Wintersports Policy Details
This policy specifically excludes participating in or practising for certain winter sports and activities, unless the appropriate policy has been bought and the appropriate premium paid.
When are You covered for Winter Sports?
If You have purchased a Single Trip policy, You are covered when taking part in Winter Sports if You have paid the appropriate additional premium for the Period of Insurance.
If You have purchased an Annual Multi-trip policy, You are covered when taking part in Winter Sports for one Trip of up to 21 consecutive days during the Period of Insurance when You have paid the appropriate additional premium.
This policy will cover You when You are engaging in the following sports and activities on a non-competitive and non-professional basis during Your Trip when You have paid the additional Winter Sports premium:
| Big-foot skiing |
Recreational Racing |
| Cat skiing |
Skiing (off-piste but on recognised and authorised areas only) |
| Glacier Walking/Trekking up to 4,000 metres |
Skiing (on-piste / glacier) |
| Guided cross- country skiing |
Snowboarding (off-piste but on recognised and authorised areas only) |
| Ice-skating (outdoor) |
Snowboarding (on-piste) |
| Mono-skiing |
Tobogganing |
The following sports and activities will also be covered, but no cover will apply in respect of any Personal Accident or Personal Liability claims:
| Ice sailing/ice windsurfing |
Snow Mobiling |
| Skidoo |
|
You will not be covered for any claims arising directly or indirectly when engaging in or practising for the following sports and activities:
| Bobsleigh |
Ski Acrobatics |
| Free-style skiing |
Ski Bob Racing |
| Heli-skiing |
Ski Flying |
| Ice Hockey |
Ski Jumping |
| Luge |
Ski Racing |
| Parapenting |
Ski Stunting |
| Paraskiing |
Skiing off-piste outside recognised and authorised areas |
| Skeleton |
Snowboarding off-piste outside recognised and authorised areas |
You are not covered when engaging in organised competitions or when skiing against local authoritative warning or advice.
If You are undertaking a pursuit or activity which is not listed in this policy or are in any doubt as to whether cover will apply, please call Our Travel Helpline on 020 7402 9211.
What is covered?
Benefits under the Sections of cover already described are extended to cover Winter Sports as follows. Please note that all terms, conditions and exclusions (except where these are amended under this upgrade) continue to apply for all Sections in respect of Winter Sports. You must read these extensions in conjunction with Sections 1-15 and refer back to them when appropriate for full cover details.
Section 16 Cancellation & Curtailment
What is covered in addition to Section 5:
- Financial loss You suffer in connection with deposits You cannot recover, or for payments You have made (or have contracted to pay) for unused ski pass or ski school fees.
- If You are certified by a Medical Practitioner at the ski resort as being unable to ski as a direct result of injury or sudden and unforeseen illness occurring during the Trip, We will pay You a proportionate refund in respect of charges for unused ski-pack.
Section 17 Skis & Ski Equipment (including snowboards & snowboard equipment)
What is covered in addition to Section 8:
- We will pay up to £500 per Insured Person if skis and ski equipment belonging to You is/are damaged, stolen, destroyed or lost (and not recovered) in the course of a Trip.
- We will pay up to £200 per Insured Person if skis and ski equipment hired by You is/are damaged, stolen, destroyed or lost (and not recovered) in the course of a Trip.
- The maximum We will pay for any one article, or for any one Pair or Set of articles, is £250
Skis and ski equipment are covered against damage or loss whilst in use.
Skis are covered when locked to a roof rack, which is itself locked to the roof of a vehicle.
Special conditions relating to claims
You must take sufficient precautions to secure the safety of Your skis, ski equipment and ski pass and must not leave them Unattended at any time in a place to which the public has access.
Section 18 Ski Hire
What is covered:
If Your luggage is certified by the Carrier to have been misplaced on the outward journey of a Trip in excess of 12 hours, then You can claim up to £25 per day, with a maximum under this policy of £250 per Insured Person, for hire of replacement skis and ski equipment. You must provide Us with receipts and written confirmation from the Carrier confirming the delay.
What is not covered:
Anything mentioned in the General Exclusions.
Section 19 Ski Pack
What is covered:
We will pay up to the amount shown in the summary of cover above for a proportion of the cost of Your ski pack (if You have already paid and can’t get the money back) if You are ill or injured while You are on holiday and You are medically certified as being unable to use it. Ski pack consists of ski school fees or ski instructor fees, hired skis, ski boots and bindings, snowboards, snowboard boots and bindings or ice skates and the cost of any pre-booked lift pass.
Section 20 Piste Closure
What is covered:
If during a Trip You are prevented from skiing at the pre-booked resort for more than 24 consecutive hours, because insufficient snow causes a total closure of the lift system (other than baby drags and lifts used for transport within the resort by non-skiers), We will reimburse up to £25 per day to a maximum of £250 per Insured Person:
- for all reasonable travel costs and lift pass charges You have to pay to travel to and from a similar area to ski; OR
- as a cash benefit payable if no suitable alternative skiing is available.
What is not covered:
- claims arising from closure of the resort lift system due to avalanches or dangerous high winds;
- Trips in the Northern Hemisphere outside the period commencing 1st December and ending 31st March;
- Trips in the Southern Hemisphere outside the period commencing 1st May and ending 30th September;
- anything mentioned in the General Exclusions.
Section 21 Avalanche Or Landslide
What is covered:
If, following avalanches or landslides, access to and from the ski resort is blocked or scheduled public transport services are cancelled or curtailed We will pay up to £25 per day to a maximum of £250 per Insured Person for reasonable extra accommodation and travel expenses. Evidence of limited access will be required.