What does skiing off piste against local authoritative advice mean?

Provided you have a policy that includes winter sports, our travel insurance policies cover off piste activity subject to your not acting contrary to local authoritative advice.

By this Insurers mean that you will not be covered for going off piste if there is guidance in place from anyone you should reasonably have checked with and listened to. This is not an onerous requirement. Insurers simply expect that you don’t act recklessly. In order to avoid a claim they would have to show that guidance was readily available that you should not go off piste or into an area in which you travelled and that you ignored it. You should check notice boards and weather reports and if anyone is suggesting that going off piste could be dangerous, the activity is best avoided.