Lapland Insurance Quote

Cover for every activity on a Lapland trip, on one winter sports policy.

What is covered

All of this is included as standard.

There is nothing to add and nothing extra to pay.

• Husky sledding — as a passenger or driving the team yourself
• Reindeer sleigh rides and reindeer farm visits
• Snowmobiling and snowmobile safaris
• Tobogganing, sledging and kick sledding
• Snowshoeing
• Ice skating and snow hockey
• Cross country skiing
• Downhill skiing and snowboarding, if you add a day on the slopes
• Northern lights excursions — by snowmobile, sleigh or on foot
• Ice fishing
• Ice hotel and snow village visits
• Santa visits, the elves, and everything that goes with them

Emergency medical and repatriation is £10,000,000, with mountain rescue up to £50,000.

You need winter sports cover

Husky sledding, snowmobiling and reindeer sledding are winter sports activities.

A standard travel policy does not cover them.

You do not have to ski, or intend to ski, to hold a winter sports policy.

For a Lapland trip it is simply the right product — it is what brings the whole itinerary inside the cover.

Going for the day?

Day trips are covered on the same basis.

A one-day trip to Kittilä, Rovaniemi or the Snow Village still involves husky sledding, sleigh rides and snowmobiles, so it still needs winter sports cover.

Buy it when you book, not the week before you fly.

On a day trip the flight is the whole holiday, and the cover that matters most is the cover that starts the moment you pay.

Cancellation is the cover that matters most

Worth thinking about properly, because Lapland is not a cheap week.

A family package runs from around £2,500 to £4,000, and a premium trip with an igloo stay and a private Santa visit can reach £10,000.

Most of it is paid months ahead, and most of it is non-refundable.

Then you are travelling with small children in December.

Silver carries no cancellation cover at all.

Gold covers £4,000 per person and Platinum £8,000 per person, so for a family of four that is £16,000 or £32,000 across the policy.

For a trip of this size and this far ahead, Gold is the sensible floor and Platinum is worth the difference.

Damage to the snowmobile or the sled is not covered

The other thing worth knowing before you go, and it is the one most likely to cost you money.

Personal liability does not apply to any of these activities.

Not the snowmobile, not the husky sled, not the reindeer sleigh, not the toboggan.

If you roll a snowmobile into a snowbank, the operator will charge you for it, and your policy will not respond.

Snowmobile operators normally hold you liable for damage with an excess running into hundreds and sometimes thousands of euros, and they will take a card imprint before you set off.

Most offer a damage waiver for a small daily fee.

Take it. It is the cheapest part of the day and it covers the one gap your travel policy leaves.

Ask what the excess is and what the waiver actually removes before you sign, because they vary a great deal between operators.

Snow guarantees, and what happens if there is no snow

A Lapland snow guarantee is a booking protection offered by the tour operator, not an insurance product.

Santa's Lapland, Inghams, TUI and Crystal Ski all offer a version of it. If there is not enough snow, they move your trip to different dates at no charge.

It comes from them, it is part of your holiday booking, and it is nothing to do with your travel insurance.

Check what your operator offers when you book, because the terms differ between them.

Insurance does not cover a lack of snow

No travel policy pays out because the weather did not oblige, and anyone telling you otherwise is selling you something else.

What we do is make sure your insurance follows your trip.

If your operator moves your dates, we will move your policy dates to match, free of charge.

Call us with the new dates and we will reissue the certificate.

You also have the statutory 14 days from buying the policy to cancel it for a full refund, provided you have not travelled or claimed.

Finland, Sweden or Norway — and often all three

Lapland is a region rather than a country.

It spans northern Finland, Sweden and Norway, and plenty of trips cross a border without anyone mentioning it.

All three are in our Europe area, so one Europe policy covers the whole trip wherever it goes.

Take a GHIC as well.

It works in Finland, Sweden and Norway, and it sits alongside your policy rather than replacing it.

Travelling with children

Most Lapland trips are families, and the children are usually young.

Children are covered for the activities in the same way adults are.

Operators set their own minimum ages for driving a snowmobile or a sled, and those rules are theirs rather than ours — follow them, and follow the safety briefing.

If a child becomes ill before you travel, cancellation is what responds, which is the reason for the section above.

Cold, kit and the practical bits

Thermal suits and boots are usually included in a package, so you are less likely to be carrying expensive kit than on a ski trip.

What people do take is camera equipment, and phones and cameras fail fast at minus twenty.

Baggage cover has a single article limit, so check it against anything valuable before you pack it.

Common questions

Do I need winter sports insurance for Lapland if I am not skiing?

Yes.

Husky sledding, snowmobiling and reindeer sledding are winter sports activities and a standard policy does not cover them.

Is husky sledding covered?

Yes, as standard, as a passenger or driving the sled yourself.

Are snowmobiles covered?

Yes for injury to you, but not for damage to the machine.

See snowmobiling insurance for the licence requirement in Finland.

Is a Lapland day trip covered?

Yes, on the same basis as a longer trip, and it still needs winter sports cover because of the activities.

Which area do I need for Lapland?

Europe.

Finland, Sweden and Norway are all in it, so a trip crossing all three is covered on one policy.

Which level of cover should I take?

Gold or Platinum.

Silver has no cancellation cover, and on a trip costing thousands and booked months ahead that is the cover you are most likely to need.

Are the children covered for the activities?

Yes, in the same way as adults.

Operators set their own minimum ages for driving, and those apply regardless of the policy.

Are northern lights excursions covered?

Yes, however you go — snowmobile, sleigh, on foot or by car.

Is ice fishing covered?

Yes.

What if I damage a snowmobile or a sled?

That is between you and the operator.

Personal liability does not apply to any of these activities, so take the operator's damage waiver.

Am I covered if I injure someone else on a snowmobile?

No.

There is no personal liability cover on these activities, which is another reason to take the operator's waiver.

What if there is no snow?

Lack of snow is not an insured event on any travel policy.

The snow guarantee that covers it is your tour operator's, not an insurance product — check what yours offers when you book.

If they do move your trip, we will move your policy dates to match at no charge.

What if we do not see the northern lights?

Not insurable.

A policy covers loss, illness and injury, not disappointment.

Can I change my policy dates if my trip moves?

Yes.

Call us with the new dates and we will reissue the certificate.

Does it cover a day on the ski slopes as well?

Yes.

Downhill skiing and snowboarding are included, so a day on the slopes at Levi or Ylläs needs nothing extra.

Can I get cover with a pre-existing medical condition?

Yes, where the condition is on our accepted list.

See medical conditions.

Get a quote

Select winter sports and the Europe area, and the whole Lapland itinerary is covered.

Buy it when you book the trip rather than before you fly, so the cancellation cover is running for the months you are waiting.

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