Less than one in five travel policies covers winter sports: Check you’re insured

15 December 2017

Under one in five (19%) annual travel insurance policies covers winter sports as standard, while only one in 10 (12%) single trip policies provides coverage on the slopes.

The research, carried out by financial database Defaqto, also found that there’s a variation in what winter sports policies cover. For example, three in ten (29%) single trip policies which offer winter sports cover either as standard or as an optional extra do not cover lost ski passes, while only half (50%) of policies offer compensation of £10 to £20 per day for piste closures caused by a lack of or too much snow.

The more advanced and adventurous skiers and boarders also need to be aware what their policy allows when going off-piste. Of the 845 single trip insurance policies that offer winter sports policies on some basis, Defaqto found that 111 (13%) do not cover off-piste skiing.

Meanwhile, despite the majority (85%) of policies now allowing ‘restricted’ off-piste skiing, often travel insurance providers require a professional guide to accompany the policyholder or limit the areas they can ski in, in a resort.

Brian Brown, head of insight at Defaqto, comments: “Skiing holidays are growing in popularity thanks to the boom in cheap flights going to the continent. However, winter sports holidays can be much riskier than a standard beach holiday as you are more likely to get a serious injury or damage expensive ski equipment. If you are planning a winter sports break, it’s vital you check your insurance covers you for this just in case the worst happens.”

See our travel insurance section for more of the latest news and advice. 

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