So you have mastered all that the groomed slopes have to offer? You now want to ride your skis or snowboard in the off-piste! We know that off-piste/free ride/backcountry is the holy grail for most snowsports enthusiasts out there and we want to help you move off the slopes and on to the freshest powder on the mountains!
Some insurance policies may not cover you for off-piste ski and snowboarding, but we are skiers and we know that off-piste/free ride/backcountry is the holy grail and that finding a quality insurance that will cover you can be tricky.
With our Adventurer upgrade you still get all of the cover for riding on the groomers, but you’re also covered to ride away from the piste markers with a professional guide! We strongly recommend that you wear the right protective gear so take a look at Safety On Snow for more information.
A guide can safely take you into the backcountry and help you learn the safest and easiest ways to enjoy the powder. Usually reputable freeride schools will have avalanche safety equipment that you can hire from them; these include an avalanche transceiver, a shovel and a probe.
If this type of skiing is something you want to do, then you should also think about getting a wider set of skis, with some rocker technology to make life easier for yourself. Don’t forget when you take this step away from the groomed slopes and off-piste things do become a bit more dangerous so remember your helmet and back protector!
If you’re the type of person who already spends most of your time up the mountain off-piste and you are used to riding the backcountry on your own, or you want to start learning how to ride park and pipe then our Pro upgrade may be just for you.
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.
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|
|3||Withdrawal of services||£300
|4||Provision of screened blood||£25,000||–||£25,000||–|
|8||Personal effects / possessions||£1,000||£75||£1,500||£50|
|11||Hijack / kidnap / mugging||£250||–||£350||–|
|13||Scheduled airline failure||–||–||£1,000||–|
|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|
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.
|Glacier Skiing within Marked Areas||✔||✔||✔|
|Langlauf/Cross Country/Nordic Walking||✔||✔||✔|
|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 Racing (slalom, giant slalom, super G only limited to 7 days racing in policy period)||✘||✘||✔|
|Ski Touring (Ski Randonee)||✘||✘||✔|
|Skiing/Snowboarding – Off Piste||✘||✘||✔|
|OTHER WINTER SPORTS|
|Glacier Walking within Marked Areas||✔||✔||✔|