Winter Sports Cover is an optional extra that covers a range of winter sports activities and provides additional benefits for ski equipment, ski hire, ski packs and piste closure.
What this article helps you do
This article explains the activities included with Winter Sports Cover, the main benefits available and how the benefit limits differ between Budget, Silver, Gold and Black.
What Winter Sports Cover costs to add
Winter Sports Cover is not included as standard. You need to pay the appropriate additional premium and make sure Winter Sports Cover is shown on your Policy Schedule.
If you add Winter Sports Cover outside the 14-day cooling-off period, a £15 administration fee may apply.
Winter Sports Cover benefits
The amount of cover depends on your plan:
| Benefit | Budget | Silver | Gold | Black |
|---|---|---|---|---|
| Ski equipment | Up to £200 | Up to £500 | Up to £1,000 | Up to £1,500 |
| Ski hire | £10 per day, up to £100 | £20 per day, up to £200 | £50 per day, up to £500 | £75 per day, up to £750 |
| Ski pack | £50 per day, up to £200 | £75 per day, up to £300 | £75 per day, up to £450 | £85 per day, up to £510 |
| Piste closure | £10 per day, up to £100 | £20 per day, up to £200 | £40 per day, up to £400 | £50 per day, up to £500 |
Silver also includes a ski pass limit of £250, Gold £500 and Black £750.
The excess for ski equipment is £100 on Budget, £60 on Silver, £50 on Gold and nil on Black. The listed ski hire, ski pack and piste closure benefits have a nil excess.
Which winter sports activities are included?
Winter Sports Cover includes:
- Bobsleighing*
- Cat skiing
- Cross-country skiing
- Freestyle skiing*
- Glacier walking or trekking under 3,000 metres – hazardous activities cover is also required
- Ice climbing under 100 metres when fully supervised*
- Ice fishing
- Ice hockey*
- Luge on snow or ice*
- Monoskiing
- Off-piste skiing or snowboarding, except in areas considered unsafe by resort management
- Recreational ski or snowboard racing
- Skeletons*
- Ski acrobatics*
- Ski bob racing*
- Ski racing or training, provided it is non-professional*
- Ski stunting*
- Ski touring with a guide
- Ski or snowboard fun parks*
- Skiing
- Snowmobiling*
- Snowboarding
- Tobogganing
For the starred activities, the information provided states that a £250 medical excess applies and Personal Accident and Personal Liability cover do not apply.
For Black policies, the current policy wording refers to a starred-activity rule but does not identify which activities in its list are starred. The active sources conflict on this point; policy-owner clarification is required.
Which winter sports activities are not covered?
Winter Sports Cover does not cover:
- ski flying
- ski jumping
- ski mountaineering
If you want to take part in a winter sports activity that is not listed above, speak to an adviser before you travel.
Eligibility, terms and exclusions apply. Please refer to your policy documents for full details.
Updated