What we cover
- Equipment
Accidentally losing, or having your owned or hired winter sports equipment damaged or stolen. - Ski pack
Illness or injury whilst on holiday preventing you using your ski pack. A ski pack includes ski-school fees or ski instructor fees, hired skis, ski boots and bindings, snowboards, snowboard boots and bindings, and the cost of any lift pass you have booked. - Ski passes
Losing or having your pass for the ski lift stolen. - Ski hire
Accidentally losing, or having your owned or hired winter sports equipment damaged or stolen. Delays of over 12 hours to your hired winter sports equipment. - Piste closure
If all the lift systems are closed for more than 12 hours as a results of high winds, or not enough or too much snow in your holiday resort. - Avalanche
Delay of more than 12 hours to your outward or return journey because of an avalanche.
- Bobsleighing
- Cat skiing
- Cross country skiing
- Freestyle skiing
- Glacier walking or trekking
- Heli-skiing
- Ice climbing under 100m (fully supervised)
- Ice fishing
- Ice hockey
- Lugeing on snow/ice
- Monoskiing
- Off piste skiing/snowboarding (except in areas considered to be unsafe by resort management)
- Recreational ski or snowboard racing
- Skeletons
- Ski acrobatics
- Ski bob racing
- Ski racing or training (nonprofessional)
- Ski stunting
- Ski touring (with a guide)
- Ski/snowboard fun parks
- Skiing
- Snow mobiling
- Snowboarding and tobogganing
Choose from four levels of cover
Red

Silver

Gold

Black

Red | Silver | Gold | Black | |
---|---|---|---|---|
Lost, stolen or damaged ski equipment (owned) (single item and hired item limits apply) | £200 (£60 excess) | £500 (£60 excess) | £1,000 (£50 excess) | £1,500 (No excess) |
Replacement ski equipment hire (per day) (maximum payable) | £10 (up to £100) | £20 (up to £200) | £50 (up to £500) | £75 (up to £750) |
Ski pack cover for illness or injury (per day) (hired equipment, ski-school fees and lift passes) | £50 (up to £200) | £75 (up to £300) | £75 (up to £450) | £85 (up to £510) |
Piste closure (per day) (maximum payable) | £10 (up to £100) | £20 (up to £200) | £40 (up to £400) | £50 (up to £500) |
Delays due to avalanche (travel & accomodation) | £150 (No excess) | £250 (No excess) | £500 (No excess) | £750 (No excess) |
Arrange your cover
Three ways to arrange your winter cover
Get started
Get instant cover today
Get a quote Link opens in a new windowVirgin Money Travel Insurance is provided by InsureandGo
Call us on
0330 400 1250
We are here from 9am to 5pm Monday to Friday, including Bank Holidays.
Number | Cost |
---|---|
03 numbers | Same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. |
084 numbers | Maximum of 7p per minute, plus your phone company's access charge. |
087 numbers | Maximum of 13p per minute, plus your phone company's access charge. |
0800 numbers | Free from UK landlines and personal mobile phones. |
Need help?
24/7 emergency medical assistance helpline
Our experts are just a phone call away.
Making a claim
If you need to make a claim, here’s everything you need to know.
Live chat
Can’t find the answers you’re looking for? Speak to us on live chat now.
Questions and answers
Visit our most frequently asked questions about travel insurance.
Policy terms and conditions
See exactly what cover your policy provides and how much you can claim for.
Brexit and your travel insurance
View our most frequently asked questions about Brexit.
More reason to choose Virgin Money

Virgin Group discounts
When you join the Virgin Money family, you get extra special deals across the wider Virgin Group. So you can save on everyday essentials, as well as bigger things - like days out, dream holidays and amazing adventures. Terms apply.
Discover our discounts
Award-winning products
We don't like to brag but it's good for you to know that other people have given us a thumbs up too.
Best Travel Insurance (Finder Travel Insurance Customer Satisfaction Awards 2020)


24/7 emergency helpline
With our partners, Mapfre Assistance, we provide medical expertise, support, advice and facilities if you have medical problems abroad.
We’re on hand to help 24 hours a day, 365 days a year if you’re injured in an accident or fall ill. We also offer repatriation to the UK if you need it.
So you can relax knowing our experts are just a phone call away.
Contact our helpline
Virgin Money Stores
A new generation of creative and community-focussed spaces on the high street, designed to broaden people’s horizons and brighten their lives.
Open plan layouts, shoulder-to-shoulder service and relaxed discussion spaces are just a few of the ways that people can manage their money in a modern way. Virgin Money Stores give everybody a space to learn, work and play.
Discover our storesVirgin Money Travel Insurance is promoted by Virgin Money Personal Financial Service Ltd, arranged and administered by Insure & Go Insurance Services Ltd, and underwritten by MAPFRE Asistencia. Virgin Money Personal Financial Service Ltd and Insure & Go Insurance Services Ltd are authorised and regulated by the Financial Conduct Authority.