Ski Travel Insurance

Optional ski travel cover with your sports travel insurance.

  • Ski travel insurance included in ski cover activity pack level 3 or 4
  • Cover for up to £500 of winter sports equipment 
  • UK-based support

Call us on 01242 896 935 or get a quote online.

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Why choose ski travel insurance with Towergate?

Snow

Ski travel insurance for UK residents

Single and multi-trip travel insurance for UK residents

Tick

Ski equipment insurance

Optional cover for skis, bindings, ski boots, ski poles, snowboards and specialised clothing available

Liability

Skiing and snowboarding cover

Ski and snowboard cover can be added for up to 21 days per year, per policy

Worldwide

Worldwide cover available

Insurance for the ski-trip of your dreams

About ski travel insurance

Snow

Ski holiday cancellation cover

Up to £5,000 cancellation cover depending on whether you have chosen Active Standard Cover or Active Plus, starting at the time of booking until you leave home to commence your trip. Covers cancellation due to injury, serious illness, death, jury service, posting overseas, FCO or WHO advice prohibiting all but essential travel and more. Additional costs incurred as a result of any delay in telling your travel provider that you need to cancel your trip are not covered.

Money

Baggage and belongings cover

Up to £2,000 cover depending on your policy for the replacement or repair of your baggage if it is lost, stolen, damaged or destroyed, or for the cost of buying replacement necessities if your baggage is delayed on outward journey for over 24 hours. Valuables, jewellery or money not covered unless kept on your person or stored in a locked safety deposit box or safe. Single article limits apply.

Care

Personal accident cover while skiing

Our ski travel insurance can include personal accident cover of up to £20,000, depending on the level of cover you have chosen on your policy.

Liability

Search and rescue or emergency transfer for skiers

Search and rescue or emergency transfer to hospital up to £50,000 if you are participating in an insured activity covered by your policy. Hospital in-patient cover up to limit shown on the summary of cover.

Claims for this policy are handled by the insurer, Millstream Underwriting Limited. Therefore, claims should be submitted to Millstream Underwriting Limited rather than Towergate Insurance to be processed.

For further information on the claims process, please refer to page 35 of the policy wording.

A few keys things to bear in mind when making a claim on your policy:

  • If any medical certificates, information, evidence and receipts, are required to support your claim, these must be obtained by you at your expense.
  • Claims must be submitted within 60 days of your return to the UK.
  • Original receipts and or proof of ownership and value must be provided for any items being claimed for.
  • Damaged items must be kept by you and if requested submitted to the Claims Handlers.
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Ski travel insurance FAQs

Unfortunately, we can only offer sports travel cover to UK residents.

We offer cover for over 100 different activities, which you'll be able to see in the policy wording or during the quotation process. Note that for ski travel insurance you will need to select level 3 or 4 when adding your sports activities cover (depending on the skiing activities to be undertaken).

  1. Select either our single or annual multi-trip cover, and the level of cover you need: Active Standard Cover or Active Plus Cover. Both offer the same type of cover but with higher limits for some areas with Active Plus cover. Please refer to the wording for further details to determine which level of cover is suitable for your needs.
  2. Pick the region(s) you'd like cover for:
    • Europe only
    • Worldwide (excluding USA, Canada & Caribbean)
    • Worldwide (including USA, Canada & Caribbean)
  3. Specify who needs to be covered:
    • An individual (just you)
    • A couple (you and your partner)
    • You (one adult) and children
    • A couple with children (you, your partner and children)
  4. Select the level of cover required from over 100 different activities covered. The level of cover chosen will depend on the type of sports and activities to be undertaken.

To gain cover for skiing and winter sports you should purchase cover for activity level 3 or 4. All FAQs below apply to those who have included these cover levels in their policy.

Other activities we cover that are likely to be found at a ski resort include (but are not limited to):

  • Dogsledding
  • Ice skating
  • Sledding
  • Tobogganing
  • Snow biking (on and off-piste - within resort boundaries)
  • Snow kiting
  • Snow rafting
  • Snowmobiling

Our multi-trip policy can cover up to 31 days of cover for these activities per insurance year.

Yes, we cannot offer cover for any competition; free-style skiing or snowboarding; ski or snowboard jumping; ski-flying; ski or snowboard acrobatics; ski or snowboard stunting; ski racing; national squad training; or the use of skeletons. See your policy wording for full details.

Yes, levels 3 and 4 cover up to £500 of winter sports equipment (skis, bindings, ski boots, ski poles, snowboards and specialised clothing) and £300 for replacement equipment hire, if your equipment is lost, damaged or stolen, or if it delayed for more than 12 hours on your outward journey.

Our multi-trip sports travel policy can cover UK trips which are pre-booked in paid accommodation for one night or more.

Our insurance can cover a wide range of sports, from cycling to quad biking, but premiums will range according to the sports you need cover for. You will be able to find this out during the quotation process.

We can offer our annual multi-trip policy to people up to the age of 75 and our single trip policy to people up to the age of 80. Note that the maximum trip length for the multi-trip policy drops to 31 days (as opposed to 60 days), for policyholders over the age of 65.

This will be assessed on a case by case basis. The medical screening experts will ask you several questions relating to your health condition and this will determine whether we are able to offer you cover. Please be reassured, everything you tell the team is treated with the utmost confidentiality and your details will not be shared with anyone outside of the organisation. An extensive list of medical conditions covered can be found in the policy wording. However, if you are unsure, please call the Medical Screening Service on +44 (0)330 660 0563.

If you are travelling in the EU, you can apply for either:

  • a UK Global Health Insurance Card (UK GHIC)
  • a UK European Health Insurance Card (UK EHIC), if you have rights under the Withdrawal Agreement

Find out more about the Withdrawal Agreement on GOV.UK

For most people, the UK Global Health Insurance Card (UK GHIC) replaces the existing European Health Insurance Card (EHIC) for new applications. You can apply for one at: nhs.uk/using-the-nhs/healthcare-abroad/apply-for-a-free-uk-global-health-insurance-card-ghic

No. The UK’s reciprocal health agreements (E111 / EHIC) with the EU came to an end on the 1/1/2021.

You can cancel your policy within 14 days of receiving it, if you have not travelled, made a claim, or intend to make a claim.

Our sports travel insurance includes £2,500 cover for standard single and multi-trip policies and £5,000 cover for our 'Plus' policies.

If your holiday is cancelled due to reasons covered under your policy conditions, you may be able to make a claim. A number of covered reasons:

  • Injury, serious illness, death of yourself or anyone you were intending to stay or travel with, an immediate relative or close business associate
  • If you become pregnant after policy purchase or booking trip (whichever is later) and will be more than 26 weeks pregnant at the start of or during your trip. Or if a medical practitioner advises not to travel due to pregnancy complications.
  • If you are called to jury service, court as a witness (excluding expert witnesses), or redundancy.
  • If you are posted overseas or required for emergency or unavoidable duty and work in the: medical, nursing, armed forces, police, fire, or ambulance services.
  • If FCO or WHO advice prohibits all but essential travel.

Please check the policy wording for further details on holiday cancellation cover.

If you have an accident or are ill, you will be covered for the unused portion of your ski school, lift pass and winter sports equipment - up to the value of £150 per week.

Yes, the standard excess per claim is £150. Please note that a higher excess of £875 applies in respect of medical emergency repatriation by air ambulance or helicopter service in Nepal.

This policy can offer up to £15 per day for transport to another resort, or compensation of £25 per day if no on-piste skiing is available.

Cover for any off-piste skiing is excluded except when you are skiing within the ski area boundaries of a recognised ski resort and following ski patrol guidelines.

If your return is unavoidably delayed for an insured reason, cover can be extended free of charge for up to 30 days.

The Money Advice Service (MAS) have developed a directory of specialist travel insurance providers to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance.

If you would like to check the quote provided by us is the best for you, you may contact them for details of these providers to obtain a comparison by calling 0800 138 7777 or visiting their website.

You can also see more information on OK to Travel.

We cannot include car hire excess cover as part of this policy. However, our sister company insurance4carhire offers single trip and annual car hire excess cover.

No, this policy is only for leisure skiers.

If you are out on the slopes skiing, snowboarding, or trying other winter sports, there is a real risk of injury, and as you will probably not be covered by standard holiday insurance you will need winter sports cover.

The average cost of winter sports insurance is not excessive, but the cost of treatment for a severe accident while out on the slopes can be in the thousands. It therefore makes sense to be covered should the worst happen.

Personal liability cover as part of winter sports insurance meets the cost of compensation claims made against you if you’re held responsible for causing injury to a person, or damage to property. A minimum cover of £2m for medical expenses and £1m for personal liability is worth investing in, including rescue from a mountain and travel expenses back to the UK.

Cover for off-piste skiing is not usually included as standard, so make sure you add it in if you plan to go off-piste. Similarly, if you want to try out  related activities such as tobogganing, snowmobiling, ice skating, heli-skiing, using the snowpark, skiing in the wilderness without a guide or paraskiing, you will need to find a policy that will include these as additional cover.

If you own or hire expensive skiing kit, and want loss, theft or damage cover for it, you may also need to add this as an extra.

There are also sometimes age limits relating to winter sports insurance policies. Many charge more to insure people over 65, or will not insure them at all.  

Furthermore, if you have any medical conditions, tell the insurer. If you fail to declare a pre-existing condition and later make a related claim, your policy will not cover you and you will have to foot the bills yourself. It might add to your insurance cost, but having to stump up an extra £50 now is better than having insurance claims rejected because of something you didn’t disclose.

As with all insurance policies, if you are unsure if anything is covered check your policy documents carefully or speak to your insurance adviser.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

Exclusions include:

  • Injury when not wearing a helmet: It is compulsory in most ski resorts for children to wear helmets, but it’s still a matter of personal preference for adults. However, most insurance policies require a helmet to be worn, even if it's an unrelated injury such as a broken leg.
  • Liability when failing to follow local rules: if you continue to ski against local authoritative advice you will invalidate your winter sports insurance. Always follow the local dos and don'ts for pistes and snowboarding parks.
  • Skiing when not sober: There is a grey area around how much alcohol is acceptable where insurance and winter sports are concerned. If a doctor or other specialist treating you after an injury reports that you have injured yourself while being too drunk to ski safely, your claim will be declined
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