There are some activity holidays we are unable to provide cover for:

These include:-

  • Horse racing, polo and hunting.
  • All aerial sports including paragliding, hang gliding, flying microlight aircraft, piloting any aircraft and hot air balloons.
  • Off road motor cycle sport.
  • Motor sport, motorised racing or time trials.
  • Any professional competition or competing in major international events as a UK representative.
  • Self organised mountaineering or ski touring expeditions which we have not agreed in advance to cover.
  • Exploratory expeditions that we have not agreed in advance to cover.
  • Military exercises.
  • Professional indemnity insurance or public liability insurance for running a business.
  • Employers liability insurance.
  • Public liability or third party liability for operating motorised vehicles.
  • Any travel to the Polar regions for specialist expeditions.
  • Any travel to the Antarctica. 
  • Transatlantic yachting expeditions or ocean crossings and global circumnavigation. 


With effect from September 2021 Snowcard will no longer be offering cover on new policies for:

  • Ski racing and training (cover for ski school races at the end of a recreational winter sports holiday with ski lessons is not affected, these end of holiday events will be covered by your normal winter sports policy)
  • Cresta or bob sleigh runs and races
  • Downhill, enduro, freeride, dirt jumping and cyclo cross mountain bike races or competitions.