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Optional winter sports cover with Freedom insurance

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Medical Cover

Ski Equipment

Medical Cover

Piste Closure

Medical Cover

Loss of Ski Pack

Medical Cover

Delayed Ski Equipment

View our winter sports cover options and policy benefits

Benefit (excess) Silver Gold Platinum
Ski equipment (total) £1,000 (£100) £1,000 (£75) £1,000 (£50)
Ski equipment (owned) £500  £750 £1,000
Ski equipment (hired) £250 £500 £750

Delayed ski equipment

(£50 per 12hrs)

£500 £500 £500
Loss of ski pack £250 £500 £500

Piste closure

(£100 per 12hrs)

£1,000 £1,000 £1,000

Policy benefits are per person, per trip. No cover is provided for any winter sports activity unless the winter sports extension is purchased.

View policy wording and full list of benefits


Freedom travel insurance policies will cover you when you are engaging in the following winter sports on a non-competitive and non-professional basis during your trip providing you have paid the additional winter sports premium. Cover is only applicable if this is shown on your policy schedule.

The winter sports extensions provides additional cover benefits as shown in the summary table above.

This policy excludes certain winter sports and activities. Please check your policy wording to ensure that the activity you are participating in is covered.

  • Winter sports is limited to 17 days on an annual multi-trip policy.
  • The maximum age for winter sports cover is 65.


The following activities are covered by the winter sports extension:

  • Cat skiing (with guides
  • Snow blading (no jumping tricks)
  • Cross country skiing
  • Snow bobbing
  • Glacier skiing
  • Snow scooting
  • Ice hockey
  • Langlauf (cross country skiing)
  • Snow shoeing
  • Monoskiing (not for time trials/speed skiing or racing)
  • Snow tubing
  • Skiing on piste
  • Snow blading
  • Skiing or snowboarding off piste (within local ski patrol guidelines)
  • Snow boarding on piste
  • Sledging/tobogganing


The following activities will be covered but there will be no cover in respect to Personal Accident or Personal Liability claims:

  • Kite snowboarding
  • Snow carting
  • Snow go-karting
  • Snowmobiling
  • Skidoo
  • Snowmobile safari


You are not covered when engaging in organised competitions or when skiing against local authoritative warning or advice. If you need to cover an activity not listed above please contact us on 01223 446 914.