Adventurer Ski
Insurance
An upgrade for more adventurous skiing & boarding
Get a quote online
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!
Going off piste
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 The ultimate ski and winter sports insurance guide for more information.
Using a guide
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 maybe just 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.
Choose your base cover
| 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 | ✘ | ✘ | ✘ |
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