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Poster: A snowHead
Thu 4-05-17 11:55
Replies: 41
@Skiingruby, well, the worrying and the most painful bit is now firmly behind you; you are now at the summit. In skiing terms - it's all downhill from here :)
Obviously A snowHead isn't a real person
Wed 19-04-17 1:37
Replies: 30
@dogwatch, and this was after he's already spent one night in a shepherds hut, then submerged his feet in a frozen stream. I don't believe that he could have survived being chest deep in a stream then outside overnight without a complete change of clothes. The author of the original article is Yeti and I claim my £5.00. :-D
Well, the person's real but it's just a made up name.
Sun 16-04-17 6:44
Replies: 29
CEM makes great points. In motor racing the moto of Bell helmets is well known "If you have a cheap head buy a cheap helmet" !!! Bell would say that, wouldn't they - after all they're trying to sell you a very expensive helmet. But it's not that simple. As a motorcyclist, I've used helmets for decades. In the past, testing helmets for level of protection wasn't really standardised. The "best" helmets used to get tested and approved for racing (silver or gold ACU sticker for off - road, and gold ACU sticker for racing on tarmac and other hard surfaces). Though it wasn't quite clear what those tests were. Then, a government - backed, standardised way of scientifically testing helmets for crash protection properties kicked in (S.H.A.R.P.): https://sharp.dft.gov.uk That shook things up quite a bit - as some hideously expensive helmets were found to offer very poor (inadequate) protection and, shock, horror, some very cheap helmets turned out to offer maximum protection. All of a sudden, "If your head is worth £30, then buy a £30 helmet" got found out for what it was - a marketing bull5hit peddled buy big marketing departments of rich helmet manufacturers. I carried on using the same brand and model that I had been using, as I found out in practice that it is excellent. :-D But it's not just about the protection; an expensive helmet will invariably have excellent fit and finish, be very light (if you're riding for several hours pulling Gs, a difference of ~100 grams will become significant). They'll be much quieter (VERY important in a motorcycle helmet), have excellent vents that actually work), be super - comfy and often have removable & washable interior etc. So, usually, when one spends big money on a helmet, one can see where it's gone. BUT, is it the case that only expensive helmets provide good protection, and cheap ones don't - absolutely NOT.
You need to Login to know who's who.
Sun 16-04-17 5:21
Replies: 41
@Skiingruby, sorry if it's a stupid question (it most probably is) but, have you tried a non - intrusive method first? I just read a study which claims that partial ACL tears (rare as they are), used to get treated almost exclusively by way of surgery. However, latest studies have shown that partial tears, when treated conservatively, in 60% of athletes (!) have healed strong enough to enable them to return to their sport without any limitations. Just a thought... Also - have you heard more than just the one opinion?
Anyway, snowHeads is much more fun if you do.
Thu 13-04-17 20:48
Replies: 20
@Sweetpea, welcome to snow :sH: s! Though sorry to see you join up in this circumstance. I ruptured my ACL a couple of weeks ago and am pre - op, so shall be reading this thread with great interest. To be honest, based on what I've read so far, it really seems to be an open - and - shut case.
You'll need to Register first.
Thu 13-04-17 19:57
Replies: 11
@jkchops, I wouldn't expect to hear from im in a hurry - he's left today for the EoSB. Hope you're not in a rush. I'd guess that you'll probably hear from him when he's back, in just over a week.
Well, it's only polite to Register
Wed 12-04-17 18:31
Replies: 62
@under a new name, my well fitted ski boots woulf fall into ghe essential category . Mine too. My feet feel sore just thinking about hire boots. Mine also. Had a misfortune of the airline losing my hold bag, a horrible experience Indeed. Luckily my boots arrived with me in my hand luggage & saved the day.
After all it is free Go on u know u want to!
Wed 12-04-17 17:51
Replies: 42
@Hurtle, @achilles, I park mine the same way :sH: But @Hurtle, never mind running out of wardrobe space, I'll soon be running out of walls to line 'em up against, if I carry on like this! :shock:
Then you'll get to see more forums.
Tue 11-04-17 2:14
Replies: 15
Yep, ironing/tumble drying on medium setting helps activate the DWR. If you are worried about ironing or tumble drying your fancy/expensive kit, a hair dryer works just as well.
And post your own questions...
Mon 10-04-17 16:52
Replies: 15
@AG, I use Granger's but, reportedly, it and Nikwax both work ~ equally well. Personally, I use a spray that is applied after the washing (while the item is still wet). To my mind, applying a wash-in reproofer goes against the logic; if it makes a cloth waterproof, it follows that applying it on the inside (the side of membrane closer to your body) will stop the sweat from escaping outwards. However a lot of people on here use it, and I am yet too see someone complain that it ruined their jacket's breathability. Lots has been said on this subject; there are quite a few threads discussing these issues and various products, and/or washing and application methods. You may want to look for them by using a search function on this site.
which other snowHeads love to answer.
Tue 4-04-17 22:30
Replies: 44
@stephap, I'm one of those people that @Kamikaze Pete, referred to. I will only ever take my ski boots in my cabin luggage. This practice paid off last year when my bag was lost and arrived on the last day of my holiday. Had I not had my boots with me, I would have cried in my beer.
And they're a friendly bunch.
Mon 3-04-17 23:08
Replies: 11
Great news, @Hurtle! They really ought to be. They've become almost essential, as so many high - precision surgical interventions rely on them. Also, vice versa, they're invaluable when it comes to ruling out surgeries that are not neded - so one could potentially argue that their increased usage would actually save the NHS money.
You know it makes sense.
Mon 3-04-17 22:27
Replies: 11
@DrLawn, thanks for wishing me well! True... though it might be worth noting that the MRI was paid for privately. I'm pretty sure here in the UK GPs/hospitals wouldn't mind referring patients for an MRI either, as long as they were being payed for it privately, as opposed to relying on the NHS to fund it. A few years ago I badly needed an MRI to rule in/out a biceps tendon rupture. The consultant referred me for an MRI but was overruled by his manager! I was desperate, so I saw a physio privately, who then referred me and I paid for both the appointment with the physio, and the subsequent MRI, out of my own pocket. If you can find the time to make a trip to London, there's Vista Diagnostics clinic which does MRI scans. Their prices vary according to busy/quiet times, so if you can be flexible, the price can be as low as £200 (still not cheap, but well worth it if you really need it). They're just by the London Bridge, so not too complicated a commute for you. I hope that this helps and that you get better! Btw what's troubling you, if I may ask?
Otherwise you'll just go on seeing the one name:
Mon 3-04-17 20:52
Replies: 11
A brief update: I was seen today by Dr @Jonathan Bell (I cannot thank you enough for seeing me at such a short notice, Dr Bell)! By the way Dr Bell gave up a portion of his private time (he was preparing for a ski trip, and has gone by now) just in order to see me today. So any snowheads reading this, and in need of medical care relating to your knees - you know who to see. Dr Bell's ethics proved to be exemplary. He will be in your corner. The diagnosis was consistent with the MRI scan (a grade 2 MCL rupture and a non - displaced hairline fracture of my tibial plateau). Dr Bell suspects that the ACL has ruptured completely though.This is not certain as the MRI didn't indicate that, but it's not crucial to ascertain the exact level of damage at this stage, as surgery (if needed) shouldn't be carried out so soon after the injury anyway. So I will start physio work and see Dr Bell again in 4 weeks' time. I'll try to provide regular updates. So far, I have full ROM, there's little or no swelling, or pain. The bruising has faded significantly.
Poster: A snowHead
Sun 2-04-17 18:32
Replies: 120
@johnE, it's one thing buying £1M policy, it's quite another collecting it. You only find out what your policy is really worth once you submit a claim and when some very clever people employed by the insurance company go over it with a very fine tooth comb. And start digging out some clauses and appendages, burried so deeply in the contract, or verbalised in such a way you never even knew they existed.* *As you found out to your detriment when you submitted your only claim, and ended up collecting ~ £100 less than you thought you would. You are very proud that you haven't missed a flight in 40 years (I haven't in 33) - but it counts for nothing. The only thing that matters is the next flight you catch, or the next holiday you come back from without having sustained any injuries... Or, collecting your luggage at the destination, without any damage/loss (that you would love to claim for - but the high excess doesn't make it feasible). So yes, finally we agree on something - that's why one buys insurance - because one never knows. That was the point of my previos post (when I remarked on how much money you had "wasted" over the past 40 years), but it went unnoticed (or was it ignored)? Will you now tell us what this "very expensive" insurance policy is, that you purchase, so that I can climb on my high horse (like you did), multiply that amount by 33 and scoffingly tell you how much I would have spent extra over the years (when my cheap-ish policy does the some job)? Shall I now start deriding your decision to pay "very high" insurance premum (whatever that may be), in the hope that you might one day collect a £1M, which may never happen - not least owing to defensive clauses built in? What is it with the internet and people feeling the need to poke fun at other people's decisions?! But you are correct you can give your money to whoever you wish I have not "given" my money to anyone. I have purchased a service (which, incidently, paid for itself many times over).
Obviously A snowHead isn't a real person
Sun 2-04-17 14:09
Replies: 120
As I see it you purchased an insurnace policy to cover you for a potential loss of £75. Let us assume that you have an annual policy, after all who doesn't. This policy cost you £13 pa ... (laughs), well precisely. But as Kahneman and others have noted, people behave strangely in this type of scenario. Now that's not a nice thing to say, when you don't know anything about me, or what influenced my decision to re-insure my excess
Well, the person's real but it's just a made up name.
Sun 2-04-17 14:05
Replies: 120
@snowglider, For example I have been taking travel insurance out for over 40 years and made one claim. So I would have spent £520 (40*13) extra on cover just to save an excess of £75 JohnE, folowing your (flawed) logic, you have wasted an awful lot of money, by carrying on buying insurance policies year after year, for 40 years, when you have only made the one claim. You could have saved yourself a lot of money, by only taking out a policy the year you claimed! It's nice of you that you are so concerned about my wallet but, as @Dave of the Marmottes pointed out - I don't feel ripped of in the slightest. On the contrary - a simple calculation tells a different story from my perspective: I have spent £13 to cover the £75 that I would have lost otherwise. So: £75 - £13 = £62. But thanks for trying to portray me as a simpleton.
You need to Login to know who's who.
Sat 1-04-17 15:46
Replies: 11
@Hells Bells, I know, I know *hangs head in shame*. Dr @Jonathan Bell, was super prompt though and we've arranged an appointment - very relieved now that I know I'm in good hands :)
Anyway, snowHeads is much more fun if you do.
Sat 1-04-17 15:43
Replies: 11
@Jonathan Bell, thank you for your super - fast reply (I did not expect to hear from you so soon)! Received your PM and have replied - am genuinely feeling obliged. I can make it when you said you could see me - so I shall see you then. Best regards and thanks
You'll need to Register first.
Sat 1-04-17 13:48
Replies: 120
@johnE, assume nothing. I do have an anual policy. I mentioned it a few posts earlier, in this very thread (and I even broke down the costs). The annual policy cost a different (higher) amount, not £13. The £13 was an additional cost to my policy, in order to wave the £75 excess. I purchased it thinking that I'm more likely to claim for lost/damaged luggage, for example, than put in a big claim. (Well, I was wrong about that). The luggage handlers actually managed to break (!) my heard shell suitcase and dent my Sportube (this trip really didn't go well), so at least I was right about that. It's so easy to misinterpret the tone of conversation when it's in a written form, so I don't want to jump to any conclusions - but it appears to me that I can descern a smidgen of bitterness in your words - about the extra cover that I took out? I wonder (if my impression is correct) why that might be?
Well, it's only polite to Register
Sat 1-04-17 13:21
Replies: 11
Fellow :sH: s, As you might have read in a couple of other threads, while away in Andorra, I sustained injuries as per thread title (plus a few more of pulled this, streched that). I was never in any real pain though, and have completed my run down a red, followed by "another run down an easy blue", as I started to feel something wasn't quite right. Got myself off the mountain, went to the hotel room and raised my leg. No swelling, very little pain, full ROM. Plan was to "wait & see", and if everything was OK, to go skiing the next day. That eve though, pain and some stiffness set in. Got a couple of Ibuprofen which took care of everything. However, some bruising on the inside of my knee appeared and, having suffered a biceps tendon rupture a few years previously, I knew that the damage was more extensive. Hobbling down to dinner that eve, I noticed laxity in my knee if I suddenly turned around or swung my leg. I remembered that "Google was my friend", so I self - diagnosed myself with a torn MCL & ACL. Went to the hospital the next day, they applied some sorry excuse for a bandage job (I would have done it better - not joking either). Referred me to an MRI scan, which I had the next day. I did not get results until the day after (all this while I am walking and weight bearing)! The scan showed injuries as per thread title. I have a couple of concerns. Are the MRI results even relevant, as I was sent around walking, without any knee support? I suspect not, and that I most likely will need to have another MRI scan. Secondly, the diagnosis is vague (MCL rupture grade 2-3,, and ACL rupture 1-2). They are not specific. Maybe I'm wrong, but shouldn't they be? That's the whole point of having an MRI scan - so that exact extent of injuries could be established. Anyway, flying home tonight and will need to lean on Dr Bell's considerable skills. The good thing is that I am London based. So If you are reading this, Jonathan, pls feel free to shoot me a PM and hopefully we can take it from there.
After all it is free Go on u know u want to!
Sat 1-04-17 2:10
Replies: 34
Gosh, @Grizzler, I did not even realise from the other thread that both your ACLs gave way! Just read this whole thread, which I've seen just now. Wow... I hope the culprit gave the right details and you manage to claim damages from her insurance. Bad situation for both of us to be in, but it is what it is - we must turn our gaze to recovery now. Managed to research ACL injuries a bit - it appears that 2 things are key: find a good, experienced surgeon and give it all you've got during the post - op physio rehab. Best of luck with your recovery and, as you've put it very nicely, see you on the ACL rehab thread.
Then you'll get to see more forums.
Sat 1-04-17 0:27
Replies: 120
@Grizzler, thanks! Glad your trip back went well. Am still in the resort actually, heading back tomorrow eve. Here with a mate, and was loath to leave him on his own, so declined MPI's offer of early repatriation. But MPI were really brilliant to me, can't fault them. All the trouble that I've experienced came from the local health institutions, when they declined to accept any guarantees of payment by MPI and simply failed IME to privide adequate treatment and to safeguard against further injuries to my knee. They proved to be too lazy, greedy, rude and unprofessional. So what's your rehab plan? Have you made any steps yet? I've tried to research ACL injuries a bit and it would appear that patience is advised. It seems that, if a surgery is carried out before the inflamation subsides, a scar tissue can form and inhibit the knee function. @sequoiaboard, so sorry to hear that - hope you're ok now? Wrist injuries can be awkward and take a long time to heal, especially in case of a scaphoid fracture. Did you have an option to pay extra for "excess waver"? The excess on my policy was not that much - about £75 but, at only £13 to wave it, I couldn't pass it up. In your case, seemingly, it would have been even more worthwile (depending on the premium for the "excess waiver", of course). But you are right - the insurance companies certainly seem to know very well what they're doing - as the house always wins.
And post your own questions...
Fri 31-03-17 23:54
Replies: 120
@Dave of the Marmottes, thanks for your empathy. Yes, @spyderjon mentioned you did your leg in also :( I sent you get - well - soon wishes through him, and asked him about you a number of times, hoped he passed the well-wishing on? I'm really gutted.... was looking forward to this trip for so long! You ARE feeling better though, and are coming along to the Bash, aren't ya? I certainly hope so... Me and @kacko are booked on the same train as you & @spyderjon, and also in the same hotel, on the same dates, on the both legs of the journey. It would have been so much fun! Well, @kacko is still coming, so you guys can still gang up together and also, the trip will be a bit safer (should - God forbid - anyone break down). Well I do hope you are back to your full beastly strength by the EoSB! Heal well mate! Hope to see you again soon - or at least before too long! :sH:
which other snowHeads love to answer.
Fri 31-03-17 23:30
Replies: 120
I've insured the excess on my policy (about £75, if I remember) for £13. Does this mean you expect to need medicl treatment every 6 years while out of the EHIC area? @johnE, hmmm, I've tried to unravel the meaning of your post, but failed miserably. Maybe it's all the Ibuprofen I'm taking at the moment? But just in case we got our wires crossed somewhere, I actually bought a "excess waver" for £13, hope that clears it up?
And they're a friendly bunch.
Fri 31-03-17 17:29
Replies: 120
@snowglider, I would be interested to know if MPI reimburse you the full amount minus the excess. I made a claim on AXA for a injury in France that I had paid for myself in euros. They converted the euros to pounds at a very unfavourable rate and paid me in pounds so I had then to convert that back to euros once again at a rip off rate. It cost me IIRC about £100 extra. Well, I'm sorry that I won't be able to tell you that - I've insured the excess on my policy (about £75, if I remember) for £13. It turned out to be a good move :( However, after reading about your experience with AXA, I'm bracing myself for the exhange rate MPI might (and probably will) use :?
You know it makes sense.
Fri 31-03-17 17:21
Replies: 120
Well, it's not just the crutches and the refusal to accept MPI's guarantee of payment. Rather, it's the entire attitude and the prevelent sense that my money was welcome, but that the same welcome did not extend to my presence. I do not wish to bore anyone with the many examples and details, but here's one: at the MRI centre, a technician was asking which leg (in own language). Speaking a few Spanish words (and wanting to be helpful), I offered: "izquierda". Suddenly, the technician went apoplectic: "Esquerra! We are Catalan here, and we are very patriotic! We say esquerra here, not izquierda"! - at some volume! Now, I did not expect that! :shock: Anyway, as my knee was bandaged, it wouldn't fit in the cylindrical structure of the MRI machine. He produced a pair of cissors and removed the bandage (no problem with that). After the scan, he sent me to the reception, saying "they will give you the diagnosis there". I assumed someone there would also secure my knee in some way (either by bandaging it up, or using a brace of some sort, or a sleeve). At the reception, they informed me that someone will give me the results "in two days"! :shock: Now, this was not made clear to me at the time of booking (I had a choice to book the MRI scan somewhere else) despite my stressing that obtaining the diagnosis was a matter of extreme urgency. But they refused to even discuss it any further, and sent me away hobbling, without even bandaging my knee up.... In the end, when MPI rang them and pressed them for results (I needed to be declared fit to fly - or not), they provided them the very same day... Needless to say, Andorra won't see me again.
Otherwise you'll just go on seeing the one name:
Fri 31-03-17 13:56
Replies: 120
@holidayloverxx, thanks very much. I did indeed change my mind - just spoke to MPI and, again, they are coming through and are saying they'll book 2 extra seats. It's the only way that it'd work I guess, I'm 6' and with my leg outstreched across the seats, it'll easily take all 3. Didn't know about the "no crutches in hospitals" policy - seems bizarre to me :shock: Makes you realise how lucky we are in the UK where everything's in one place :)
Poster: A snowHead
Fri 31-03-17 13:39
Replies: 120
Well, unfortunately, I too got to put MPI through their paces. Torn MCL (2-3 grade), sprained ACL (1-2 grade) + a "small fracture" (presumably they mean a hairline fracture) of my tibial plateau, "posterior, external" - whatever that means. The fracture is not displaced *** I must say MPI were fantastic (or rather Mayday Assistance, who handle their claims for them). Liaisoned with me quickly, stepped in directly and sent letters guaranteeing payment. Sadly the same cannot be said of the healthcare system in Andorra... They don't accept EHIC (which I knew beforehand), but they also declined to accept MPI's letter of assurance of payment (claiming they "don't have them on their list of approved insurance companies")?! :evil: So I ended up paying for everything (except for the MRI). Furthermore, a hospital I went to (a state hospital, I'd made sure of it before going there) did not have any crutches or knee sleeves/compression bands, so I was sent hobbling off with just an inadequately applied bandage on my badly injured leg. A hospital at a major ski resort, without any crutches or knee compression sleeves?! If I met you in person, and you told me this exact same story, I'd look you straight in the eye and call you a liar. So, I can wholeheartedly recommend MPI to anyone out there looking for a decent insurance company. They also offered an early repatriation, a taxi from the resort to Barcelona (3hr transfer), an extra seat on the plane, as well as a taxi on arrival to the UK from Luton to London. I declined all of them, though may well change my mind on the offer of an extra plane seat (I've got to keep my leg straight). Unfortunatelly, I couldn't recommend Andorra as a ski destination to anyone. Other people may well have had different experience but, personally - and going purely on my own experience - unless you have a healthy credit limit on your c/card (and one never knows what kind of injury one might sustain & what the final costs may run up to), do yourself a favour and find an alternative ski destination. Your wallet and your nerves will thank you. *** Therefore will have to undergo another MRI exam when I'm back in the UK, to make sure no further damage was done during my trips to the MRI centre & from there on to a some sort of pharmacy, where I hqd to buy some crutches & a knee sleeve.
Obviously A snowHead isn't a real person
Wed 29-03-17 22:12
Replies: 13
IMHO, @Scarlet's got it spot on. Check for sharpness by shaving a finger nail, check for burr with your fingertips/flat of your hand.
Well, the person's real but it's just a made up name.
Fri 24-03-17 20:00
Replies: 120
@Arctic Roll, that seems really cheap - I've just purchased a policy from MPI and it cost ~ that much for just myself. But never mind - there are a lot of testimonies here on the forum about MPI pulling their weight in time of need, which is all that matters. Thanks for the heads up though, I'll certainly consider them next time I renew the policy.
You need to Login to know who's who.
Fri 24-03-17 19:53
Replies: 120
@Kelskii, that's what it was - I knew I'd read something to the effect that it's no longer as good as it used to be. So I'm not going senile after all :) Hmmm, that requirement is a big deal for me. Don't think I fancy being (possibly) driven past private (likely nearby) hospitals that could help, when in need of a medical intervention, in order to meet their requirement to be treated at a public one. May as well just stick with the MPI then.
Anyway, snowHeads is much more fun if you do.
Fri 24-03-17 17:11
Replies: 120
@Dr John, thanks. I'll look into the SCGB policy for the EoSB.
You'll need to Register first.
Fri 24-03-17 15:59
Replies: 120
@Dr John, you mean, in addition to the policy I just took out? Or, when it's time for a renewal? I seem to remember reading something about the SCGB policy having been excellent in the past but that they've changed some of the T&Cs, and now it's not as good as it used to be. If my memory serves me :) But not entirely sure, I could be completely wrong and my mind could be playing tricks on me :shock:
Well, it's only polite to Register
Fri 24-03-17 15:19
Replies: 120
@Dr John, couldn't agree more with you. I'm at that stage in my life to know that a bit extra to pay is well worth the peace of mind that the extra expenditure affords. Still think that LV were out of order to ask for nearly a 200% increase for the injuries some of which are nearly 3 decades old and pose no problem whatsoever. Well, they just lost my business... Speaking of which, just took out a policy with MPI, and they were very easy to deal on the phone. They just wanted to know if I'd had any medical condition which has worsened in the last year, or if there's been a change in any prescription I've been given (I haven't). The total, with covering the excess on the policy + laptop insurance came to £165, which I think is reasonable.
After all it is free Go on u know u want to!
Fri 24-03-17 14:36
Replies: 120
@Dr John, that's the thing. Was just thinking about what you must have gone through, when your insurer (whom you paid for this service), instead of helping you in a situation when you are in pain and feeling quite vulnerable, is obstructing you every step of the way.
Then you'll get to see more forums.
Fri 24-03-17 14:08
Replies: 120
@Dr John, thanks, that's helpful. About to ring a few insurers for quotes so will report back. Well, getting insured at a favourable price is one thing, but alas, should there - God forbid - be a need to make a claim, and an insurer making good on their promises, seems to be quite another.
And post your own questions...
Fri 24-03-17 2:31
Replies: 120
@Hurtle, nice to have that confirmed! Thanks. I'll definitely give them a call tomorrow (well, technically today) :lol:
which other snowHeads love to answer.
Fri 24-03-17 2:28
Replies: 120
Cheers @Timc, might be worth a shot. Not knowing what else to do, I tried yesterday to get some insurance quotes on a few comparison sites. Tried to declare my "pre existing conditions" - only I couldn't. Turns out none of the comparison sites' booking forms deems bone - fixing surgeries as a "pre existing" condition (only heart & gastric bypass surgeries, blood vessel corrective procedures and 1 more - I forgot which one). So it does appear as if LV were undully strict - I know, I know, that's their prerogative. But, equally, taking my business elsewhere is my prerogative, and that's exactly what is going to happen. It was too late yesterday to call anyone else, but will give a call to MPI tomorrow and see what they say. Thanks again for your input and help.
And they're a friendly bunch.
Thu 23-03-17 17:22
Replies: 120
Have just spoken to LV and requested a quote. Preferred to do it over the phone rather than on t'internet (as I have had a fair few injuries over the years) and wanted to make sure everything gets described (and taken down) correctly. Well... their premium quote was £138, which I thought was reasonable, and was ready to take out a policy. BUT.... it turns out they view an operation on my ankle (to pin & plate my tibia & fibula, done 11 years ago; no problems since), as "pre - existing medical condition". Ditto for the surgery to repair my dislocated shoulder (27 years ago). So, with those two "pre - existing medical conditions" :roll: they quoted me £370!!! :shock: My explanation that it was a long time ago and that I don't have a problem squatting 400lb for 10 reps fell on death ears. "Sorry - the computer says NO", was their response. :cry: *Sigh* So, back to square one... Does anyone know of a half - decent insurance company that doesn't charge such exorbitant insurance rates for "pre - existing medical conditions"? :roll: I feel like crying...
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