Annual Travel Insurance

Not automatically, but as you make your way through the booking process you will be given the option to add winter sports to your annual multi trip insurance policy. We cover 26 winter sports (below) in the same quote, including skiing and snowboarding, which will provide a maximum of 17 days cover for those aged between 2 and 65 years old.

No helmet, no insurance

It is important to remember that it is compulsory to wear a helmet while participating in these activities in order to be fully covered by our winter sports travel insurance policies.

Does winter sports cover include skiing off piste?

If you add winter sports cover to your annual travel insurance, you are automatically covered for skiing off piste (skiing outside the boundaries of the prepared piste and marked runs, and beyond the area controlled by the ski patrol) provided you are accompanied by a qualified, resort-approved guide or instructor. If you plan to ski without a guide, you need to select Grade 4 sports cover and pay the additional premium, but please note that you are not covered for any reckless behaviour or for skiing in restricted areas.

Winter Sports covered in the same quote

Essential Travel covers 110 sports as standard on an annual multi trip, at no extra cost. However if you would like to take part in more adventurous activities we provide hazardous activity cover that can be added as you make your way through the booking process.

These activities are graded 1 to 4 depending on the level of risk they pose to you. Grade 1 activities are considered low risk and will be covered on any Essential Travel Insurance policy at no extra charge, but Grades 2, 3 and 4 activities will add an additional charge to your premium. After selecting your level of cover you will be prompted to add any hazardous activities you wish to participate in while on holiday.

Please note: If you are taking a golfing holiday, we advise that you take our Golf Travel Insurance to benefit from specialised equipment and green-fee cover.

No matter where you're travelling there is a high probability you will be taking part in some form of sport or activity. While many insurers cover a handful of activities as standard, an Essential Travel insurance policy, will cover you for over 100 sports at no extra cost, providing that you are taking part in a non-professional capacity.

For the more adventurous travellers, you will be able to add higher risk sports and activities to your policy as you make your way through the booking process.

All sports and activities are assigned a sports grade that corresponds to the level of risk involved. The more extreme the sport, the higher the grade you will need.

As a guide, below you will find the type of activity you can expect from each sports grade:

• Sports Grade 1 - Activities like cycling, jet-skiing and kayaking don't require extra cover. We cover 110 sports at no extra cost.
• Sports Grade 2 - Activities such as bungee jumping, safari and motorcycling require extra sports cover to be added to your policy.
• Sports Grade 3 - More risky activities such as paragliding and tandem sky diving require extra sports cover to be added to your policy.
• Sports Grade 4 - High risk activities such as canyoning and rock climbing require the highest level of sports cover.

It is very important that you declare a pre-existing medical condition when you take out an insurance policy with us. Failure to declare a medical condition which you later claim on could invalidate your entire policy. If you are unsure if your condition is covered, follow the online medical screening process with our insurance partner - Latitude Travel Insurance - who specialise in medical cover for travellers.

Pre-existing medical conditions are those that existed before an insurance policy was taken out. Any disease or illness for which you have ever received medication, advice or treatment or experienced symptoms for.

With Essential Travel you can add up to as many as 8 people with our Single Trip insurance, just can select the number of people you wish to cover at the start of your quote and they can all be added to the one policy.

Whether you are off on holiday or a business trip, our Business Insurance add-on is the ideal choice. It offers comprehensive cover for a trip in the UK, to Europe or Worldwide and provides additional extras such as protection for cameras, mobiles and laptops.

It is best to buy travel insuranceas soon as you have booked any accommodation and transport to ensure you benefit from immediate cancellation protection. Our cancellation and curtailment policy can cover events such as the death, bodily injury or serious illness to you, a travelling companion and close relatives. For a full breakdown of what is covered, please read our Policy Guide.

No - Unfortunately, the UK does not have an agreement in place with Turkey regarding health care. As a result, an EHIC will not be valid, so it is important to remember to buy a comprehensive travel insurance policy when visiting turkey.
Do ensure you buy or renew your EHIC through an official website such as the NHS website, where the service is free. Some websites will charge.