 Poster: A snowHead
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I thought i'd start another thread about insurance as rather than have this clutter a trip report.
| alex_heney wrote: |
| Andybag wrote: |
| alex_heney wrote: |
| Minimum_1 wrote: |
ed to do the toboggan run!!!
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Make sure you check your insurance first.
A lot of winter sports policies don't cover tobogganing, so if you got hurt, you would have to pay for evacuation, and possibly for repatriation if you needed a special flight.
Some policies do cover it. |
You are having a laugh aren't you? Just do it and enjoy it, that's all I'd do if I was tobogganing or sledging at home or abroad (although other people seem to have more health and safety concious views then myself) |
No, I wasn't having a laugh.
At home, I'd have no problem doing it without insurance either, but abroad there is always the possibility of hurting yourself in a way that will be expensive to get you home.
You do need to check that it is covered, and I was just raising the issue because a lot of people might not realises that it is often excluded. |
Last edited by Poster: A snowHead on Sat 18-02-12 7:33; edited 1 time in total
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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I think it's one of those where you check your policy. The winter sports cover part of mine includes: on-piste skiing, snowboarding, mono-skiing and ski-bobbing, ice skating, curling, tobogganing, snowmobiling, cross-country skiing on locally recognised tracks plus off-piste skiing or snowboarding with a qualified guide or instructor.
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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?
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I believe it's true that toboganning has one of the higher injury rates - certainly the case in our immediate family. Only fracture so far was on a toboggan, in Alpbach. Serious surgery in Innsbruck followed.
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You need to Login to know who's really who.
You need to Login to know who's really who.
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My understanding is that it depends entirely on how it is organised and if it involves copious amounts of alcohol before descending. Some of the toboggan trips that used to be organised in resorts as part of the entertainment packages offered by TOs were very wild and not too safe in my experience (I have the bruises and scars to show that  ).
If, such as in Radstadt and some other resorts, you are using a specially dedicated and prepared toboggan run, you are covered. The only proviso being the same as when injured skiing, if your blood alcohol level is considered high enough to have inhibited your judgement, your insurer may decline to cover costs. If the medical centre treating your injury believes your were drunk or had been drinking, they usually run a blood alcohol test these days which will be part of your medical report.
I think there is an awful lot of scaremongering about this as well as misinformation/understanding about insurance policies. Far too many "anecdotal tales of dire consequences" muddying the waters and way too little facts. People should do as queen bodecia, her example from her insurance policy cleared her and we had fun. If in doubt, read your policy and don't do it if you think you'll be tipsy or drunk.
[edited to clear an ommison and for clarity]
Last edited by You need to Login to know who's really who. on Sat 18-02-12 16:12; edited 1 time in total
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Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
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queen bodecia,
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it's one of those where you check your policy
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Exactly
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You'll need to Register first of course.
You'll need to Register first of course.
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Samerberg Sue, I think the kids might like it at Easter; might even give it a go myself (goes off to check all our insurances...). That and a trip to the Therme might be a way of entertaining them through the week.
Are you coming over at all that week (31st March)?
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holidayloverxx, I'll put it in diary and see how the work set-up is as well as the car situation. Still not got mine back yet although they think it will be fixed by the end of this week! 
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Samerberg Sue, cool, and fingers crossed for the car
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You'll get to see more forums and be part of the best ski club on the net.
You'll get to see more forums and be part of the best ski club on the net.
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| queen bodecia wrote: |
| I think it's one of those where you check your policy. |
Absolutely, and taht is all I was saying in the other thread.
The policy I used this year and my last trip (Direct Travel) covered it. The one I used a couple of trips before didn't, and when I was looking for alternative quotes, there were a couple of others didn't (and I only looked at 3-4).
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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| Samerberg Sue wrote: |
My understanding is that it depends entirely on how it is organised and if it involves copious amounts of alcohol before descending. Some of the toboggan trips that used to be organised in resorts as part of the entertainment packages offered by TOs were very wild and not too safe in my experience (I have the bruises and scars to show that ).
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That certainly affects how risky it is, but the insurance policies don't go into that much detail. They just simply either exclude tobogganing, or they include it. Whichever way, it is usually explicitly mentioned.
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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.
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That certainly affects how risky it is, but the insurance policies don't go into that much detail. They just simply either exclude tobogganing, or they include it. Whichever way, it is usually explicitly mentioned.
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I guess even if a specific activity is "covered" in an insurance policy that doesn't preclude the company's arguing that an injured party failed to take reasonable steps to protect themselves. Getting completely smashed then hurtling down a hill in the dark might be regarded as demonstrating such failure.
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FAQ
Quite disconcerting when you're hurtling down in the near dark and you say to yourself "I think there's a bend coming up from the sounds ahead (shouts of panic/pandemonium)
, but it's so dark I can't see anything"! 
