Ski Racing Insurance
Specialist race and training cover for competing skiers
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Ski race and training cover
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Cover for race entry fees
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Emergency medical treatment
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What does ski racing insurance cover?
Our ski racing travel insurance is designed to cover athletes travelling overseas for training camps, FIS or club races, and other forms of amateur ski racing.
It combines specialist cover for ski racing and training with essential travel protection in one policy.
Sport-specific benefits can include emergency medical treatment and repatriation, ski equipment, race entry fees, and search and rescue costs.
Your wider trip can also be protected against cancellation, travel disruption and missed departure, helping cover the unexpected before you reach the start gate.
Other benefits can include personal accident, personal liability, delayed baggage and more.
Add our ski racing bolt‑on if you already have travel insurance but it doesn’t extend to this activity.
Our policies provide three different types of cover: Sports travel insurance, Sports accident, and Activity Top-Up. Please ensure you select the most suitable cover for your activity, when you get a quote and always review your policy documents.
Sports equipment is excluded under our bolt‑on cover.
Only a summary of the policy’s coverage is presented on this page. Please refer to policy documents for full details of what is and what is not covered, when you get a quote.
How much does ski racing insurance cost?
Ski racing can involve higher-risk activity, specialist equipment and the potential need for mountain rescue or emergency medical treatment abroad, so having suitable cover in place is important.
The cost of ski racing insurance will depend on factors such as your age, destination, trip length and chosen level of cover. Your premium can also vary depending on the value of your ski equipment and the amount of cancellation protection you select.
See our ski racing example to get an idea of how your tailored quote could compare.
Pricing example
£58.54** (2 days)
Example quote is based on:
- Sport Selected Ski Racing
- Sports Group Group 7
- Package Bronze
- Policy Single Trip Travel Policy
- Duration 2 days
- Destination Europe
- Emergency Medical Treatment £10,000,000
- Trip Cancellation £1,000
- Sports Equipment Cover £200
- Search and rescue £15,000
- See more benefits when you get a quote
**This example is based on a real quote from our website on 26/08/2026 for a 2-day, single trip, adult policy. It is shown for illustrative purposes only. If your circumstances or requirements differ, your quote may be higher or lower. The quote you receive will be based on the information you provide about your activities. Get a quote for pricing tailored to your requirements.
Why you need ski racing insurance
Race injuries can be costly
Crashes during training or competition can lead to costly overseas medical bills.
Specialist ski race equipment replacements
Cover can protect racing skis and other essential kit if they are stolen or damaged
Mountain weather can disrupt race plans
Poor conditions can lead to travel delays, missed departures.
Our experts explain why…
“Ski racing brings additional risks compared with a typical skiing holiday, particularly when you’re training at speed or taking part in organised races. That makes it important to check your travel insurance specifically covers ski racing.
Even with good preparation and precautions injuries, changing mountain conditions and unexpected travel disruption can affect training or race plans.
Our ski racing travel insurance can help cover emergency medical treatment and repatriation, race entry fees, ski equipment, cancellation, travel disruption, search and rescue costs and other unexpected expenses.
We’ve supported skiers and active travellers for more than 30 years, so you can focus on your training and race day knowing experienced help is there when you need it.”
Chris Trotman – Head of Sales & Underwriting at SportsCover Direct
Thousands rate how easy it is
We’ve refined our process to make buying sports insurance abroad simple but thorough, with cover designed around the activities you take part in, from training trips and competitions to active holidays overseas.
Our Claims Record
Average pay out for each insurance claim
£1,599.09
How to make a claim
Choose your policy, find the forms you need
Download and complete forms
Submit your claims for review
A Recent Claim Example
“One of our policyholders became unwell while in South Africa to play Cricket. They sought medical treatment and were treated for suspected appendicitis, with symptoms of stomach cramps, high fever and nausea. Because they secured our Sports Travel Insurance, they were covered to seek medical treatment.”
Total Paid Out
£5,971.47
Claim Type
Medical Assistance
Policy Type
Sports Travel Insurance
Incident
Medical assistance
Policy Excess Applied
£90.00
Location
South Africa
Disclaimer
Data relates to all SportsCover Direct Insurance claims from Jan to Dec 2025 inclusive. Claim example from 2025.
Medical cover explained
We provide cover that considers your medical circumstances. Complete a medical declaration to ensure you’re properly protected, as part of the quotation process.*
*Please note, just because you’ve declared a medical condition or injury doesn’t mean it is automatically covered. The insurer needs to assess it first and will inform you by email if any terms apply.
Medical conditions must be declared
All pre-existing conditions considered
Cover available up to age 74
We'll review your details
Most declarations don't mean exclusion
Any terms will be confirmed by email
Why choose us
SportsCover Direct is a specialist insurance provider focused entirely on sport. For over 30 years, we’ve helped athletes, teams and organisations get the protection they need, whether they’re travelling, competing, or training abroad or in the UK.
Covering 500+ sports
Fast online quotes
Established over 30 years
UK-based support team
Browse covered sports and activities
You’ll find a wide range of winter sports activities covered, you can add multiple activities to your policy, we cover over 500. Browse our extensive list.
- Cross Country Skiing Insurance
- Curling Insurance
- Dog Sledding Insurance
- Glacier Walking Insurance
- Heli Skiing Insurance
- Ice Hockey Insurance
- Ice Skating Insurance
- Lapland Travel Insurance
- Off Piste Skiing Insurance
- Ski Insurance
- Ski Racing Insurance
- Ski Touring Insurance
- Snow Shoeing Insurance
- Snowboarding Insurance
- Snowmobiling Insurance
- Winter Sports Insurance
FAQs
Yes, you can be covered to take part in races on artificial or natural snow.
Yes, specialist sports equipment including race skis are covered under our off-piste ski insurance for loss or damage and also to equipment you have hired.
Yes, we can provide cover for incidents whereby you can no longer take part in the race.
Yes, our Ski Racing Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.
Yes, under our ski racing travel insurance we can cover for both ski racing and race training.
Personal Liability can protect you under our ski racing insurance, it provides cover for injury to third parties and/or for damage to their property depending on the policy level you select.
Our policies will cover anyone up to the age of 74 at the time of purchase. An applicant aged 75 or over cannot be covered.
In the event of sustaining an injury, our ski racing insurance will provide cover for the proportionate loss of non-refundable, pre-paid costs of passes and/or permits, registration / entry fees, and/or tuition and/or equipment hire associated with the selected activity.
We can provide ski racing insurance cover for competitions at grassroots level all the way up to regional, national, and international levels. However, we are unable to cover athletes competing as a professional ski racer.
We define a professional as a person who derives more than £5,000 income per calendar year from participating in their sport/activity, anyone under contract, scholarship or where their full-time occupation is their sport/activity.
Emergency medical expenses and repatriation cover up to £10,000,000 is a benefit included under our ski racing insurance.
Our Sports Travel Insurance policy provides up to £5,600 worth of equipment cover as an optional add-on. This not only protects your equipment but also any gear you hire during your trip. It also covers your ski equipment in transit to and from your destination.
Get specialist cover in minutes
Covering over 500 sports with quick online quotes and UK- based support, if you need it.
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