Winter Sports Insurance

Add-on cover for your skiing & snowboarding holiday

For an additional premium, stay covered in case of lost equipment, piste closure and more

  • Available on all cover levels
  • Damaged or lost equipment
  • Hire skis
  • Lack of snow

Exclusions, excesses & limitations apply.

Want winter sports cover?

Get a quote

What's covered?*

Excesses, exclusions & limitations apply – scroll down for more details

Piste closure

 Up to £400

Equipment loss

 Up to £2,000


 Up to £400

Equipment theft

 Up to £2,000

Hire skis

 Up to £1,000

*All coverage maximums listed apply to the Premier PLUS cover level.

Before you buy

Key features

Details about our Winter Sports Insurance

Ski equipment

A lot can happen out on the slopes. Get cover for your ski equipment. 


You must take sufficient precautions to secure the safety of Your skis, equipment and ski passes. Cover limits are as follows: £200 for Economy, £500 for Standard, £1,000 for Premier and £2,000 for Premier Plus.

Piste closure

If a lack of snow causes a piste closure and leaves you waiting to ski for more than 24 hours, we'll cover you for travel costs and lift pass charges to another area.


Cover applies to lack of snow only, not bad weather, avalanche or high winds. Cover applies to winter dates in each hemisphere – see full terms and conditions. Cover limits are as follows: £100 for Economy, £200 for Standard, £300 for Premier and £400 for Premier Plus.

Ski hire

Taking a long trip? Worried your bags with your ski stuff might get lost on the way? We'll cover you for replacement ski and equipment hire.


Carrier must certify that luggage has been misplaced on the outward journey of a trip for more than 13 hours. You must provide receipts and written confirmation of the delay. Cover limits are as follows: £100 for Economy, £250 for Standard, £500 for Premier and £1,000 for Premier Plus.

Avalanche cover

If an avalanche or landslide blocks access to and from your ski resort, or causes public transport to be shut down or limited, we'll cover you up to £400 for extra accommodation and travel expenses.


Cover limits are as follows: £100 for Economy, £200 for Standard, £300 for Premier and £400 for Premier Plus.


What you'll have to pay for an approved claim. Swipe the table left and right to see all excesses.

Cover levelEconomyStandardPremierPremier PLUS
All claims*£150£100£85Nil

*Some elements of cover carry a zero excess at all levels – click the link below for full details. Our Excess Waiver add-on can be purchased for an additional premium and reduces all excesses to zero.

See full details >

Terms & Conditions      Contact us    Summary of Cover

Frequently asked questions

What is an "excess fee"?
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Unless you have purchased ‘Premier PLUS’ cover, most sections of the policy carry an "excess fee". This is the amount you will have to pay – separate from your premium – if you make a claim which is approved. The amount may vary depending on the level of cover you have chosen, and is applicable per person, per section.

How can I pay for my policy?
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We accept Visa, MasterCard, Maestro/Switch, Solo, Visa Electron, Delta and American Express credit and debit cards. We can also accept cheques, but only for policies over the value of £100. The policy will not be set up until the cheque has been cleared through our bank. Cheques should be sent to:

PYB Travel Insurance,
Griffin House,
135 High Street,
Crawley RH10 1DQ

If you have questions, please contact us on 0343 658 0253.


What are the main exclusions and conditions of this policy?
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You will not be eligible for coverage if:

  • You’re 66 years of age or older;
  • You live outside of the UK, or have spent more than six months abroad in the year prior to attempting to purchase a policy;
  • You’re planning on travelling against the advice of a medical practitioner.

There are also a number of limitations on cover and different policy exclusions depending upon which level of cover is taken out – please see the Travel Insurance Terms and Conditions for full details.

How is my policy delivered?
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Your policy certificate will be emailed directly to your email address shortly after being issued. Please note that some Internet providers filter our automated emails as spam, so be sure to check your spam/junk folder if the email has not been received.

Are there different policies for single and multiple trips?
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Single Trip policies allow for trips up to 365 days in duration(except for trips within the UK, where the maximum duration is 91 days). Annual Multi-trip policies allow you to travel multiple times within one year, with maximum duration of 21 days for each individual trip you take. Upon payment of an appropriate additional premium, you can extend this to 31, 45 or 62 days per trip, by calling 0343 658 0253.

Am I covered if my plans change?
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Yes – but if your travel arrangements change, then you must call us immediately on 0343 658 0253 to ensure that we are aware of the changes and can evaluate whether cover needs to be extended or any additional premium is required. You must be able to provide the correct period of insurance on your documentation in the event of a claim.

What if my bag is stolen with all my travel documents and money whilst I am travelling?
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You must report any theft or losses to the local police or relevant authority within 24 hours of the event and obtain a written report or confirmation. These reports are the only proof that the loss/theft actually occurred. Without them, we cannot make any payment to you. If you leave luggage and personal items unattended in a public place then we won’t be able to approve your claim. See the key exclusions and conditions within the policy Terms and Conditions for more details.

How to claim

  1. In the event of a medical emergency while you are travelling, please call our medical emergency team at Healix International on +44 (0)343 658 0205 – this number is available 24 hours a day.
  2. All non-emergency claims must be made once you have returned from your trip and notified within 28 days of your return on a policy claim form, accompanied by original invoices, receipts, reports, etc. It is advisable to keep copies of all forms you submit to us.
  3. To make a claim, first check your Certificate of Insurance and the appropriate Section of the policy to make sure that what you are claiming for is covered under your policy.
  4. Then call our dedicated claims team at Claims Settlement Agencies on 01702 553 443 or email


More about Winter Sports Insurance

Extra cover for winter sports

Love skiing, snowboarding and other winter sports? You don't have to go looking for specialist ski travel insurance to get great cover – keep it simple by adding Winter Sports Insurance to your regular Protect Your Bubble Travel Insurance policy.

Available for an additional premium on all of our Travel Insurance cover levels, this add-on gives you extra cover for the winter sports you love.

Covers more than just equipment

Our Winter Sports Insurance combines protection against the loss, theft or damage of your owned or hired winter sports equipment, with additional cover for hire equipment and ski passes – even piste closure and avalanches in certain circumstances.

It's a small step that could make a big difference if unexpected problems come up during your next ski holiday.

Interested? Getting a quote only takes a minute.


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