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Insuring skis and winter sports equipment
07.11.2025 | Simon GantnerSnow attracts winter sports fans to the slopes – but are your skis, snowboard and sledge adequately insured? Whether equipment is stolen from in front of a mountain hut or damaged: the right insurance protects against expensive surprises.
Insuring skis and winter sports equipment
Theft of own equipment
Skis, snowboard, poles or helmet stolen? Your household insurance will cover the replacement if you have included a supplement for "simple theft away from home". This supplement to your contents insurance also applies to other household items – for example, your smartphone, camera or luggage. The insurance pays the replacement value, i.e. the cost of the item less the deductible. Provided the sum insured on this supplementary insurance is high enough. If you have treated yourself to expensive new snow sports equipment, it is worth taking a look at the sum insured. With the 'simple theft away from home Plus' supplement, the sum insured actually doubles if your stay involves at least one night away from home.The gross negligence waiver included in the “Services – Extended Benefit” supplementary insurance is also helpful.
Ski breakage and other equipment damage
Theft is annoying but so are broken skis or snowboards. This risk can be insured directly with ski equipment cover. However, you can also take out the “Other household contents: all risks” supplementary insurance. This solution insures not only your winter sports equipment but numerous other household items too. This applies in the event of unforeseen and sudden damage due to external influences, but also in the event of loss. Depending on your personal needs, other all-risks supplementary insurance policies can be taken out individually, for example for consumer electronics or bicycles.
Damage to rented equipment or other people
Damage to equipment you have rented is covered by your private liability insurance. This insurance is even more important if you injure another person on the piste. The costs of treatment and lost income if the injured person is unable to work for a time can quickly sky-rocket. That's why private liability insurance with high sums insured of five or ten million is so important. It can secure your existence should the worst happen – as nobody can pay these high costs themselves. It is also worth including additional “gross negligence protection” insurance. This also covers the costs of any damage you cause by gross negligence.
