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 One of the main reasons many customers love our products going off piste, heli-skiing and skiing / snowboarding within a terrain park.
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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 three levels of cover for our annual ski insurance products, Element, Protect, and Optimum. Each offers varying levels of cover depending on your needs, experience, trip type, and budget. Once you have decided which cover level is best suited to your trip, review the drop-down product tables below. These indicate the activities included with each product.

 

Element Protect Optimum

Medical Expenses

Including hospitalisation, surgical, pharmaceutical, rehabilitation and dental

Up to £7.5 million

Up to £10 million

Up to £15 million

Cancellation

Reimbursement for losses incurred by third-party cancellation of travel and or accommodation

Up to £1,500

Up to £3,000

Up to £5,000

Winter Sports Equipment

Reimbursement for loss or damages caused by third parties

Up to £500

Up to £750

Up to £1,000

Personal Accident

Reimbursement for personal accident or damages caused during your trip

Up to £10,000

Up to £20,000

Up to £30,000

The tables below show what is included with each level of base cover. They include varying levels of cover for more common travel incidence, for example, if your trip is delayed, you miss your departure or you lose your passport. The bottom tab shows what activities are covered with each product type, so if your an experienced snowboarder planning on trying border cross, Pro is probably best suited to your trip. If you’re a novice and plan to stick to the nursery slope, Rookie or Adventurer might be the one for you.

 

Choose your base cover

Base Cover: Optimum
What is insured? Sums are up to (maximum)
Winter Sports £1,000
Cancellation £5,000
Cutting Short Your Trip £5,000
Emergency Medical Expenses incl 24/7 Assistance – £15 million
Personal Accident £30,000
Missed Departure £1,000
Travel Delay £350
Personal Possessions £2,500
Baggage Delay £300
Personal Money £500
Loss of Passport £250
Personal Liability £2 million
Legal Costs and Expenses £25,000
Hijack £1,500
COVID-19 cover – up to limits shown under the Cancellation, Cutting Short Your Trip and Emergency Medical Expenses sections above
Base Cover: Protect
What is insured? Sums are up to (maximum)
Winter Sports £750
Cancellation £3,000
Cutting Short Your Trip £3,000
Emergency Medical Expenses incl 24/7 Assistance –

up to

£10 million
Personal Accident £20,000
Missed Departure £1,000
Travel Delay £280
Personal Possessions £1,500
Baggage Delay £200
Personal Money £400
Loss of Passport £200
Personal Liability £2 million
Legal Costs and Expenses £25,000
Hijack £1,000
COVID-19 cover – up to limits shown under the Cancellation, Cutting Short Your Trip and Emergency Medical Expenses sections above
Base Cover: Element
What is insured? Sums are up to (maximum)
Winter Sports £500
Cancellation £1,500
Cutting Short Your Trip £1,500
Emergency Medical Expenses incl 24/7 Assistance – up to £7.5 million
Personal Accident £10,000
Missed Departure £1,000
Travel Delay £200
Personal Possessions £750
Baggage Delay £100
Personal Money £300
Loss of Passport £150
Personal Liability £2 million
Legal Costs and Expenses £25,000
Hijack £500
COVID-19 cover – up to limits shown under the Cancellation, Cutting Short Your Trip and Emergency Medical Expenses sections above

 

Choose your product type

Choose your product

Once you have chosen your base (Element, Protect or Optimum), 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.

Rookie Adventurer Pro
Acroski (ski-ballet)
Aerials / kickers skiing within a Terrain Park
Any form of power assisted skiing or the use of mechanized snow mobiles (except as provided by the recognised piste authorities for transport to and from areas designated for recreational skiing)
Boarder-cross outside of Europe
Boarder-cross within Europe
Biathlon
Bigfoot skiing
Bobsleigh
Cat skiing
Curling
Dog sledding as a passenger with a professional driver
Downhill or super giant-slalom (“Super G”) racing or race-training
Dry-slope skiing
Glacier skiing within marked areas
Glacier walking within marked areas
Half-pipe skiing within a Terrain Park
Heli-skiing with a professional guide
Ice climbing
Ice skating
Kite-skiing
Langlauf / cross country / Nordic walking
Luge
Mogul racing or race-training (limited to 7 days racing in the

Policy Period *)

Moguls
Mono-skiing
Para-ponting

 

 

Start your Quote

 

 

Great cover at a great price

I needed travel insurance quickly, it was so easy to get with great cover & just the best price out there. Would have no hesitation in recommending them

ERGO Customer - August 2021