Price before going on the slopes
Bought with the lift ticket, using the history of previous days and seasons.
The challenge
Lift ticket insurance costs the same for everyone: careful skiers pay the same as those who go very fast on slopes above their level. And insurers rate on what the customer declares, not on what they do.
What you control
- Skier scores and falls per score band
- Each skier's insurance price at lift ticket sale
- Queries and usage of every insurer
What you get01 02 03 04 05 06
Two clear scores
A behaviour score and a skier score, from 0 to 100, with the reasons in plain words.
The resort sets the limits
Normal day and season price, maximum discount and surcharge, and minimum days of history.
Data that sells
Insurers query and buy scores and KPIs via API, and every query is recorded.
Built for actuaries
Exposure, frequency, severity, relativity and credibility per risk factor.
With consent
Without it, normal price and anonymous data only. No positions and a pseudonym per insurer.
Everything it does
- Per-skier history across all seasons
- Declared and real level
- Usual areas per slope, without positions
- Previous accidents by severity and evacuation
- Behaviour score and skier score with reliability and reasons
- Day and season insurance price within the resort's limits
- API for insurers: single-skier query and batch of scores
- Tables per factor with frequency, relativity and credibility (CSV)
- Daily conditions for parametric insurance
- Monthly usage of every insurer
- Skier score
- Behaviour score
- Falls per 1,000 skier days
- Relativity per factor
- Credibility
- Queries per insurer
How it works
- 1
The device builds the history
While the skier has their normal insurance, every day is measured: how much they ski, how, and what happens to them.
- 2
Every skier gets two scores
A behaviour score and a skier score, from 0 to 100, with their reliability and the reasons in plain words.
- 3
At lift ticket purchase, the price adjusts
Before going on the slopes, the resort raises or lowers the insurance with the score, within its limits, if the skier agrees.
- 4
The insurer queries and buys
With its key, it queries the score and KPIs of anyone who gives it consent. Every query is recorded for invoicing.
What the insurer receives
The data an actuary uses to build a rate, measured by the device rather than declared by the customer.
| What it includes | What it is for | |
|---|---|---|
| History | Days and seasons, declared and real level, usual areas, hours, runs and km | Knowing who they are and how much they are exposed |
| Behaviour | Speed, terrain against their level, off-piste, people around, time of day and visibility | The risk factors highlighted by ski accident studies |
| Previous accidents | Falls by severity, time immobile, evacuations and last fall | Frequency and severity: what makes a claim expensive |
| Scores | Skier score, behaviour score, reliability and reasons | A score ready for rating and explainable to the person |
| Portfolio | Tables per factor with frequency, relativity and credibility, and falls per score band | Building and validating the rate without personal data |
| Daily conditions | Hours of lifts stopped by cause, low visibility and snowfall | Parametric insurance: automatic payout for closures or bad weather |
For the resort
- Raise or lower the insurance price with the score, within the limits you set
- Its own normal price for day and season insurance
- Reward careful skiers and explain to everyone what lowers their score
- A new revenue stream: insurers pay for every skier they query
- Without history or consent, the normal insurance is sold
For the insurer
- Score and KPIs of every insured person before selling the policy
- Data measured day by day, not declared
- Portfolio tables with credibility to build and validate the rate
- API with its own key and a different pseudonym for every insurer
- Daily conditions for parametric products
Privacy and regulation
- Only with the skier's consent, for each insurer and for the resort's price, and it can be withdrawn at any time
- Without consent, only anonymous tables, with no small groups that could identify anyone
- No positions: usual areas are slopes, never the route
- Every score explains what lowers it and the person can ask for a human review
- Sex is not used as a factor
- Falls are device events, not medical diagnoses
Talk to us
Frequently asked questions
Is the insurance paid after skiing?
No. It is bought with the lift ticket, as always. The price comes from the history of previous days and seasons, when the person skied with normal insurance.
What does someone with no history pay?
The normal price. The adjustment starts once they reach the minimum days of history set by the resort.
And with a season pass?
It uses the same score with its own normal price: the resort sets one for day insurance and another for season insurance.
Who decides the price?
The resort with its insurer: normal price, maximum discount and maximum surcharge. The platform calculates the scores with published, explainable rules.
What does the insurer see?
The anonymous portfolio tables and, for anyone who gives it consent, their history, scores and reasons, with its own pseudonym and no positions.
How do you know the score works?
The dashboard shows falls per 1,000 ski days in every score band. With full seasons and the insurer's paid claims, weights and thresholds are tuned.
Works with
Business and guestsParking and accessNobody circling around looking for a spaceSee the module →Business and guestsLift access controlValidate passes in the boarding lane with the device, without turnstiles or cardsSee the module →Business and guestsLift tickets and experienceWho comes, when they arrive and how much they skiSee the module →Business and guestsSki and snowboard schoolA self-organising school: bookings, instructors and groupsSee the module →
See your resort in Snowlytics
We will show you the platform with your resort's map. No commitment.