Ski insurance guide · UK
Annual or single-trip ski insurance?
A single-trip policy covers one holiday; an annual multi-trip policy covers every trip in a year, up to a maximum length per trip. Whether winter sports are included, and for how many days, depends on the policy.
For UK residents: these are UK policies, and residency rules are each insurer's. Insurer details from their own pages, checked 10 November 2026.
Single trip
One holiday. You choose the dates; winter sports must be included or added for the days you ski. Usually the simpler choice if this is your only trip abroad this year.
Annual multi-trip
Every trip in a 12-month period, up to a maximum length per trip. Worth pricing if you travel abroad two or more times a year. Winter sports may be included, an add-on, or limited to a number of days.
What each insurer sells
- Explorer: Annual multi-trip winter sports policies, with trip-duration options of 31, 45, 60 or 90 days on its quote page
- Cedar Tree: Sells annual multi-trip policies; winter sports is an add-on to a Cedar Tree policy
- Outbacker: Winter sports add-on pack for backpacker policies; its winter sports page does not mention annual policies.
- Insure & Escape: Sells single-trip and annual multi-trip policies, with winter sports as additional cover
Check before you buy an annual policy
- That winter sports are named on the policy, not only general travel.
- How many winter sports days it covers in the year, and the maximum length of one trip.
- That the start date is right: Explorer says no cover is provided on its annual policy until the policy start date.
- That every traveller on your ski trip is named on the policy.
Compare all four insurers side by side →
Get a quote
UK insurers for UK residents. You buy directly from the insurer.
Explorer Travel Insurance
Winter sports single-trip and annual multi-trip policies
Best for: skiers who want off-piste with a guide and high medical cover.
Get a quote from ExplorerCedar Tree Travel Insurance
Winter sports added to a Cedar Tree travel policy
Best for: the most detailed winter add-on: ski pack, closures and avalanche delay.
Get a quote from Cedar TreeOutbacker Insurance
Winter sports add-on pack for backpacker policies
Best for: backpackers and gap-year travellers adding a ski trip to a longer journey.
Get a quote from OutbackerInsure & Escape
Winter sports cover added to single-trip or annual policies
Best for: families booking ski or snowboard trips.
Get a quote from Insure & EscapeCedar Tree, Insure & Escape and Outbacker are brands of the same group (3 of the 4 insurers here), per their own sites. Limits, excesses and exclusions are in each policy wording; read it before you buy.
Insurers on this page
You buy the policy from the insurer. We may earn a commission at no extra cost to you.
Frequently asked questions
Does an annual policy include winter sports?
Not automatically. Explorer sells annual multi-trip winter sports policies; Cedar Tree and Insure & Escape sell annual policies with winter sports as additional cover. Check the policy names winter sports and how many days it allows.
When is annual cover better?
When you take two or more trips abroad in a year, a ski trip included. Explorer says so on its winter page: if you travel more than twice a year, an annual multi-trip policy could save money.
Book & Ski is not an insurer or broker and does not give financial advice. Quote links are affiliate links. Affiliate disclosure.