Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
Hey there adrenaline junkie - so even the black runs are too tame for you hey? If you're planning on getting gnarly on the slopes, check that your planned activities are covered before you go hitting that untouched powder!
Most insurers offer cover for recreational skiing and snowboarding when you’ve bought a ski insurance policy, but even for the most experienced riders this doesn’t always mean you are covered for skiing off-piste, cross country, or backcountry. This also includes higher risk winter sports activities like heli-skiing, cat-skiing, snowmobiling or lugeing.
Skiing (or snowboardng) off-piste is when you are skiing in ungroomed and unmarked slopes or pistes, including skiing in unmarked or unpatrolled areas, either inside or outside of ski resorts boundaries.
Lucky for you thrill seekers, there are a few companies that cover for off-piste activities, but you generally have to be within resort boundaries with a professional instructor.
NOTE: This doesn’t mean your best mate who has been working in a bar for the past five ski seasons and thinks he’s/she’s a pro. This means an instructor that has undergone training and is the holder of a backcountry security award and a holder of the backcountry and mountain safety qualification.
**Click on the ticks for more information**
|Insurer||Off-Piste Cover||Underwriter||Buy Now|
|1Cover||Cover for off-piste skiing within resort boundaries when you purchase their Ski insurance||Certain underwriters at LLoyd's|
|AAMI||Cover for off-piste skiing given it is not competitive or professional||AAI Limited|
|Budget Direct||Cover for off-piste skiing with a professional snow sport instructor/guide only when you purchase their Snow Sports Cover||Auto and General|
|Columbus Direct||Cover for off-piste skiing that is away from the piste within the resort boundaries with a qualified guide and not against local authority warning/advice when you purchase their Winter Sports Cover||Certain underwriters at LLoyd's|
|Easy Travel Insurance||Covered without restriction when you purchase their snow sports package||Zurich Australian Insurance Limited|
|Fast Cover||Cover for off-piste skiing within the boundaries of a resort||Hollard Insurance Company Pty Ltd|
|Insure4Less||Cover for off-piste skiing when you select the off-piste option when purchasing their Skiing and Snowboarding Travel Insurance policy||Berkshire Hathaway Specialty Insurance Company|
|InsureandGo||Cover for off-piste skiing with a professional snow port instructor when you purchase their Winter Sports Cover||Mitsui Somotomo|
|Kango Cover||Cover for off-piste skiing where a commercial operator is present, is available to the general public, not considered an extreme risk, no special skills or high levels of fitness are required (please see page 24 of their PDS)||Certain underwriters at LLoyd's|
|No Worries Insurance||Cover for off-piste skiing within resort boundaries when accompanied by a professional guide. Activity must not be against local authority advice/warning.||Chubb Insurance Australia Limited|
|QBE||Only covered when you purchase their snow sports package.||QBE Insurance Limited|
|Simply Travel Insurance||Cover for off-piste skiing within resort boundaries when you purchase their Ski insurance.||Certain underwriters at LLoyd's|
|Ski-Insurance||Cover for off-piste skiing||Certain underwriters at LLoyd's|
|Sure Save||Certain underwriters at LLoyd's|
|Tick Insurance||Cover for off-piste skiing with a professional instructor/guide given they are available to the general public, not considered extreme risk and do not require special skills or high level of fitness to undertake.||Mitsui Somotomo|
|Travel Insurance Direct||Cover for off-piste skiing within resort and terrain park boundaries on groomed or ungroomed runs and marked trails which are patrolled or monitored by resort authorities when you purchase their Snow sports and activities option.||Certain underwriters at LLoyd's|
|World Nomads||Cover for off-piste and out of boundary skiing with package #3||Certain underwriters at LLoyd's|
|Zoom Travel Insurance||Cover for off-piste skiing within resort boundaries withj a licensed instructor only when you purchase their Ski insurance||Certain underwriters at LLoyd's|
Are you entering a competition looking for professional ski insurance? Whizz over to our pro-ski guide for more information.
Like all insurance policies there are terms and conditions you need to be aware of. So even with the appropriate ski cover, exclusions will still apply. For example you wouldn’t be covered for skiing/snowboarding off-piste if:
So powderhounds, regardless of whether you're going to Thredbo or Chamonix it's really important to read your insurers policy documentation (known as the Product Disclosure Statement) to make sure you understand when you're covered, and when you're not. A slip on the slopes can be VERY costly, so it pays to know your conditions of cover before you hit the slopes.
You can use our site to compare ski insurance quickly and easily. We’ve got heaps of quotes so you can find the right policy for your needs and budget.
So what are you waiting for? Compare our ski quotes now and save yourself time, worry and loads of money!