RAC Travel Insurance for worldwide trips

Add Winter Sports Cover

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Winter Sports Travel Insurance

Whether you have years of experience or are heading to the slopes for the first time, you don't need mishaps like broken equipment or piste closure ruining your fun. Protect your winter holiday and add Winter Sports cover to your RAC Travel Insurance policy.

We cover a range of winter sports including skiing, snowboarding, ice skating, snow shoe and glacier walking, ice fishing and tobogganing, and all cover levels provide benefit for equipment, personal belongings and accommodation.

Unlimited emergency medical cover on our Black cover level

Broken, lost or stolen equipment

Alternative accommodation



Or phone us for a quote on 0330 159 0409

Lines open Monday to Friday, 09:00-17:00, Closed Weekends & Bank Holidays.

COVID-19 update

It is essential that you check the latest Foreign, Commonwealth and Development Office (FCDO) advice for your destination before you travel. Our travel insurance policies do not provide cover for travel to an area where the FCDO advises against all or all but essential travel.

You will need to purchase an Enhanced COVID-19 Add On to cover you for travelling to countries in Europe against FCDO advice (if that advice relates solely to
COVID-19^ )

Stay up to date with the latest travel advice on the FCDO website. Please continue to check our FAQ's regularly.

RAC Member and Car Insurance policyholder discount^

RAC members and RAC Car Insurance policyholders save 10% on Single Trip or Annual Multi-Trip policies with RAC Travel Insurance. Enter or quote your membership or policy number at the time of purchase and we'll automatically apply your discount.

Winter Sports cover levels

Winter Sports cover is an optional extra you can choose to add to your core cover. However, you will only be covered for treatment as a result of taking part in winter sports activities and loss or damage to your equipment if you purchase this add on. The level you get depends on the core cover you have selected. For more information on our core cover, which covers things like emergency medical expenses, personal belongings and cancellations, please see our core cover page.

Orange Cover Silver Cover Black Cover
£500 ski equipment cover £750 ski equipment cover £1,000 ski equipment cover

£400 ski pack cover
(max £20 per day)

 £400 ski pack cover
(max £30 per day)		 £400 ski pack cover
(max £50 per day)
£400 cover for piste closure
(max £30 per day)		 £400 cover for piste closure
(max £30 per day)		 £400 cover for piste closure
(max £50 per day)
£250 for additional costs as a result of avalanche
(max £15 per day)		 £400 additional costs as a result of a landslide or avalanche
(max £20 per day)		 £500 additional costs as a result of a landslide or avalanche
(max £25 per day)
£300 cover for ski hire £350 cover for ski hire £400 cover for ski hire
£150 for physiotherapy in the UK £350 for physiotherapy in the UK £500 for physiotherapy in the UK


If you have a query about your policy, would like to renew or make a claim, find all the contact details here

  

An extensive glossary of all the terms relevant to your RAC Travel Insurance policy

  
We also cover

Travel insurance with Covid-19 cover from RAC, choose from single trip or annual multi trip insurance. Get your holiday insurance quote today to find out how much you could save.

We’ve got three levels of annual cover available with varying benefits, so you’ll be able to find the right cover to suit you

  

We want you to be able to relax on your holiday, so we offer medical Travel Insurance to help you should you need it

  

RAC Travel Insurance will make sure that you have cover for the whole family when you go away

  

Make sure your smartphones and tablets are covered on holiday by adding our optional Enhanced Gadget cover to your policy.

  

Protect yourself from unexpected costs when hiring a car. Daily cover from the equivalent of £3.49††

  

Our comprehensive Car Insurance Plus is packed with features and benefits and has a Defaqto 5 Star Rating.

  

Pay-by-day car insurance from 1 hour-30 days

  

A new kind of car insurance for lower mileage drivers.

  

10% multi car discount for up to three additional cars so you can cover your whole family.

  

RAC Learner Driver Insurance offers flexible, short term cover whilst you gain experience behind the wheel. Buy comprehensive cover online 24/7.

  

Black Box Insurance saves new and young drivers money by rewarding safe driving.

  

Frequently Asked Questions

Q. What type of sports equipment do you cover?

We cover a wide range of winter sports including skiing, snowboarding, ice skating, and snow shoe walking, and you’ll be covered for damage or loss of equipment whether it’s yours or it’s hired – up to a total of £1,000 for your own equipment or a total of £300 for hired equipment, on our Black cover level.

In the event you need to hire replacement equipment, your cover will include that too.

Q. What if the piste is closed or I can't use my ski pass?

If the piste is closed due to too little or too much snow, or due to avalanche, we’ll cover your travel to an alternative site - up to £50 per day on our Black cover level.

If you miss lessons, or cannot use your pass or hired equipment due to injury or illness, we can cover your losses – up to a total of £400 on our Black cover level.

Q. What about accommodation?

If your accommodation is uninhabitable due to avalanche or landslide, we’ll provide cover for you to relocate to similar accommodation. On our Black cover level, this is up to £500.

Q. What if my trip is cancelled or delayed?

We’ll also cover you if your trip is cancelled or curtailed – on our Black cover level this amount is up to £7,500. There is also benefit if your trip is delayed or if you miss your departure.

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^You must have a standalone RAC Breakdown policy or RAC Car Insurance policy and provide your membership or policy number at the time of purchase to qualify for the 10% discount. RAC Travel Insurance must be purchased directly from us and this discount is not available on price comparison websites. The discount will not apply to premiums for pre-existing medical conditions or extended gadget cover. The offer can be withdrawn or amended at any time.

††Based on UK resident buying a single trip policy to cover 10 days car rental in Europe.

RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Financial Services is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 313989. RAC Travel Insurance is administered by Hood Travel Limited 2nd Floor, Dencora Court, Tylers Avenue, Southend on Sea, Essex, SS1 2BB. Registered in England No. 08318836. Hood Travel Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register No.597211. Hood Travel is an insurance intermediary providing a non-advised service. We act for and on behalf of the insurer. RAC 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: https://register.fca.org.uk/.

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