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Winter sports cover

Winter sports cover

Extra protection for hitting the slopes

Underwritten by Great Lakes Insurance UK Limited

We’re here if it all goes downhill

Whether you’re an avid snowboarder or planning your first ski trip to the Alps, make sure you’re protected with our winter sports cover add-on.

We can help cover the costs of medical emergencies, piste closure and lost or damaged snow sports equipment. With Sainsbury’s Bank, you’ll have peace of mind that you could be covered if your alpine adventure takes a wrong turn down a slippery slope.

How does winter sports insurance cover work?

With Sainsbury’s Bank, you can add it on to your travel insurance policy to cover most winter sports activities.

So, whether you’re zooming down the slopes or enjoying après ski, your winter travel insurance will include cover for:

  • Medical emergencies

  • Cancellation or having to cut your trip short

  • Lost, damaged or stolen baggage

Our winter sports cover also has a range of benefits to protect you and your equipment. This includes cover for:

  • Lost, stolen or damaged snow sports equipment

  • Hiring replacement equipment if yours is lost, damaged or delayed

  • Your unused equipment hire or tuition fees if you’re sick or have an accident

  • Your ski pass if it’s lost or stolen

  • Extra transport or accommodation in the event of an avalanche or landslide at your resort

  • Physiotherapy treatment when you return to the UK if you’ve had an accident

  • Compensation if the slopes in your resort are closed due to weather conditions

Winter sports cover policy limits

With Sainsbury’s Bank Travel Insurance, you can choose from three levels of cover – Silver, Gold and Platinum.

If your claim is successful, we’ll pay you up to the amount shown below.

Terms, conditions, excesses and limitations apply. You can find out more about the terms of our cover in our policy booklet.

Cover Silver
(maximum sum insured)
(maximum sum insured)
(maximum sum insured)
Lost, stolen or damaged winter sports equipment £500 £750 £1,000
Replacement hire of lost, stolen or damaged equipment £300 £350 £400
Equipment hire if yours is delayed £20 per day up to £300 £30 per day up to £300 £50 per day up to £300
Unused ski pack, ski hire or tuition fees £20 per day up to £400 £30 per day up to £400 £50 per day up to £400
Piste closure £30 per day up to £400 £30 per day up to £400 £50 per day up to £400
Avalanche and landslide closure £15 per day up to £250 £20 per day up to £400 £25 per day up to £500
Physiotherapy in the UK £150 £350 £500



Some exclusions

While we’ll do what we can to give you complete protection, it’s important to remember that no insurance policy covers everything.

For example , even with the winter sports add-on, our insurance does not cover:

  • Anyone older than 66 years of age
  • Any claim as a result of off-piste skiing where you’re not accompanied by a qualified instructor with appropriate liability insurance
  • Any claim as a result of taking part in winter sports activities during avalanche warnings
  • Damage to winter sports equipment caused by normal wear and tear, gradual deterioration, or mechanical or electrical breakdown
  • Loss or theft of winter sports equipment or ski passes left unattended in a public place
  • Loss or theft of winter sports equipment or ski passes that was not reported to the police as soon as possible

What winter sports are covered?

Need off-piste ski insurance or snowboarding insurance? You’ve come to the right place. We can protect when you’re taking part in the following winter sports:

  • On-piste skiing or snowboarding
  • Off-piste skiing or snowboarding where you’re accompanied by an insured instructor
  • Cross-country skiing on recognised routes and with a guide
  • Ski racing arranged by ski schools for pupils
  • Sledging

Are any snow sports not covered?

There are some riskier winter activities that we don’t cover. These include:

  • Bobsleighing
  • Heli-skiing
  • Ice hockey
  • Luging
  • Ski acrobatics
  • Ski jumping
  • Skeleton sledding

Don’t see your planned winter sports activity listed? Not to worry. Give our customer helpline a call on 0345 305 2622^ to see if it’s covered by your policy.

Planning more than one trip?

If you’re a regular on the slopes, you may be better off taking out our Annual Multi-trip travel insurance.

You’ll be covered up to a maximum of 24 days a year for winter sports and could save time and money, rather than buying a policy for each trip.

Get a travel insurance quote

Ready to get your ski holiday insurance? With our optional winter sports cover, you can focus on enjoying your adrenaline-fuelled adventure.

And with up to 20% off for Nectar members, you’ll get peace of mind and protection for less. Exclusions apply*


Helpful travel guides

Whether you’re going on a family ski trip with the kids or an epic solo snowboarding adventure, check out our useful travel guides.

 Dealing with disruption

Dealing with disruption

What to do if your flight to the slopes is delayed or cancelled.

Flying with children

Flying with children

Tips to make travelling with babies and toddlers stress-free.

Keeping your money safe

Keeping your money safe

Get advice on how to look after money, cards and valuables abroad.

Any questions?  

Check out our most frequently asked questions about travel insurance. If you still need to talk to us, our friendly team will be happy to help. 

Call 0345 305 2621^ 

^Sales and service lines are open 9am-5pm Monday to Friday. Closed weekend and Bank Holidays. Calls may be monitored or recorded. Calls are charged at local rates from landlines and mobiles.

Helpful phone numbers

Terms and conditions

*Up to 20% discount applies when you tell us your Nectar card number. Discount does not apply to premiums for pre-existing medical conditions or enhanced gadget cover. You won't be eligible if you buy through a price comparison website. We reserve the right to change or cancel this offer without notice.

Sainsbury’s Bank Travel Insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting;

Sainsbury’s Bank Travel Insurance is sold and administered by Hood Travel Limited, registered at Companies House 08318836. Hood Travel is authorised and regulated by the Financial Conduct Authority under registration number 597211. Hood Travel Limited’s registered address is at 2nd Floor, Decora Court, Tylers Avenue, Southend-on-Sea, Essex, SS1 2BB.