Winter Sports Cover explained
How does Covered2Go Winter Sports Travel Insurance work?
Winter Sports Cover extends eligible Covered2Go Single Trip or Annual Multi-Trip Travel Insurance for specified skiing, snowboarding and winter-sports risks. Cover for skiing and snowboarding applies only when the appropriate additional premium has been paid and the cover is shown on your Certificate of Insurance.
When entering your trip details, select “Winter Sports” under “Add optional cover (if required)”. You must also make sure every planned sport or activity is included at the appropriate Sports and Activities level. The Winter Sports extension benefits apply when Sports and Activities Level 3 or 4 is selected.
Part 1
Choose your base policy
Choose Single Trip or Annual Multi-Trip Travel Insurance and compare the Silver, Gold and Platinum cover levels.
Part 2
Add Winter Sports Cover
Select Winter Sports and make sure your planned skiing, snowboarding or other activity is included at the correct Sports and Activities level.
Before you travel
Check your documents
Check that your travellers, dates, geographical area, Winter Sports Cover and applicable activity level are shown correctly on your Certificate of Insurance.
Your main policy and Winter Sports Cover work together
Winter Sports Cover is not a standalone policy. Your main Covered2Go policy provides the wider benefits available with your chosen cover level, while the Winter Sports extension provides the specified equipment, hire, pack and piste-closure benefits described below.
Heading to the slopes?
Choose the geographical area that covers every country on your trip, select Winter Sports and check that all planned activities are included before getting your quote.
What is Winter Sports Travel Insurance?
Winter Sports Travel Insurance combines an eligible Covered2Go travel insurance policy with Winter Sports Cover and the appropriate Sports and Activities level. It is intended for eligible skiing, snowboarding and other listed winter activities.
Depending on the cover level selected, the extension can provide benefits for winter sports equipment, replacement equipment hire, an unused winter sports pack and eligible piste closure. The destinations, dates and activities must all meet the policy requirements.
Winter Sports Cover at a glance
- Available with Single Trip or Annual Multi-Trip cover
- Available with Silver, Gold and Platinum
- Winter Sports extension applies with Sports and Activities Level 3 or 4
- Benefit limits vary by cover level
- Cover and activity level must be shown on your Certificate of Insurance
Not every winter activity has the same cover
Activities are assigned different Sports and Activities levels and some have special conditions or excluded policy sections. Check the current Policy Wording for each activity you plan to undertake before purchasing.
What can Winter Sports Cover include?
Depending on whether you choose Silver, Gold or Platinum, the Winter Sports extension can include the following maximum benefits. Each claim must meet the applicable definition, conditions and evidence requirements.
Up to £1,500
Winter sports equipment
Cover for the value or repair of eligible own or hired winter sports equipment if it is lost, stolen or damaged during the trip.
Up to £1,500
Replacement equipment hire
Eligible equipment-hire costs if your equipment is lost, stolen, damaged or delayed for more than 12 hours on your outward journey.
Up to £1,500
Winter sports pack
Cover for the eligible unused portion of ski school, resort or lift passes and winter sports equipment hire.
Up to £500
Piste closure
A benefit where on-piste skiing at your pre-booked resort is unavailable because of lack of snow, excessive snow or avalanche conditions.
Wider benefits from your main policy
- Up to £10 million emergency medical expenses
- Up to £50,000 search and rescue for an insured activity
- 24-hour emergency medical assistance
- Up to £10,000 cancellation and curtailment
- Up to £5,000 baggage and personal belongings
- Eligible travel-disruption benefits
Maximum benefits shown are available on selected cover levels. Wider benefits are provided by the relevant sections of the main policy, not the Winter Sports extension itself. Sub-limits, excesses, activity restrictions, evidence requirements, terms, conditions and exclusions apply.
Compare our Winter Sports Cover levels
The table below compares the principal Winter Sports extension limits available with Silver, Gold and Platinum travel insurance.
On a smaller screen? Swipe across to view the complete table.
| Winter Sports benefit | Silver | Gold | Platinum |
|---|---|---|---|
| Winter sports equipment | £500 | £500 | £1,500 |
| Replacement equipment hire | £300 | £300 | £1,500 |
| Winter sports pack | £300 | £300 | £1,500 |
| Piste closure | £300 | £300 | £500 |
This is a summary only. The Winter Sports extension applies when the appropriate Sports and Activities level has been selected, the required premium has been paid and the cover is shown on your Certificate of Insurance. Please check the Policy Wording for the complete limits, definitions, evidence requirements, conditions and exclusions.
Winter Sports benefits explained
The Winter Sports extension is designed for specified events connected with eligible winter-sports holidays. These summaries do not replace the full Policy Wording.
Winter sports equipment
Eligible own or hired skis, bindings, ski boots, ski poles, snowboards and specialised clothing may be covered if lost, stolen or damaged. Depreciation and the applicable single-item limit apply. For equipment more than five years old, the maximum payable is £50.
Replacement equipment hire
Reasonable hire costs may be covered until your equipment is returned or for the remainder of the trip if it is lost, stolen or damaged, or delayed for more than 12 hours on the outward journey.
Winter sports pack
The eligible unused portion of ski school, a resort or lift pass and winter sports equipment hire may be covered, limited to £150 per week, if illness or an accident prevents participation or if a lift pass is lost or stolen.
Piste closure
If all on-piste skiing at your pre-booked resort is unavailable because of lack of snow, excessive snow or avalanche conditions, the policy can pay up to £15 per day towards transport to another resort or £25 per full day for total closure, subject to the overall limit.
Keep supporting evidence
Claims may require reports from the police, resort management, tour operator, airline, transport provider, hire company, medical practitioner or specialist dealer, together with receipts or proof of ownership where applicable.
Which winter sports activities can be covered?
The Policy Wording places different sports and activities into Levels 1 to 4. Select the level required for the highest-rated activity you plan to undertake and check every applicable special condition and exclusion.
Level 3 examples
Conventional skiing and snowboarding
The current list includes conventional skiing and snowboarding, snowblading, dry-slope skiing or snowboarding and cross-country or Nordic skiing on marked trails at Level 3, subject to the stated conditions and exclusions.
Level 4 examples
Higher-risk winter activities
Certain activities such as skiing or snowboarding in a terrain park, snow biking, snow kiting, snowmobiling and bobsleigh are listed at Level 4. Special conditions apply and some policy sections are excluded while taking part.
Other examples
Ice skating and glacier walking
Other winter activities can sit at lower levels. For example, indoor ice skating and outdoor skating on a commercially managed rink are listed at Level 1, while glacier walking is listed at Level 2 with a special condition.
Important skiing and snowboarding conditions
- Follow the International Ski Federation code and the resort regulations.
- Off-piste skiing is excluded unless it is within the ski-area boundaries of a recognised resort and follows ski-patrol guidelines.
- Competitions, freestyle skiing or snowboarding, jumping, ski-flying, acrobatics, stunting, racing, national-squad training and the use of skeletons are excluded.
Examples do not guarantee cover. Activity levels, special conditions and excluded policy sections can change the cover available. Always check the current Policy Wording for your exact activity.
Single Trip or Annual Multi-Trip Winter Sports Travel Insurance?
The right policy will usually depend on the length of your winter-sports holiday and how many other eligible trips you expect to take during the year.
One winter holiday
Single Trip Travel Insurance
Cover for one specific journey. Add Winter Sports Cover and the appropriate Sports and Activities level for the skiing, snowboarding or other listed activities planned during that trip.
Several holidays
Annual Multi-Trip Travel Insurance
Cover for multiple eligible trips during the policy year. When the appropriate premium is paid and cover is shown on your Certificate of Insurance, skiing and snowboarding can be covered for up to 30 days in total during the period of insurance.
Check the activity duration
Make sure the duration of your planned winter-sports activities is within the limits shown on your Certificate of Insurance. Annual Multi-Trip skiing and snowboarding is limited to 30 days in total during the policy period.
Winter Sports Travel Insurance with pre-existing medical conditions
Cover may be available for a range of pre-existing medical conditions. Some conditions are covered automatically when the Policy Wording requirements are met, while other relevant conditions require separate medical screening through Millstream Underwriting Limited.
At present, customers who require screening need a Covered2Go base travel insurance policy and separate Millstream medical screening cover. You can complete these in either order, and you do not need a Covered2Go policy number to begin screening.
Covered2Go policy and Winter Sports Cover
Arrange your main travel policy, select Winter Sports and include the appropriate activity level. Your Covered2Go policy can be purchased before or after medical screening.
Separate Millstream medical screening
Declare relevant conditions online or by telephone. If cover can be offered, any additional medical premium is paid separately to Millstream.
Where screening is required, your Covered2Go policy, Winter Sports Cover, the appropriate activity level and separate medical screening cover must all be in place before you travel. Make sure any additional medical premium has been paid.
How to add Winter Sports Cover
Tell us about your trip and planned activities, select Winter Sports and compare the cover levels available to you.
Step 1
Enter your trip and activity details
Tell us where and when you are travelling and who needs cover. Answer the sports and activities question accurately and select “Winter Sports” under “Add optional cover (if required)”.
Step 2
Choose your cover level
Compare the Silver, Gold and Platinum options and make sure the Sports and Activities level includes every winter activity you plan to undertake.
Step 3
Complete your details and purchase
Provide the remaining traveller information, review your quote and pay for your chosen policy and optional cover.
Step 4
Check your documents
Check that the correct travellers, dates, geographical area, Winter Sports Cover and Sports and Activities level are shown on your Certificate of Insurance.
Important information before your winter-sports holiday
Winter Sports Cover has benefit limits, activity conditions and exclusions. Check these points before purchasing and again before travelling.
Select the correct cover
Skiing and snowboarding cover applies when the appropriate premium has been paid and the cover and activity level are shown on your Certificate of Insurance.
Follow resort rules
You must follow the International Ski Federation code and the applicable resort regulations while skiing or snowboarding.
Equipment limits apply
Depreciation, single-item limits and evidence requirements apply. The maximum for winter sports equipment more than five years old is £50.
Piste closure evidence
A piste-closure claim requires confirmation from the resort management stating how long the piste was closed and the reason.
Follow travel advice
Cover is restricted where you travel against applicable FCDO, government, local-authority or medical advice.
Declare conditions where required
Relevant pre-existing medical conditions must be declared and accepted through separate medical screening where required.
This is not a complete list
Please read your quote, Certificate of Insurance and the current Policy Wording for the full cover limits, activity requirements, special conditions and exclusions.
Why Covered2Go?
Why choose Covered2Go for your winter-sports holiday?
Choose from Silver, Gold and Platinum travel insurance and add Winter Sports Cover with the appropriate activity level for your eligible plans.
Which? Best Buy status
Covered2Go Silver, Gold and Platinum cover achieved Which? Best Buy status in 2026.
Choice of benefit limits
Compare the Winter Sports limits available with Silver, Gold and Platinum to find a level suited to your trip.
24-hour assistance
Emergency medical assistance is available 24 hours a day while you are travelling.
UK-based support
The Covered2Go team can help with general quote and policy questions before your winter holiday.
Need help with Winter Sports Cover?
Contact the appropriate team depending on whether your question relates to your travel insurance and planned activities or medical screening.
Covered2Go Customer Care
For questions about Winter Sports Cover, activity levels, your quote or your Covered2Go policy.
Medical Screening Service
For declaring a condition, discussing medical-screening questions or reporting a change in health.
Ready to arrange cover for your winter holiday?
Get a quote, select Winter Sports, include the appropriate Sports and Activities level and compare Silver, Gold and Platinum cover.
Cover is subject to eligibility, medical screening where required, the premium paid, benefit limits, excesses, activity levels, special conditions and exclusions.
