Insurance
Everyone participating in club activities must be aware of the hazards and risks associated with skiing, ski touring and mountaineering. You must accept these risks and ensure that you maintain appropriate and adequate insurance cover for the activities you are undertaking.
Edinburgh Ski Touring Club Participation Statement
Mountaineering Scotland Liability Insurance
Edinburgh Ski Touring Club is affiliated to Mountaineering Scotland. All members of Edinburgh Ski Touring Club with a UK or Republic of Ireland address benefit from the Mountaineering Scotland combined liability insurance. Detailed information on this insurance, what’s covered and what’s not covered is available here:
Any activities not listed in these documents are not insured under the policy.
Importantly
Skiing on piste and lift-assisted off-piste skiing are not covered, except in the context of a ski tour.
Skiing on dry slopes or indoor slopes is also not covered. Neither is nordic track skiing.
These excluded skiing activities can, therefore, not be recognised ESTC activities. If ESTC members partake in excluded activities on club meets, e.g. piste skiing, they will do so as individuals at their own risk and will need to make their own liability insurance arrangements. Options may include individual membership of Snowsport Scotland, Ski Club of Great Britain or Austrian Alpine Club.
Please do not assume that your household insurance will cover your skiing accidents.
The Mountaineering Scotland liability insurance does not provide personal injury cover. It is not a travel policy either and does not cover search & rescue, repatriation or medical costs.
It is your responsibility to arrange the appropriate insurance cover required for the activities you are undertaking. And, yes, you really do need to read the small print!
For example, while travel insurance policies do cover personal liability, both British Mountaineering Council (BMC) and Snowcard insurance policies contain clauses excluding cover for liability to travelling companions. This means that member-to-member liability on club meets is excluded. As another example, the Austrian Alpine Club Worldwide Rescue and Repatriation Service limits medical treatment costs abroad to €10,000. On its own, this would be inadequate, but might work in combination with an EHIC or GHIC. You can also increase the medical cover provided by purchasing an additional policy with their insurer.