'It’s the cover that counts'

Insurance Specialists
in Ski & Travel

We provide insurance for the Travel and Ski industry – businesses, staff and customers. Find out how you can benefit from our renowned personal service, extensive experience and quality insurance products providing a wide scope of cover

Company Insurance Travel & Ski Insurance


MPI Brokers has a no-frills, no-fuss approach to insurance so clients and customers – large and small – can select the policy that’s right for them, with a wide range of options for additional cover.


Example Liability Cases

Jarvis V Swan Tours Limited

Jarvis V Swan Tours Limited Contractual dispute Holidays are contracts for enjoyment Liable for lack of enjoyment Mr Jarvis was a Solicitor, who loved to Ski. Each year he took his two weeks holiday over winter in order to go to the Alps, rather than go away in the summer. He was particularly taken with a holiday advertised by Swan Tours Ltd. Two weeks in Morlialp, Switzerland over Christmas, staying in the Hotel Krone with 12 days ski hire. Swan Tours advertised the Hotel as: ‘House Party Centre with special resident host...Its own Alphutte Bar open several evenings a week...Welcome party on arrival, Afternoon Tea and Cake for seven days, Swiss dinner by Candlelight, Fondue Party, Yodler Evening...Mr Weibel, the charming owner, speaks English... Service of a Representative’ ‘No doubt you will be in for a great time, when you book this House-Party holiday’ Needless to say things did not go to plan. The first week of Mr Jarvis’ holiday he was one of a house party of 13. The second week he was a party of 1, staying in Read More

Wilson V Best Travel Ltd

Implied term in contract Reasonable skill and care Local standards applicable (mostly) Mr Wilson and his fiancé and his fiancé’s family went on a holiday to Kos in Greece, booked through Best Travel. On the first full day of their stay the group gathered in one of their hotel rooms to discuss their plans for the day. At some point during the stay Mr Wilson appears to have tripped and fallen into the patio door. The patio door was glazed with 5mm thick glass, but not safety glass as it would have been in England. The glass shattered and Mr Wilson fell through the door, and suffered serious injuries and lacerations from the glass. On his return Mr Wilson brought a claim against Best Travel. He claimed that by not checking the Hotel complied with British safety standards Best Travel were in breach of the implied contractual obligation to provide the service with reasonable skill and care. During the trial it became clear that whilst the 5mm glass fitted to the door did not meet British safety standards, it did Read More

Club-Tour V Garrido

Definition of a ‘Package’ ‘prearranged’ covers both ‘brochure’ holidays and tailor made combinations This was a Portuguese case that was referred the European Court of Justice for an answer on how a ‘Package’ should be defined for the purposes of the Package Travel Regulations (the 1990 version, rather than the updated version due to come into force). Simply put Mr Garrido booked a holiday to Greece with Club-Tours. He picked where he wanted to stay, and when he was going, as well as the travel arrangements he wanted. Club-Tours then put together the separate components and Mr Garrido booked it. When Mr Garrido and his family arrived at the village in Greece they had booked to stay in, they found it was infested with wasps. He contacted Club-Tours who in turn contacted Club Med, who they had purchased the accommodation from that they then sold to Mr Garrido. Club Med were not in a position to offer alternative accommodation, and so Mr Garrido and his family had to stay in the village, which needless to say had a rather detrimental Read More

Emma Moore V Hotelplan Limited T/A Inghams Travel and Mr Adriano Tantera

Holiday company can be responsible for excursions Need to be explicit who customers are contracting with for excursions. In 2007 Mrs Moore went on a Skiing holiday with her husband and some friends. The group booked a holiday to Passo Tonale in Italy with Inghams. When the group arrived in the resort, the Inghams rep, Ms Hodges, met them and provided them with an initial briefing and welcome pack, detailing the extra excursions and activities that were available. One of these activities was ‘Skidoo Sensation’ which was a snowmobiling trip around the resort. Mrs Moore and her group decided to book this trip and duly met with Ms Hodges and paid the fee to her. When the evening of the trip arrived they met Ms Hodges in the Hotel lobby, who took them to the Garage used by Mr Tantera, the operator of the excursion. Once they arrived Ms Hodges handed out liability disclaimers to the people going on the excursion and asked them to sign them. Mr Tantera then gave a briefing to each member of the party regarding Read More

Hone V Going Places Leisure Travel

Liability under Package Travel Regulations Responsible for acts and omissions of suppliers Terms implied into contracts Mr Hone, his fiancee, his brother and his sister-in-law booked a holiday with Going Places to Turkey for 14 nights. The group went on holiday, and presumably had a pleasant 2 weeks in the sun. On the trip home the group were on a flight operated by a Turkish Airline. Part way into the flight there was a bomb scare and the pilot decided to divert into Istanbul. The passengers were told to prepare for an emergency landing, after which they would leave the plane by way of the emergency slides. When Mr Hone got to the top of the slide he noticed a woman at the bottom of the slide, who was described in court as ‘a large lady’. As Mr Hone was descending the slide, he realised the lady was stuck so he ‘opened his legs wide enough to avoid striking her back, but he collided with her’. His fiancée had followed him down the chute and the heel of her shoe Read More

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MPI News Blog

MPI Brokers constantly review and assess national and international news, as well as important legislative information that affects travellers and travel insurance in general. We publish elements of news which we feel are both interesting and important, and we publish this news regularly in our newsletters.

Another great season for MPI sponsorships

As a leading provider of specialist ski insurance, MPI supports several events which have a charity element or foster a spirit of competition.


More MPI News...

Weather and
Snow Report

The weather and snow conditions play a crucial part on your trip and for skiers and snowboarders having access to up-to-the-minute snow reports can help you make the very most of your winter sports holiday. That's why MPI provides a customised weather and snow report* for selected resorts.

* ‘this service is provided by a 3rd party and MPI take no responsibility for accuracy or omissions


  • "Just to confirm - I have received an e-mail with the new extended certificate. Thanks again. I will certainly be continuing to purchase insurance with you as you have been very helpful and fair. I will also recommend the company to others."

  • "Thank you so much - i couldn't have asked for better service from you. Some companies can be a complete nightmare! I'm very grateful. If there's any feedback or survey I can fill out please don't hesitate to ask me to do so. I'd be glad to."

  • "Everything and I mean everything you guys did was brilliant. If I had not already paid for my insurance for my next trip I would be using you. Cannot praise your product or your service enough."

  • "I recevied the completed claim and cheque in the post today - thank you very much for all of your help with this, it was extremely efficient from your end despite my lack of organisation!"

  • "You have saved me a one-day return trip to the UK so for that I (and the environment!) will be forever grateful. Thanks again for being so awesome - it does seem ludicrous to have such rigid rules when it so easy for these things to happen and punish those who want to pay for insurance/ be adequately covered. This is most certainly a common sense approach which should stand you in good stead. Wishing you the best for 2016"

  • "Excellent service, first time I have ever had to apply for a claim, so I have nothing to compare this service with, however I have heard horror stories about insurance claims. My first experience was quick, hassle free, no complications what so ever very impressed with service."

  • “Thank you for getting back to me so quickly! Your instructions helped me to find the policy options I needed so I’m all set!

    Have a fantastic Christmas!”

  • "After much searching amongst other options, I eventually spoke to Catherine at MPI for my elderly lady ski insurance!!! She was excellent - so I have gone with MPI. Thanks for your help with the information."

  • "Excellent service from MPI brokers, they helped a huge amount with their input and guidance when we were looking to take out tour operator's insurance policy. Catherine dealt with all of our questions and concerns in a very professional and timely manner. Thanks for all of your help."

  • "We would just like to thank you and your team for being so helpful at such a stressful time for our family and for keeping me informed throughout the process too."

  • "Dear Peter,

    Thank you very much for organising my return.  The journey home was very pleasant and well organised."

  • "The empathy shown to my initial treatment was much appreciated and I wish to take this opportunity of thanking you for your total support and eventual satisfactory outcome of this claim.

    In kind appreciation..."

  • "I really do appreciate all your help with this. I have received the email and printing off all as we speak. I sincerely hope there is no reason to be in touch this year but it is wonderful to know we have a great policy in place.

    Kind Regards to you and your team.”

  • "I would also like to thank you, Kim and the MPI Brokers team. This claims process has been so easy and fair. Its been great to be dealing with a company that helps explain the process and was easy to contact.  Thanks to you all."

  • “Hi Nicole,

    Many thanks for actioning this so quickly. A superb service, I'll definitely recommend you.

    Best regards - Geoff”

  • "Thank you Kim, they have been tremendous, I`ve never had to use insurance before and don’t plan to again but I will always use this company as was terrific service. Please let them know thank you all"

  • "Just want to say a huge thank you to you, your colleagues and everyone that has helped me at MPI and Mayday assistance.
    The case was handled professionally and smoothly, thanks for everything."

  • "I would like to take this opportunity to thank you and Niamh and Medical Assist for everything you have all done. The whole process of informing you, making the claims and the repatriation has been so efficient …. we would not hesitate to recommend your services to anyone in the future."

  • "Everyone that has dealt with MPI or the assistance company have been very complimentary of the service offered."

  • "Very many thanks for all your excellent help this afternoon it was much appreciated and I will be in touch.

    Again a BIG thank you for your time and patience."

  • "Thanks Marta - he is thank you - bruised and sore but has finished injections. He just needs to rest .

    Can I just say your company has been amazing- I have already recommended you! 

    Kind regards "

MPI And The Travel Industry

MPI is trusted by many of the UK’s leading tour operators with their corporate insurance arrangements, including liability, bonding, and cover for resort staff. We undertake in-depth analysis of company requirements and tailor the most appropriate levels and areas of cover for them.

Here are a few of the most popular insurance products and services that we offer...

Meet The Team at MPI

MPI Broker's team of highly-experienced insurance professionals are waiting to help you...

Michael Pettifer

Michael Pettifer

Managing Director

Placing business in the London market

" Over 40 years experience in the travel & ski insurance industry having held positions in leading Lloyd's insurance Brokers before setting up MPI in 2002. Mad about skiing & sailing."

Jo Scott

Joanna Scott

Personal Assistant

PA to Managing Director and Sales Team

" Loves travel, sports and outdoor living. Always active and enjoys supporting MPI’s sponsored events such as the Ski Show and Gap Fairs."

Cartherine Lowe

Catherine Lowe

Sales and Marketing Manager

Corporate Insurances, public & client relations, managing sales team

" Spent a season snowboarding in New Zealand as part of her 3-year travels. Now, mostly based in the office, but when she’s good, you may occasionally see her at a ski or sailing event that MPI sponsor!"

Gary Stock

Gary Stock

Claims Manager

Managing claims team, & presenting customer claims to loss adjusters.

" Lives and breathes insurance and was once seen as a baby holding a policy wording. Rumour has it his first word spoken was ‘claim’. Has spent most of his adult working life in travel claims however when he does take a break from it all, he enjoys spending time at home with his wife and children."

Nicole Snelling

Nicole Lelliott

Sales and Marketing Assistant

Resort Staff Insurance, Affiliate liaison & Medical Screening contact

" Travelled around New Zealand and Fiji, a number of years ago and yearns to go back. Now juggles family life with the occasional 5K challenge."

Abby Frost

Abby Frost

Sales Assistant

Manage Call Centre Staff, main Sales contact & all things Social Media

" Happiest on the water or in the Alps, in love with Sailing, Travel, Paddle Boarding & Snowboarding. Always on hand to chat about any of the above & will see you at our MPI Sponsored Sailing events."

Emma Cook

Emma Cook



" When not crunching numbers, enjoys relaxing with her family at her holiday home by the coast"

Caroline Stuart Taylor

Caroline Stuart-Taylor


Introducing new business

" Former Managing Director of the Ski Club of Great Britain for over 10 years and is still currently leading Ski Club parties"

Discover More About MPI

MPI has a long history of providing travel insurance products of all sorts...

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Michael Pettifier Insurance Brokers Ltd. trading as MPI Brokers, Mind The Gap Year, MPI Don’t Stop Me Now and Douglas Cox Tyrie is authorised and regulated by the Financial Conduct Authority FCA number 308481

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