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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.

Chose your Adventurer Ski Insurance policy:

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