Levels of cover

Please start typing your activity in the box below. You are covered for all activities in the level you select and those in lower levels. If you are taking part in multiple activities, make sure you select the highest level that will cover all of your activities.

What is your most extreme activity?

Please check our full activity levels information table - if you cant find a match for your activity - let us know so we can add it.

IMPORTANT - for downhill skiing, you will need at least the Adventure Plus level of cover, do not select Adventure Basic for on and off piste skiing or snowboarding.

If you are taking part in an activity that might be considered out of the ordinary or you are travelling to unusual or remote destinations, please refer full details before proceeding and we will confirm if your trip can be covered.

Annual multi-trip insurance

Cancellation cover (if selected) starts when you book each trip or on the start date entered here and shown on your Insurance Schedule, if this is later. Cover under all other sections of the policy begins when you leave home to go on a trip and ends when you return home from that trip.  The start and finish dates of the trip must fall within the 12 month period of insurance. For trips booked during the 12 month period and that start after the end of the 12 month period, we will provide cancellation cover until the policy ends. Please note that annual multi-trip policies can not be purchased more than 2 months in advance of the policy start date and must be purchased in the UK before departure of your first trip. Cancellation cover commences from the policy start date you specify here.

Single trip limits

Winter sports limits on annual multi-trip policies

Single trip policies

You must insure the full duration of your trip and purchase your insurance before departing from the UK. If you have an annual policy with another insurer and you require higher risk cover with Snowcard for a short duration only, we CANNOT help topping up another insurers policy. You must insure your full trip duration with Snowcard for your policy to be valid.

If you select cancellation cover, it takes effect from the date of policy purchase until your departure date. The insurance for personal belongings, equipment and techno pack (if shown on your Insurance Schedule) is only valid if you have insured the whole duration of each individual trip and starts when you depart from the UK. If you have a Snowcard annual multi trip policy at a lower level of cover, you can purchase single trip top up cover (medical and emergency expenses only) at a higher level for short durations.

The age band selected must be that of the person who is the lead insured name or the oldest person in the family or group. If a group member is older than 56+, it will be cheaper for the group if the older traveller is insured seperately. For persons aged over 75 contact https://www.biba.org.uk for advice.

For annual multi trip policies, use the age band applicable on the policy start date. For single trip policies, use the age band applicable on the date of departure.

Please note a family is 1 or 2 adults and up to 4 children up to the age of 18 – a couple is 2 persons married or living together as married – a group is 2 or more persons travelling together on the same holiday. 

To insure a minor <18 travelling alone, the parent must register their details but insert the name and age of the child when prompted to enter the name of the person to be insured.