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Sports and Activities

  1. If the pistes are closed in my resort, can I claim for not being able to ski?

    If you are prevented from skiing at the pre-booked resort for more than 12 consecutive hours because insufficient snow or an avalanche results in the skiing facilities (excluding cross-country skiing) in your resort being closed and it is not possible to ski, we will pay up to the policy benefit shown in the terms and conditions subject to the appropriate winter sports premium being paid. Please refer to the piste closure section of the policy wording.

  2. Can we extend our winter sports cover beyond 17 days on Year Round cover?

    No, 17 days is the maximum days allowed on our Year Round policies. If you require cover for longer than 17 days, this can be arranged under a single trip policy.

  3. If I get hurt whilst on a skiing holiday and have not taken out winter sports cover, would I be covered?

    No, for protection against certain losses occurring whilst skiing, you would need to upgrade your policy to include winter sports cover.

  4. I might want to take part in extreme sports while I’m away. How will I know if they are covered?

    Certain sports and activities are automatically covered and detailed in the policy wording. If you are unsure of whether your activity will be covered, please contact us for clarification.

  5. Under the winter sports cover, can I ski or snowboard off piste?

    Skiing and snowboarding off piste is covered within the resort boundaries only.

  6. I quite fancy having a go at parascending off the beach or maybe even scuba diving. Would I be covered if I had an accident?

    Our sports and activities list, detailed in the policy wording, offers automatic cover for a number of activities, including scuba diving to a depth of 30 metres and parascending over water.

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Accepted conditions

The following medical conditions are automatically covered and you do not need to tell us about them, as long as you:
  1. have no other pre-existing medical conditions which are not listed below
  2. are not awaiting surgery for the condition
  3. have been fully discharged from any post-operative follow-up
Please click here to read the Special Terms

Special Terms

In addition to any Medical Condition on the list above, you may be automatically accepted for cover, provided You do not have more than ONE of the following Medical Conditions or ANY other Pre-existing Medical Condition.


Arthritis (Arthromyalgia, Joint Pains, Juvenile Arthritis, Osteoarthritis, Psoriatic Arthritis, Reiter's Syndrome, Rheumatism, Rheumatoid Arthritis, Still's Disease, Synovial Inflammation):
 • There must have been NO hospital admissions within the last 12 months.
 • No more than 2 medications.
 • No mobility aids (other than walking stick or frame).
 • Must NOT be awaiting surgery.
 • Must have NO lung problems.

Down's Syndrome:
 • There must be NO associated conditions or complications (e.g. congenital heart disease, epilepsy, gastrointestinal abnormalities)

Hypercholesterolaemia (High Cholesterol):
 • No more than 1 medication.
 • Must NOT be the inherited form.
 • Must have been a non-smoker for at least 12 months.

Hypotension (Low Blood Pressure):
 • Must NOT be associated with any underlying condition.

Osteoporosis (Osteopaenia, Fragile Bones, Thinning Bones):
 • There must have been NO vertebral (backbone) fractures

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