Single and multi-trip travel insurance for UK residents
Up to £20,000 personal accident cover when skiing off-piste
Optional cover for skis, bindings, ski boots, ski poles, snowboards and specialised clothing available
Insurance for the ski-trip of your dreams
You can cancel your policy within the 14 days cooling off period if you have not yet travelled or have intentions to make a claim.
If you need to cancel your ski holiday before your trip commences you can claim up to £2,500 if you have purchased our Active Standard Cover or up to £5,000 if you have purchased our Active Plus policies.
You can cancel your policy for a number of reasons including death, serious illness, injury, pregnancy, jury duty, posting overseas or if the FCO or WHO prohibit non-essential travel. More information can be found in the FAQs below.
Personal property cover for up to £2,000, depending on your policy, if your luggage is lost, stolen, damaged or destroyed during your trip. If your luggage has been delayed for more than 24 hours and you have to purchase replacement items for necessities this is also covered.
Any valuables, including money and jewellery, is only covered if they are kept on your person or locked away safely in a deposit box or safe. Single article limits apply.
For those travelling with their own ski equipment, optional cover is available to ensure it is fully protected during your trip of a lifetime.
Off-piste skiing comes with far greater risks than on groomed pistes but with this more challenging terrain comes with lots of excitement to be enjoyed.
In the event that something goes awry our off-piste travel insurance includes personal accident cover of up to £20,000, depending on the level of cover you have chosen on your policy.
When your skiing off-piste, the thick snow can hide a multitude of hazards. If you do find that you are injured or stranded and need medical assistance our policy includes up to £50,000 cover for search and rescue or emergency transfer to hospital as long as you are injured in an activity covered in your policy.
Unfortunately, we can only offer off-piste ski travel cover to UK residents.
We offer cover for over 100 different activities, which you'll be able to see in the policy wording or during the quotation process. Note that for off-piste ski travel insurance you will need to select level 3 or 4 when adding your sports activities cover (depending on the skiing activities to be undertaken).
To gain cover for off-piste skiing you should purchase cover for activity level 3 or 4. All FAQs below apply to those who have included these cover levels in their policy.
Other activities we cover that are likely to be found at a ski resort include (but are not limited to):
Our insurance can cover a wide range of sports, from cycling to quad biking, but premiums will range according to the sports you need cover for. You will be able to find this out during the quotation process.
Our multi-trip policy can cover up to 31 days of cover for these activities per insurance year.
Yes, we cannot offer cover for any competition; free-style skiing or snowboarding; ski or snowboard jumping; ski-flying; ski or snowboard acrobatics; ski or snowboard stunting; ski racing; national squad training; or the use of skeletons. See your policy wording for full details.
Yes, levels 3 and 4 cover up to £500 of winter sports equipment (skis, bindings, ski boots, ski poles, snowboards and specialised clothing) and £300 for replacement equipment hire, if your equipment is lost, damaged or stolen, or if it delayed for more than 12 hours on your outward journey.
Our multi-trip sports travel policy can cover UK trips which are pre-booked in paid accommodation for one night or more.
We can offer our annual multi-trip policy to people up to the age of 75 and our single trip policy to people up to the age of 80. Note that the maximum trip length for the multi-trip policy drops to 31 days (as opposed to 60 days), for policyholders over the age of 65.
This will be assessed on a case by case basis. The medical screening experts will ask you several questions relating to your health condition and this will determine whether we are able to offer you cover. Please be reassured, everything you tell the team is treated with the utmost confidentiality and your details will not be shared with anyone outside of the organisation.
We can cover people with many common medical conditions. An extensive list of medical conditions covered can be found in the policy wording. However, if you are unsure, please call the Medical Screening Service on +44 (0)330 660 0563.
The Money Advice Service (MAS) have developed a directory of specialist travel insurance providers to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance.
If you would like to check the quote provided by us is the best for you, you may contact them for details of these providers to obtain a comparison by calling 0800 138 7777 or visiting their website.
You can also see more information on OK to Travel.
If you are travelling in the EU, you can apply for either:
Find out more about the Withdrawal Agreement on GOV.UK
For most people, the UK Global Health Insurance Card (UK GHIC) replaces the existing European Health Insurance Card (EHIC) for new applications. You can apply for one at: https://www.nhs.uk/using-the-nhs/healthcare-abroad/apply-for-a-free-uk-global-health-insurance-card-ghic
No. The UK’s reciprocal health agreements (E111 / EHIC) with the EU will come to an end on the 1/1/2021.
It is therefore vital when travelling within Europe you purchase adequate travel insurance, if you wish to be covered should you require medical treatment.
You can cancel your policy within 14 days of receiving it, if you have not travelled, made a claim, or intend to make a claim.
Our sports travel insurance includes £2,500 cover for standard single and multi-trip policies and £5,000 cover for our 'Plus' policies.
If your holiday is cancelled due to reasons covered under your policy conditions, you may be able to make a claim. A number of covered reasons:
Please check the policy wording for further details on holiday cancellation cover.
If you have an accident or are ill, you will be covered for the unused portion of your ski school, lift pass and winter sports equipment - up to the value of £150 per week.
Yes, the standard excess per claim is £150. Please note that a higher excess of £875 applies in respect of medical emergency repatriation by air ambulance or helicopter service in Nepal.
If your return is unavoidably delayed for an insured reason, cover can be extended free of charge for up to 30 days.
No, this policy is only for leisure skiers.
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.
Claims for this policy are handled by the insurer, Millstream Underwriting Limited. Therefore, claims should be submitted to Millstream Underwriting Limited rather than Towergate Insurance to be processed.
A few keys things to bear in mind when making a claim on your policy:
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