I will be travelling as
Individual means a single person resident in the UK and under 65 at the
commencement of the Period of Insurance.
Couple means two individuals resident at the same UK
address for not less than six consecutive months at the commencement of the Period of
Insurance. Includes same sex partners.
Single Parent means an individual with up to 4
dependents aged up to 18. Dependents over 18 require their own policy.
Family means a couple with up to 4 dependents
aged up to 18 who reside with them and are in full-time education. Dependents over 18
require their own policy.
I will be travelling to
Europe means: Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium,
Bosnia-Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark (including FaeroeIslands),
Egypt, Estonia, Finland, France (including Corsica), Georgia, Germany,Gibraltar, Greece (including
Greek Isles), Hungary, Iceland, Ireland, Italy (including Aeolian Islands, Sardinia, Sicily), Latvia,
Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Morocco, Netherlands, Norway
(including Jan Mayen, Svalbard Is), Poland, Portugal (including Azores, Madeira Islands), Romania,
Russia (European), San Marino, Serbia/Montenegro (including Kosovo), Slovakia, Slovenia, Spain (including
Balearic Islands, Canary Islands), Sweden, Switzerland,Tunisia, Turkey, Ukraine, United Kingdom (including
England, Scotland, Wales, Northern Ireland, Channel Islands, Hebrides, Isle of Man, Isle of Wight, Orkney
Is, Shetland Is) and Vatican City.
Australia and New Zealand means: Australia and New Zealand including brief stop-overs
for flight changes in Worldwide countries including United States and Canada
Worldwide means: All countries worldwide including the United States and Canada.
What is the definition of Off Piste?
Off-piste is defined as venturing over ungroomed and unmarked slopes but within the ski area or resort boundary, i.e the area covered by ski patrollers or managed by the resort. Most resorts designate off-piste areas but if you are uncertain about a particular area, do not go there.
Some people understand off piste (or backcountry) skiing or boarding to mean ‘going out of bounds’, i.e. outwith the resort. If you are going out of bounds or outwith marked areas of the resort, you must only do so with a fully qualified local guide. Even some areas within a resort may be considered out of bounds because they are hazardous. In some parts of North America, going out of bounds contravenes local law and you may face arrest.
It is your responsibility to ensure that on any particular day you are aware of and obey local advice, information and instructions given by the resort authorities and that you obey any signs and information you encounter on the mountain. If a section is marked 'closed' there will be a very good reason for it (e.g. high avalanche danger) and ignoring such signs or advice may invalidate your cover. You should be aware that under the terms of cover, needless self-exposure to peril except in an endeavour to save human life may invalidate your cover.
Will I automatically get Helicopter Rescue?
Ski patrollers are generally very well trained and experienced at assessing injuries and managing the evacuation of the injured person off the mountain and to hospital in the manner most appropriate to the injured person's condition. They decide what is appropriate for the circumstances regardless of who insures you. Serious cases often involve helicopters but, more often, a combination of sled and ski lift is more immediate and appropriate. Other factors such as weather are also taken into account. Again, it is not uncommon to be asked for proof of insurance whilst on the mountain.