Ski Travel Insurance

Sports travel insurance with the option to include ski cover when activity pack level 3 or 4 is selected.

About Ski Travel Insurance

Care

Ski travel insurance for UK residents

Single and multi-trip travel insurance for UK residents

 

Options

Ski equipment insurance

Optional cover for skis, bindings, ski boots, ski poles, snowboards and specialised clothing available

Certificate

Skiing and snowboarding cover

Ski and snowboard cover can be added for up to 21 days per year, per policy

Direct Debit

Pay for your ski travel insurance by Direct Debit

You can split your payment into instalments

Features of Sports Travel Insurance

Standard cover

Ski holiday cancellation cover

Up to £5,000 cancellation cover depending on whether you have chosen Active Standard Cover or Active Plus, starting at the time of booking until you leave home to commence your trip. Covers cancellation due to injury, serious illness, death, jury service, posting overseas, FCO or WHO advice prohibiting all but essential travel and more. Additional costs incurred as a result of any delay in telling your travel provider that you need to cancel your trip are not covered.

Baggage and belongings cover

Up to £2,000 cover depending on your policy for the replacement or repair of your baggage if it is lost, stolen, damaged or destroyed, or for the cost of buying replacement necessities if your baggage is delayed on outward journey for over 24 hours. Valuables, jewellery or money not covered unless kept on your person or stored in a locked safety deposit box or safe. Single article limits apply.

Personal accident cover while skiing

Our ski travel insurance can include personal accident cover of up to £20,000, depending on the level of cover you have chosen on your policy.

Search and rescue or emergency transfer for skiers

Search and rescue or emergency transfer to hospital up to £50,000 if you are participating in an insured activity covered by your policy. Hospital in-patient cover up to limit shown on the summary of cover.

Ski Travel Insurance FAQs

Question

How does this sports travel policy work?

Answer

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 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).

  1. Select either our single or annual multi-trip cover, and the level of cover you need: Active Standard Cover or Active Plus Cover. Both offer the same type of cover but with higher limits for some areas with Active Plus cover. Please refer to the wording for further details to determine which level of cover is suitable for your needs.
  2. Pick the region(s) you'd like cover for:
    • Europe only
    • Worldwide (excluding USA, Canada & Caribbean)
    • Worldwide (including USA, Canada & Caribbean)
  3. Specify who needs to be covered:
    • An individual (just you)
    • A couple (you and your partner)
    • You (one adult) and children
    • A couple with children (you, your partner and children)
  4. Select the level of cover required from over 100 different activities covered. The level of cover chosen will depend on the type of sports and activities to be undertaken.

Question

What level of cover do I need to choose for ski travel insurance?

Answer

To gain cover for skiing and winter sports 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.

Question

Does your ski travel insurance cover me for coronavirus?

Question

Will I be able to be insured if I have a medical condition?

Answer

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.

Question

Will the E111 / EHIC health agreement still be valid after Brexit?

Answer

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.

Question

What are the details of the Money Advice Service’s customer contact centre for travel insurance queries?

Answer

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.

 

Question

Does your sport travel insurance cover extreme sports?

Answer

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.

Question

How much ski/snowboarding cover is included in this policy?

Answer

Our multi-trip policy can cover up to 17 days of cover for these activities per insurance year.

Question

Can I get sports travel insurance with Towergate if I am not a UK resident?

Answer

Unfortunately, we can only offer sports travel cover to UK residents.

Question

Are their age limitations on this policy?

Answer

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.

Question

Does this insurance cover trips in the UK?

Answer

Our multi-trip sports travel policy can cover UK trips which are pre-booked in paid accommodation for one night or more.

Question

What happens if I am delayed on holiday and my insurance policy expires during that time?

Answer

If your return is unavoidably delayed for an insured reason, cover can be extended free of charge for up to 30 days.

Question

I have a pre-existing medical condition. Can you cover me?

Answer

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.

Question

Can I cancel my policy?

Answer

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.

Question

If my holiday is cancelled, will this be covered?

Answer

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:

  • Injury, serious illness, death of yourself or anyone you were intending to stay or travel with, an immediate relative or close business associate
  • If you become pregnant after policy purchase or booking trip (whichever is later) and will be more than 26 weeks pregnant at the start of or during your trip. Or if a medical practitioner advises not to travel due to pregnancy complications.
  • If you are called to jury service, court as a witness (excluding expert witnesses), or redundancy.
  • If you are posted overseas or required for emergency or unavoidable duty and work in the: medical, nursing, armed forces, police, fire, or ambulance services.
  • If FCO or WHO advice prohibits all but essential travel.

Please check the policy wording for further details on holiday cancellation cover.

Question

Will there be an excess to pay in the event of a claim?

Answer

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.

Question

How much cancellation cover does your sports travel cover include?

Answer

Our sports travel insurance includes £2,500 cover for standard single and multi-trip policies and £5,000 cover for our 'Plus' policies.

Question

Will I have medical cover in the European Union?

Answer

If you are travelling in the EU, you should obtain The European Health Insurance Card (EHIC) by calling +44 (0)300 330 1350 or apply at www.ehic.org.uk.

Question

Are there any exclusions?

Answer

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.

Question

What level of cover do I need to choose for ski travel insurance?

Answer

To gain cover for skiing and winter sports 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.

Question

How much ski/snowboarding cover is included in this policy?

Answer

Our multi-trip policy can cover up to 21 days of cover for these activities per insurance year.

Question

Will this policy cover my ski equipment?

Answer

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.

Question

What if the pistes are closed?

Answer

This policy can offer up to £15 per day for transport to another resort, or compensation of £25 per day if no on-piste skiing is available.

Question

What if I get injured and am unable to ski?

Answer

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.

Question

I am a ski instructor - can I purchase this policy?

Answer

No, this policy is only for leisure skiers.

Question

Will I still be covered if I ski off-piste?

Answer

Cover for any off-piste skiing is excluded except when you are skiing within the ski area boundaries of a recognised ski resort and following ski patrol guidelines.

Question

Are there any restrictions on ski-related activities?

Answer

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.

Question

What winter sports activities can be covered by this policy?

Answer

Other activities we cover that are likely to be found at a ski resort include (but are not limited to):

  • Dogsledding
  • Ice skating
  • Sledding
  • Tobogganing
  • Snow biking (on and off-piste - within resort boundaries)
  • Snow kiting
  • Snow rafting
  • Snowmobiling

Question

Do you provide medical, political and security news for travel?

Answer

Yes, you can sign up to our 360 Assistance Service, which offers online access to contact details for consulates and local medical facilities as well as the latest medical, political and security news. Simply register after purchasing your policy and sign up to alerts for specific countries you're traveling to.

Question

Does this policy cover other sports too?

Answer

This policy 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.

Question

Are there age limitations on this policy?

Answer

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.

Question

Does this travel cover include car hire excess insurance waiver?

Answer

We cannot include car hire excess cover as part of this policy. However, our sister company insurance4carhire offers single trip and annual car hire excess cover.

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:

  • Claims must be submitted within 60 days of your return to the UK.
  • Original receipts and or proof of ownership and value must be provided for any items being claimed for.
  • Damaged items must be kept by you and if requested submitted to the Claims Handlers.
  • If any medical certificates, information, evidence and receipts, are required to support your claim, these must be obtained by you at your expense.
  • For further information on the claims process, please refer to page 35 of the policy wording.
Relaxed Person Making Claim