Winter Sports Insurance

Stay stress-free on the slopes with our winter sports cover

Up to £500 safety net

If you're too ill or injured to use hired gear, lift passes or ski lessons

Protect your equipment

Up to £1k if your winter sports equipment is lost, stolen or damaged

5 Star rated cover

Our Platinum Travel Insurance has Defaqto's highest rating

What’s winter sports insurance?

Winter sports insurance (or winter sports cover) financially protects you and your equipment if anything goes wrong on your skiing or winter sports holiday.

As well as the cover from your core travel insurance, you’ll also have protection for things like lost or damaged gear, piste closure and costs for hired equipment you’re too ill or injured to use.

If you’re going on a winter sports trip, you need to add this specialist cover when buying your regular travel insurance policy. You won’t be covered without it.

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.

If you want annual ski travel insurance for more than one break in the season, take a look at our annual cover with the Winter Sports add on. This would cover you for every holiday you take in a year, up to 31 days per trip. However, bear in mind you can only do a maximum of 21 days of winter sports throughout the year in total during the policy term.

Winter sports insurance will cover you for:

  • 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

Choose from three levels of cover

Whether you’re an experienced skier or a nervous beginner, you can enjoy your trip knowing you don’t have to worry about having the right cover in place.





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



(£100 Excess)



(£75 Excess)



(£50 Excess)

Piste Closure
(Per complete 24 hrs)



(Max £200)



(Max £200)



(Max £200)

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



(Max £250 per week)



(Max £250 per week)



(Max £250 per week)

Delay caused by avalanche
(travel & accommodation)

£200 £300 £450

Replacement equipment hire
(Per complete 24 hours)



(Max £250)



(Max £250)



(Max £250)

Your equipment is protected

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 and snowboarding 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).

Winter sports which we cover

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

  • Piste skiing
  • Snowboarding
  • Glacier walking/trekking
  • Ice hockey
  • Sledging
  • Tobogganing

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

Winter Sports Insurance covers off-piste skiing

Our winter sports insurance 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.

  • Death, illness, injury or complications of pregnancy or childbirth
    if 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

If your skiing or snowboarding holiday is cancelled

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