ESTC - handbook

The Edinburgh Ski Touring Club

Insurance

As a member of the ESTC, when you ski and participate in the outdoor activities the club supports you will be covered by the Civil Liability cover provided through the club's affiliation to the Mountaineering Council of Scotland (MCofS). Details of this insurance can be found on the Civil Liability Insurance for Individual Members page of the MCofS web site.

However, this insurance provides neither cover for accidents to the club member themselves nor to any costs involved in loss of kit or cancellation of bookings. For all exclusions, please refer to the MCofS website.

Other insurance polices

The British Mountaineering Club has arranged insurance cover for members engaging in off-piste touring and mountaineering activities, you can choose the period of cover but annual cover offers good value if you are away more than once. For more detail see the Travel Insurance page on the BMC web site.

Snowcard also offer good range of policies for skiing, mountaineering and watersports. In particular, they have specialist policies for telemark, ski mountaineering and ski touring. This includes off-piste without a guide, travel in remote areas and on glaciated terrain. Brochure (pdf).

The Ski Club of Great Britain travel insurance covers skiing, snowboarding, off-piste without a guide, snowparks and many other winter sports.

American Express and Visa, amongst others, offer annual travel insurance. This may be enough to cover the risks, but read the small print carefully. Many policies have restrictions on off-piste and ski mountaineering. Remember, if you ski in America you will need much higher levels of cover.

You may be covered under your Personal Possessions Home Contents for kit loss, but you should check. Bikes are often limited to £450 unless specific declarations are made.

Finally do not forget to carry your European Health Insurance Card with you when you are ski-ing in countries with reciprocal health cover with the UK.

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