Where Can I Get The Best Snowboarding Insurance?

Snowboarding insurance might sound boring, but it’s one of those things you really do need to sort out...

Snowboarding insurance – it’s a pain but you need it. Photo: iStock

Snowboarding insurance is one of those things that no one ever wants to buy, but you will never know when you really need it.

I once heard about a friend of a friend who was snowboarding off-piste with mates. He fell and broke his leg miles away from the main slopes before realising he didn’t have any insurance. In France, most insurance won’t cover you if you injure yourself off-piste.

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This poor guy to be carried to the piste by mate while another friend rode down to the bottom, bought his a carte neige (a cheap pass that will cover your ski patrol trip down the mountain), rode back up to him and then waited a sufficient amount of time before calling ski patrol. He was left with a fairly hefty medical bill afterwards. Nightmare huh?

Moral of the story: always buy snowboarding insurance. You can get it for as cheap as £20 for a single trip to Europe. It’s a no brainer right?

You need snowboarding insurance, just in case this happens… Photo: iStock

Here’s some of the boring stuff you need to know before you go:

  • If you have any medical conditions you need to declare, it might make your snowboarding insurance more expensive
  • Most winter sports insurance covers snowboarding, of course, but won’t necessarily cover you off-piste
  • If you are doing a season, you’ll need special seasonaire insurance – see our ski season section below


Most snowboarding insurance won’t cover you off-piste unless you are with a qualified guide. We all know that majority of those snowboarding off-piste won’t be with guides. If you know you are going to be off hunting freshies, try one of these companies for a good insurance deal.

Ski Club Of Great Britain

Ski Club of Great Britain offer winter sports insurance which covers skiing and snowboarding off-piste without a guide, plus Ski Club members get 15 per cent off.


ERV are another great company that offer snowboarding insurance for anyone venturing off-piste – whether that’s within resort or in heli-boarding in the backcountry.


MPI have been offering winter sports insurance for years. The best part about their policies is they don’t differentiate between on or off-piste in their policies, you are covered for both.


Snowcard have different levels of insurance depending on whether you are going off-piste or not. Make sure you get their Max Adventure, Extreme Adventure or Pro Adventure package to be covered off-piste snowboarding.

Dog Tag

Dog Tag cover a range of extreme sports. Snowboarders are covered off-piste within resort under their basic Sport policy but if you want to go out of resort boundaries, you will need their Extreme package.

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There is specific insurance for snowboarding off-piste. Photo: iStock


Seasonaire insurance is a little trickier. Most winter sports multi-trip policies only cover you for a certain number of days – often between 30 and 60 days per year. This obviously isn’t enough if you are snowboarding most days for five months.

You need to get yourself seasonaire insurance which will cover you for the whole of the winter season, but sadly it’s a bit more expensive than your average travel insurance.

ERV offer a great ski season insurance policy which covers you for basic snowboarding injuries as well as off-piste if you buy one of their Adventurer/Pro packages.

Use  “NATIVES15” in the marketing code box at checkout and you’ll save 15 per cent on your final price.

It’s also a good idea to invest in a snowboarding helmet. Just sayin’.

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Carte Neige is a good add-on to regular snowboarding insurance. Photo: iStock


If you have been skiing or snowboarding in France, you’ll probably have heard of the Carte Neige. It costs €35 from the list pass office and covers you off-piste, right? Well not quite….

A Carte Neige covers your transport off the mountain, for example if you injure yourself and the ski patrol have to take you down in a bloodwagon. They will drop you at the doctor’s surgery. After this, however, your Carte Neige can’t help you at all – so it won’t cover you for your medical treatment fees or doctor charges. So it’s basically just a top-up to your existing travel insurance.

Natives have got a great guide about the Carte Neige here with a few Q+As in case you are still confused.

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