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For many families, couples and groups of friends, a ski or snowboard holiday is a great way to escape to the peace and fresh air of the mountains, enjoying the exhilarating freedom of the sport and the time together doing something you all love.

Rookie Ski Insurance

Whether you prefer leisurely skiing the green runs and taking in the scenery or attacking those more difficult slopes and really making those ski edges work, you’ll be covered for on-piste mishaps. Don’t forget though that most skiing accidents can be prevented by wearing a helmet and back protector and that’s why we strongly recommend you’re wearing the right protective gear. See Safety On Snow for more information before your trip.

This policy has been specifically designed for the British Ski market and all main snow sports are included. Should you, however, wish to be a bit more adventurous and want to start exploring more of the mountain, maybe the temptation of that untouched powder snow is too much for you, then take a look at our Adventurer product upgrade that will enable you to safely take your skiing to the next level…

Rookie cover is our standard ski product, but you can easily upgrade the levels of activities with the Adventurer or Pro products. There are also a variety of non-winter sports activities covered if you fancy trying anything else, please refer to the policy wordings for more information.

Please note: There also a variety of different non winter sports activities you are covered for, please refer to the policy wordings for more information.

1. Choose your base cover

Black or Red? First choose which base cover suits you best:

ERGO Red Rookie Cover ERGO Black Rookie Cover
No Section Sum insured Excess Sum insured Excess
1 Emergency medical & repatriation expenses £5,000,000 £75 £10,000,000 £50
2 Personal accident £10,000 £25,000
3 Withdrawal of services £300
(£20/24 hrs)
(£30/24 hrs)
4 Provision of screened blood £25,000 £25,000
5 Cancellation £2,000 £75 £5,000 £50
6 Curtailment £2,000 £75 £5,000 £50
7 Travel delay £150
(£15/12 hrs)
(£20/12 hrs)
8 Personal effects / possessions £1,000 £75 £1,500 £50
9 Luggage delay £150
(£50/12 hrs)
(£50/12 hrs)
10 Personal liability £2,000,000 £100 £2,000,000 £100
11 Hijack / kidnap / mugging £250 £350
12 Catastrophe £500 £500
13 Scheduled airline failure £1,000
14 Legal expenses £25,000 £25,000
15 A Winter sports – equipment £750 £75 £1,000 £50
15 B Winter sports – equipment hire £350 £75 £500 £50
15 C Winter sports – delayed ski equipment £200 £75 £350 £50
15 D Winter sports – unused ski package £300 £50
15 E Winter sports – piste closure £250 £75 £400 £50
15 F Winter sports – avalanche cover £250 £75 £400 £50

2. Choose your product

Once you have chosen your base (Red or Black), as standard you will be covered for the activities of a Rookie. If you are more experienced and demand cover for off piste ski insurance with a guide, then our Adventurer product upgrade may be your choice. If you are interested in slightly more extreme winter sports such as off piste ski insurance without a guide, then consider our Pro product upgrade.

Adventurer Pro
Bigfoot Skiing
Glacier Skiing within Marked Areas
Langlauf/Cross Country/Nordic Walking
Mono Skiing
Cat Skiing/Snowboarding
Dry Slope Skiing/Snowboarding
Heli-Skiing or Snowboarding with Professional Guide
Ski Race Training
Ski Touring (Ski Randonee) with a Professional Guide
Skiing/Snowboarding – Off Piste with Professional Guide
Freestyle Skiing/Snowboarding within a resort organised park
Ski Mountaineering
Ski Racing (slalom, giant slalom, super G only limited to 7 days racing in policy period)
Ski Touring (Ski Randonee)
Skiing/Snowboarding – Off Piste
Dog Sledding
Glacier Walking within Marked Areas
Ice Skating
Snow Shoeing
Speed Skating
Ice Hockey