Please contact Marsh Sport to report the incident as soon as possible Tel: 0345 872 5060 Email: marshsport@marsh.com.
This cover applies only to activities authorised or recognised by Snowsport Cymru Wales. A full list of Snowsport disciplines recognised by Snowsport Cymru Wales can be found within the FAQ’s.
The policy covers:
As part of your membership with Snowsport Cymru Wales you automatically receive the benefit of the Combined Liability insurance. To understand what this covers and to see the main terms and conditions that apply please make sure you refer to the policy summary and policy wording which can be found in the downloads section below.
The annual policies run from 1st July 2025 – 30th June 2026 (both days inclusive)
The policies' limits are as follows:
Please Note: Cover is operative for all affiliated Snowsport Cymru Wales constituents on the basis you hold a live and valid membership with Snowsport Cymru Wales and that all master insurance programmes have been renewed by Snowsport Cymru Wales.
Public liability insurance provides protection against legal liability for bodily injury to third parties and damage to third party property.
Products liability insurance provides protection against legal liability to pay compensation including legal costs for death or bodily injury, or damage to third party property arising from products supplied.
Cover to protect a Snowsport Cymru Wales affiliated clubs, instructor, coach or leader for claims made against them which allege that a third party has suffered an injury or financial loss caused by negligent acts, errors or omissions during coaching activities.
There aren't any age restrictions on the liability insurance, however we stipulate that participation in all activities must be in accordance with the rules & guidelines of Snowsport Cymru Wales. As such if there are any age restrictions imposed by Snowsport Cymru Wales for certain disciplines, then these must be adhered to.
The 'geographical/territorial' limits on the policy is where you can participate in Snowsport activities which is covered anywhere in Europe. In layman terms, this means that you can train, participate and compete in recognised and approved Snowsport Cymru Wales activity in Europe. The 'jurisdiction' is where an allegation/claim can be made against you or your club. In layman terms, this means the country in which a solicitor can be appointed, to try and sue you, if a third party feels you/ your club are deemed negligent. The territorial/ jurisdictional limit on the policy is United Kingdom.
Please contact Marsh Sport to report the incident as soon as possible Tel: 0345 872 5060 Email: marshsport@marsh.com.
Yes, there is a £350 Excess against any bodily injury/property claim.
Please note the insurance via Snowsport Cymru Wales does not cover Ski Mountaineering and Tubing.
Yes, the Sportscover Liability policy will defend claims made against you for negligence. Please note any claims relating to deliberate or criminal acts are excluded.
No, the cover is only in place for those activities recognised by Snowsport Cymru Wales.
Activities involving non-members are not covered unless part of a taster session of a recognised Activity or Discipline. Non-members can participate in up to three 'Taster' sessions.
The Liability Policy protects the club and its registered members for allegations of negligence should they injure other members or members of the public. If the spectators are injured as a result of your clubs or its member's negligence they have the right to bring a liability claim against you. However, if a spectator injures themselves at an event and there is no negligence attaching to the club or its members there is no automatic payment to the spectator.
The public liability cover is provided in the United Kingdom, the Channel Islands, the Isle of Man, all member countries of the European Union, Andorra, Croatia, Iceland, Liechtenstein, Norway and Switzerland and this would cover claims for alleged third party injury, or third party property damage.
The public liability policy does not however, provide you with any travel insurance. Travel insurance would cover overseas emergency medical treatment, following an accident, repatriation costs, cancelled flights etc. Marsh Sport can provide a travel quotation if required. Please click here for more information.
Yes, a club member can teach within their club, to their level of teaching/coaching qualification, and will be insured for public liability and professional indemnity insurance. However, Coach-led sessions must be undertaken by an appropriately qualified coach.
No, the insurance provided by Snowsport Cymru Wales does not cover individuals own kit/equipment.
There is a statute of limitation for an injured party to bring a claim for injury against. Usually 3 years or if they are a child up to 3 years from their 18th birthday. This however can be reviewed by the courts dependant on the circumstances. It is imperative however that you notify any circumstance which may give rise to a claim as soon as you are aware of it.
Yes, off-piste coverage is included as per the below condition:
Basis of Off-Piste Cover
Off-piste shall mean areas of snow that are not part of any marked or maintained ski runs both within and outside a resort boundary.
UK Coverage
The policy will include liability arising from any Snowsports activities undertaken in off-piste areas within the UK, where the activity is led or conducted by a qualified member that holds an appropriate off-piste leadership or snow safety qualification awarded by the National Governing Body.
EU Coverage
The policy will include liability arising from any Snowsports activities undertaken off-piste within the resort boundaries only, within the EU, where the activity is led or conducted by a qualified member that holds an appropriate off-piste leadership or snow safety qualification awarded by the National Governing Body. This Policy also excludes any liability arising directly or indirectly from any Snowsport activities taking place on any glaciated terrain.
Although the Liability cover you receive is anywhere in Europe, you do not automatically receive Travel Insurance. Marsh Sport can provide a travel quotation if required. Please click here for more information.
Yes, the Public Liability cover extends to cover up to 3 taster sessions before deciding whether you'd like to become a full member of the club.
Activities recognised and therefore covered via your insurance are:
There aren't any age restrictions on the liability insurance, however we stipulate that participation in all activities must be in accordance with the rules & guidelines of Snowsport Cymru Wales. As such if there are any age restrictions imposed by Snowsport Cymru Wales for certain disciplines, then these must be adhered to.
Yes, a club member can teach within their club, to their level of teaching/coaching qualification, and will be insured for public liability and professional indemnity insurance. However, Coach-led sessions must be undertaken by an appropriately qualified coach.
The Liability Policy protects the club and its registered members for allegations of negligence should they injure other members or members of the public. If the spectators are injured as a result of your clubs or its member's negligence they have the right to bring a liability claim against you. However, if a spectator injures themselves at an event and there is no negligence attaching to the club or its members there is no automatic payment to the spectator.
If your club employs the services of others it is a statutory requirement for your club to purchase Employers Liability Insurance.
This is not automatically provided as part of your affiliation with Snowsport Cymru Wales. Please contact Marsh Sport for a quotation.
Please note volunteers should be treated in the same way as paid employees as the law does not restrict the definition of employees to those who receive payment for their services.
No, the cover is only in place for those activities recognised by Snowsport Cymru Wales.
The public liability cover is provided to you travelling anywhere in the United Kingdom, the Channel Islands, the Isle of Man, all member countries of the European Union, Andorra, Croatia, Iceland, Liechtenstein, Norway and Switzerland. This would cover claims for alleged third party injury, or third party property damage.
The public liability policy does not however, provide you with any travel insurance. Travel insurance would cover overseas emergency medical treatment, following an accident, repatriation costs, cancelled flights etc. Marsh Sport can provide a travel quotation if required. Please click here for more information.
No. Please contact Marsh Sport for a quotation.
Yes, there is a £350 Excess against any bodily injury/property claim.
There is a statute of limitations for an injured party has to bring a claim for injury against you. Usually 3 years or if they are a child up to 3 years from their 18th birthday. This however can be reviewed by the courts dependant on the circumstances. It is imperative however that you notify any circumstance which may give rise to a claim as soon as you are aware of it.
Yes please note the insurance via Snowsport Cymru Wales does not cover Ski Mountaineering and Tubing.
Risk management is key when defending a claim and will need to be evidenced in the event of an incident. As such it is imperative that you undertake a risk assessments for all club activities.
Yes, off-piste coverage is included as per the below condition:
Basis of Off-Piste Cover
Off-piste shall mean areas of snow that are not part of any marked or maintained ski runs both within and outside a resort boundary.
UK Coverage
The policy will include liability arising from any Snowsports activities undertaken in off-piste areas within the UK, where the activity is led or conducted by a qualified member that holds an appropriate off-piste leadership or snow safety qualification awarded by the National Governing Body.
EU Coverage
The policy will include liability arising from any Snowsports activities undertaken off-piste within the resort boundaries only, within the EU, where the activity is led or conducted by a qualified member that holds an appropriate off-piste leadership or snow safety qualification awarded by the National Governing Body. This Policy also excludes any liability arising directly or indirectly from any Snowsport activities taking place on any glaciated terrain.
Providing the activity does not require any specialist training, qualification, experience or equipment that is not recognised by Snowsport Cymru Wales then social activity is covered involving affiliated club members.
Examples of recognised social activities would include Award Dinners and BBQ's.
If you are unsure whether your social activity is recognised, please contact Marsh Sport on 0345 872 5060 or email: marshsport@marsh.com
Social activities and associated entertainment involving non-members such as Birthday Parties are not covered.
Activities recognised and therefore covered via your insurance are:
We would recommend that a designated person within your club is made responsible to record any reportable accident/incident. Records must be kept for at least 6 years, and longer where it involves a person under the age of 18 years. Names and addresses of any possible witnesses should also be recorded. Please ensure your club has an accident book to record all such information. In respect of Safeguarding allegations records should be kept indefinitely.
The 'geographical/territorial' limits on the policy is where you can participate in Snowsport activities which is covered anywhere in Europe. In layman terms, this means that you can train, participate and compete in recognised and approved Snowsport Cymru Wales activity in Europe. The 'jurisdiction' is where an allegation/claim can be made against you or your club. In layman terms, this means the country in which a solicitor can be appointed, to try and sue you, if a third party feels you/ your club are deemed negligent. The territorial/ jurisdictional limit on the policy is United Kingdom.
Please contact Marsh Sport to report the incident as soon as possible Tel: 0345 872 5060 Email: marshsport@marsh.com.
Under British Law, you can still be called an "employee" even if you are not paid. Our advice would always be to take out Employers Liability insurance. The type of contract in place with the coach may also mean you have employee employer relationship. In general, you may need Employers liability insurance for someone who works for you if any of the following apply:
Employers Liability provides protection to your club, as the employer, in the event any of the volunteers or employees becoming injured themselves and suing your club for negligence.
Yes, the Public Liability cover extends to cover up to 3 taster sessions before deciding whether you'd like to become a full member of the club.
Please contact Snowsport Cymru Wales for a full list of licensing awards and the remit of each award.
The 'geographical/territorial' limits on the policy is where you can participate in Snowsport activities which is covered anywhere in Europe. In layman terms, this means that you can train, participate and compete in recognised and approved Snowsport Cymru Wales activity in Europe. The 'jurisdiction' is where an allegation/claim can be made against you or your club. In layman terms, this means the country in which a solicitor can be appointed, to try and sue you, if a third party feels you/ your club are deemed negligent. The territorial/ jurisdictional limit on the policy is United Kingdom.
We would recommend that a designated person within your club is made responsible to record any reportable accident/incident. Records must be kept for at least 6 years, and longer where it involves a person under the age of 18 years. Names and addresses of any possible witnesses should also be recorded. Please ensure your club has an accident book to record all such information. In respect of Safeguarding allegations records should be kept indefinitely.
Yes, off-piste coverage is included as per the below condition:
Basis of Off-Piste Cover
Off-piste shall mean areas of snow that are not part of any marked or maintained ski runs both within and outside a resort boundary.
UK Coverage
The policy will include liability arising from any Snowsports activities undertaken in off-piste areas within the UK, where the activity is led or conducted by a qualified member that holds an appropriate off-piste leadership or snow safety qualification awarded by the National Governing Body.
EU Coverage
The policy will include liability arising from any Snowsports activities undertaken off-piste within the resort boundaries only, within the EU, where the activity is led or conducted by a qualified member that holds an appropriate off-piste leadership or snow safety qualification awarded by the National Governing Body. This Policy also excludes any liability arising directly or indirectly from any Snowsport activities taking place on any glaciated terrain.
Please contact Marsh Sport to report the incident as soon as possible Tel: 0345 872 5060 Email: marshsport@marsh.com
For Instructors, Coaches & Leaders who meet the Snowsport Cymru Wales licensing criteria, you are covered for the following:
Activities recognised and therefore covered via your insurance are:
Yes, the Public Liability cover extends to cover up to 3 taster sessions before deciding whether you'd like to become a full member of the club.
There aren't any age restrictions on the liability insurance, however we stipulate that participation in all activities must be in accordance with the rules & guidelines of Snowsport Cymru Wales. As such if there are any age restrictions imposed by Snowsport Cymru Wales for certain disciplines, then these must be adhered to.
Yes, please note the insurance via Snowsport Cymru Wales does not cover Ski Mountaineering and Tubing.
There is a statute of limitation for an injured party to bring a claim for injury. Usually 3 years or if they are a child up to 3 years from their 18th birthday. This however can be reviewed by the courts dependant on the circumstances. It is imperative however that you notify any circumstance which may give rise to a claim as soon as you are aware of it.
The public liability cover is provided for the United Kingdom, the Channel Islands, the Isle of Man, all member countries of the European Union, Andorra, Croatia, Iceland, Liechtenstein, Norway and Switzerland. This would cover claims for alleged third party injury, or third party property damage. The public liability policy does not however, provide you with any travel insurance.
Travel insurance would cover overseas emergency medical treatment, following an accident, repatriation costs, cancelled flights etc. Marsh Sport can provide travel insurance solutions. Please click here for more information and to obtain a quotation.
No, the cover is only in place for those activities recognised by Snowsport Cymru Wales.
Yes, a club member can teach within their club, to their level of teaching/coaching qualification, and will be insured for Public Liability and Professional Indemnity insurance. However, Coach-led sessions must be undertaken by an appropriately qualified coach.
No, there is no insurance cover in place for tubing.
Yes, there is a £350 Excess against any bodily injury/property claim.
You do not automatically receive Travel Insurance. Please contact Marsh Sport for a travel Insurance quote: Tel: 0345 872 5060 Email: marshsport@marsh.com.
Yes, the Sportscover Liability policy will defend claims made against you for negligence. Please note any claims relating to deliberate or criminal acts are excluded.
The Liability Policy protects the club and its registered members for allegations of negligence should they injure other members or members of the public. If the spectators are injured as a result of your clubs or its member's negligence they have the right to bring a liability claim against you. However, if a spectator injures themselves at an event and there is no negligence attaching to the club or its members there is no automatic payment to the spectator.