Do you race, train or compete on the snow? All skiers and snowboarders need insurance. Simple but it’s amazing how many people don’t get the correct level of coverage for the activities they are undertaking. If you’re unlucky enough to have an accident, lose or damage expensive equipment, fall ill or cause injury to others and do not have insurance, you may potentially be faced with massive bills that you’ll be responsible for paying. So, keep it easy and get covered.
However, if you ski/ride competitively and/or participate at organized training camps anywhere you’ll need to get a specialist policy. This is because the risks are obviously much greater and therefore you won’t be covered by a standard winter sports policy. These policies are only available through specialist insurance carriers. For the recreational competitor, standard policies will cover you for fun races and events if you want to try one on holiday.
You can get insurance that covers skiing, snowboarding, snowskating, snowblading,
telemark, snowmobiling, toboganning, cross country skiing, monoskiing, ice skating, and recreational racing. We also cover off piste skiing and snowboarding with or without a guide except where it is undertaken in designated unsafe areas or outside ski area boundaries. They range all over, but here is what a typical policy coverage might look like:
Wintersports Policy |
Single Trip | Annual Multi Trip |
Long Stay | Backpacking Adventure |
| Emergency Medical | $5,000,000 | $5,000,000 | $3,000,000 | $3,000,000 |
| Rescue & Repatriation | $5,000,000 | $5,000,000 | $3,000,000 | $3,000,000 |
| Cancellation or Curtailment | $3000 | $3,000 | $2,000 | $2,000 |
| Holiday Abandonment | $3000 | $3,000 | $2,000 | $2,000 |
| Personal Accident | $20,000 | $20,000 | $10,000 | $15,000 |
| Wintersports Equipment | $500 | $500 | Nil | $500 |
| Ski Pack | $300 | $300 | Nil | $300 |
| Piste Closure | $20 per day up to $200 | $20 per day up to $200 | Nil | $20 per day up to$200 |
| Avalanche | $250 | $250 | Nil | $250 |
| Ski Hire | $200 | $200 | Nil | $200 |
| Student Loan Repayment | Nil | Nil | Nil | $5000 |
| Baggage & Possessions | $1500 | $1500 | $1000 | $1000 |
| Personal Money | $500 | $500 | $200 | $200 |
| Personal Liability | $2,000,000 | $2,000,000 | $2,000,000 | $2,000,000 |
| Legal Expenses | $15,000 | $15,000 | $15,000 | $15,000 |
| Passport Indemnity | $250 | $250 | $100 | $250 |
| Missed Departure | $500 | $500 | $800 | $1000 |
| Delay & Abandonment | $300 | $300 | $75 | $250 |
| Hospital Benefits | $1,000 | $1,000 | Nil | $500 |
| Catastrophe | $1,000 | $1,000 | Nil | $500 |
| Pet Care | $200 | $200 | Nil | Nil |
| Hijack | $500 | $500 | Nil | $500 |
| Mugging | Nil | Nil | Nil | $400 |