Skiing at Christmas? Here’s What Your Travel Insurance Actually Covers
There’s something special about heading to the mountains at Christmas. The twinkly lights reflecting off fresh snow, warming your hands around a mug of hot chocolate, and that wonderful feeling when you clip into your skis for the first run of the season!
But before you zip up your jacket and make a beeline for the lifts, it’s worth understanding what your Christmas ski holiday insurance actually covers. Not the boring small print stuff, just the practical bits that’ll give you peace of mind while you’re enjoying the slopes.
If you’re travelling with Freedom and you’ve added the winter sports upgrade, here’s everything you need to know about your ski travel insurance cover.
Are You Covered While Skiing at Christmas?
Yes, you are. Once you’ve added the winter sports option to your travel insurance, Freedom has you covered for all the winter activities you’d expect on a Christmas ski trip: skiing on piste, snowboarding on piste, cross-country skiing, glacier skiing, and even off-piste skiing – as long as you’re following the local ski patrol guidelines.
What Winter Sports Activities Aren’t Covered by Ski Insurance?
Like any winter sports travel insurance policy, there are some activities that fall outside the cover because they carry additional risk.
Heli-skiing isn’t included in your standard winter sports cover. Neither is ski racing or freestyle skiing. If you venture off-piste beyond the recognised areas, you won’t be covered there either. And if you’re thinking of entering any competitions, your insurance won’t cover those activities.
What If Your Ski Equipment Goes Missing?
Few things are more frustrating than losing your gear at the start of a ski trip. You’ve travelled all that way, the conditions look perfect, and suddenly you’re without skis.
Here’s the good news: with the winter sports upgrade on your travel insurance, your ski equipment is covered, whether you own it or you’ve hired it, if it gets lost, damaged, or even stolen during your Christmas trip.
If your gear does go missing, you’re covered to hire replacements up to the policy limits. You won’t be stuck watching everyone else enjoy the slopes from a café while the rest of your family or friends are out skiing.
Does Travel Insurance Cover Resort Closures Due to Bad Weather?
What happens if the weather makes it impossible to ski, you might ask.
It happens more often than you might expect, particularly early in the season or during severe weather at Christmas. If the lift system at your pre-booked resort shuts down for more than 24 hours due to weather conditions, Freedom will pay a set cash benefit – provided there’s no alternative skiing available nearby.
The reassuring part? This ski resort closure protection covers the main Northern Hemisphere ski season, which includes your Christmas and New Year ski holidays!
Ready for Your Christmas Ski Trip?
Nobody books a Christmas ski holiday expecting things to go wrong. But we know from experience that sometimes luggage goes astray, the weather doesn’t cooperate, or accidents happen on the slopes. That’s why we’ve designed Freedom’s winter sports coverage to provide you with straightforward protection without the complicated insurance language. When you’ve added the winter sports upgrade to your policy, you can head to the mountains knowing you’re covered for the things that actually matter. So book that Christmas ski trip with confidence. Pack sensibly, and focus on enjoying quality time away. And if you have any questions about your cover before you travel, our team is always available to help. Just give us a call!
Thanks for reading,
Rosie at Freedom ✈️
