N.B. Insurance policies available from this website can only be used by UK, Channel Islands and Isle of Man residents.

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What level of cover do I need?

Levels of cover

Please start typing your activity in the box below. You are covered for all activities in the level you select and those in lower levels. If you are taking part in multiple activities, make sure you select the highest level that will cover all of your activities.

What is your most extreme activity?

You require: Proceed

Please check our full activity levels information table - if you cant find a match for your activity - let us know so we can add it.

If you are taking part in an activity that might be considered out of the ordinary or you are travelling to unusual or remote destinations, please refer full details before proceeding and we will confirm if your trip can be covered.

How many weeks winter sports on multi trip policies
Cover for COVID19
Expeditions
Excluded activities
Read about the locations we cover
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Annual multi-trip insurance

Cancellation cover (if selected) starts when you book each trip or on the start date entered here and shown on your Insurance Schedule, if this is later. Cover under all other sections of the policy begins when you leave home to go on a trip and ends when you return home from that trip.  The start and finish dates of the trip must fall within the 12 month period of insurance. For trips booked during the 12 month period and that start after the end of the 12 month period, we will provide cancellation cover until the policy ends. Please note that annual multi-trip policies can not be purchased more than 2 months in advance of the policy start date and must be purchased in the UK before departure of your first trip. Cancellation cover commences from the policy start date you specify here.

Single trip limits

Winter sports limits on annual multi-trip policies

Single trip policies

You must insure the full duration of your trip and purchase your insurance before departing from the UK. If you have an annual policy with another insurer and you require higher risk cover with Snowcard for a short duration only, we CANNOT help topping up another insurers policy. You must insure your full trip duration with Snowcard for your policy to be valid.

If you select cancellation cover, it takes effect from the date of policy purchase until your departure date. The insurance for personal belongings, equipment and techno pack (if shown on your Insurance Schedule) is only valid if you have insured the whole duration of each individual trip and starts when you depart from the UK. If you have a Snowcard annual multi trip policy at a lower level of cover, you can purchase single trip top up cover (medical and emergency expenses only) at a higher level for short durations.

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Important information about your age
How many people to be insured?

The age band selected must be that of the person who is the lead insured name or the oldest person in the family or group. If a group member is older than 56+, it will be cheaper for the group if the older traveller is insured separately. For persons aged over 75 contact https://www.biba.org.uk for advice.

Please note a family is 2 adults and upto 4 children up to the age of 18 – a couple is 2 persons married or living together as married – a group is 2 or more persons travelling together on the same holiday. For single parent families, use either the couple or group options.

To insure a minor <18 travelling alone, the parent must register their details but insert the name and age of the child when prompted to enter the name of the person to be insured.

Premium
(inclusive of insurance premium tax)
£10m emergency medical and rescue insurance and £2m personal liability standard on ALL policies.
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Now tailor your quote

Ski Insurance

If you’re looking for ski holiday insurance, then you’re in the right place! Snowcard Insurance Services has been providing skiers and snowboarders with flexible, adaptable ski cover insurance and peace of mind since 1990. Snowcard is the best value ski trip insurance.

As one of the UK’s longest serving specialist providers of winter sports ski insurance, Snowcard cover a wide range of winter sports activities including on and off-piste skiing with or without a guide. All of our ski holiday insurance policies include invaluable search and rescue insurance, critical for travel in the mountains where heli rescue costs must be paid for by the injured skier. 

Whatever your style of skiing, we have a policy to suit your needs. Snowcard is the best ski travel insurance available in the UK with over 30 years of experience insuring skiers and snowboarders. Our insurers operate a 24/7 emergency service, who are able to provide a unique and specialist claims service for skiers. 

The winter sports activities we cover are listed below. If you can not see the winter sports activity you are taking part in, please email with details and we will advise if cover can be provided.

Please note all policy levels include serach and rescue including helicopter and air ambulance costs.

Adventure Basic

Cross country lauglauf skiing on marked resprt trails

Adventure Plus

Cross country langlauf skiing away from resort trails

Skiing on and off piste with or without a guide on marked resort runs and unpisted trails on resort ski area maps

Snow shoeing on marked resort trails

Max Adventure

Cross country langlauf ski marathon amateur events

Snowboarding - on and off piste with or without a guide on marked resort runs and unpisted trails on resort ski area maps

Ski touring (ascending using skins) - back country skiing or snowboarding including telemark, skidoo, snowcat or helicopter skiing

Heli and snowcat skiing

Split boarding - back country touring

Snow shoeing away from marked resort trails

Extreme Adventure

Pipe and park freestyle skiing and snowboarding (but excluding competitions)

Ski touring (pulling pulks) - commercially guided tours only

Ski mountaineering - alpine ascents using mountaineering equipment (European destinations only)

Pro Adventure

Ski mountaineering - alpine ascents using mountaineering equipment (Worldwide destinations)

Ski touring (pulling pulks) - unguided - you must provide full details of the trip for acceptance before proceeding

Activities covered: click here for full list

Taking chances on the slopes without adequate ski cover is a problem (the FCDO estimates around 1 in 5 skiers ignores the need for ski insurance). Should you require medical assistance, or even helicopter rescue in an emergency situation, then you will need to be covered with a good ski travel insurance. Average claims costs are over £1500. If you need a helicopter rescue and hospitalisation is involved, average costs exceed £5000, serious injuries can run into much higher figures, especially in North America where claims regularly exceed £50,000. 

As an established specialist provider of ski travel insurance, we understand customer requirements when it comes to skiing, which is why we can offer cover for skiing on and off-piste with or without a guide, allowing you to enjoy your adventure with security and peace of mind. 

The Swiss Federal Institute For Forest, Snow and Landscape Research website outlines each avalanche danger level with the European Danger Scale. You should be aware of these guidelines as failure to exercise a duty of care and triggering avalanches that cause other skiers or snowboarders injury or death has recently landed the unaware in court! Snowcard ski cover insurance also includes personal liability insurance.

 

Why Take Out Travel Insurance for Skiing With Snowcard?

As for any holiday or trip abroad, the last thing you want to think about is what could go wrong and that’s why we provide access to 24/7 emergency assistance no matter where you are in the world. Our ski holiday insurance policies are designed to respond in a crisis, and whilst our premiums are competitive for the high level of cover we give, it’s important to know when comparing quotes for ski travel insurance that standard, budget or cheap policies typically provide you with much lower levels of cover, often underwritten by insurers with little or no experience of the mountains. Our ski holiday insurance is suitable for all skiers and has been tried and tested over many years.

If you’re new to skiing and planning a ski holiday for the first time, then you may want to read how to stay safe on the slopes, a guide produced by GOV.UK. This will help you choose the right ski holiday insurance for you as well as providing you with further information about skiing.

If you would like to find out further information about our ski insurance or want to enquire about our ski cover policies then please get in touch with us - you can use our contact form or email. We would more than happy to answer any queries you may have about our ski insurance. 

FAQs

What Ski Insurance Do I Need?

At Snowcard we have specialist travel insurance suitable of all types of skiers.

We offer specialist cover for the following activities:

  • Nordic cross-country skiing
  • Pipe and park freestyle skiing and snowboarding
  • Skiing - on and off piste with or without a guide
  • Ski-biking and ski bobbing
  • Ski touring (ascending using skins) - back country skiing or snowboarding, skidoo, snowcat or helicopter skiing
  • Ski mountaineering - alpine ascents using mountaineering equipment
  • Ski cover Insurance Skiing On and Off Piste

Why Use a Specialist Ski Travel Insurance Provider?

A specialist travel insurance provider will cover you for a range of different activities that will not be covered by a standard travel insurance policy.

Purchasing non-specislist ski cover rather than specialist travel insurance can be a huge risk and could leave you having to pay thousands in medical bills. A standard travel policy may not cover you for certain situations that may occur when you’re skiing and the claims handlers might not have the expertise to deal with your situation.  A specialist Snowcard policy will offer you insurance protection that is made to respond in a crisis based on over 30 years winter sports insurance experience.

What Does Ski Travel Insurance Cover?

Here at Snowcard our polices are tailored so that you have protection specific to you, our specialist insurance includes cover for:

  • Emergency medical treatment
  • Search and rescue
  • Heli evacuation
  • Repatriation to the UK
  • Personal Liability
  • Personal Accident
  • Ski Equipment
  • Techno pack – for cameras and electronics
  • Cancellation and cutting short a trip
  • Travel Delays
  • Missed Departure
  • Travel Disruption
  • Piste Closure