Rookie Ski Insurance

Our main Winter Sports Product

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For many families, couples and groups of friends, a ski or snowboard holiday is a great way to escape to the peace and fresh air of the mountains, enjoying the exhilarating freedom of the sport and the time together doing something you all love.

Rookie Ski Insurance

Whether you prefer leisurely skiing the green runs and taking in the scenery or attacking those more difficult slopes and really making those ski edges work, you’ll be covered for on-piste mishaps. Don’t forget, depending on where you travel, some resorts mandate that you wear a helmet and any other safety equipment.

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 snow 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…

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.

Choose your level of winter sports activities

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 base cover
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	✘	✘	✘
Professional activity of any kind including competitions and races	✘	✘	✘
Sit-skiing, skiing with outriggers and use of other (non-mech- anised) equipment for the disabled
Skeleton	✘	✘	✘
Ski acrobatics	✘	✘	✘
Ski mountaineering	✘	✘
Ski race training (slalom or giant slalom only)	✘
Ski racing (slalom or giant slalom only and limited to 7 days racing in the Policy Period *)	✘	✘
Ski touring (ski randonee)	✘	✘
Ski touring (ski randonee) with a professional guide	✘
Ski biking	✘
Ski bob racing	✘	✘	✘
Ski-cross outside of Europe	✘	✘	✘
Ski-cross within Europe	✘	✘
Ski-diving or parachuting	✘	✘	✘
Skiing Off-piste	✘	✘
Skiing Off-piste with a Professional Guide	✘
Skiing On-piste
Ski-jumping or ski-flying	✘	✘	✘
Sleigh rides pulled by a horse or reindeer, as a passenger with a professional driver
Slopestyle skiing within a Terrain Park	✘	✘
Snow dome (indoor skiing on snow; NOT dry-slope)
Snow-blading
Snow-kiting	✘	✘	✘
Snow-mobiling as a passenger with a professional driver	✘	✘	✘
Snow-rafting, snow-boating or snow-kayaking or the use of improvised equipment such as mattresses, roof-boxes etc. as vehicles for sliding	✘	✘	✘
Snow-shoein
Speed skating
Speed skiing	✘	✘	✘
Telemark skiing

* Where We provide cover for racing, this is limited to 7 days in total in the Policy Period for all covered activities.

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Rookie Ski Insurance

Rookie Ski Insurance

Enhanced COVID-19 Cover

Travel Insurance Products

Pre-Existing Medical Cover