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Skiing - Off Piste (with a Guide) Travel Insurance
If you are planning a ski trip and will be Off Piste Skiing or Snowboarding with a Guide within Resort Boundaries, you should have a Travel Insurance policy before leaving your home. As Skiing holidays become increasingly popular, you must have comprehensive Cover for your ski trip. The importance of Travel Insurance cannot be overstated, especially if you plan to…
If you are planning a ski trip and will be Off Piste Skiing or Snowboarding with a Guide within Resort Boundaries, you should have a Travel Insurance policy before leaving your home.
As Skiing holidays become increasingly popular, you must have comprehensive Cover for your ski trip.
The importance of Travel Insurance cannot be overstated, especially if you plan to go Off Piste Skiing / Snowboarding with a Guide.
Highlights of our Off-Piste Skiing / Snowboarding Cover:
- Emergency Medical Expenses up to £5,000,000, including Repatriation back to the UK.
- Search and Rescue are covered if medically deemed necessary.
- Cover for Ski Equipment up to £1,500.
This policy does not cover you if you go Off Piste Skiing without a Guide outside Resort Boundaries. If you require a quote, please visit our information page, Off Piste Skiing (without a Guide) Travel Insurance.
To contact us by telephone or email, 0800 043 0020 / 01273 092 757 support@jsinsurance.co.uk
- Summary of Cover
- Top 10 Skiing Off-Piste (with a Guide) Travel Insurance FAQ
- Piste Skiing / Snowboarding (with a Guide)
- Pre-Existing Medical Conditions
Summary of Cover (per person)
| Section & Cover | Silver | Gold | Platinum |
|---|---|---|---|
| Emergency Medical and Repatriation* | £5,000,000 | £5,000,000 | £5,000,000 |
| Search and Rescue* | £25,000 | £50,000 | £50,000 |
| Personal Liability | - | £2,000,000 | £2,000,000 |
| Cancellation or Curtailment* | - | £3,000 | £7,500 |
| Personal Baggage* | £500 | £2,500 | £3,500 |
| Activity Equipment | £1,500 | £1,500 | £1,500 |
| Valuables* | £250 | £250 | £500 |
| Loss of Passport* | - | £300 | £500 |
| Travel Delay | - | £300 | £1,000 |
| Trip Abandonment* | - | £3,000 | £7,500 |
| Missed Departure / Connection | - | £500 | £500 |
| Legal Expenses* | - | £25,000 | £50,000 |
| Unused Activity Pack | £75 | £75 | £75 |
| Piste / Mountain Closure* | £1,000 | £1,000 | £1,000 |
| Avalanche / Landslide Cover | £1,000 | £1,000 | £1,000 |
*Excess payable does vary depending on the claim benefit.
Please read the Policy Wording for the complete list of Benefits.
Healix Insurance Services Ltd, on behalf of Hamilton Insurance DAC, arranges this Travel Insurance policy for Jade Stanley Ltd. Healix Insurance Ltd is registered in England and Wales under No. 5484190 and authorised and regulated by the Financial Conduct Authority under No. 437248. Hamilton Insurance DAC is registered in Ireland No. 484148, authorised by the Central Bank of Ireland, and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in connection with their UK branch. Jade Stanley Ltd is registered in England and Wales under No. 03570857 and authorised and regulated by the Financial Conduct Authority under No. 306205.
Top 10 Skiing Off-Piste (with a Guide) Travel Insurance FAQs
1. Under this policy, what is the definition of Off-Piste Skiing / Snowboarding (with a guide)?
The definition is Off Piste Skiing / Snowboarding on unmarked and ungroomed slopes within Resort Boundaries that are considered safe by Resort Management, where ski lifts and emergency services are easily accessible and end back at a ski area lift.
This does not cover the backcountry or areas marked as prohibited from entry.
2. Does your Travel Insurance cover me if I ski between or just over piste markings?
Yes, you will be covered for skiing piste to piste over markings if you are within the ski area boundaries of a recognised Ski Resort that is patrolled.
3. How many days can I ski off-piste with a JS Travel Insurance policy on a single trip and annual multi-trip basis?
The maximum trip length of days you can ski/snowboard off-piste on a Single Trip is 180 days.
4. What are Ski Resort Boundaries?
On a Piste map, the ski resort boundaries will show you where you are allowed to ski and the difficulty of each run, for example:
- Green - Beginners
- Blue - Beginners
- Red - Intermediate
- Black - Expert
Off-piste runs are usually shown on a map as a Neon Yellow or Orange.
You would be covered to ski/snowboard on these runs as there is chair lift access and ski patrols are in the area.
However, you would not be covered if you decided to ski off-piste outside of resort boundaries where there are no markings on the piste map or where there is no accessible lift and it is unpatrolled.
Piste maps also show you types of lifts, restaurants, mountain rescue services, etc.
5. Do I need to Ski/Snowboard off-piste with a Guide or Instructor?
If you are skiing/ snowboarding off-piste, you must always be with a professional guide/instructor within recognised resort areas.
We also have a Cover for Skiing without a guide.
6. What is the difference between off-piste and backcountry?
This depends on where you will be skiing/snowboarding in Europe or the USA / Canada, as all resorts differ due to terrain and resort boundaries.
Off-Piste: Skiing on slopes unmarked and ungroomed within resort boundaries that are considered safe by resort management, where ski lifts and emergency services are easily accessible and end back at a ski area lift (covered under the JS Travel Insurance policy).
Backcountry: Skiing on unmarked and unpatrolled terrain, outside of resort boundaries where there are no ski lifts at present, and the snowpack is typically not monitored; Ski Touring and Heli skiing fall under the backcountry skiing category (not covered under this policy).
However, we do cover Backcountry Skiing Here.
7. If I am doing an Avalanche Safety Course, does this policy cover my prepaid activity course fees if I cancel my trip due to sickness and health?
No, this policy would not cover any prepaid activity course fees. However, our provider, Adventures, can hide this under the cancellation section of their approach up to £5,000, Part B only, Get a Quote.
Are you looking at taking part in Avalanche Safety Courses?
8. Will I be covered for Ski Touring on this policy?
No, this policy will not cover this. Ski Touring is Skiing / Snowboarding in the backcountry on unmarked and unpatrolled runs outside of resort boundaries.
If you plan on ski touring, then please Get a Quote.9. Will I be covered if I go off-piste without any Avalanche Safety Equipment?
You are advised to follow the guides and instructors' proper safety guidelines and regulations.
Most reputable guides/instructors will go through an avalanche briefing on the morning of your off-piste day (s), which will include the following:
- Weather Conditions
- Terrain
- Resort update - Piste closures
- Avalanche equipment
- And much more.
Here are five main Avalanche Safety Products you should always carry/wear when Skiing off-piste:
- Avalanche Transceiver
- Avalanche Shovel
- Avalanche Probe
- Avalanche Airbag or Technical Ski Backpack
- Recco Reflectors
You can purchase these items through our website, www.snowsafe.co.uk
10. Does this policy cover my ski equipment in transit or storage?
This policy will cover your ski equipment in transit or locked storage for theft or damage. All schemes will cover you for Activity Equipment up to £1,500 with a Single Article Limit (pair of) up to £750
11. Will local Search and Rescue Services retrieve you if you go off-piste?
Search and Rescue are covered under this policy as long as you have been located with a guide/instructor.
12. If I am already in the ski resort, can I purchase Off-piste insurance while there?
Yes, if you plan on going off-piste Skiing whilst you are already away, we can cover you via our provider, Adventures, as long as you can confirm you have no pending claims.
Off-piste skiing / Snowboarding (with a Guide)
Before you go Off Piste Skiing or Snowboarding with a Guide, research this and check with the Resort website for further details.
This type of Skiing or Snowboarding is done with an experienced Guide in the backcountry in unmarked or usually unpatrolled areas; there are no groomed trails, which adds an aspect of adventure to the descent.
This also makes it much more dangerous, for there may be hidden rocks, patches of trees and other obstacles that should be avoided.
Pre-Existing Medical Conditions
Suppose you have been Off Piste Skiing / Snowboarding before and may have had an injury or accident while participating in Off Piste Skiing / Snowboarding. In that case, you must declare this when purchasing a policy.
We have several providers who can offer travel insurance, including Off Piste Skiing / Snowboarding and if you have a pre-existing medical condition.
