Annual Winter Sports Travel Insurance Quote

Ski as many days as you like across the year, on one policy that also covers your summer holidays and everything else you do.

Note trips are restricted to a maximum of 31 days each 

For longer ski trips like a Season Policy Click here 

Buy it once, and every trip you take for the next twelve months is covered which includes non ski trips in the summer and throughout the rest of the year . 

Unlimited days on snow: skiing or snowboarding 

There is no ski-day allowance to keep track of and no limit on the number of trips you take. Three weeks in January, half term in February, a long weekend in April and a fortnight in Spain in August all sit on the same policy.

The one number to know is that any single trip can last up to 31 days.

Six ski trips of 30 days each is fine.

What the annual winter sports policy covers

• Skiing and snowboarding, on piste
• Off piste with a guide
• Off piste without a guide, within resort boundaries and not against local advice
• Cross country skiing, telemarking and splitboarding
• Sledging, tobogganing and ice skating trails
• Snowmobiling, husky and reindeer sledging, and sleigh rides

Emergency medical and repatriation is £10,000,000,

with mountain search and rescue up to £50,000.

Your own ski equipment is covered to £2,000 with a £1,000 single item limit, hired equipment to £750.

Skiing as the sole purpose of your trip needs nothing extra.

Winter sports is built in, not bolted on

Every annual policy on this site includes winter sports.

It is its own policy type rather than a standard annual with skiing added afterwards, so there is nothing to select and nothing to add later — your skiing is covered alongside every other trip you take in the year.

It applies to everyone named on the policy.

On a couple or family annual, winter sports goes on for all of you. If only one person in the family skis, and it is one trip a year, a separate single trip policy for that person is often the better route. Ask us to price both.

Terrain park and other higher-level activities

A few winter sports activities sit above the standard cover, and ski terrain park is the one that comes up most.

We cover it on an annual policy. It is arranged on the phone rather than through the calculator, on 0800 043 0020.

Age limits

Everyone on an annual policy must be under 66 when it is taken out.

Age is re-tested at renewal, so an annual bought at 65 does not renew automatically once you turn 66. Single trip cover reaches further — you can be up to 70 on a single trip to Europe, which is why a 67-year-old skier is usually a single trip customer rather than an annual one.

Between 66 and 75 we can place you through a specialist scheme.

Travel Plus or Just Travel 

That can be arranged over the phone, so call us on 0800 043 0020.

Buying it

An annual can be bought up to 60 days before the start date you choose.

Cancellation cover runs from that start date rather than from the day you buy.

Before you book a longer trip

The 31-day limit is worth planning around, because it is measured on your travel dates rather than your time on the mountain. On any claim, departure and return tickets are checked against the policy, so a trip that ran over 31 days is outside the cover whatever the claim was about.

Two things follow from that:

• A longer trip needs its own single trip policy for the whole thing. You cannot hold an annual and add a single trip policy on top for the extra days — a 40-day trip is a 40-day single trip policy.
• If a trip crosses your renewal date, renew before you go, so the whole trip sits inside one policy year. You must renew when in the UK . 

Going out for the season?

An annual is the wrong product for a full winter — the 31-day limit cuts across it and no combination of policies gets round that. You want ski seasonaire insurance, which is built for a single long stay.

Common questions

How many days skiing is covered on an annual multi trip policy?

There is no limit. The only limit is 31 days per individual trip, and that applies to every trip whether you are skiing or not.

How many trips can I take for winter sports on an annual policy?

As many as you like within the twelve months, each up to 31 days.

Does an annual winter sports policy cover other trips outside the winter season?

Yes. It is a full annual travel policy — summer holidays, city breaks and any other trip in the year are covered on the same policy.

Does winter sports cover come as standard with an annual policy?

On this site, yes — every annual we quote here is an annual with winter sports. It is a distinct policy type from a standard annual travel policy, so it is not something you add on.

I already hold a standard annual policy. Can winter sports be added to it?

Yes, and there is an additional premium. Two things to know before you do.

It goes on for everyone named on the policy, not just the person skiing. And it goes on for the rest of the policy year at the full amount — you cannot add it for a fortnight, or for the days you are away, and it is not priced down for covering less of the year.

So if it is one person taking one ski trip, a separate single trip policy for that person is often cheaper. We will quote both.

Can I add winter sports cover for only part of the year?

No. It applies for the whole policy period.

Should I take an annual policy or a single trip policy?

A single trip policy runs from departure to return and is then finished, so if you are taking more than one trip it cannot cover them all.

Beyond that it comes down to price, and we will quote both.

Is an annual policy suitable for a ski season?

No. The 31-day trip limit means a full season will not fit, and it cannot be extended with a second policy. See ski seasonaire insurance.

Get a quote

Get a quote using the calculator above.

Full terms, conditions and exclusions are in the policy wording.

Important information

To ensure your travel insurance remains valid, you must ensure that you are adequately supervised and that appropriate safety equipment (such as protective headwear) is worn.

Healix Insurance Services Ltd, on behalf of Hamilton Insurance DAC, arranges this travel insurance policy for Jade Stanley Ltd. Healix Insurance Services Ltd is registered in England and Wales under No. 5484190 and authorised and regulated by the Financial Conduct Authority under No. 437248. Hamilton Insurance DAC is registered in Ireland, No. 484148, authorised by the Central Bank of Ireland, and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in connection with their UK branch. Jade Stanley Ltd is registered in England and Wales under No. 03570857 and authorised and regulated by the Financial Conduct Authority under No. 306205.