Please Note: The information below provides a brief overview of an area of cover within our policies. All our policy benefits are subject to terms, conditions and exclusions. Please refer to the policy wording for full details which can be downloaded under 'Key Information' below.

Please note: The following sections only apply if you have paid the required premium for winter sports cover and this is shown on your policy schedule.

Definitions relating to winter sports cover:
Winter sports: Big Foot Skiing, Cat Skiing (With a guide), Cross Country Skiing, Husky Dog Sledding, Kick Sledging, Langlauf, Mono Skiing, Off-piste Skiing / Snowboarding (Except in areas considered to be unasfe by local resort management), Passenger Sledge, Ski Blading, Ski Boarding, Ski Dooing, Skiing, Skiing - Cat (With a guide), Skiing - Mono, Skiing - Nordic, Snow Mobiling / Ski Doos, Snow Parascending, Snow Shoe Walking, Snowboarding, Snowcat Driving, Telemarking.

Winter sports equipment: Skis and snowboards and their bindings, ski poles, ski or snowboard boots, ski helmets, ice skates.

Section N1 - Winter sports equipment
We will pay up to the amount shown in the table of benefits for winter sports equipment owned or hired by you which is lost, stolen or damaged during your trip. Please note:

Section N2 - Winter sports equipment hire
We will pay up to the amount shown in the table of benefits for the cost of hiring winter sports equipment if winter sports equipment owned by you is: Please note: You must keep all receipts for the winter sports equipment that you hire.

Section N3 - Lift pass
We will pay up to the amount shown in the table of benefits for the loss or theft of your lift pass. Claims would be calculated according to the expiry date of the lift pass - depending upon how many days there were left to run on the original lift pass, an unused proportionate refund would be made of its original value.

Please see the policy wording for further information on exclusions to this cover.

Section O - Ski pack
We will pay up to the amount shown in the table of benefits for the unused proportion of your ski pack which you have already paid for and cannot get back if you become ill or are injured during your trip and cannot take part in the winter sports activities as planned. A ski pack includes ski school fees or ski tuition fees, your lift pass and winter sports equipment that you have hired.

Please note: Your claim will be based on the number of complete days you have not used. You must get written confirmation of the nature of your illness or injury from the treating doctor in the resort along with confirmation of how many days you were unable to ski.

Please refer to the General exclusions shown on page 13 of this policy wording for details of what is not covered.

Section P - Piste closure
Please note: This section only applies between 1 December and 15 April for travel to the Northern hemisphere or between 1 May and 30 September for travel to the Southern hemisphere.

We will pay up to the amount shown in the table of benefits if, as a result of not enough snow, too much snow or high winds in your booked holiday resort, all lift systems are closed for more than 12 hours. We will pay for either: Please note: You must get written confirmation from the management of the resort stating the reason for the closure and how long the closure lasted. Please refer to the General exclusions shown on page 13 of the policy wording for details of what is not covered.

Section Q - Avalanche cover
We will pay up to the amount shown in the table of benefits for the reasonable extra costs of travel and accommodation if you are prevented from arriving at or leaving your booked ski resort for more than 12 hours from the scheduled arrival or departure time because of an avalanche or landslide.

Please note: You must get written confirmation from the appropriate authority, for example, your tour representative, the ski resort management, stating the reason for the delay and how long the delay lasted.

Please refer to the General exclusions shown on page 13 of this policy wording for details of what is not covered.

Section R - Physiotherapy in the United Kingdom
Please note: No cover is provided under this section if you have puchased a Silver policy.

We will pay up to the amount shown in the table of benefits for fees you have to pay to a physiotherapist for continuation of treatment on your return home if you sustain an injury during your trip whilst taking part in winter sports activities.

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