Ski Insurance


Grab some air and a great deal for your winter break

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5 Star Travel Insurance from Admiral

5 Star expert rated Platinum Travel Insurance from Admiral

Our Platinum level cover has Defaqto's highest 5 Star Rating.

Do I need ski travel insurance?

Adventure sports and winter sports are often not covered by a standard travel policy, so you may need to get specialist cover – like Admiral’s Winter Sports Upgrade.

Not only will you get the standard protection against:

  • Lost or stolen luggage
  • Medical treatment expenses
  • Cancellation cover

You’re also covered for:

  • Lost, stolen or damaged ski equipment
  • Piste closure
  • Delays caused by avalanche

If you’re only planning on skiing once a year, Admiral’s single trip cover with the Winter Sports add-on may suit you. If you want annual ski travel insurance for more than one break in the season, take a look at our annual coverwith Winter Sports added (cover for every holiday you take in a year - up to 31 days at a time).

What's covered by ski travel insurance?

While accidentally finding yourself at the top of a sketchy black run may be a concern, at least having the right cover in place is one thing you won’t have to worry about.

You can choose from three levels of cover to suit your budget and needs:

 

Admiral

Admiral
Gold

Admiral
Platinum

Lost, stolen or damaged ski equipment
(single article limits apply, up to)

£500
(£100 Excess)

£750
(£75 Excess)

£1,000
(£50 Excess)

Piste Closure
(Per complete 24 hrs)

£20
(Max £200)

£20
(Max £200)

£20
(Max £200)

Ski pack cover for illness or injury
(hired ski equipment, ski school fees and lift passes)

£500
(Max £250 per week)

£500
(Max £250 per week)

£500
(Max £250 per week)

Delay caused by avalanche
(travel & accommodation)

£200

£200

£200

Replacement equipment hire
(Per complete 24 hours)

£25
(Max £250)

£25
(Max £250)

£25
(Max £250)

Is my equipment protected with travel insurance?

Sports equipment isn't often covered by standard travel insurance policies. If you're insured with Admiral, you just need to add our Winter Sports upgrade to your travel insurance to get protection against damage to your own, or hired, equipment.

You'll be covered up to a maximum of £1,000 for your equipment (depending on the level of cover you choose.)

We also pay up to £25 (per complete 24 hours) towards the cost of hiring replacements (up to a maximum £250 per person), if yours is delayed more than 12 hours following your arrival at your destination or is lost, stolen or damaged during your trip.

Our ski holiday insurance upgrade will help you out if an unforeseen slope closure happens during your break (pistes must closed for more than 24 hours) and protects against delays caused by an avalanche (cover limits apply).

What's classed as a winter sport?

Winter sports cover gives protection for you to enjoy a whole host of activities on your holiday including:

  • Piste skiing
  • Snowboarding
  • Glacier skiing
  • Big foot skiing
  • Ice hockey
  • Sledging
  • Snowmobiling
  • Tobogganing

Please check your policy document for a complete list of all activities we cover.

Travel insurance covering off-piste skiing

Our winter sports add-on covers adventurous off-piste skiers and boarders as long as it’s on recognised paths within resort boundaries and accompanied by a qualified guide or instructor.

Travel insurance – skiing Europe

Any skier and snowboarder will know there are incredible resorts to hit the slopes around the world, but in 2018, Europe was hit with unprecedented amounts of snow and saw many popular resorts opening the lifts early. The glacier pistes of Val-d’Isère opened in June.

So if you want to check out what Europe has to offer – and there’s a lot – you’ll need to select our European Travel Insurance with the Winter Sports add-on. You’ll be covered in all the top resorts such as France’s Meribel, Val, La Plagne, and Courchevel, Italy’s Cervinia and Zermatt in Switzerland to name a few.

But if the powdery slopes of Canada or America are calling you, you’ll need worldwide cover, with the winter add on.

Our final cover zone is worldwide excluding USA, Canada & Caribbean, so if Japan is taking your fancy – Niseko is often touted as a powder hound’s paradise – this option with winter sports added will get you onto the mountains with the right cover in place.

What happens if my skiing or snowboarding holiday is cancelled?

Depending on the level of insurance cover you choose – Admiral, Admiral Gold or Admiral Platinum – you could get up to £5,000 to cover the costs of your trip, in the in the unfortunate event of it being cancelled for any of the following reasons:

  • Death, illness, injury or complications of pregnancy or childbirth of you, your travel companion, close relative, close business associate or anyone outside your home area you planned to stay with
  • Court cases and quarantine if you or your travel companion, or anyone outside your home area you planned to stay with, is quarantined, called for jury service or as a witness and a court official refuses to postpone
  • Unemployment if you or your travelling companion is made redundant from the company you’ve worked at continuously for at least two years
  • Armed forces and emergency services if you or your travel companion has authorised leave cancelled due to an unexpected emergency
  • Home damage you or your travel companion have to stay at home if it’s seriously damaged by a fire, storm or flood or is burgled within seven days of your departure
  • Passport or visa your passport or visa is stolen in a burglary at your home in the seven days before your departure and you’re unable to get a replacement in time

How do I get a quote?

You can call 0333 234 9913 for an Admiral Travel Insurance quote and ask to add on Winter Sports Upgrade, or you can buy online and select 'Winter Sports Upgrade'.

Your questions answered

We're sure you'll love our great products but maybe you have a few questions. You can find answers in this section.

Do you need winter sports insurance for trips to Lapland?

If you plan on taking part in any of the activities listed above, such as husky sledge driving, you will need to add the upgrade onto your Admiral Travel Insurance policy

Are there any age restrictions for ski insurance?

We do not offer the upgrade to anyone over the age of 65.

Am I covered to ski or board off-piste?

You can go off-piste provided you go with a qualified guide or instructor and remain on recognised paths, within resort boundaries

Does winter sports cover me anywhere in the world?

Admiral Travel Insurance covers the UK, Europe and Worldwide - but there are places that we don't cover.

Your travel insurance won't cover you if you visit somewhere the Foreign and Commonwealth Office (FCO) advises not to. Information from the FCO can be found at www.gov.uk/foreign-travel-advice or by calling 020 7008 1500.

What's covered if the piste closes?

We'll pay up to £20 per 24 hours for each day the pistes and ski lifts are closed in your resort due to lack of snow or bad weather (up to a maximum of £200). This can be used to cover travel expenses to the next open resort or to compensate you if there are no slopes nearby.

Are all winter sports covered?

Our Winter Sports Upgrade covers the following activities: cross country skiing, dry slope skiing and snowboarding, glacier walking/trekking, husky sledge driving, ice hockey, ice skating, luge, mono-skiing, snowmobiles, ski racing, sledging, snowshoeing and tobogganing. If you want to take part in an activity not on the list please call us on 0333 234 9913 to discuss.

Am I covered if I’m injured on the slopes and not wearing a helmet?

You won't be covered for any head injuries that happen on your winter sports holiday if you weren't wearing a helmet. We always recommend wearing a helmet for winter sports.

Are lift passes covered?

Unused lift passes due to illness or injury are covered but you can't claim for lost or stolen lift passes

Is mountain and helicopter rescue included?

Yes, our add-on covers mountain and helicopter rescue in the event of injury or illness; search and rescue isn't covered.

Do under 18s need ski insurance?

Yes they do, you can add a child onto a parent or guardian's cover. Take a look at our Family Travel Insurance page for more information.

Can seasonaires buy the winter sports upgrade?

While there's no restriction on seasonaires buying our cover, the add-on's limited to 17 days in total so we couldn't cover a seasonaire for the entire season.

Can you get winter sports insurance for over 70s?

Our winter sports travel insurance upgrade covers people up to and including the age of 65. Anyone 66 or older won’t be covered.

What does winter sports travel insurance cover?

Our winter sports travel insurance upgrade covers:

  • Lost, stolen or damaged ski equipment
  • Piste closure
  • Delay caused by avalanche
  • Replacement equipment hire

You’ll also get all the benefits of the standard travel insurance you bought – our winter sports upgrade gives you extra cover for when you’re skiing or snowboarding.

Can I get family ski travel insurance?

Absolutely – we offer family holiday insurance for families living at the same address. This can be parents, step-parents, grandparents, aunts, uncles, cousins and children under 18.  

You can add up to two adults and three children to the cover. Simply add on our winter sports upgrade for cover on the slopes. 

 

 

Do I need travel insurance for skiing in Bulgaria?

Yes you’ll need to add our winter sports upgrade onto our European Travel Insurance for any skiing holidays in Bulgaria 

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