Winter Sports Insurance

Protection to clear the way when you’re feeling snowed under.

  • Equipment cover for your skis whether you own them or they are hired
  • Are you addicted to après? Choose from cover for single trips or an annual multi-trip policy
  • If it’s a white out or there’s no snow at all, don’t worry - Piste closure cover will get you back on track with your winter adventure

Get a winter sports insurance quote online:

Retrieve a quote

Get ready to hit the slopes, call us on:

0330 123 2249
0330 123 2249

We’re here for you Weekdays 9am - 5pm
Can’t get through right now? Request a callback

Winter sports insurance available as a stand–alone policy or as part of a travel policy:

Types of winter sports travel insurance available

Skiing might not be the only sport on the cards for your winter holiday so there is cover available for as many activities as possible. If you fancy yourself a bit of an adventurer there's cover for mountain walking and mountaineering (up to 1000m). Alternatively, for an additional premium, you can choose options for snowboarding, tobogganing, ice skating, snowmobiling and even husky dog sledding if you’re looking for a real arctic adventure.

Piste closure cover

Sometimes, there’s too much snow and sometimes there’s none at all! For when nature gets it all wrong, piste closure cover offers you up to £200 (per insured person) towards transport/accommodation if you can’t reach/leave your pre-booked resort. Also, you’ll receive £20 per day (per insured person) from 1st January - 30th April for each full day you can’t ski due to lack of snow or skiing facilities being closed. Please remember we do not provide compensation if you ski in Bulgaria.

24 hour medical assistance service

Benefit from an Emergency Assistance Facilities service, open 24 hours a day and 7 days a week, 365 days a year to offer you advice in an emergency situation. In case of a serious emergency, first call an ambulance using the local equivalent of 999 and once everyone’s safe, call our medical assistance service. We can help with the following: illness or injury, how to pay for your treatment, what to do if you miss a flight due to illness or if an incident causes you to want to come home early. Please keep all hospital bills in the event you need to provide them as evidence for your claim. The policy does not cover compensation if your trip is to Bulgaria.

Personal liability cover

Personal liability insurance covers compensation claims made against you if you’re held responsible for causing injury to a person, or damage to property. While most policies will include personal liability cover as standard (this one does this too),you might find a little more included on this policy compared to others on the market. Choose from up to £1,000,000 on your Standard policy or £2,000,000 on your Premier policy, for each insured-person. Don't forget, this cover does not apply whilst you are in control of a motor vehicle.

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

Tim Thornhill

Tim Thornhill

Head of Travel
“ Towergate is proud to offer a great range of Travel Insurance products. We aim to delight our customers at every turn, whether on the phone or through our new online journey which will be evolving throughout this year. Our team in Cheltenham will be happy to assist you to ensure a truly personal service and peace of mind on your travels.”

Winter Sports Insurance Claims

This policy is administered by Travel Insurance Facilities (TIF) and Union Reiseversicherung AG (URV). TIF have a specialist travel claims team, so it's the friendly team at TIF you'll speak to if you need to make a claim.

They’ll talk you through the details of your claim and advise you of the next steps in the process. If you’re claiming for any stolen property, make sure you have reported your loss to the Police and have obtained a written report and reference number - this will help with your claim.

We would also recommend you share your policy details with your next of kin, just in case they need to act on your behalf should you fall ill and you’re unable to make any contact with our claims team.

Need to make a claim?

Get the ball rolling, call on:

0203 829 6761

The team are available from 9am-5pm Monday to Friday.

Alternatively you can email the team: or find a claims form online here:

Make sure you include; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.

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Check out our articles, guides and infographics here:

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Winter Sports Insurance FAQs

How many days’ is winter sports cover available on an annual multi-trip policy and how long can I be away on a single trip?

Cover is available for up to a maximum of 17 days winter sports cover on a winter sports annual multi-trip policy (not included on normal leisure policy) and up to 365 days single trip cover up to and including the age of 65. If you are aged 66 or over we can only provide cover up to 31 days per trip.

Is there cover for hired ski equipment?

You can have a total of £250 for hired ski equipment cover for each insured person.

Do you provide off-piste ski insurance?

Off-piste skiing is covered as long as you stay within the boundaries of the resort.

What do I do if my trip is cut short?

If your trip is cut short due to medical reasons, then you’ll need to get a letter from the hospital or Doctor to confirm this and call the Emergency Assistance Facilities helpline on 020 3829 6745.

Request a callback

Full name   Contact number     Email address     Please note: This service operates only during office hours.

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