Annual Ski Insurance
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.
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 ExpensesIncluding hospitalisation, surgical, pharmaceutical, rehabilitation and dental |
Up to £7.5 million |
Up to £10 million |
Up to £15 million |
 |
CancellationReimbursement 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 EquipmentReimbursement for loss or damages caused by third parties |
Up to £500 |
Up to £750 |
Up to £1,000 |
 |
Personal AccidentReimbursement 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 |
| 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 |
| 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
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 | ✘ | ✘ | ✘ |