Ski Insurance

Inghams has partnered with Fogg Travel to offer great travel insurance cover for UK residents.

Fogg Insurance are experts in arranging travel insurance for residents of the UK and Republic of Ireland, whether you’re intended for a week of lying on the beach, or, of course, bound for a trip to the mountains to get your snow fix!

Before you head out on your skiing holiday with Inghams, we thoroughly suggest that you take a moment to look over our fantastic winter sports insurance deals, and consider buying your insurance with us through our partner, Fogg Insurance.

Fogg Insurance are experts in arranging travel insurance for residents of the UK and Republic of Ireland, whether you’re intended for a week of lying on the beach, or, of course, bound for a trip to the mountains to get your snow fix!

Winter sports travel insurance can be a bit head scratching at the best of times, and if you’re new to skiing and snowboarding and want to know the inside scoop to purchasing the right kind of insurance, then we suggest that you read our guide: Ski Travel Insurance: Explained.


Booking your travel insurance with Fogg is simple and secure- just click the link below and choose the policy you require from the selection shown for an instant quote.


Click here for Fogg Travel Insurance from Inghams


(Please note: Inghams acts only as agent for the provider in respect of all Fogg Insurance services)

Quick jump to...

How to book

How to claim


Summary of cover

What activities are included?

General conditions

Ski Travel Insurance: Explained

How to book

Our Fogg travel insurance policy is only available by clicking on the insurance link on our website HERE:


Click here for Fogg Travel Insurance from Inghams


Premiums are payable directly to Fogg and your insurance contract is with them, not Inghams. Medi-cards and other documentation will be issued by Fogg.

How to claim

Should you have any queries regarding these insurances (including claims) they should be referred to:

Fogg Travel Insurance Services Ltd
Crow Hill Drive
NG19 7AE

Tel: 01623 63 13 31


Inghams FSA Reg reference is: 307304

This can be check at


Note: family of 2 adults purchasing insurance, all children up to the age of 18 living at the same address will receive FREE insurance.


Europe Up to 10 days Up to 17 days
Adult 18-64 years £39.95 £45
Senior 64-84 years £79 £89
Child 3-17 years £29 £35









Canada Up to 10 days Up to 17 days
Adult 18-64 years £79 £89
Senior 65-84 years £159 £179
Child 3-17 years £45 £49









Santa breaks Up to 5 days
Adult 18-64 years £24.95
Senior 65-84 years £49.50
Child 3-17 years* £14.95










Summary of cover

Medical expenses:

Any injury sustained or illness suffered while on holiday will be covered by our insurance policy. Your hospital charges will be covered as will any ambulance charges. Reasonable assistance will be provided to get you back home and additional accommodation expenses will be provided should you have to stay overseas.

Up to £5 million covered with a £75 excess


Loss of own or hired skis/ski pass:

If you have your skis/ rental equipment/ lift pass stolen a replacement will be covered by our insurance up to the value of £500/£250. In the case of any item being stolen, you must report this to the police at the earliest opportunity (no later than 24 hours after discovery of theft). If you have purchased ski carriage for your equipment and its arrival is temporarily delayed, you may also have a claim.

Up to £500/£250 with a £75 excess


Personal accident:

If you are seriously injured or the person that you are travelling with passes away while you are on holiday, you are entitled to claim on your insurance. In the unfortunate situation that you, or a member of your travelling party should unexpectedly die, or suffer the loss of a limb/ loss of sight, or suffer total disablement you are entitled to claim up to £25,000.

Up to £25,000 with no excess


Personal money:

Should the cash that you are carrying with you be lost or stolen while you are on holiday, up to £500 can be covered by your insurance. You must take responsibility and report the stolen money to the police as soon as possible (no later than 24 hours), along with confirmation of purchased foreign currency from your bank or Bureau de Change.

Up to £500 with £75 excess



Our insurance policy covers the loss or damage to your property while on your holiday. Belongings totalling up to £2,000 are covered. For items damaged during transit a report should be completed with the relevant transport provider. And for any items stolen on your holiday, a report should be completed with the local police. Evidence for the cost of repairs/ replacements should be provided to the insurance provider. You are also covered for the temporary delay of items arriving in resort.

Up to £2,000 with £75 excess


Travel delay:

In the unlikely event of industrial action, bad weather or mechanical breakdown affecting the transportation booked as a part of your holiday, compensation will be paid for either delay or cancellation. The amount you can claim will depend on the length of the delay.

Up to £100 with no excess


Missed departure:

This applies to international departures only, but covers both your outward and return journeys. If you miss your flight because you are involved in an accident or the vehicle you are travelling in has a mechanical breakdown on the way to the airport, additional travel expenses up to £800 will be covered for an alternative journey.

Up to £800 with no excess



Should you have to cancel your holiday, depending on the circumstances, a claim may be made against your insurance. Reasons for cancellation that can be claimed against are: injury or illness to you (or your death), injury, illness or death of a friend or relative with whom you were to travel, jury service for you or a travel partner, your house burns down or is flooded.

Up to £5,000 with a £75 excess


Personal liability:

If you end up causing an accident which results in the bodily harm of others, or damage to other’s property, you may legally be responsible to pay for any such damages. In such instances, you may be covered by your insurance policy.

Up to £2 million with a £75 excess


Legal protection:

The expenses for any legal services you may require can be covered by your travel insurance subject to the policy terms.

Up to £50,000 with £75 excess


Piste closure (snow guarantee):

Exclusive to the Inghams/Fogg travel insurance policy, you are covered for any costs up to £30 per day to travel to and from another ski area if there is total closure of the ski facilities and pistes in your area.

Up to £30 per day with no excess


What activities are included?

The following sporting activities are covered during the period of insurance on a recreational, amateur and non-competitive basis:

Big Foot skiing
Blade skating
Cat skiing/snowboarding
Cross country skiing (recognised trails)
Dry slope skiing/ snowboarding/ snowdome
Glacier walking (guided with a licensed operator)
Horse drawn sleigh/ carriage ride
Husky dog sledding booked with a licensed operator, excluding Personal Liability
Husky dog walking (excluding personal liability)
Ice climbing (indoor climbing wall only, adequately supervised, safety equipment used, booked with a licensed operator)
Ice Fishing (booked with a licensed operator)
Ice Hockey with full body protection
Icelandic horse riding (booked with a licensed operator)
Ice skating (official licensed ice rinks indoor or outdoor)
Kick sleding
Land skiing
Langlauf (recognised trails)
Mono skiing
Nordic skiing
Nordic walking
Off-piste skiing/ snowboarding in areas considered safe by resort management or ski school
Passenger sledge
Ski boarding
Sleigh riding (reindeer/ horses/ dogs/ elk, booked with a licensed operator)
Snow biking/ ski biking
Snow blading
Snow/ ski bobbing
Snowcat driving (excluding personal liability)
Snow rafting (booked with a licensed operator on set runs/piste)
Snow scooting
Snow shoe walking
Snow tubing (booked with a licensed operator, on set runs/ piste)
Toboganning/ sleding (on set runs/ piste)


The following winter sports activities ONLY WHEN BOOKED WITH SKI INGHAMS:

Hang gliding (tandem only with instructor, excluding personal liability) provided appropriate additional premium has been paid.
Heli-skiing (provided helicopter lands at a designated site to allow you to disembark)
Ice driving (full driving license, excluding personal liability)
Ice karting (excluding personal liability)
Ice walking (guided canyon ice walk)
Paragliding (tandem only with instructor, excluding personal liability) provided appropriate additional premium has been paid.
Ski school organised end of week event/race
Ski touring (guided only, booked with SKI INGHAMS or licensed operator/organisation only)
Snow mobiles/ skidoos (excluding personal liability)
Snow quad biking (excluding personal liability)
Snow parascending
Winter driving lessons (full driving license, excluding personal liability)


General conditions

Fogg Travel Services Ltd. with TokioMarine Europe Insurance Ltd and Union Reiseversicherung AG are authorised and regulated by the Financial Conduct Authority. We are an Appointed Representative of Fogg enabling us to arrange your insurance.

We regret that due to FCA regulations, our preferred Fogg policy cannot be purchased at the time of booking if you are booking through a travel agent. If you are booking through a travel agent you can either book Fogg insurance as a separate transaction or arrange cover through your travel agent.



The policy covers adults up to and including the age 84 years old.

Our policy is only available to UK and Republic of Ireland residents.



You must inform Fogg Travel of any pre-existing illnesses/ infirmities in the last 12 months relating to all persons on whom the journey or trip plans depend. Insurers reserve the right to either refuse insurance cover or apply restrictions.


Hazardous activities

Normal winter holiday activities are covered by the policy but there will be activities which will be excluded - for example paragliding. Before booking or undertaking any activity which may be regarded by the Insurers as hazardous, we recommend that you contact Fogg Travel or your own travel insurer before you travel for advice for cover.


Conditions, exclusions, warranties

Conditions and exclusions apply to individual sections of your policy, while general conditions, exclusions and warranties will apply to the whole of your policy.


Policy excesses

Under most sections of the policy claims will be subject to an excess. This means you will be responsible for paying the first part of the claim. The amount you have to pay is the excess.


Property claims

These claims are paid based on the value of the goods at the time you lose them and not on a new for old or replacement cost basis, unless otherwise stated in your policy.


Policy limits

Most sections of the policy have limits on the amount the insurer will pay under that section. Some sections also include other specific limits eg: for any one item, or for valuables in total. You are advised to check your policy if you intend taking expensive items with you.


Reasonable care

You need to take all reasonable care to protect yourself and your property.



Your insurance policy has in it a Complaints Procedure which tells you what steps you can take if you wish to make a complaint.

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