Home & Property
Insurance Awards
Insurance Guides
Life Cover
Pet & Animal

news categories NEWS CATEGORIES
Business News
Car and Motor News
General News
Health News
Home & Property News
Life Cover News
Pet and Animal News
Travel News

Flexicover Holiday Insurance
Flexicover travel insurance offer highly competitive premiums and our policies come with generally higher cover levels than most insurers.

Insure & Go Travel Insurance
Insure & Go
Insure & Go covers over 1 million people each year for holidays, business trips and long stay travel insurance.

latest listings LATEST LISTINGS
Gnu Insurance - affordable travel insurance for over 50s
Coverwise Travel Insurance
Explorer Travel Insurance - great cover with no age limit
OULdirect - very low cost travel insurance

latest reviews LATEST REVIEWS
JS Insurance Trekking Everest Base Camp Travel Insurance
Globelink Travel Insurance
Explorer Travel Insurance
Ageas Travel Insurance
Explorer Travel Insurance Annual Multi-Trip Policy

latest articles LATEST ARTICLES
How to get travel insurance with a pre-existing medical condition
How does Foreign Office advice affect your travel insurance policy?
Do you need specialist travel insurance for a smooth cruise
Winter sports travel insurance - what is it and when do you need it?
Exceedingly good travel insurance advice

Home | Privacy & Cookies | Terms of Use | Contact |

Page protected, do not copy

This website uses cookies to ensure a reliable browsing experience. If you continue to use this website you are consenting to us using cookies in this way. To find out what cookies are, which ones we use and why we use them please click here.

Copyright © 2019 UK Insurance Index. All rights reserved.
All directory listings, articles and reviews are provided as information only and do not constitute advice or a recommendation of any product or provider. If you use these insurers, we take no responsibility and give no guarantees, warranties or representations, implied or otherwise, for the content or accuracy of these third-party web sites or companies. If you have any doubts you should consult an authorised independent financial adviser for advice based upon your individual needs and circumstances. A database of advisers in your area is available at