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Ski cover - know your limits before you slope off at half term

Press release: 29/01/2016

If you're sloping off on a ski holiday this half term, LV= is advising any would-be Marcel Hirschers to make sure they have travel insurance and they understand the limits on their policy plus any terms and conditions before travelling.

Selwyn Fernandes, Managing Director of LV= Travel Insurance commented: "Whether you're skiing in the Alps or snowboarding in Vermont, it's important to protect yourself with travel insurance. Insurance policies can vary greatly in the level of cover they provide and also in the type of terms and conditions that apply. The old adage 'you only get what you pay for' can often apply to travel insurance, so a policy that looks cheap may not leave you adequately insured.

"Worse still, many people still take to the slopes without any cover at all, or simply rely on the EHIC. However, what they don't realise is that this will only provide them with a very basic level of emergency medical care; for example it won't cover the cost of a mountain air-lift which can run into thousands of pounds."

Along with a 10% discount for buying an online travel insurance policy, LV= also offers 'winter sports' as an optional extra which covers emergency medical expenses, personal accident and personal liability on a range of winter sports activities. With both single trips and annual policies available for Europe and worldwide, LV= offers cover for the following winter sport activities:

  • Skiing (including big foot, cross-country, mono, glacier and indoor)
  • Snowboarding
  • Snowblading
  • Sledging and tobogganing

For anyone off on a skiing holiday over the February half term, here are a few ideas from LV= to help them have a hassle free trip:

  • Level of cover: be sure to get the right cover that suits you and your holiday. For example, LV= offers two levels of travel insurance to suit different needs – Essential giving up to £5000 cancellation cover and Premier up to £10,000.
  • Equipment: whether you take your own or are hiring ski equipment, make sure it's covered if it gets lost or stolen. LV= covers ski equipment and ski passes.
  • Off-piste: will you be covered? Whilst some policies won't let customers ski off-piste at all, LV='s winter sports cover allows you 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.
  • Poor weather conditions: you can't really ski if there's no snow! It's worth thinking about whether your travel insurance will help you if this happens. For example, LV= will pay up to £5,000 on the Essential policy and up to £10,000 on the Premier policy to cover the cost of any booked excursions or ski/snowboard lessons that have to be cancelled due to poor weather, or if there is no snow at your ski resort.
  • EHIC: as well as your travel insurance policy, it's still a good idea to take the European Health Insurance Card (EHIC) with you. With LV=, there's no excess to pay if you use your EHIC.
  • Medical conditions: it's important that you tell your insurer about any medical conditions so they can advise if you'll be covered under your policy.
  • Injury and illness before you go: if one of your party is too ill to go away, it may mean that you all wish to cancel. Make sure that all of your holiday expenses are covered. LV= covers the holiday as well as the cost of hired ski equipment, ski school fees and lift passes.
  • Injury and illness while away: make sure you have adequate medical emergency cover and access to a 24 hour helpline. LV= covers up to £10 million for medical emergencies, including search and rescue and getting you home after emergency treatment.
  • Passport: does your insurance help you if you lose your passport? If your passport is lost or stolen, LV= will pay for a temporary one for entry back to the UK.
  • Valuables: are your valuables protected by your policy if they're stolen? Cover for valuables on a standard travel insurance policy can be as little as £150 but with LV=, valuables cover is available up to £500.

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Notes to editors

LV= is Consumer Moneyfacts Highly Commended Travel Insurance Provider of the Year (2016)

For further information please contact:

Nicola Hussey,, 020 8253 5238 / 07468 761 128

About LV=

LV= employs over 6,000 people and serves over 5.8 million customers with a range of financial products. We are the UK's largest friendly society and a leading financial mutual.

When we started in 1843 our goal was to give financial security to more than just a privileged few and for many decades we were most commonly associated with providing a method of saving to people of modest means. Today we follow a similar purpose, helping people to protect and provide for the things they love, although on a much larger scale and through a wide range of financial services including insurance, investment and retirement products.

We are currently the UK's number one brand for Insurance and Investments, according to the 2015 YouGov Brand Index Buzz Rankings.

We offer our services direct to consumers, as well as through IFAs and brokers, and through strategic partnerships with organisations such as ASDA, Nationwide Building Society and a range of trade unions.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. LVFS is a member of the ABI, the AFM and ILAG. Registered address: County Gates, Bournemouth BH1 2NF.