What does against local authorative advice mean?
Our travel insurance policies cover off piste activity subject to your not being alone or 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.