Off Piste Skiing Insurance
Specialist cover for off-piste skiers and ski tourers
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Emergency medical expenses
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Search and rescue
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Cover for ski equipment
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What does off-piste skiing insurance cover?
Off-piste skiing insurance is designed for skiers venturing beyond marked runs, from a single day on the mountain to a longer ski touring holiday.
Bringing together specialist off-piste sports cover with relevant travel insurance helping protect you against both activity-related risks and unexpected disruption to your trip.
Our complete off-piste ski travel insurance can cover you for emergency medical treatment and repatriation, trip cancellation and curtailment, baggage and personal effects, personal accident, personal liability, and more.
Specific to off-piste skiing this cover can also include ski equipment, activity fees, search and rescue, and protection in certain circumstances involving resort closure due to a lack of snow or avalanche disruption.
Alternatively, our off-piste bolt-on can extend your existing policy to cover short-term participation and can even be added after your trip has started.
Make sure you select every skiing discipline and activity you plan to take part in when getting a quote.
Our policies provide three different types of cover: Sports travel insurance, Sports accident, and Activity Top-Up. Please ensure you select the most suitable cover for your activity, when you get a quote and always review your policy documents.
Sports equipment is excluded under our bolt‑on cover.
Only a summary of the policy’s coverage is presented on this page. Please refer to policy documents for full details of what is and what is not covered, when you get a quote.
How much does off-piste skiing insurance cost?
Your off-piste ski insurance premium is shaped by several key factors, including your age, destination, the length and frequency of your trip, and the level of cover you choose.
If you’re travelling with avalanche safety gear, touring equipment or high-value skis and snowboards, additional protection for specialist winter sports equipment may also affect the cost of your policy.
Be aware that rescue services, evacuation and hospital treatment can quickly run into thousands of pounds.
Review the off-piste ski insurance example and get a quote tailored for your off-piste activity.
Pricing example
£29.07**
Example quote is based on:
- Sport Selected Off-piste skiing, & Skiing
- Sports Group Group 5
- Package Bronze
- Policy Single Trip Travel Policy
- Duration 2 days
- Destination Europe
- Emergency Medical Treatment £10,000,000
- Trip Cancellation £1,000
- Sports Equipment Cover £200
- Search and rescue £15,000
- See more benefits when you get a quote
**This example is based on a real quote from our website on 26/08/2026 for a 2-day, single trip, adult policy. It is shown for illustrative purposes only. If your circumstances or requirements differ, your quote may be higher or lower. The quote you receive will be based on the information you provide about your activities. Get a quote for pricing tailored to your requirements.
Why you need off-piste skiing travel insurance
Off-piste risks can be more costly
Accidents off-piste may require specialist rescue and emergency medical treatment.
Specialist equipment needs protection
Touring skis, avalanche safety gear and other expensive kit may need sport-specific cover.
Mountain disruption can affect your plans
Severe weather, transport delays and missed departures can quickly disrupt an off-piste skiing trip.
Our experts explain why…
“Off-piste skiing can offer a more adventurous way to experience the mountain, but it also comes with added risks, from changing snow conditions and poor visibility to more remote terrain.
Good preparation is essential. You should follow local safety advice, use suitable equipment and never ski off-piste alone, as you will not be covered when skiing solo.
Our off-piste skiing insurance can help with emergency medical expenses, search and rescue costs, cancellations, delays and other unexpected expenses if your trip does not go to plan.
With more than 30 years’ experience supporting active travellers, we can help you explore beyond the marked slopes with the right protection in place.”
Chris Trotman – Head of Sales & Underwriting at SportsCover Direct
Thousands rate how easy it is
We’ve refined our process to make buying sports insurance abroad simple but thorough, with cover designed around the activities you take part in, from training trips and competitions to active holidays overseas.
Our Claims Record
Average pay out for each insurance claim
£1,599.09*
How to make a claim
Choose your policy, find the forms you need
Download and complete forms
Submit your claims for review
A Recent Claim Example
“One of our policyholders became unwell while in South Africa to play Cricket. They sought medical treatment and were treated for suspected appendicitis, with symptoms of stomach cramps, high fever and nausea. Because they secured our Sports Travel Insurance, they were covered to seek medical treatment.”
Total Paid Out
£5,971.47
Claim Type
Medical Assistance
Policy Type
Sports Travel Insurance
Incident
Medical assistance
Policy Excess Applied
£90.00
Location
South Africa
Disclaimer
*Data relates to all SportsCover Direct Insurance claims from Jan to Dec 2025 inclusive. Claim example from 2025.
Medical cover explained
We provide cover that considers your medical circumstances. Complete a medical declaration to ensure you’re properly protected, as part of the quotation process.*
*Please note, just because you’ve declared a medical condition or injury doesn’t mean it is automatically covered. The insurer needs to assess it first and will inform you by email if any terms apply.
Medical conditions must be declared
All pre-existing conditions considered
Cover available up to age 74
We'll review your details
Most declarations don't mean exclusion
Any terms will be confirmed by email
Browse covered sports and activities
You’ll find a wide range of winter sports activities covered, you can add multiple activities to your policy, we cover over 500. Browse our extensive list.
- Cross Country Skiing Insurance
- Curling Insurance
- Dog Sledding Insurance
- Glacier Walking Insurance
- Heli Skiing Insurance
- Ice Hockey Insurance
- Ice Skating Insurance
- Lapland Travel Insurance
- Off Piste Skiing Insurance
- Ski Insurance
- Ski Racing Insurance
- Ski Touring Insurance
- Snow Shoeing Insurance
- Snowboarding Insurance
- Snowmobiling Insurance
- Winter Sports Insurance
Why choose us
SportsCover Direct is a specialist insurance provider focused entirely on sport. For over 30 years, we’ve helped athletes, teams and organisations get the protection they need, whether they’re travelling, competing, or training abroad or in the UK.
Covering 500+ sports
Fast online quotes
Established over 30 years
UK-based support team
FAQs
Our ski insurance for off piste activities will cover you in the event of an avalanche for search & rescue and emergency medical expenses and repatriation costs providing you are following local advice and information provided by the resort authorities and are accompanied by another person.
Yes, specialist sports equipment is covered under our off-piste ski insurance for loss or damage to your own equipment or equipment hired to you.
Our policy covers you in the event you need search and rescue teams, provided you have taken reasonable precautions. However, we limit this up to £5000 for a helicopter call-out, and an applicable excess of £750 will be applied.
Yes, our Off Piste Skiing Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.
You do not need a guide to be covered under our off-piste ski insurance, however we do require you to be following local advice and information provided by the resort authorities and be accompanied by another person who can raise the alarm in the event of an accident (this does not need to be a guide).
No, to be covered under our off-piste ski insurance policy while you are off piste you must be accompanied by another person who can raise the alarm in the event of an accident (this does not need to be a guide).
Yes, our off-piste skiing insurance includes the use of helicopters and aircrafts in emergency medical situations, for search & rescue and repatriation where necessary.
However, we limit this up to £5000 for a helicopter call-out, and an applicable excess of £750 will be applied.
We cover over 500 different sports. Simply add the additional sports you want to include on your policy when you request a quote.
Our policies will cover anyone up to the age of 74 at the time of purchase. An applicant aged 75 or over cannot be covered.
Off piste skiing is to ski on terrain sitting outside of the piste markers and therefore ‘off track’.
Our Sports Travel Insurance policy provides up to £5,600 worth of equipment cover as an optional add-on. This not only protects your equipment but also any gear you hire during your trip. It also covers your skiing equipment in transit to and from your destination.
Get specialist cover in minutes
Covering over 500 sports with quick online quotes and UK- based support, if you need it.
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