How many days of skiing does bank account travel insurance cover?

It varies: 31 days a year with Barclays, Lloyds, Halifax and HSBC Premier, 31 days per trip with Nationwide FlexPlus, 21 days in 12 months with Chase Protect, and 17 days a year with Virgin Money Club M.

Am I covered for off-piste skiing on my bank account insurance?

Sometimes. Nationwide, Barclays, HSBC, Monzo and Revolut need a qualified guide with you, NatWest a locally licensed guide and Amex Platinum a qualified instructor. Lloyds, Halifax and Chase Protect cover off-piste only within resort boundaries. Heli-skiing is excluded by most policies.

Does Revolut or Monzo travel insurance cover skiing?

Revolut Metal and Ultra include winter sports (equipment up to £1,500, off-piste with a guide). Monzo Max includes winter sports outside the UK, with equipment and hire up to £750 and piste closure up to £500.

Does Revolut Premium include travel insurance?

No. Revolut's plan comparison shows travel medical, winter sports and baggage insurance only on Metal and Ultra, not on Premium.

Do I need separate ski insurance if I am over 70?

Possibly. HSBC Premier and Monzo Max stop at 70, Halifax at 71, and Amex Platinum doesn't pay medical costs for anyone 70 or over. NatWest needs a paid age extension from 70. The Barclays Travel Pack covers adults under 80 at the start of the trip.

Is winter sports cover included with my bank account or card?

Last checked against each provider's policy documents on 27 October 2026

The short answer

Often, yes. Many UK packaged accounts that include worldwide travel insurance also include winter sports, including Nationwide FlexPlus, the Barclays Travel Pack, Lloyds Platinum, Halifax Ultimate Reward, NatWest and RBS Reward Platinum, HSBC Premier, Virgin Money Club M, Monzo Max, Revolut Metal and Ultra, and Chase Protect.

The catch is the limits. Many policies cap winter sports at a set number of days (31 days a year with Barclays, Lloyds, Halifax and HSBC, 21 days in 12 months with Chase Protect, 17 days a year with Virgin Money Club M), and age limits range from no upper limit (Nationwide) to under 70 (HSBC Premier, Chase Protect).

Off-piste rules differ a lot. Some policies need a qualified guide or instructor with you (Nationwide, Barclays, NatWest, HSBC, Monzo, Revolut, Amex Platinum), others cover off-piste only within resort boundaries. Check your own policy wording before you book, and before you buy a separate ski policy.

Winter sports cover by account and card

Account or card	Who is covered	Winter sports cover
Nationwide FlexPlus (Aviva)	Account holder, partner who lives with you, dependent children under 23. No upper age limit stated.	Included. Up to 31 days per trip (no yearly cap stated), and the 120-day longer trip upgrade can't be used for winter sports trips. Own ski equipment up to £500 per person (£50 excess, reduced for older kit). Hire of replacement equipment up to £300. Lift pass up to £250. Piste closure £30 a day, up to £300. Ski pack refund up to £500. Avalanche delay over 5 hours covered within a £200 disruption limit. Off-piste only with a qualified guide at all times. Heli-skiing, glacier skiing, freestyle and ski mountaineering excluded.
Barclays Travel Pack (Aviva)	Pack holder and partner who lives with you, aged under 80 at the start of the trip. Children under 23 travelling with you.	Included, up to 31 days in any calendar year. Winter sports equipment up to £500. Lift pass up to £250. Piste closure up to £300. Off-piste only with a qualified guide at all times, in areas the resort considers safe. Heli-skiing, glacier skiing, freestyle and ski jumping excluded.
Lloyds Platinum (Allianz)	Account holder under 80, partner (cover ends at 80), children 18 or under (24 or under in full-time education).	Included, up to 31 days per person in any calendar year. Own equipment up to £500 (single item £300), hired equipment up to £400, £75 excess. Ski hire £30 a day, up to £300. Lift pass up to £350. Piste closure £30 a day, up to £300. Off-piste covered only within resort boundaries and following local ski patrol guidelines. Heli-skiing, ski jumping and ski acrobatics excluded. From 1 December 2026: ski touring needs a locally licensed guide, and new physiotherapy cover up to £600 after a winter sports injury.
Halifax Ultimate Reward (Allianz)	Account holder (cover ends at 71), partner until 71, children 18 or under (24 or under in full-time education) travelling with you or a responsible adult.	Included for certain winter sports, up to 31 days in any calendar year. Own equipment up to £500, hired up to £400 (£300 for any one item, £75 excess). Replacement hire up to £300 (£30 a day). Ski or lift pass up to £350. Piste closure up to £300 (£30 a day). Off-piste only within resort boundaries following ski patrol guidelines, and winter sports claims linked to off-piste skiing need a qualified ski instructor with you. Heli-skiing, ski jumping and ski acrobatics not covered. From 1 December 2026: ski touring needs a locally licensed guide, and new physiotherapy cover up to £600.
NatWest Reward Platinum (Allianz)	You, your partner and dependent children under 18 (under 23 in full-time education). Aged 70 or over: you need the annual age extension upgrade (£100 per person).	Included, winter sports trips up to 31 days. Own or hired equipment up to £400 (£75 excess, nothing for kit over five years old). Replacement hire up to £200. Ski pack up to £150 a week if injury or illness stops you skiing. Piste closure £10 a day towards reaching another resort, or £30 a day if there is nowhere else to ski. Avalanche delay up to £200. Off-piste only with a locally licensed guide. Heli-skiing and off-piste glacier skiing need the paid additional sports upgrade.
RBS Reward Platinum (Allianz)	You and your family. Exclusions may apply for people aged 70 or over.	Winter sports included.
HSBC Premier (Aviva)	Account holder and partner under 70 when the trip starts. Children and grandchildren under 23 (Premier children are covered only in limited circumstances). You apply for the cover separately.	Included, up to 31 days per calendar year. Own equipment up to £500 (£50 excess, reduced for older kit), and hired equipment not covered. Replacement hire up to £250. Lift pass up to £250. Piste closure £30 a day, up to £300. Ski pack refund up to £500. Off-piste only with a qualified guide at all times. Heli-skiing, glacier skiing, freestyle and ski mountaineering excluded.
Virgin Money Club M (Zurich, arranged by Cover-More)	Account holder, partner at the same address and up to four dependent children under 18. All adults must be under 75.	Included, up to 17 days a year in total. Some of the cover only applies from 1 December to 15 April (Northern Hemisphere) or 1 May to 30 September (Southern Hemisphere). Equipment up to £500. Equipment hire £30 a day, up to £300. Ski pass up to £250. Piste closure £30 a day, up to £300. Avalanche up to £250. Off-piste covered except where the resort says it is unsafe.
Monzo Max (Zurich)	You, plus named family with the family add-on. You or your partner must be 70 or under.	Included, outside the UK only. Ski equipment and ski hire up to £750. Ski pack up to £500. Piste closure up to £500. Avalanche or landslide closure up to £500. £50 excess. Off-piste only with a guide. Equipment over 5 years old or left unattended not covered. Trips under 45 days.
Revolut Metal and Ultra (Chubb)	Account holder, partner and children under 18 (under 23 in full-time education). Everyone must be under 76 at the start of each trip.	Included. Metal: first 30 days of a trip. Ultra: first 90 days of a trip. Sports equipment up to £1,500, rental replacement up to £300. Piste closure up to £200 if 75% or more of trails close. Off-piste only with a qualified guide.
American Express Platinum Card	Cardmembers, supplementary cardmembers and their families (partner at the same address, children and grandchildren under 25). Medical cover only if you are under 70 for the whole trip.	Covered only for activities on Amex's Winter Sports Activities list: on-piste skiing and snowboarding, off-piste skiing and snowboarding with a qualified instructor only, cross-country skiing on recognised paths, glacier skiing, ski touring, monoskiing, snowblading, snowshoeing, skidoo, tobogganing and ice skating on recognised rinks. No separate ski equipment, lift pass or piste closure cover. Trips up to 90 days.
Chase Protect (Collinson, £12.50 a month add-on)	You (aged 18 to 69 to take it out), your partner and up to four children.	Winter sports listed as covered (check your policy certificate), up to 21 days in every 12 months. Ski equipment £500, ski pack £200, ski hire £30 a day up to £300, piste closure £30 a day up to £300, avalanche £200 (£50 excess on some sections). Off-piste only within resort boundaries.

Where people get caught out

Day caps. Many policies limit winter sports to 31 days a year in total, not per trip (Barclays, Lloyds, Halifax, HSBC). Chase Protect allows 21 days in 12 months and Virgin Money Club M 17 days a year. Two week-long trips plus a long weekend can use up a short allowance.
Off-piste and guides. Nationwide, Barclays, HSBC, Monzo and Revolut cover off-piste only with a qualified guide, NatWest only with a locally licensed guide, and Amex Platinum only with a qualified instructor. Lloyds, Halifax and Chase cover it only within resort boundaries, and Halifax also wants a qualified ski instructor with you for winter sports claims. Heli-skiing, ski jumping and similar activities are excluded by most policies.
Age limits. Cover can stop at 70 (HSBC Premier, Monzo Max, Amex medical cover), 71 (Halifax), 75 (Virgin Money Club M), 76 (Revolut) or 80 (Barclays Travel Pack, Lloyds). NatWest charges £100 a year per person aged 70 or over for an age extension.
Equipment. Own ski equipment is usually capped at about £500, payouts often fall with the age of the kit, and some policies don't cover hired skis or boots at all (HSBC Premier). Kit left unattended or out of sight is a common reason for refusal.
Piste closure and avalanche. Usually a small daily amount (often £30 a day, up to £300) and only if all or most pistes at your booked resort close. Some policies only pay in set season dates. Avalanche delay cover usually needs a minimum delay (5, 12 or 24 hours).
Upgrades. The Nationwide longer trip upgrade doesn't extend winter sports cover beyond 31 days, and other packs limit winter sports days whatever trip upgrade you buy. Older travellers or those with medical conditions may need to pay for an upgrade or declare conditions first.
Card cover isn't the same as account cover. Amex Platinum only covers activities on its list, has no separate ski equipment, lift pass or piste closure cover, and its medical cover stops for anyone aged 70 or over.
Not every plan includes it. Revolut Premium doesn't include travel or winter sports insurance: only Metal and Ultra do. Monzo Max winter sports cover only applies outside the UK.

Could you be paying twice?

If your account or card already includes winter sports, check whether you also pay for any of these.

Ski insurance sold with a holiday package or by a tour operator, often added at checkout.
A standalone single-trip or annual policy with a winter sports add-on.

Compare before cancelling anything: a standalone policy may have higher equipment, piste closure or off-piste cover than your account.

Related guides

Common questions

Does my packaged bank account cover skiing?: Many do, including Nationwide FlexPlus, Barclays Travel Pack, Lloyds Platinum, Halifax Ultimate Reward, NatWest and RBS Reward Platinum, HSBC Premier, Virgin Money Club M and Monzo Max. Check the day limit and age limit in your own policy.
How many days of skiing does bank account travel insurance cover?: It varies: 31 days a year with Barclays, Lloyds, Halifax and HSBC Premier, 31 days per trip with Nationwide FlexPlus, 21 days in 12 months with Chase Protect, and 17 days a year with Virgin Money Club M.
Am I covered for off-piste skiing on my bank account insurance?: Sometimes. Nationwide, Barclays, HSBC, Monzo and Revolut need a qualified guide with you, NatWest a locally licensed guide and Amex Platinum a qualified instructor. Lloyds, Halifax and Chase Protect cover off-piste only within resort boundaries. Heli-skiing is excluded by most policies.
Does Revolut or Monzo travel insurance cover skiing?: Revolut Metal and Ultra include winter sports (equipment up to £1,500, off-piste with a guide). Monzo Max includes winter sports outside the UK, with equipment and hire up to £750 and piste closure up to £500.
Does Revolut Premium include travel insurance?: No. Revolut's plan comparison shows travel medical, winter sports and baggage insurance only on Metal and Ultra, not on Premium.
Do I need separate ski insurance if I am over 70?: Possibly. HSBC Premier and Monzo Max stop at 70, Halifax at 71, and Amex Platinum doesn't pay medical costs for anyone 70 or over. NatWest needs a paid age extension from 70. The Barclays Travel Pack covers adults under 80 at the start of the trip.