Winter Sports Cover
Tailored travel insurance for skiing and winter sports.
Winter Sports Cover Insurance: Our Product Range
At ERGO we understand 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 activity levels to chose from within our 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 you can check the Hazardous Sports and Activities list on page 58 in the policy wording.
3. Buy your policy and you’re ready to go. Have a great ski holiday or professional ski trip!
| 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 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 | ✘ | ✘ | ✘ |
Rookie Ski Insurance
This policy has been specifically designed for the ski and snowboard market with selected snow sports included. However, should you wish to be a bit more adventurous and want to start exploring more of the mountain, or 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…
Safety is still paramount and we strongly recommend you wear the right protective gear on the snow.
Rookie cover is our standard ski product, but you can easily upgrade the levels of activities with the Adventurer or Pro products.
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.
Adventurer Insurance
With our Adventurer upgrade, you still get all of the cover for skiing the piste, but you’re also covered to ski off-piste accompanied by 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 slopestyle ski in a terrain park or half-pipe skiing within a terrain park 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.
Pro Ski Insurance
Our pro upgrade level of insurance encompasses backcountry touring, heli-skiing, cat-skiing and now slopestyle skiing within a terrain park and half pipe skiing within a terrain park 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.