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Winter Sports Travel

If you are going on a winter sports holiday, it is important to ensure that you have the right insurance in place, so that you don’t receive a substantial bill should you suffer an injury or if your expensive ski equipment gets lost or stolen.  

The right cover

Although many standard holiday insurance policies include medical, loss of baggage and cancellation cover, these standard policies might not cover you for some activities you may wish to participate in on your winter sports holiday. Therefore, it is important to carefully read the policy’s terms and conditions and be aware of any exclusions.

It is sensible to purchase a policy specifically designed for winter sports travel, with cover including:

  • A variety of winter sports activities such as:

–  Off-piste skiing/snowboarding
–  Tobogganing
–  Ice-skating
–  Heli-skiing
–  Bobsleighing
–  Snowmobiling

  • Damage or loss of equipment (this may include hired gear).
  • Reimbursement of ski school fees and equipment hire costs (should you suffer an injury).
  • Lost, stolen or unused ski passes (should bad weather lead to piste closure).
  • Medical cover, mountainside rescue, hospital transportation and repatriation to the UK.
  • Enough cancellation cover for the total cost of your holiday, plus sufficient baggage to protect your possessions.

Purchasing your policy

  • You will need to provide information such as dates of travel, destination, activities you will participate in and personal details of those travelling.
  • We would recommend that you look for minimum cover of £2m medical expenses and £1m personal liability, which is required if you cause injury to someone else and they sue you.
  • Remember to declare any pre-existing medical conditions.
  • Remember to check the age limits of a policy.
  • The cost of purchasing winter sports cover is low compared to having to fund a serious injury. Do not purchase a travel policy based on price alone, and make sure that the right cover is included.

Be aware that some insurers may refuse to pay out if you have an accident but have failed to follow local rules/skied against local authoritative advice e.g. wearing helmets, the do’s and don’ts for pistes or if you’re under the influence of alcohol.



For more information please contact MRIB:

Call: 01494 455 666