Ski and Winter Sports Travel Insurance

Name: Travel & Holiday Insurance | Skiing & Winter Sports Cover | LV=
Brand: LV=

From skiing to sledging, you're covered with our winter sports insurance

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Here's what our jet-setting, snow-loving customers say about our winter sports cover...

9.2out of 10

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What's winter sports and ski travel insurance?

Hitting the slopes? If you add our winter sports and ski cover as an optional extra to your travel insurance, you can enjoy skiing, snowboarding, sledging and more!

What's covered with our ski and winter travel insurance?

Whether you're skiing in the French Alps, snowboarding in Vermont or tobogganing in Sochi, we've got you and your gear covered

Choose from our Essential policy or our Defaqto 5 Star rated Premier policy

Not only travel insurance but home insurance both at excellent value. Longer stay away cover.

Icon of a person on a snowboard with some mountains in the background

Our travel insurance winter sports cover optional extra covers you for:

Emergency medical expenses*
Personal accident
Personal liability on a range of winter sports activities

We'll cover you for these activities:

Skiing (including big foot, cross-country, mono and glacier)
Indoor skiing
Snowboarding
Snowblading
Sledging and tobogganing
Snowmobiling and skidooing**

Going in a group? We can insure up to ten people on one policy so all you need to decide is who to invite!

We'll even treat you to a 15% online discount, so what are you waiting for? Get a travel quote today

*Emergency medical expenses are subject to pre-existing conditions being screened and accepted

**No personal liability for snowmobiling and skidooing

Not only travel insurance but home insurance both at excellent value. Longer stay away cover.

Here's what's included with our winter sports cover...

Optional cover (Winter sports)	Essential policy max limit per person	Premier policy max limit per person	Excess per claim
Personal liability for winter sports activities	£2 million per policy
Personal accident as a result of a winter sports activity	£25,000 per person
Emergency medical expenses paid that resulted from doing a winter sports activity	£10 million per person		£90
Unused pre-booked winter sports tuition, due to bad weather	Included as standard – see “Cancelling excursions or activities while on your trip”
Unused pre-paid lift pass for each day it can’t be used because the lifts are not in use	Included as standard – see “Cancelling excursions or activities while on your trip”
Cancel winter sports excursions / activities while on trip eg due to illness	£5,000	£10,000	£90
Cancel / cut short your trip after leaving home if this is required as a result of doing a winter sports activity	£5,000	£10,000	£90

Optional cover (Winter sports)	Essential policy max limit per person	Premier policy max limit per person	Excess per claim
Personal liability for winter sports activities	£2 million per policy
Personal accident as a result of a winter sports activity	£25,000 per person
Emergency medical expenses paid that resulted from doing a winter sports activity	£10 million per person		£90
Unused pre-booked winter sports tuition, due to bad weather	Included as standard – see “Cancelling excursions or activities while on your trip”
Unused pre-paid lift pass for each day it can’t be used because the lifts are not in use	Included as standard – see “Cancelling excursions or activities while on your trip”
Cancel winter sports excursions / activities while on trip eg due to illness	£5,000	£10,000	£90
Cancel / cut short your trip after leaving home if this is required as a result of doing a winter sports activity	£5,000	£10,000	£90

Winter sports and ski cover FAQs

If I buy travel insurance with LV=, will I be covered to ski off-piste?

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 0800 707 6966 - we'll be happy to help.

Lines are open:

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

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

Will I be covered if poor weather conditions affect my ski trip?

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.)

How many days winter sports can I do on holiday and still be covered by my travel insurance?

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 0800 707 6966 - we'll be happy to help.

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

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

What happens if my baggage is delayed, lost or stolen?

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.

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