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Another insurance question!

 Poster: A snowHead
Poster: A snowHead
I know there are a million posts on this but just want to clarify and have up to date advice.

Will be in Morzine for the season and looking into insurance.

Would it be fair to say that Carte Neige and EHIC would suffice for most standard emergencies?

http://www.natives.co.uk/holiday/the-lowdown-on-carte-neige-insurance/3994

https://www.morznet.com/ski-insurance

An extra private policy is of course preferable but for now want to make sure we have the basics covered and any need to knows.
TYIA
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
@hawkwind, What kind of hospital is in Morzine ? An EHIC won't be much use if it is a private clinic.
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 Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
@rjs, Im not sure , i presume the private clinics are for hypochondriacs with more money than sense as per most tourist hotspots.
But these two seem where to go if something serious

The nearest hospitals to Morzine & Avoriaz are Cluses (12km) and Thonon (35km).
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You may well need Tenants Liability insurance for the property and iirc neither Carte Neige nor EHIC will get you repatriated to the UK in the event that's required.
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 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
@marcellus,
Yes i was advised of that liability insurance , dont think its too expensive and can either pay a small charge to letting agent or take my own policy , another thing to sort out!

Its all a bit grim repatriation , as an atheist, i couldnt care less what happens me , ill be dead anyways but i suppose for family etc i better deal with all that. Its these totally unseen and unpredicted things that insurance is helpful for i guess.
Found a bit of info here

https://www.gov.uk/guidance/death-of-a-british-national-in-france
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You'll need to Register first of course.
If it's anything like L2A in case of an injury pisteurs will deliver you by sledge or helicopter to the doctors and clinics (unless serious enough to require immediate hospitalisation) in resort all of which are private. If hospitalisation is necessary you are taken by ambulance (all are private in France) to hospital in Grenoble where EHIC kicks in. In case of illness all doctor's charge for a consultation in France although it isn't expensive. Prescriptions and any medicines (even paracetemol) are only available from pharmacies and are expensive and french doctors tend to prescribe a real cocktail.

I wouldn't want to risk it without insurance as well. I think I pay something like £160 for seasonnaire cover with MPI. Covers all sort of other things too.
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 Then you can post your own questions or snow reports...
Then you can post your own questions or snow reports...
@Claude B,
Yeah as much as i distrust the insurance industry i think it makes sense to spend a couple of hundred on it.
Im keen to get the basics covered and be aware of what exactly they cover.
All this repatriation stuff scared me Smile
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 After all it is free Go on u know u want to!
After all it is free Go on u know u want to!
@hawkwind, Your insurance will actually cover everything that carte neige covers tbh. I have both as having been involved in a couple of pisteur recoveries it is more straightforward with carte neige.
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You'll get to see more forums and be part of the best ski club on the net.
You may find this quite helpful...

https://www.morznet.com/emergency

I would say that the basics include a full insurance policy.
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 Ski the Net with snowHeads
Ski the Net with snowHeads
hawkwind wrote:
@marcellus,
Yes i was advised of that liability insurance , dont think its too expensive and can either pay a small charge to letting agent or take my own policy , another thing to sort out!

Its all a bit grim repatriation , as an atheist, i couldnt care less what happens me , ill be dead anyways but i suppose for family etc i better deal with all that. Its these totally unseen and unpredicted things that insurance is helpful for i guess.
Found a bit of info here

https://www.gov.uk/guidance/death-of-a-british-national-in-france


Tenants liability insurance isn't that costing (€50/150 for the season) and easy to arrange.

I wasn't thinking of death, I was thinking more of you having a serious accident that means you aren't able to see out the rest of your season and unable to get yourself home under your own means or even something completely not ski/board related.
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 snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
@marcellus, Smile
Yeah i went googling after your post and found all the death stuff! Perils of internet searching Smile
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 And love to help out and answer questions and of course, read each other's snow reports.
And love to help out and answer questions and of course, read each other's snow reports.
Quote:

and iirc neither Carte Neige nor EHIC will get you repatriated to the UK in the event that's required.

I think Carte Neige does do repatriation. Even of the body in case of death.However for a complete season it may not offer much saving over say a BMC policy. Actually watch the BMC one - you may have to leave the country for a while so as not exceed their maximum trip length clause.
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So if you're just off somewhere snowy come back and post a snow report of your own and we'll all love you very much
@johnE, I have been told that Carte Neige only does repatriation away from France if you are French living abroad.
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 You know it makes sense.
You know it makes sense.
@rjs,

https://carreneige.com/static/images/doc/tableau-garanties-cn-en.pdf

it seems they do but im trying to find out exactly what im covered for then i can decide on private insurance etc
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 Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
@johnE,

BMC wont cover for a full season, 90 days total in a year
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 Poster: A snowHead
Poster: A snowHead
http://www.snowheads.com/ski-forum/viewtopic.php?t=60076&start=200

Old thread from 2010 where it seems EHIC and it work well and include repatriation.
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
@hawkwind, Your link is for Carre Neige not Carte Neige, they are run by different insurance companies.

Try here for Carte Neige.

I'm just reporting what I was told by the President of my French ski club.
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 Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
@rjs,
Thanks , its all very confusing Smile
Last year i used EHIC and Snowcare (italian) sort of a similar deal.
Ill keep searching , once i know whats actually covered i can check what benefits there are to some of the private insurance terms
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@hawkwind,
I don't think any of the snow insurances cover 3rd party liability relating to damage or alleged damage you do to someone else. I currently insure through MPI and their 3rd party liability also covers the damage to temporary accommodation mentioned above.

Snowrisk http://en.snowrisk.com/produits.php is the branded local insurance for the Portes Du Soleil
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