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Winter Sports Cover Insurance: Our Product Range

At ERGO we understand the needs of the British Skier and Snowboarder. We know that when you book your trip there’s a wide variety of things that you might want to do or try depending on your level and ambition. That’s why we’ve developed three ski and snowboard tailored insurance products to suit the needs of the snow sports enthusiast: Rookie, Adventurer, and Pro.

Take your time to read through our winter sports insurance products and decide which is right for you. Rest assured your ski insurance can cover you for many different activities while you are on your ski holiday! We’re confident that whatever your path down the mountain, we’ll have the right product, but if you’re unsure you can always get in touch with us.

We take your travel seriously, and take pride in providing you with high-quality travel insurance cover for your winter sports break, here is how it works:

1. Simply click on “Start Your Quote” above and select “Winter Sports”

2. Follow and fill in the form until check out, making sure your policy covers your activity

3. Buy your policy and you’re ready to go. Have a great ski holiday or professional ski trip!

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

Rookie Ski Insurance

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 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 too, please refer to the policy wordings for more information.

Please note: There is 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)
£500
(£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)
£200
(£20/12 hrs)
8 Personal effects / possessions £1,000 £75 £1,500 £50
9 Luggage delay £150
(£50/12 hrs)
£250
(£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.

  Rookie
(Standard)
Adventurer Pro
SKIING/SNOWBOARDING      
Biathlon ✔ ✔ ✔
Bigfoot Skiing ✔ ✔ ✔
Glacier Skiing within Marked Areas ✔ ✔ ✔
Langlauf/Cross Country/Nordic Walking ✔ ✔ ✔
Mono Skiing ✔ ✔ ✔
Skiing/Snowboarding ✔ ✔ ✔
Snowblading ✔ ✔ ✔
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 ✔
OTHER WINTER SPORTS      
Dog Sledding ✔ ✔ ✔
Glacier Walking within Marked Areas ✔ ✔ ✔
Ice Skating ✔ ✔ ✔
Snow Shoeing ✔ ✔ ✔
Speed Skating ✔ ✔ ✔
Tobogganing ✔ ✔ ✔
Ice Hockey ✔ ✔
Bobsleighing ✔
Luging ✔

 

Adventurer Insurance

With our Adventurer upgrade, you still get all of the cover for skiing the piste, 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 though.

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 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 for you.

Please note: There is 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)
£500
(£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)
£200
(£20/12 hrs)
8 Personal effects / possessions £1,000 £75 £1,500 £50
9 Luggage delay £150
(£50/12 hrs)
£250
(£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.

  Rookie
(Standard)
Adventurer Pro
SKIING/SNOWBOARDING      
Biathlon ✔ ✔ ✔
Bigfoot Skiing ✔ ✔ ✔
Glacier Skiing within Marked Areas ✔ ✔ ✔
Langlauf/Cross Country/Nordic Walking ✔ ✔ ✔
Mono Skiing ✔ ✔ ✔
Skiing/Snowboarding ✔ ✔ ✔
Snowblading ✔ ✔ ✔
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 ✔
OTHER WINTER SPORTS      
Dog Sledding ✔ ✔ ✔
Glacier Walking within Marked Areas ✔ ✔ ✔
Ice Skating ✔ ✔ ✔
Snow Shoeing ✔ ✔ ✔
Speed Skating ✔ ✔ ✔
Tobogganing ✔ ✔ ✔
Ice Hockey ✔ ✔
Bobsleighing ✔
Luging ✔

 

Pro Ski Insurance

Our pro upgrade level of insurance encompasses backcountry touring, heli-skiing, cat-skiing and now park and pipe as well, giving pro skiers and snowboarders the cover they need to practice, perfect and enjoy all of the amazing experiences the mountain has to offer.

Want to get off the mountain? No problem, there’s also a variety of different non-winter sports activities you are covered for, refer to the policy wordings for more information.

Whatever your level, safety is still paramount and we strongly recommend you wear the right protective gear on the snow.

Single trip policies are available for up to 276 days (approximately 9 months), also you have the ability to increase cancellation cover on Black to £10,000 which is designed for riders who are participating on instructor courses, so your fees are protected should the unfortunate occur.

Please note: There is 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)
£500
(£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)
£200
(£20/12 hrs)
8 Personal effects / possessions £1,000 £75 £1,500 £50
9 Luggage delay £150
(£50/12 hrs)
£250
(£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.

  Rookie
(Standard)
Adventurer Pro
SKIING/SNOWBOARDING      
Biathlon ✔ ✔ ✔
Bigfoot Skiing ✔ ✔ ✔
Glacier Skiing within Marked Areas ✔ ✔ ✔
Langlauf/Cross Country/Nordic Walking ✔ ✔ ✔
Mono Skiing ✔ ✔ ✔
Skiing/Snowboarding ✔ ✔ ✔
Snowblading ✔ ✔ ✔
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 ✔
OTHER WINTER SPORTS      
Dog Sledding ✔ ✔ ✔
Glacier Walking within Marked Areas ✔ ✔ ✔
Ice Skating ✔ ✔ ✔
Snow Shoeing ✔ ✔ ✔
Speed Skating ✔ ✔ ✔
Tobogganing ✔ ✔ ✔
Ice Hockey ✔ ✔
Bobsleighing ✔
Luging ✔

 

 

Start your Quote

 

 

 

I was very impressed by the level of service.

They beat the competition by a country mile! Super happy and will most certainly be buying insurance with them again.

ERGO Customer - December 2019