Adventure Basic policy covers up to 4 weeks of Nordic Cross Country Skiing. For all other modes of winter sports activity, one of the higher cover levels will be necessary. Please refer to the activity levels table for guidance on the level that you will require for on and off piste downhill skiing and snowboarding.
Adventure Plus and Max Adventure policies cover up to 4 weeks of winter sports holidays.
If you ski for more than 4 weeks in a policy year, you must take the Extreme Adventure policy, which does not limit the number of winter sports holidays although there is a 31 day single trip limit which can be extended up to 90 days. The maximum amount of winter sports cover in a 12 month period is 90 days.
Single trip limits - please note that extended single trip limits are available for recreatioal holidays only and not for work or professional travel.
SKI RACING - please note from September 2021 we are no longer insuring ski racing or competition training. This does not affect end of week ski school races forming part of a normal package winter sports holiday with ski lessons.
Important note about calculating winter sports 'weeks' -
These policies are intended for persons who go on no more than 4 weeks of winter sports holidays a year. The ‘4 weeks’ does not refer to the number of days skiing but the travelling time on a winter sports holiday. A week’s winter sports travel will span two weekends, usually travelling Friday or Saturday to the following Saturday or Sunday. This in practice involves 7, 8, 9 or even 10 days of travel but for the avoidance of doubt we count this weekend to weekend travel pattern as being ‘one week’ of winter sports travel. The same principle applies to 2, 3 or 4 week holidays and holidays that start mid-week. Weekend winter sports trips are normally of 3, 4 or 5 days in duration, e.g. Wednesday or Thursday to Sunday (or similar time spans). For the avoidance of doubt, we count two weekend trips as being equal to one week of winter sports holidays. If you are going on a two or three week trip but only one week includes winter sports activity, we will just count that as being one week of the policy entitlement. If you are only skiing for one or two days on a week or longer trip, we will count that as being one weekend of winter sports activity. In the event of a claim we might require evidence of your winter sports activity and might ask you for your ski pass as such evidence. The maximum amount of winter sports we will cover in any 12 month period is 90 days. The maximum single trip limit is 90 days.