[Closed] Current MTB/Ski travel insurance de jour?

We have had an annual one with Yellow Jersey for the past few years after the major ones started getting very expensive due to age. Just renewed it and it now has a COVID 19 exemption in it.
Ours is Europe and daughters is world wide.
I only know one person who has had to claim with them for some injuries after MTB crash in Chile and it was dealt with prompt and first class.

Thanks Tracey - was just looking at them... £90 for annual policy (there or thereabouts) including ski...

Be careful to check if it covers lift served MTB and what the position is on off piste skiiing without a guide (if that is applicable).

I found one that covered MTB, but had some nasty ski getouts, and one that covered skiing well but didn't like lift served MTB. In the end we paid £400 for family European cover, which I thought was astronomical.

If you find cheaper, let me know...

Yellow Jersey:

Wintersports does not include: Freestyle skiing, ....
off-piste skiing or snowboarding in areas designated as unsafe by resort
management, off-piste skiing or snowboarding where there is an avalanche
warning in place,

Which makes the policy pretty much worthless IMHO.

Ours is done mainly for MTB activities of which we are covered, and the odd snowboarding holiday

This is from our latest policy document if it helps

SECTION H - WINTER SPORTS
Cover under this section and H1-H5 only apply on annual multi-trip policies, for up to 17 days in total during the period of insurance
providing you are aged 74 years or under.
Special conditions relating to claims under this section
1 You must give us written notice of any incident which may result in a claim as soon as possible.
2 You must send us every writ, summons, letter of claim or other document as soon as you receive it.
3 You must not admit any liability or pay, offer to pay, promise to pay or negotiate any claim without our permission in writing.
4 We will be entitled to take over and carry out in your name the defence of any claims for compensation or damages or otherwise involving
any third party. We will have full discretion in the conduct of any negotiation or proceedings or in the settlement of any claim and you will
give us all information and assistance which we may require.
5 If you die, your legal representative(s) will have the protection of this cover as long as they comply with the terms and conditions outlined in
this policy.

Air boarding
Big foot skiing
Blade skating
Bobsleigh 1, 3
Cross country skiing (recognised
paths)
Curling
Downhill skiing/snowboarding
Dry slope and dry rope skiing/
snowboarding
Glacier skiing/walking
Husky dog sledging (organised,
non-competitive with local driver) 2
Husky dog sledging 1, 2, 3
Ice cricket
Ice go karting 1, 3
Ice hockey
Ice skating
Ice windsurfing
Kick sledging
Kick sledging 1
Langlauf
Luging/tobogganing 1, 2, 3
Mono-skiing

Nordic skiing (recognised routes)
Ski blading
Ski randonnee
Ski run walking
Ski swimming
Ski touring
Skiing/ski boarding on piste
Skiing/snowboarding off-piste in
areas outside of the boundaries of
a recognised resort 1, 3
Sledging
Sleigh-riding as a passenger
pulled by any animal 1, 3
Snow blading
Snow shoe walking
Snow shoeing
Snow tubing 1, 3
Snow zorbing
Snowboarding off-piste with a
guide 1, 3
Snowcat Skiing 1, 3
Snowmobiling/skidooing 1, 3
Winter walking (using crampons
and ice picks)

Note
The restrictions marked against the list of covered winter sports
activities opposite are as follows:
1
Cover under Section G - Personal liability is excluded.
2
Cover under Section C - Personal accident is excluded.
3 Cover is excluded unless within organisers guidelines and as part
of an organised activity led or instructed by professional guides or
licensed organisers and all claims will be subject to three (3) times
the standard policy excess.
4
Cover is excluded when racing.

Ski Club of GB policy is pretty good I think, covers off piste with & without a guide and includes MTB cover by the looks of things.

Thanks for the head's up again - i think before i buy anything i will give them a call to check - i once had insurance years ago that covered MTB, but not on 'vertical tracks' - the poor person in the call centre couldn't explain what on earth that was supposed to mean... 😅

We always ring and check, even when we are renewing

This may help, from our latest

Acceptable sports and leisure activities
The following activities are automatically included within the cover
when participating on a non-professional basis:
Acceptable cycling based activities
• BMX racing (recognised track only);
• Cycle touring (including electric bicycles);
• Leisure cycling (including electric bicycles);
• Mountain biking (all mountain, cross country, downhill, enduro,
freeriding, marathon and trail riding);
• Road cycling (charity events, criterium racing, Gran Fondo,
racing, sportive, time trialling and training holidays);
• Track (cycling and racing);
• Triathlon / Duathlon (half Ironman distance, Ironman distance,
olympic distance, sprint distance and training holidays)

So gravel riding's not covered? 🙂

Am currently trying to sort some insurance out for our (fingers crossed) trip to the Alps in August, but multi-trip with skiing would be nice.

Yellow Jersey looks promising - any other companies to look at?

Ski club looks decent, but gets very expensive if you want "downhill MTB" rather than just MTB.

Yellow Jersey looks promising – any other companies to look at?

Ski club looks decent, but gets very expensive if you want “downhill MTB” rather than just MTB.

That's exactly what I was saying above, Yellow Jersey looks great for MTB, but is pretty much useless for skiing and boarding.

Ski club might be great for skiing, but as you say, puts downhill mtb in a high category....

As above you need to confirm that what you are wanting cover for is covered. The only way to ensure that is with a conversation preferably followed in an email confirmation.

That,s what we had to do with Abigale for the MTB part when we first took it out and every year since.

If you are wanting to do something extreme its always worthwhile checking be it MTB or winter sports.

In our case it covers what we want to do but each individual will be different and might have to tailor the cover to suit.

I use dogtag for my alps trips