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Wintersports Travel Insurance

Wintersports Travel Insurance—UK

If you are taking a skiing holiday or a winter break then don't forget your travel insurance. Cover4travel can offer a winter sports policy that includes cover for:

Activities such as:Benefits such as:
  • Skiing.
  • Snowboarding.
  • Snow sledging.
  • Guided cross-country skiing (Nordic Skiing).
  • Mono skiing.
  • Off-piste skiing or snowboarding (in areas designated safe by resort management).
  • Recreational racing.
  • Ski equipment up to £500.
  • Skis hire, £20 per 24 hrs up to £500.
  • Piste closure, £20 per 24 hrs up to £200.
  • Delay due to avalanche, £100 after a full 12hr delay.
Wintersports Cover Limit Excess
Ski Equipment £500 £65
Ski Hire £20 for each 24hr period up to £500 Nil
Ski Pack £300 Nil
Piste Closure £20 for each complete 24hr period up to £200 Nil
Delay due to Avalanche £100 after full 12hr delay Nil
Wintersports Cover Limit Excess

Cover Explained

Ski Equipment: Covers you for accidental loss, theft or damage of ski equipment that you own or have hired up to £500.

Ski Hire: Covers you in the event that your own ski equipment is lost, stolen or damaged; or delayed in transit for more than 12 hours on your outward journey from the UK. You can claim £20 for each 24hr period you are without your own ski equipment up to a maximum of £500.

Ski Pack: Cover you up to £300 if you are unable to use your ski pass, tuition or ski hire due to being involved in an accident / or your sickness / or the loss or theft of your ski pass.

Piste Closure: The insurer will pay £20 for each complete 24hour period up to £200 you are unable to ski due to a lack of snowfall or adverse weather conditions during the months of December to March inclusive (April to October in the southern hemisphere) at your pre-booked wintersports resort.

Delay due to avalanche: You are covered up to £100 for additional travel & accommodation expenses, if your return journey is delayed by at least 12hrs beyond your scheduled departure time as a direct result of an avalanche in your pre-booked winter sports resort.


If you travel more than once during the year, don't forget to check out our annual multi trip policies which includes 17 days winter sports cover per year. Click here to see our Annual Multi Trip policy


Wintersports Travel Insurance—Ireland

If you are taking a skiing holiday or a winter break then don't forget your travel insurance.

Winter sports travel insurance covers you for:

  • Accidental loss, damage or theft of Ski Equipment you own or have rented up to €600.
  • Cover for Ski Hire if you are without your own equipment following loss, damage, theft or delay.
  • €25 every 24hr if Piste is closed due to lack of snow/ adverse weather (up to €250).

Cover4travel can offer a winter sports policy that includes cover for activities such as:

  • Skiing.
  • Snowboarding.
  • Snow sledging.
  • Guided cross-country skiing (Nordic Skiing).
  • Mono skiing.
  • Off-piste skiing or snowboarding (in areas designated safe by resort management).
  • Recreational racing.
Wintersports Cover Limit Excess
Ski Equipment €600 €85
Ski Hire €25 for each 24hr period up to €625 Nil
Ski Pack €365 Nil
Piste Closure €25 for each complete 24hr period up to €250 Nil
Delay due to Avalanche €125 after full 12hr delay Nil
Wintersports Cover Limit Excess

Cover Explained

Ski Equipment: Covers you for accidental loss, theft or damage of ski equipment that you own or have hired up to €600.

Ski Hire: Covers you in the event that your own ski equipment is lost, stolen or damaged; or delayed in transit for more than 12 hours on your outward journey from Ireland. You can claim €25 for each 12hr period you are without your own ski equipment up to a maximum of €625.

Ski Pack: Cover you up to €365 if you are unable to use your ski pass, tuition or ski hire due to being involved in an accident / or your sickness / or the loss or theft of your ski pass.

Piste Closure: The insurer will pay €25 for each complete 24hour period up to €250 you are unable to ski due to a lack of snowfall or adverse weather conditions during the months of December to March inclusive (April to October in the southern hemisphere) at your pre-booked wintersports resort.

Delay due to avalanche: You are covered up to €125 for additional travel & accommodation expenses, if your return journey is delayed by at least 12hrs beyond your scheduled departure time as a direct result of an avalanche in your pre-booked winter sports resort.

Above is only a brief summary of the additional covers under the winter sports cover, please see your policy wording document for full terms and conditions.


If you travel more than once during the year, don't forget to check out our annual multi trip policies which includies 17 days winter sports cover per year. Click here to see our Annual Multi Trip policy.


How do I make a claim?

While you are away

24 hr Medical & Emergency Assistance

What to do in case of a medical emergency

In the event of any illness, injury, accident or hospitalisation involving anyone insured under this policy, where the anticipated costs are likely to exceed £250, you must notify the Emergency Assistance Service.

They will direct you to an appropriate medical facility and may be able to guarantee costs on your behalf.

When contacting our Emergency Assistance Service please ensure you quote the Master Policy Reference: WHIIL/Cover4travel/06/2016.

TEL: 0044 (0) 1733 224 892 *

24 Hours a day, 365 days a year.

Note: You must retain receipts for medical & additional costs incurred.

Hospital Treatment Abroad

If you are admitted to hospital abroad, you must contact the Emergency Assistance Service immediately. If you do not, this could mean that the Insurer will not provide cover or they may reduce the amount they pay for medical expenses. If you are not admitted to hospital, but you receive medical treatment abroad as an outpatient, you should pay the hospital or clinic and claim back your medical expenses from the claims services when you return to the United Kingdom.

Returning early to the United Kingdom/Ireland

If you have to return early to the United Kingdom/Ireland under Section A1 (cancellation and curtailment) or Section B (emergency medical expenses and repatriation), our Emergency Assistance Service must authorise this. If they do not, this could mean that the Insurer will not provide cover or they may reduce the amount they pay for your return to the United Kingdom.

Our Emergency Assistance Service reserve the right to repatriate you should the Insurers medical advisors view you as being fit to travel.

When contacting our Emergency Assistance Service please ensure you quote the Master Policy Reference: WHIIL/Cover4travel/06/2016.

TEL:00 (0) 1733 224 892 *

24 Hours a day, 365 days a year.

Note: You must retain receipts for medical & additional costs incurred

When you return Home

For all sections:

If you need to make a claim, please obtain a claim form no later than 31 days after the event by:

TELEPHONING OUR CLAIMS TEAM

UK: +44 (0) 1733 224 845 ** — Ireland: 0818 946 910 or +44 (0) 1733 224 845 **

Monday to Friday 9.00am – 5.00 pm

Quoting reference: WHIIL/Cover4travel/06/2016

** Calls from BT land lines cost 10p per minute. Calls from mobiles and other networks may be extra.

When you contact us, please ensure that you have the following information available to you, as we will require it to process your claim

  • Master policy reference of WHIIL/Cover4travel/06/2016
  • Your policy number
  • Date of purchase of your policy
  • Travel itinerary
  • Country and resort you visited or intended to visit
  • Actual or intended travel dates
  • Incident date
  • Brief circumstances of your claim
  • Value of your claim

Please note that your claim may be delayed if you are unable to provide us with the above information.