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Winter sports life insurance

Winter sports are extremely exciting, but some can be classed as high-risk hobbies with a higher chance of accident and injury. Winter sports life insurance could be essential to making sure you and your family are well protected.

Not only do we specialise in helping people who take part in winter sports to get life cover, but as a team we are also hugely passionate about winter sports.

Protecting your family is one of the most important parts of being a parent and that’s why life insurance is so valuable. If you also take part in sports or activities that can be dangerous, then cover is even more important.

In this section (winter sports life insurance):

Five Stars

Rated "Excellent" 5 out of 5

"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."

by Elizabeth Turner-Long - 9th August 2023

How are we winter sports experts?

Our senior team are all extremely keen and passionate winter sports enthusiasts, with a long and deep history in these types of sports.

We know more about the dangers of winter sports than most from many years of taking part in skiing, snowboarding, and winter mountaineering. This means we understand the importance of protecting your loved ones with winter sports life insurance even more than many companies would.

 Some of our experiences include:

  • Ski racing
  • Extreme skiing/snowboarding
  • Off-piste skiing/snowboarding
  • Ski touring
  • Ski seasons

Being in the mountains can be one of the most spiritual and rewarding experiences for us, and for our families.

How popular are winter sports in the UK?

It is well-known that there is very limited opportunity for us Brits to ski in the UK, apart from artificial slopes, indoor, and Scotland skiing.

Winter sports is still one of the most popular sports and pastimes, with both men and women and especially among certain groups and demographics. This includes activities like skiing as well as snowboarding, ice skating and ice climbing plus more.

Here are some of the statistics for skiing amongst people in the UK in 2021:

  • There are just over 40,000 searches including the word “skiing” every month
  • Tamworth Snowdome is the most popular skiing venue (23,700 searches per month)
  • Over half a million searches for “ski holiday” every year in the UK
  • France is the most popular destination for British winter sports holidaymakers

The most popular winter sports UK

Winter sports are extremely popular, with some talented people in the UK even competing in these professionally. The Winter Olympic Games has become more and more popular in recent years, with winter olympic sports such as ski jumping, speed skating and alpine skiing captivating the UK.

Some popular options for winter sports and activities in the UK include*:

  • Skiing
  • Snowboarding
  • Ice skating/figure skating
  • Tobogganing
  • Curling
  • Ice hockey
  • Ice climbing
  • Snow tubing
  • Snow walking

Can I get life insurance if I take part in winter sports?

YES – you should definitely be able to get life cover if you take part in most types and levels of winter sports.

It’s important to get the right cover to protect your family and make sure that you disclose any information that you are asked to. Anyone that takes part in lower risk activities such as recreational skiing or snowboarding won’t have any issues at all.

There are some other potential higher risk activities that you may be asked for more information about, such as:

  • Winter mountaineering (ice climbing)
  • Off-piste skiing or snowboarding
  • Ski touring
  • Heli-skiing or snowboarding

These should all still be easily coverable through the right insurers. You can save money by speaking to an expert before applying for your life insurance policy.

Speak to our experts or check out our dedicated page to find out more about LIFE INSURANCE.

Why do I need winter sports life insurance?

Life insurance is designed to give you peace of mind that your family is protected if anything should happen to us.

There are many reasons why you might want to consider taking out life insurance, especially if you take part in dangerous sports. Winter sports are not necessarily classed as a dangerous sport for life insurance, but it does have their risks.

You might be a recreational holiday skier with relatively low risks, or you could be like us, and enjoy letting rip in the backcountry. Whichever applies to you, it’s always advisable to consider appropriate cover and especially if you’ve got kids.

Types of winter sports we cover:

How much is winter sports life insurance?

The cost of your monthly premiums should be no different for people who take part in most winter sports. Your premiums for life insurance are based on several normal elements, such as:

Once you’ve established what cover you need to protect your family and what is affordable, you can then start to figure out which insurers are cheapest.

Here are just a few examples of our BEST life insurance rates for winter sports:

Age of individualPremium
25£5.71
30£7.23
40£13.92
50£32.67

Note: examples above are based on £200,000 of level term life cover for a non-smoker over a 25-year term with no medical conditions.

Compare the best winter sports life insurance policies

Comparison is always the best way to ensure you are choosing the right life insurance policy at the right price. This applies to winter sports life insurance as much as with any other policy.

There are lots of different insurance providers and most will provide cover for the majority of people who take part in winter sports.

Some of the TOP insurance companies that we use for winter sports life insurance are:

  • Vitality
  • Legal & General
  • Aviva
  • AIG
  • Zurich

Each insurer will offer different terms and prices for life insurance so it’s our job to find the BEST and CHEAPEST for you.

You may even consider other winter sports insurance policies to protect yourself such as winter sports travel insurance, critical illness cover or income protection. All of these can offer great benefits and our advisors can advise you on the most suitable policies for you.

Does life insurance pay out for winter sports?

YES – if you die whilst taking part in a winter sports activity then your life insurance should pay out a cash lump sum to your family.

There are many different types of activities with a variety of risks and all depending on how serious you are about them. You should be covered for taking part in most of the different types of winter sports as long as you disclose details on your application.

Some winter sports can require additional questions and underwriting for life insurance depending on what your activity is.

Some of the most common reasons for taking out life insurance to protect your family are:

  • Pay off your mortgage (protect your home)
  • Clear debts
  • Provide for your family
  • Future rent payments
  • Cost of living
  • School fees
  • Funeral costs

You can take out life insurance for as long as you want and for whatever amount that you need to protect your family.

Does critical illness cover pay out for winter sports?

There are a number of reasons why you might be able to claim on your critical illness policy because of participating in winter sports.

Some of the most common reasons for a claim on critical illness cover include:

There are several common risks relating to winter sports where you may find that your critical illness cover will be invaluable.

It’s important to be prepared for the future to make sure that you’re covered for those things you can’t always control. Critical illness cover is specifically designed to do that exact thing and make sure that your family doesn’t suffer financially.

Consult our experts or check out out our CRITICAL ILLNESS COVER page to learn more.

Life insurance FAQs

How much cover do I need?There are several things to consider when looking at how much life insurance you will need such as:

Mortgage amount/Rent
Outstanding debts
Dependants (Ages)
Income Expenditure

The amount of cover you want can also be affected by your budget. Our specialists can find a range of policies with different prices and levels of cover to suit your individual needs.  
How long should I take out cover for?Amazingly, you can now be covered up until age 90 for life insurance (this will vary for critical illness cover and income protection). Some many factors to consider when deciding your policy term include:

Estimated retirement age
Age of dependants
– Amount of savings
– Other investments


Our winter sports life insurance specialists will discuss which options are available and will help you find the most suitable cover term based on your circumstances and priorities.  

Expert advice for winter sports life insurance

We’re extremely proud to be rated the UK’s #1 life insurance expert for people who take part in dangerous activities. Our team of passionate experts provides thousands of customers FREE and FRIENDLY advice.

We also make sure that you’ve got the BEST chance to get the CHEAPEST premiums from our wide and varied panel of TOP insurers.

Getting the best winter sports life insurance to protect your family at the right price is our top priority.

Useful resources

Snowsport England – About Snowsport England

Team GB – Winter

Paralympics GB – Winter Games

British Mountaineering Council – All Events

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