Winter Sports Cover Insurance: Our Product Range
At ERGO we have developed a Winter Sports policy that can be tailored to meet the needs of snow sports enthusiasts from beginner to pro. We offer Single and Annual Multi-Trip policies with a choice of 3 different levels of cover – Element, Protect and Optimum. All policies cover Rookie winter sports activities as standard but if your’re planning more adventurous pursuits such as off-piste skiing or half-pipe skiing within a terrain park, it’s easy to upgrade to our Adventurer or Pro activities cover.
| 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 |
Select Optimum, Protect or Element below to see what is included within each level of base cover and how much cover is provided under each section of cover.
Then take a look at the full list of winter sports activities covered under Rookie, Adventure or Pro so you can make sure you choose the level that’s right for you.
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 base cover
| Rookie | Adventurer | Pro | |
| Acroski (ski-ballet) |  |
|
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| 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 | |
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| Bigfoot skiing | |
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| Bobsleigh | ✘ | ✘ | ✘ |
| Cat skiing | ✘ | |
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| Curling | |
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| Dog sledding as a passenger with a professional driver | |
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| Downhill or super giant-slalom (“Super G”) racing or race-training | ✘ | ✘ | ✘ |
| Dry-slope skiing | ✘ | |
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| Glacier skiing within marked areas | |
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| Glacier walking within marked areas | |
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| Half-pipe skiing within a Terrain Park | ✘ | ✘ | |
| Heli-skiing with a professional guide | ✘ | |
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| Ice climbing | ✘ | ✘ | ✘ |
| Ice skating | |
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| Kite-skiing | ✘ | ✘ | ✘ |
| Langlauf / cross country / Nordic walking | |
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| Luge | ✘ | ✘ | ✘ |
| Mogul racing or race-training (limited to 7 days racing in the Policy Period *) | ✘ | ✘ | |
| Moguls | ✘ | ✘ | |
| Mono-skiing | |
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| 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…
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!
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.
Our Pro upgrade level of insurance encompasses our widest range of activities giving you the cover you need!
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.
