Ski and Winter Sports 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 will 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.)

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 will 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.