Just had a look at an old policy and its not only winter sports that require an extra premium. The list is Golf cover (covering loss of equipment, hire of equipment and green fees), Business cover (covering business equipment, samples, money and replacing staff), Wedding cover (covering outfits, gifts, rings and photographer), Natural catastrophe cover (covering cancellation, being stranded, car parking, kennel fees and travel expenses to get home) and Cruise cover (covering missed port, cabin confinement and unused excursions).