Winter Sports Cover is an optional upgrade for trips involving eligible sports or activities on snow or ice.
For cover to apply:
The Winter Sports option must be shown on your policy schedule.
The additional premium must have been paid.
The winter sport or activity you plan to take part in must be listed as covered under the sports and activities section of your policy.
If you have an Annual Multi-Trip or Multi-Trip policy, Winter Sports Cover applies for up to 28 days of winter sports activity during the insurance period.
There is no cover under the Winter Sports section for any insured person aged 65 or over.
Cover can apply to the accidental loss, theft or damage of:
Your own ski equipment.
Hired ski equipment, subject to the separate limit shown in the Table of Benefits.
Ski equipment includes:
Skis and bindings.
Ski boots.
Ski poles.
Snowboards.
The policy can contribute towards the cost of hiring replacement ski equipment if your own ski equipment is:
Lost.
Stolen.
Damaged.
Temporarily lost in transit for more than 24 hours.
The amount payable is subject to the applicable per-24-hour and total limits shown in your Table of Benefits.
Cover can apply to the unused portion of your ski pack and ski pass following:
An accident.
Bodily injury.
Illness.
Disease.
A ski pack includes:
Ski school fees.
Lift passes.
Hired ski equipment.
Cover can apply if skiing facilities at your resort are closed because of:
Lack of snow.
Too much snow.
An avalanche.
This benefit:
Applies only to trips outside the UK.
Applies during the resort's published ski season.
Does not apply to cross-country skiing facilities.
There is no cover where the closure or impending closure was already publicly announced by the tour operator, resort or media when you purchased the insurance or booked your trip, whichever was later.
There is also no cover where transport costs, compensation or alternative skiing facilities are provided to you.
Cover can apply to reasonable additional:
Room-only accommodation; and
Transport costs
if you are delayed by 24 hours or more because of an avalanche or landslide.
The applicable per-24-hour and total limits are shown in your Table of Benefits.
You must be able to provide evidence to support your claim.
If your ski equipment is stolen, you must report it to the police in the country where the theft occurred as soon as possible and obtain a crime reference number or incident report.
If your equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority, hotel or accommodation provider, you must report it and obtain a written record of the incident.
There is no cover for ski equipment left unattended.
If ski equipment is left in an unattended vehicle, cover only applies where it is:
Locked out of sight in a secure baggage area or locked in a dedicated ski equipment storage rack; and
Access has been gained by unauthorised entry.
No.
Only the winter sports and activities listed as covered under the policy are included.
Some activities also have specific conditions, such as:
Remaining on piste.
Using a guide when skiing off-piste.
Taking part on a recreational and non-professional basis.
Not racing or competing.
Using appropriate safety equipment.
Check the sports and activities section before taking part.
Check Sports and Activities Cover
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.
