Snow point ploughing money down the drain: Airport Parking and Hotels (APH.com) highlights ski insurance policies

ski

According to recent government figures*, almost 40 per cent of winter sports enthusiasts will head to the slopes this ski season without travel insurance. Given the obvious injury risks, no one should contemplate taking this type of holiday without adequate cover. To help skiers and snowboarders alike plan ahead and ensure they secure the best insurance policy for their needs, Airport Parking and Hotels has updated its comprehensive guide comparing the UK ski insurance policies 


COMPANY COST OF INSURANCE IN EUROPE COST OF INSURANCE WORLDWIDE (INCLUDING USA AND CANADA) MEDICAL COVER WINTER SPORTS COVER STIPULATIONS
AA Individual Single Trip

  • Single Trip: £21.86

Family Single Trip

  • Single Trip: £36.64
Individual Single Trip

  • Single Trip: £41.34

Family Single Trip

  • Single Trip: £86.01
Emergency Medical Expenses:

  • Covers up to £10,000,000 (excess £80)
Covers:

  • Ski equipment, hire of ski equipment, ski packs, replacement of ski passes, piste closure and delay owing to avalanche
  • Annual multi-trip offers up to 17 days annual cover for winter sports

 

Additional:

  • Up to £500 for ski equipment (up to £250 any one item or hired equipment)
  • Up to £300 for the hire of equipment if yours is delayed in transit

 

  • Up to £250 for unused ski pack due to injury
  • Up to £200 (£20 per day) if your piste is closed

 

  • Up to £300 if customer is delayed getting to their resort as a result of an a avalanche
AA will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect

 

  • Failing to obtain a written police report within 24 hours in the discovery of loss or theft of ski equipment
  • Piste closure cover only available during months that constitute the local regular ski season
American Express Individual Single Trip

  • Single Trip: £45.68

Family Single Trip

  • Single Trip: £67.99
Individual Single Trip

  • Single Trip: £87.49

Family Single Trip

  • Single Trip: £126.77
Emergency Medical Expenses:

  • Covers up to £10,000,000 (excess £50)
Covers:

  • Ski equipment, hire of ski equipment, delay of equipment over 12 hours, ski packs, replacement of ski passes, piste closure and delay owing to avalanche
  • Annual Multi-Trip offers up to 17 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide
  • Not available to anyone aged over 69 years, taking part in Winter Sports for the first time
American Express will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect

 

  • Failing to obtain a written police report within 24 hours in the discovery of loss / theft of ski equipment
APH (in association with covered2go) Individual Single Trip

  • Bronze: £16.50

Family Single Trip

  • Single Trip: £33.00
Individual Single Trip

  • Bronze: £42.90

Family Single Trip

  • Single Trip: £85.80
Emergency Medical Expenses:

  • Covers up to £2,000,000 (excess £100)
Covers:

  • Ski equipment, hire of ski equipment, ski packs, replacement of ski passes, piste closure and delay owing to avalanche
  • Annual Multi Trip offers up to 31 days (17 days for Winter Sports trips).

 

Additional:

  • Includes Snow Boarding and Off-Piste Skiing (Please refer to the Policy Wording. Terms and conditions apply).
APH (in association with covered2go) will not provide winter sports insurance in the following circumstances:

  • Loss or damage to ski equipment caused by an unattended vehicle
  • Failing to notify the police, carrier or tour operator’s representative about the discovery of loss or theft of ski equipment

 

  • Failure to ski owing to breakdown or damage to the ski lift
  • Failure to ski owing to severe weather conditions
Barclays Individual Single Trip

  • Single Trip: £21.57

Family Single Trip

  • Single Trip: £36.12
Individual Single Trip

  • Single Trip: £30.83

Family Single Trip

  • Single Trip: £64.01
Emergency Medical Expenses:

  • Covers up to £5,000,000 (excess £100)

 

Covers:

  • Annual Multi-Trip offers up to 24 days annual cover for winter sports

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide
  • No cover for ice-hockey, ski-jumping, ski-racing, ski-acrobatics or the use of skeletons or bobsleighs
Barclays will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect

 

  • Failing to obtain a written police report within 24 hours in the discovery of loss / theft of ski equipment
Columbus Direct*
(Was known as Preferential Travel)
Individual Single Trip

  • Bronze Single Trip: £21.40

Family Single Trip

  • Single Trip Bronze: £41.28
Individual Single Trip

  • Bronze Single Trip: £32.70

Family Single Trip

  • Single Trip Bronze: £127.18
Emergency Medical Expenses:

  • Covers up to £5,000,000 (excess £100)
Covers:

  • Ski equipment, hire of ski equipment, ski packs, winter ski packs and piste closure
  • Annual Multi-Trip offers up to 17 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide

 

Preferential Travel will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect

 

  • Loss or damage to ski sports equipment caused by an unattended vehicle
  • If each insured person does not adhere to the International Ski Federation code and any guidelines or recommendations

 

  • Piste closure cover is only available during the months that constitute the local regular ski season
Direct Line* Individual Single Trip

  • Single Trip Cover: £66.04

Family Single Trip:

  • Single Trip: £141.86
Individual Single Trip

  • Single Trip Cover: £100.87

Family Single Trip

  • Single Trip: £216.66
Emergency Medical Expenses:

  • Covers up to £10,000,000 (excess £75)
Covers:

  • Ski equipment, replacement of lost ski passes and fees, piste closure and delay owing ski resort
  • Annual Multi-Trip offers up to 22 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide, snow mobiling, tobogganing, bobsleighing and cross country skiing
Direct Line will not provide winter sports insurance in the following circumstances:

  • Failing to obtain a written police report within 24 hours in the discovery of loss / theft of ski equipment
  • Loss or damage to ski equipment caused by an unattended vehicle
  • Any claim made outside of the recognised ski season in the ski resort where the loss takes place
Endsleigh Individual Single Trip

  • Single Trip Essential: £31.58

Family Single Trip:

  • Single Trip Essential: £73.71
Individual Single Trip

  • Single Trip Essential: £77.63

Family Single Trip:

  • Single Trip Essential: £180.32
Emergency Medical Expenses:

  • Covers up to £5,000,000 (excess £75)
Covers:

  • Ski equipment, replacement of lost ski passes and fees, piste closure and reimbursement of ski school fees
  • Annual Multi-Trip offers up to 17 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding with a guide
Ensleigh will not provide winter sports insurance in the following circumstances:

  • Loss, theft of or damage to Ski Equipment contained in / or stolen from an unattended vehicle between certain hours
  • Loss or damage due to delay, confiscation or detention by customs or other authority

 

  • Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown
Flexicover Individual Single Trip

  • Bronze Sports Medal: £22.99

Family Single Trip

  • Bronze Sports Medal: £43.87

 

Individual Single Trip

  • Bronze Sports Medal: £60.47

Family Single Trip

  • Bronze Sports Medal: £109.94
Emergency Medical Expenses:

  • Covers up to £2,500,000 (excess £125)
Covers:

  • Ski equipment, replacement of lost ski passes and fees, piste closure and delay owing to avalanche and landslide
  • Annual Multi-Trip offers up to 50 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing, tobogganing, ice skating, lacier skiing and cross country skiing
Flexicover will not provide winter sports insurance in the following circumstances:

  • If the person is engaging in organised competitions or when ski/snowboarding against local authoritative warning or advice
Halifax Individual Single Trip

  • Single Trip: £31.12

Family Single Trip

  • Single Trip: £64.54
Individual Single Trip

  • Single Trip: £64.50

Family Single Trip

  • Single Trip: £128.03
Emergency Medical Expenses:

  • Covers up to £10,000,000 (excess £50)
Covers:

  • Ski equipment, ski packs and piste closures
  • Annual Multi-Trip offers up to 24 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide
Halifax will not provide winter sports insurance in the following circumstances:

  • Age limits apply: 75 for annual trip, 64 for winter sports, 65 for trips to the USA, Canada, Mexico, the Caribbean, China, Hong Kong and Singapore
HSBC* Individual Single Trip
Single Trip: £31.24Family Single Trip
Single Trip: £33.10
Individual Single Trip:

  • Single Trip: £38.40

Family Single Trip

  • Single Trip: £96.78
Emergency Medical Expenses:

  • Covers up to £10,000,000 (excess £50)
Covers:

  • Ski equipment, piste closures, delay owing to avalanche and inabilities to take part in Winter Sports Activities
  • Annual Multi-Trip offers up to 21 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide
HSBC will not provide winter sports insurance in the following circumstances:

  • Ski equipment, piste closures, delay owing to avalanche and inabilities to take part in Winter Sports Activities
  • For losses from motor vehicles

 

  • If the loss or theft is not reported to the police within 24 hours of discovery and a written police report obtained (or other independent proof of loss)
  • If customer participates in any winter sports activity that is not listed in the policy booklet

 

  • Pre-existing medical conditions, unless disclosed to and accepted by HSBC
InsureandGo Individual Single Trip

  • Budget Single Trip: £20.44

Family Single Trip

  • Budget Single Trip: £39.09
Individual Single Trip

  • Budget Single Trip: £61.12

Family Single Trip

  • Budget Single Trip: £122.23
Emergency Medical Expenses:

  • Covers up to £5,000,000 (excess £200)
Covers:

  • Ski equipment, piste closures and delay owing to avalanche
  • Annual Multi-Trip offers up to 10 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding

 

Insurance & Go will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect

 

  • Loss or damage to ski equipment caused by an unattended vehicle
  • Failing to obtain a written police report within 24 hours in the discovery of loss / theft of ski equipment
  • For claims of ski equipment which is over five years old

 

  • Piste closure cover is only available if you are skiing in a pre-booked winter sports resort which is 1,000m above sea level
  • Delay due to avalanche cover is only available if there is a report from the resort management substantiating
Lloyds* Family Single Trip

  • Single Trip: £26.24

Family Single Trip

  • Single Trip: £48.73

 

Individual Single Trip

  • Single Trip: £120.29

Family Single Trip

  • Single Trip: £245.46
Emergency Medical Expenses:

  • Covers up to £10,000,000 (excess £50)
Covers:

  • Ski equipment, ski packs, piste closures and delay owing to avalanche
  • Annual Multi-Trip offers up to 31 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide

 

Lloyds TSB will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect

 

  • Any claim for inability to take part in winter sports owing where there is no valid claim for medical conditions
  • Piste closure coverage only available when transport costs, compensation or alternative skiing facilities are not provided
Marks & Spencers* Individual Single Trip

  • Single Trip: £55.44

Family Single Trip

  • Single Trip: £111.87
Individual Single Trip

  • Single Trip: £159.68

Family Single Trip

  • Single Trip: £319.17
Emergency Medical Expenses:

  • Covers up to £10,000,000 (excess £100)
Covers:

  • Ski equipment, replacement of lost ski passes, piste closure, avalanche and landslide cover
  • Annual Multi-Trip offers up to 17 days annual cover for winter sports

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide
Marks & Spencers will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect

 

  • Any claim for inability to take part in Winter Sports owing where there is no valid claim for medical conditions
  • Piste closure coverage only available when transport costs, compensation or alternative skiing facilities are not provided
More Than Individual Single Trip

  • Premier Cover: £26.27

Family Single Trip

  • Premier Cover: £56.92
Individual Single Trip

  • Premier Cover: £79.55

Family Single Trip

  • Premier Cover: £172.34
Emergency Medical Expenses:

  • Covers up to £10,000,000 (excess £40)
Covers:

  • Ski equipment, replacement of lost ski passes, piste closure, avalanche and landslide cover
  • Annual Multi-Trip offers up to 21 days annual cover for winter sports for an extra payment

Additional:

  • Includes off-piste sking and snowboarding in recognised and authorised areas only, ice skating and tobogganing
More Than will not provide winter sports insurance in the following circumstances:

  • Claims arising from the closure of the resort lift system due to avalanches or dangerous winds
OUL Classic Individual Single Trip

  • Classic Cover: £62.32

Family Single Trip

  • Classic Cover: £103.66
Individual Single Trip

  • Classic Cover: £320.83

Family Single Trip

  • Classic Cover: £641.38
Emergency Medical Expenses:

  • Covers up to £10,000,000 (excess £100)
Covers:

  • Ski equipment, piste closure, avalanche and landslide cover
  • Annual Multi-Trip offers up to 31 days annual cover for winter sports
OUL Classic will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect

 

  • Loss or damage to ski equipment caused by an unattended vehicle
  • Failing to obtain a written police report within 48 hours in the discovery of loss / theft of ski equipment

 

  • Piste closure cover is only available if you booked the trip within 14 days of going on the trip
  • Avalanche closure cover only available if the tour operator does not pay for extra travel and accommodation costs
Post Office Individual Single Trip

  • Classic Cover: £48.50

Family Single Trip

  • Classic Cover: £97.00
Individual Single Trip

  • Classic Cover: £109.30

Family Single Trip

  • Classic Cover: £218.60
Emergency Medical Expenses:

  • Covers up to £10,000,000 (excess £60)
Covers:

  • Ski equipment, piste closure, avalanche and landslide cover
  • Annual Multi-Trip offers up to 21 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide
The Post Office will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect

 

  • Failing to obtain a written police report within 24 hours in the discovery of loss / theft of ski equipment
Sainsbury’s Individual Single Trip

  • Single Trip Premium: £26.52

Family Single Trip

  • Single Trip Premium: £60.50
Individual Single Trip

  • Single Trip Premium: £49.38

Family Single Trip

  • Single Trip Premium: £112.67
Emergency Medical Expenses:

  • Covers up to £10,000,000 (excess £50)
Covers:

  • Ski equipment, ski packs, replacement of ski passes, piste closure and delay owing to avalanche
  • Annual Multi-Trip offers up to 24 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and skiing with a qualified guide

 

Sainsbury’s will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect

 

  • Failing to obtain a written police report within 24 hours in the discovery of loss / theft of ski equipment
  • Any claim as a result of participation in off-piste skiing whereby you are not accompanied by a qualified ski instructor

 

  • Piste closure coverage not available when it is not substantiated by a report from the resort management or tour operator
Tesco Individual Single Trip

  • Standard Single Trip: £37.49

Family Single Trip

  • Standard: £76.99
Individual Single Trip

  • Standard Single Trip:

£96.49

Family Single Trip

  • Standard: £200.99
Emergency Medical Expenses:

  • Covers up to £5,000,000 (excess £60)
Covers:

  • Ski equipment, ski packs, replacement of ski passes, piste closure and delay owing to avalanche
  • Annual Multi-Trip offers up to 31 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide, ice skating, cross country skiing and curling
Tesco will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect

 

  • Failing to obtain a written police report within 24 hours in the discovery of loss / theft of ski equipment

1. Prices based on a family of four including two adults & two children (aged 5-7)
2. Travel dates based on: 16th February 2015 – 22nd February 2015
3. Standard winter sports cover unless otherwise stated
4. All quotes based on no pre-existing medical conditions
5. *Quote based in France (Europe) and USA (Worldwide)
6. Annual multi-trip policies that are mentioned are more expensive than single trips quoted


                          

COST OF

INSURANCE IN EUROPE

COST OF
INSURANCE WORLDWIDE

MEDICAL COVER

WINTER SPORTS COVER

STIPULATIONS

AA Individual Single Trip

  • Single Trip: £31.66

Family Single Trip

  • Single Trip: £70.85
Individual Single Trip

  • Single Trip: £76.13

Family Single Trip

  • Single Trip: £170.35
Emergency Medical Expenses:

  • Covers up to £10,000,000 (excess £80)
Covers:

  • Ski equipment, hire of ski equipment, ski packs, replacement of ski passes, piste closure and delay owing to avalanche
  • Annual multi-trip offers up to 17 days annual cover for winter sports

 

Additional:

  • N/A
AA will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect
  • Failing to obtain a written police report within 24 hours in the discovery of loss or theft of ski equipment
  • Piste closure cover only available during months that constitute the local regular ski season
APH (in association with covered2go) Individual Single Trip

  • Bronze: £16.50

Family Single Trip

  • Single Trip: £33
Individual Single Trip

  • Bronze: £ 42.90

Family Single Trip

  • Single Trip: £85.80
Emergency Medical Expenses:

  • Covers up to £2,000,000 (excess £100)
Covers:

  • Ski equipment, hire of ski equipment, ski packs, replacement of ski passes, piste closure and delay owing to avalanche
  • Annual Multi-Trip offers up to 24 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding
APH (in association with covered2go) will not provide winter sports insurance in the following circumstances:

  • Loss or damage to ski equipment caused by an unattended vehicle
  • Failing to notify the police, carrier or tour operator’s representative about the discovery of loss or theft of ski equipment
  • Failure to ski owing to breakdown or damage to the ski lift
  • Failure to ski owing to severe weather conditions
American Express Individual Single Trip

  • Single Trip: £45.68

Family Single Trip

  • Single Trip: £64.70
Individual Single Trip

  • Single Trip: £87.49

Family Single Trip

  • Single Trip: £126.77
Emergency Medical Expenses:

  • Covers up to £10,000,000
Covers:

  • Ski equipment, hire of ski equipment, delay of equipment over 12 hours, ski packs, replacement of ski passes, piste closure and delay owing to avalanche
  • Annual Multi-Trip offers up to 17 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide
American Express will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect
  • Failing to obtain a written police report within 24 hours in the discovery of loss / theft of ski equipment
Barclays Individual Single Trip

  • Single Trip: £21.57

Family Single Trip

  • Single Trip: £34.05
Individual Single Trip

  • Single Trip: £30.83

Family Single Trip

  • Single Trip: £60.33
Emergency Medical Expenses:

  • Covers up to £1,000,000 (excess £150)

 

Covers:

  • N/A
  • Annual Multi-Trip offers up to 24 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide
Barclays will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect
  • Failing to obtain a written police report within 24 hours in the discovery of loss / theft of ski equipment
Direct Line Individual Single Trip

  • Single Trip Cover: £60.73

Family Single Trip:

  • Single Trip: £145.06
Individual Single Trip

  • Single Trip Cover: £99.49

Family Single Trip

  • Single Trip: £222.91
Emergency Medical Expenses:

  • Covers up to £10,000,000
Covers

  • Ski equipment, replacement of lost ski passes and fees, piste closure and delay owing ski resort
  • Annual Multi-Trip offers up to 22 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide, snow mobiling, tobogganing, bobsleighing and cross country skiing
Direct Line will not provide winter sports insurance in the following circumstances:

  • Failing to obtain a written police report within 24 hours in the discovery of loss / theft of ski equipment
  • Loss or damage to ski equipment caused by an unattended vehicle
  • Any claim made outside of the recognised ski season in the ski resort where the loss takes place
Endsleigh Individual Single Trip

  • Single Trip Essential: £31.72

Family Single Trip:

  • Single Trip Essential: £79.51
Individual Single Trip

  • Single Trip Essential: £77.97

Family Single Trip:

  • Single Trip Essential: £194.65
Emergency Medical Expenses:

  • N/A
Covers:

  • Ski equipment, replacement of lost ski passes and fees, piste closure and reimbursement of ski school fees
  • Annual Multi-Trip offers up to 17 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding with a guide
  • N/A

 

Flexicover Individual Single Trip

  • Bronze Sports Medal: £20.80

Family Single Trip

  • Bronze Sports Medal: £47.09

 

Individual Single Trip

  • Bronze Sports Medal: £51.78

Family Single Trip

  • Bronze Sports Medal: £107.15
Emergency Medical Expenses:

  • Covers up to £3,000,000 (excess £125)
Covers:

  • Ski equipment, replacement of lost ski passes and fees, piste closure and delay owing to avalanche and landslide
  • Annual Multi-Trip offers up to 17 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing, tobogganing, ice skating, lacier skiing and cross country skiing
Flexicover will not provide winter sports insurance in the following circumstances:

  • If the person is engaging in organised competitions or when ski/snowboarding against local authoritative warning or advice

 

Halifax Individual Single Trip

  • Single Trip: £41.62

Family Single Trip

  • Single Trip: £102.60
Individual Single Trip

  • Single Trip: £83.34

Family Single Trip

  • Single Trip: £206.92
Emergency Medical Expenses:

  • Covers up to £10,000 (excess £50)
Covers:

  • Ski equipment, ski packs and piste closures
  • Annual Multi-Trip offers up to 21 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide
  • N/A

 

HSBC Individual Single Trip

Single Trip: £38.99

Family Single Trip

Single Trip: £89.25

 

Individual Single Trip:

  • Single Trip: £49.44

Family Single Trip

  • Single Trip: £120.19
Emergency Medical Expenses:

  • Covers up to £10,000,000 (excess £50)
Covers:

  • Ski equipment, piste closures, delay owing to avalanche and inabilities to take part in Winter Sports Activities
  • Annual Multi-Trip offers up to 21 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide
HSBC will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect
  • Any claim for inability to take part in winter sports owing where there is no valid claim for medical conditions
InsureandGo Individual Single Trip

  • Budget Single Trip: £22.11

Family Single Trip

  • Budget Single Trip: £44.22
Individual Single Trip

  • Budget Single Trip: £69.26

Family Single Trip

  • Budget Single Trip: £138.52
Emergency Medical Expenses:

  • Covers up to £5,000,000 (excess £100)
Covers:

  • Ski equipment, piste closures and delay owing to avalanche
  • Annual Multi-Trip offers up to 10 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding

 

Insurance & Go will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect
  • Loss or damage to ski equipment caused by an unattended vehicle
  • Failing to obtain a written police report within 24 hours in the discovery of loss / theft of ski equipment
  • For claims of ski equipment which is over five years old
  • Piste closure cover is only available if you are skiing in a pre-booked winter sports resort which is 1,000m above sea level
  • Delay due to avalanche cover is only available if there is a report from the resort management substantiating
Lloyds TSB Family Single Trip

  • Single Trip: £59.04

Family Single Trip

  • Single Trip: £115.50

 

Individual Single Trip

  • Single Trip: £67.48

Family Single Trip

  • Single Trip: £219.17
Emergency Medical Expenses:

  • Covers up to £5,000,000
Covers:

  • Ski equipment, ski packs, piste closures and delay owing to avalanche
  • Annual Multi-Trip offers up to 17 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide

 

Lloyds TSB will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect
  • Any claim for inability to take part in winter sports owing where there is no valid claim for medical conditions
  • Piste closure coverage only available when transport costs, compensation or alternative skiing facilities are not provided
Marks & Spencers Individual Single Trip

  • Single Trip: £57.53

Family Single Trip

  • Single Trip: £122.53
Individual Single Trip

  • Single Trip: £94.98

Family Single Trip

  • Single Trip: £189.58
Emergency Medical Expenses:

  • Covers up to £10,000,000
Covers:

  • Ski equipment, replacement of lost ski passes, piste closure, avalanche and landslide cover
  • Annual Multi-Trip offers up to 17 days annual cover for winter sports

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide
Marks & Spencers will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect
  • Any claim for inability to take part in Winter Sports owing where there is no valid claim for medical conditions
  • Piste closure coverage only available when transport costs, compensation or alternative skiing facilities are not provided
More Than Individual Single Trip

  • Premier Cover: £26.95

Family Single Trip

  • Premier Cover: £52.56
Individual Single Trip

  • Premier Cover: £79.55

Family Single Trip

  • Premier Cover: £155.11
Emergency Medical Expenses:

  • Covers up to £10,000,000
Covers:

  • Ski equipment, replacement of lost ski passes, piste closure, avalanche and landslide cover
  • Annual Multi-Trip offers up to 21 days annual cover for winter sports for an extra payment

 

Additional:

  • Includes off-piste sking and snowboarding in recognised and authorised areas only, ice skating and tobogganing
More Than will not provide winter sports insurance in the following circumstances:

  • Claims arising from the closure of the resort lift system due to avalanches or dangerous winds
OUL Classic Individual Single Trip

  • Classic Cover: £62.32

Family Single Trip

  • Classic Cover: £103.66
Individual Single Trip

  • Classic Cover: £320.83

Family Single Trip

  • Classic Cover: £641.38
Emergency Medical Expenses:

  • Covers up to £5,000,000 (excess £250)
Covers:

  • Ski equipment, piste closure, avalanche and landslide cover
  • Annual Multi-Trip offers up to 31 days annual cover for winter sports
OUL Classic will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect
  • Loss or damage to ski equipment caused by an unattended vehicle
  • Failing to obtain a written police report within 48 hours in the discovery of loss / theft of ski equipment
  • Piste closure cover is only available if you booked the trip within 14 days of going on the trip
  • Avalanche closure cover only available if the tour operator does not pay for extra travel and accommodation costs
Post Office Individual Single Trip

  • Classic Cover: £47.24

Family Single Trip

  • Classic Cover: £94.48
Individual Single Trip

  • Classic Cover: £106.54

Family Single Trip

  • Classic Cover: £73.52
Emergency Medical Expenses:

  • Covers up to £10,000,000 (excess £60)
Covers:

  • Ski equipment, piste closure, avalanche and landslide cover
  • Annual Multi-Trip offers up to 21 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide
The Post Office will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect
  • Failing to obtain a written police report within 24 hours in the discovery of loss / theft of ski equipment
Preferential Travel Individual Single Trip

  • Bronze Single Trip: £13.92

Family Single Trip

  • Single Trip Bronze: £23.66
Individual Single Trip

  • Bronze Single Trip: £30.94

Family Single Trip

  • Single Trip Bronze: £97.70
Emergency Medical Expenses:

  • N/A
Covers:

  • Ski equipment, hire of ski equipment, ski packs, winter ski packs and piste closure
  • Annual Multi-Trip offers up to 17 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide

 

Preferential Travel will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect
  • Loss or damage to ski sports equipment caused by an unattended vehicle
  • If each insured does not adhere to the International Ski Federation code and any guidelines or recommendations
  • Piste closure cover is only available during the months that constitute the local regular ski season
Sainsbury’s Individual Single Trip

  • Single Trip Premium: £23.01

Family Single Trip

  • Single Trip Premium: £37.21
Individual Single Trip

  • Single Trip Premium: £33.62

Family Single Trip

  • Single Trip Premium: £73.19
Emergency Medical Expenses:

  • Covers up to £10,000,000 (excess £50)
Covers:

  • Ski equipment, ski packs, replacement of ski passes, piste closure and delay owing to avalanche
  • Annual Multi-Trip offers up to 24 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and skiing with a qualified guide

 

Sainsbury’s will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect
  • Failing to obtain a written police report within 24 hours in the discovery of loss / theft of ski equipment
  • Any claim as a result of participation in off-piste skiing whereby you are not accompanied by a qualified ski instructor
  • Piste closure coverage not available when it is not substantiated by a report from the resort management or tour operator
Tescos Individual Single Trip

  • Standard Single Trip: £35.49

Family Single Trip

  • Standard: £73.49
Individual Single Trip

  • Standard Single Trip:

£91.49

Family Single Trip

  • Standard: £190.49
Emergency Medical Expenses:

  • Covers up to £5,000,000
Covers:

  • Ski equipment, ski packs, replacement of ski passes, piste closure and delay owing to avalanche
  • Annual Multi-Trip offers up to 17 days annual cover for winter sports

 

Additional:

  • Includes off-piste skiing and snowboarding with a qualified guide, ice skating, cross country skiing and curling
Tescos will not provide winter sports insurance in the following circumstances:

  • Deliberate damage to ski equipment caused by the person
  • Loss or damage to ski equipment caused by carelessness or neglect
  • Failing to obtain a written police report within 24 hours in the discovery of loss / theft of ski equipment


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