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Help - Frequently Asked Questions

FAQs

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Activities recognised and therefore covered via your liability insurance are:

  • Alpine - Super G, Giant Slalom & Slalom.
  • Nordic - Cross-country (Classical & Skating), Roller Skiing, Telemarking/ Nordic downhill, Biathlon, Ski Orienteering
  • Snowboarding - Freestyle, Big Air, Half Pipe, Slopestyle, Boardercross, Slalom, Airbag
  • Freestyle - Moguls, Aerials, Half-Pipe, Slopestyle, Skicross, Airbag
  • Including recreational skiing and snowboarding.

Please note the liability insurance excludes Tubing and Ski Mountaineering.

In respect of personal accident and travel additional restrictions apply.

Yes, there is cover for Off-Piste activity within the liability policy. The following condition applies.

Off-piste shall mean areas of snow that are not part of any marked or maintained ski runs both within and outside a resort boundary.

UK Coverage

The policy will include liability arising from any snowsports activities undertaken in off-piste areas within the UK, where the activity is led or conducted by a qualified member that holds an appropriate off-piste leadership or snow safety qualification awarded by the National Governing Body. [NZ1] [OB2]

EU Coverage

The policy will include liability arising from any snowsports activities undertaken off-piste within the resort boundaries only, within the EU, where the activity is led or conducted by a qualified licenced member that holds an appropriate off-piste leadership or snow safety qualification recognisedawarded by the National Governing Body. This is also subject to operating within the scope of local regulations and legislation.

This Policy also excludes any liability arising directly or indirectly from any Snowsport activities taking place on any glaciated terrain.

An increased excess of £2,500 will apply to any losses arising from or in connection to off-piste activities.

In respect of personal accident and travel additional restrictions apply. Please see the conditions applied in the personal accident and travel FAQs.

No, the cover is only in place for those activities recognised by Snowsport England.

Activities involving non-members are not covered unless part of a taster session of a recognised Activity or Discipline. Non-members can participate in up to three 'Taster' sessions. On their fourth session, the non-member would need to register as a member to benefit from liability insurance.

A taster session would be a session aimed at beginners with the aim of introducing them to the sport or club. This would not be a competition or race. It can be a tailored taster session where all participants are trying out the sport, or a normal club session where the non-member participates alongside members.

The club or organiser should record the contact details of each non-member and the dates of their taster sessions and retain this information for three years.

Overseas members (non-residents of the United Kingdom) are covered under the liability policy for their snow sport participation which is recognised by Snowsport England.

For personal accident, the cover is available to overseas members.

For travel insurance, no cover is provided to overseas members.

The Liability Policy protects the club and its registered members for allegations of negligence should they injure other members or members of the public. If the spectators are injured as a result of your clubs or its member's negligence they have the right to bring a liability claim against you. However, if a spectator injures themselves at an event and there is no negligence attaching to the club or its members there is no automatic payment to the spectator.

Public Liability Insurance covers the cost of legal action and compensation for claims made against you where a third party alleges you are responsible for their injuries or damage to their property

Personal Accident cover provides a set financial payment in the event of an accidental injury, such as death, permanent disability, physiotherapy, dental expenses, etc.

The 'geographical/territorial' limits on the liability policy is where you can participate in Snowsport activities which is covered anywhere in the world. In layman terms, this means that you can train, participate and compete in recognised and approved Snowsport England activity, worldwide. The 'jurisdiction' is where an allegation/claim can be made against you or your club. In layman terms, this means the country in which a solicitor can be appointed, to try and sue you, if a third party feels you/ your club are deemed negligent. The territorial/ jurisdictional limit on the policy is United Kingdom.

For personal accident, the territorial limits are Worldwide.

For travel insurance, the territorial limits are Europe.

Marsh Sport can provide a travel quotation for trips outside of Europe if required. Please click here for more information.

There aren't any age restrictions on the liability insurance, however we stipulate that participation in all activities must be in accordance with the rules & guidelines of Snowsport England. As such if there are any age restrictions imposed by Snowsport England for certain disciplines, then these must be adhered to.

For personal accident and travel insurance, the age limit is 75.

Yes, the Sportscover Liability policy will defend claims made against you for negligence. Please note any claims relating to deliberate or criminal acts are excluded.

There is a statute of limitation for an injured party to bring a claim for injury against. Usually 3 years or if they are a child up to 3 years from their 18th birthday. This however can be reviewed by the courts dependant on the circumstances. It is imperative however that you notify any circumstance which may give rise to a claim as soon as you are aware of it.

We would recommend that a designated person within your club is made responsible to record any reportable accident/incident. Records must be kept for at least 6 years, and longer where it involves a person under the age of 18 years. Names and addresses of any possible witnesses should also be recorded. Please ensure your club has an accident book to record all such information. In respect of Safeguarding allegations records should be kept indefinitely.

Yes, ski guides and ski pilots are covered by liability insurance for the work they do with visually impaired and/or disabled participants.

For clarification, a full list of the Snowsport England licensing awards and the remit of each award can be found here.

The maximum income allowed per coach is £35,000 per year. If you exceed this, you will need to take out your own policy. For a quote please contact Marsh Sport on 0345 872 5060 or email: marshsport@marsh.com

Yes. Providing you do not have any employees and your turnover is less than £25,000 then you are covered via the master liability policy arranged by Snowsport England. If you are a Snow School that operates as a limited company, with staff, you must obtain separate insurance. For a quote please contact Marsh Sport on 0345 872 5060 or email: marshsport@marsh.com

Risk management is key when defending a claim and will need to be evidenced in the event of an incident. As such it is imperative that you undertake a risk assessments for all club activities.

If the club is unincorporated, the officer (and its members) could be liable for any and all financial losses incurred by the club. The Directors and Officers insurance is provided to support you for claims in this area, for allegations which may come against the officer whilst undertaking their role.

If the club is incorporated the directors may still find themselves personally liable and therefore Directors & Officers Insurance is essential. Please note this is a different type of cover to Professional Indemnity, which is a form of liability insurance which helps protect professional advice given by your club this is also known as errors and omissions cover - this is also provided as part of the Snowsport England Insurances.

Providing the activity does not require any specialist training, qualification, experience or equipment that is not recognised by Snowsport England then social activity is covered involving affiliated club members.

Examples of recognised social activities would include Award Dinners and BBQ's.

If you are unsure whether your social activity is recognised, please contact Marsh Sport on 0345 872 5060 or email: marshsport@marsh.com

Social activities and associated entertainment involving non-members such as Birthday Parties are not covered.

a. Cover for Downhill Racing/training in Alpine racing is excluded.

b. Speed Skiing is excluded.

c. Off Piste Heli Skiing is excluded.

d. Off piste cover only applies when the avalanche risk is 3 or lower.

e. Cover only applies in areas that are within resort boundaries.

f. Cover only applies when off piste is reached from the lift network and NOT via ski touring / skins / snowshoes / other means.

g. Cover only applies when operating within local laws and regulations regarding use of safety equipment.

h. Cover only applies when operating within local laws and regulations regarding mountain access / closure.

i. Cover only applies when operating within any local advice e.g. from ski patrol.

For personal accident and travel insurance, the age limit is 75.

We stipulate that participation in all activities must be in accordance with the rules & guidelines of Snowsport England. As such if there are any age restrictions imposed by Snowsport England for certain disciplines, then these must be adhered to.

The 'geographical/territorial' limits on the policies are where you can participate in Snowsport activities and where cover applies.

For personal accident, the territorial limits are Worldwide.

For travel insurance, the territorial limits are Europe. This is geographic Europe rather than just restricted to European Union countries.

Marsh Sport can provide a travel quotation for trips outside of Europe if required. Please click here for more information

Overseas members (non-residents of the United Kingdom) are covered under the liability policy for their snow sport participation which is recognised by Snowsport England.

For personal accident, the cover is available to overseas members.

For travel insurance, no cover is provided to overseas members.

The travel cover available under Black membership automatically includes one trip up to two weeks long. There are options to add additional trips as follows:

  • One additional trip up to 14 days: £45 per person
  • One additional trip up to 28 days: £70 per person
  • Multiple additional trips within a 4 month period: £275 per person

The trip definition is:

  • Whilst an Insured Person is on an authorised journey which begins during the Period of Insurance and commences from the time the Insured Person leaves their home, or if later their place of business, continuing during the entire period of the journey and terminating at the time of return to their home, or if earlier their place of business.

The additional purchase options are based on trips, rather than the maximum time allowed. For example two 7 day trips would be purchased as two additional trips. The exception is the 4 month option which allows multiple trips within the 4 month period which starts with the first trip.

Please email insurance@snowsportengland.org.uk detailing the start date and end date of the period you intend to travel to secure your travel insurance in Europe. This must be submitted and paid for prior to departure for cover to be in place.

 

No, it only covers skiing and snowboarding related travel.

There are no disability or medical declarations that need to be made to the insurer. 

No, cover will need to be in place before the trip has commenced.

Get in touch

Please do not hesitate to contact our specialist sports insurance team and we will be happy to help. Our office hours are Monday - Friday, 9am - 5pm (we are closed on bank holidays). 

Request a callback 0345 872 5060