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ERGO is a specialist and award winning provider of annual ski insurance. Our annual ski insurance users include Graham Bell, Katie Summerhayes, Ross Welch, Millie Wilkinson.

What is Annual Ski Insurance?

Annual ski insurance is essentially annual (yearly) travel insurance with additional winter sports cover. Your standard annual multi trip cover is for people who are looking to go abroad multiple times a year and don’t want the hassle of sorting insurance every time they go away. It saves time, effort and with one payment your covered for the whole year.

Why Choose ERGO?

We have competitive prices, cover limits and excesses, which allow us to be considered a specialist ski insurance provider. Our specialist annual ski insurance cover will allow you to have confidence and peace of mind whilst traversing those slopes. One of the main reason many customers love our product is because we can cover individuals, couples, families and groups for activities like going off piste, heli-skiing and freestyle within a resort.

We have tons of great reviews from happy customers and we feel this is due to our “ERGO standard“. This is outlined on our Quality and Service page. We are also proud to announce that we provide 24/7 medical assistance, so we are there for you no matter where you are or what time zone you are in!

Our Products

We offer two types of annual ski insurance products:

  • Red Rookie
  • Black Rookie

Red is our standard cover, Black is our premium product. The drop down below outlines all of our cover limits in February 2017.

Shall I get Red or Black Rookie?


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

The Activities Covered:

We provide cover for a whole host of a activities, we break down all our annual travel insurance, including winter sports into three tiers:

Activities List:

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


Our holiday to Lanzarote was cancelled…

Our holiday to Lanzarote was cancelled, I called up to change the destination, it was done within a few minutes with no extra cost. Very happy & will use again.

ERGO Customer - September 2020