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Compare Our Best Winter Sports Travel Insurance – Forbes Advisor UK

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Data from January to August 2022 from insurer Admiral shows that 70% of its specialist ski insurance policies are sold to individuals, 19% to couples and 12% to families.

Based on this, we ran quotes using our travel insurance journey, powered by CYTI, to find the 10 cheapest policies for a 30-year-old single traveler going on a ski holiday in France for seven days.

We have only analyzed policies that include at least £2 million for emergency medical expenses, £3,000 for trip cancellation and £1,500 for lost or stolen luggage, as recommended by MoneyHelper.

All policies cover Covid-related risks in addition to medical rescue in the event of a blockage on the slopes. They also offer ski pack cover for unused expenses such as the cost of ski school and your ski pass, if you are too ill to participate in activities.

We rated the policies based on the following:

  • Ski equipment: Policies were rated on a scale of one to five. Those offering higher compensation for loss, theft or damage to ski equipment scored more points
  • Ski rental: Policies were rated on a scale of one to five. Those who offer a higher payment to cover ski rental costs scored more points
  • Avalanche: Policies were rated on a scale of one to five. Those who offer a higher payment for costs incurred if you cannot arrive or leave your resort due to an avalanche were awarded more points
  • Closure of slopes: Policies were rated on a scale of one to five. Those who offer a higher payment for losses or additional costs incurred if you cannot ski due to slope closures scored more points
  • Off road : The policies have been scored an additional five points if the cover remains valid if you are skiing/snowboarding off-piste. Note that most policies still require you to be accompanied by a qualified guide or instructor.

The scores for each policy were totaled and converted into a Forbes Advisor rating out of a maximum of five stars.

Note that each policy will require you to pay a deductible – a fixed amount on each accepted claim – unless you choose to waive it by paying an additional premium, if applicable. Cover for ski equipment, equipment rental, avalanches and slope closures can only apply if the particular problem persists for more than 12 or 24 hours. Check your policy wording for details.

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