Winter sports and ski travel insurance

Yes, if you have added winter sports cover to your travel insurance policy, you will be covered to ski or snowboard off piste, as long as you stay within the ski area boundaries of a recognised ski resort and follow the ski patrol guidelines.

For more information about our winter sports cover, please refer to the Document of Insurance.

To add winter sports cover to an existing policy, call us on 0330 678 6222- we'll be happy to help.

Lines are open:

8am - 8pm Monday to Friday
9am - 5pm Saturday and Bank Holidays
10am - 4pm Sunday

Calls may be recorded. For Text Phone: dial 18001 first.

Yes, if you've selected cover for Winter Sports, we'll pay up to £5,000 on the Essential policy or up to £10,000 on the Premier policy if any excursions or ski/ snowboard lessons have to be cancelled due to poor weather or because there is no snow at your ski resort.

You'll also be covered for the costs of the pre-paid ski lift pass for each day the lifts are not in use (up to the total of £5,000 on the Essential policy or £10,000 on the Premier policy.)

Yes, we're able to provide cover for a number of medical conditions. If you require cover, we must be told about all pre-existing medical conditions for everyone named on the policy.

If we're unable to provide cover for anyone's specific conditions you'll be shown this online or told this on the call before you pay for the policy. Once you've taken out a policy, your policy documents will confirm what medical conditions you've told us about and whether cover is provided for them.

We'll either be able to provide cover for all the pre-existing conditions a person has, or none of them. For this reason it is very important that we're told about all conditions for everyone on the policy. If we're unable to cover a person's pre-existing conditions the premium will reflect that this cover has been removed.

Unfortunately we can't give you a quote if you're waiting to have tests or investigations (or waiting for the results of any tests or investigations) for symptoms unless those symptoms are known to be directly related to an existing and already diagnosed condition.

If we can’t cover your medical condition or the premium is higher than you expected, help is still available. The Financial Conduct Authority (FCA) have created a Medical Cover Firm Directory. The directory lists all the firms that may be able to provide a policy to cover your medical conditions.

You can find this directory on the Money Helper website or give them a call on 0800 138 7777. Lines open: Mon – Fri 8am to 6pm.

To make sure that you're covered before and during your trip, it's important that you select the right area of cover.

Our 'UK' area covers:

England
Scotland
Wales
Northern Ireland
Isle of Man
Channel Islands

Our 'Europe' area covers:

Looking for comprehensive European travel insurance? Our coverage extends to an extensive list of countries across the continent. When you choose our 'Europe' area coverage, you can explore Albania, Andorra, Austria, the Azores, the Balearic Islands, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, the Canary Islands, the Channel Islands, Croatia, Cyprus, the Czech Republic, Denmark, Egypt, England, Estonia, Finland, the Former Yugoslav Republic of Macedonia, France, Germany, Gibraltar, Greece, the Greek Islands, Hungary, Iceland, Ireland, the Isle of Man, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, the Netherlands, Northern Ireland, Norway, Poland, Portugal, Romania, Russia west of the Ural mountains, San Marino, Scotland, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine, Wales, and Vatican City State. Enjoy your travels worry-free with our comprehensive coverage

Our 'Worldwide excluding North and Central America, Caribbean and Bahamas' covers anywhere except the following places:

Anguilla, Antigua, Aruba, Bahamas, Barbados, Barbuda, Belize, Canada, Cayman Islands, Caribbean Islands, Costa Rica, Cuba, Curacao, Dominica, Dominican Republic, El Salvador, Grand Cayman, Grenada, Guadeloupe, Guatemala, Haiti, Hawaii, Honduras, Jamaica, Martinique, Mexico, Montserrat, Netherlands Antilles, Nicaragua, Panama, Puerto Rico, Saint Barthélemy, Saint Eustatius, Saint Kitts and Nevis, Saint Lucia, Saint Martin, Saint Vincent and the Grenadines, Trinidad and Tobago, Turks and Caicos Islands, United States of America, Virgin Islands (British and United States)

Our 'Worldwide' area covers:

Anywhere in the world

If you have winter sports cover as part of your travel insurance, we provide cover for up to 31 days on a single trip policy. If you're taking a longer trip and would like winter sports cover, please call us as you won't be able to add this cover option online.

If you'd like annual multi-trip cover, our Essential policy covers a maximum of 17 days of winter sports activities during the year and our Premier policy covers a maximum of 31 days.

To add winter sports cover to an existing policy, call us on 0330 678 6222 - we'll be happy to help.

Lines are open:
8am - 8pm Monday to Friday
9am - 5pm Saturday and Bank Holidays
10am - 4pm Sunday

Calls may be recorded. For Text Phone: dial 18001 first.

If your baggage is delayed or lost in transit, you should tell the company that is transporting your baggage within 24 hours of discovery and ask them to complete a Property Irregularity Report or provide you with a baggage loss receipt.

If you have chosen to add our baggage cover to your policy and your baggage is delayed for more than 12 hours from when you arrive at your destination, your policy provides cover for the purchase of necessary items: up to £250 on our Essential policy and up to £500 on our Premier policy.

If you have cruise cover, the cover limits include the cost of couriering your baggage to your cruise vessel if it has already left the port.

If your baggage is stolen, you should report this to the local police within 24 hours of discovering the theft and obtain a written report. You can claim up to £2,000 on our Essential policy and up to £3,000 on our Premier policy for stolen or lost items. There is a single item limit and total valuables limit of £300 on Essential and £500 on Premier.

If your baggage is lost, you should report the loss to an appropriate person depending on where the loss occurs; for instance, if you lost a ring while in a restaurant, you'd report that to the manager of the restaurant, if you lost a ring while in your accommodation you'd report that to the manager or owner of the accommodation. You must obtain written evidence that you have reported the loss.

Find out to track down your lost luggage.