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Is it worth buying "carte neige" if you have insurance already?

 Poster: A snowHead
Poster: A snowHead
When I was in Tignes I was told I didn't need it if I had "proper" insurance. I have E111 plus an annual Direct Line policy that has the wintersports extra added in. I therefore assumed the CN was what you bought as a basic if you had only got the E111 scheme. Is that right?
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
It's been discussed a couple of times on snowHeads. I think it's worth it and I've bought the annual policy (Carte Neige - the version you buy on a daily basis is called Carre Neige).
snow report
 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?
Butterfly, the simple answer is YES. If you need to be airlifted off the slopes then CN will get immediate attention. Other insurances may throw up issues and potentially you will need to call your insurer and get them to clear it with the helilift crew prior to them moving you. Even at this point you may still need to pay first on CC and then reclaim later from insurer. All of this is avoided by CN.

Is Carte Neige necessary if you already have insurance .... no.
Is it worth it for 2 euro a day or however cheap it is .... yes
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 You need to Login to know who's really who.
You need to Login to know who's really who.
Sorry - did not find the straight answer when I looked to the qu: What extra does it give on top of E111 & my annual insurance such that it is worth getting?
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 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
The convenience of having your piste rescue covered, no forms to fill out, no negoatiations with your insurance company, etc are worth the small daily cost in my opinion. I'd rather be slightly over-insured for this kind of thing.
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 You'll need to Register first of course.
You'll need to Register first of course.
Butterfly, I just gave you the answer. There is a slight chance that if you need to be heli-lifted off the mountain with your normal insurance they will ask you to pay first on your Credit Card and then reclaim later. This can be over £3000. Waving your EHIC (formerly known as E111) could be completely worthless if the heli-lift is a private firm being commisioned by the local Mayor.

Oh and if you have E111 forms please note they are now redundant and you need an EHIC card


Consider that if you are lying on a mountain with torn cruciate ligaments and maybe a broken bone or two the last thing you want is hassle over whether you can get treatment. CN in France solves all of this.
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 Then you can post your own questions or snow reports...
Then you can post your own questions or snow reports...
the extra of not having to fill in forms before being carried off the mountain screaming for your mother- priceless
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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!
Butterfly, just buy it...you know it makes sense. 3 euro a day - not even the price of a coffee.
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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.
Thanks guys - sorry Plectrum - I got interrupted typing my last message and forgot to check if there was another post before pressing submit oops!
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 Ski the Net with snowHeads
Ski the Net with snowHeads
Butterfly No worries, enjoy your holiday and next time in France remember that if you have bought your travel tickets and booked everything else with credit cards then you dont need regular insurance as long as you just take the Carre Neige in resort for 3 euro per day .... rather than the other way round.
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 snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
plectrum, please don't spout this. you DO need proper winter sports insurance in case of medical repatriation, curtailment, travel back for family members etc....have you read the posts on the other insurance thread today?
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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.
anyone got an online link for carte niege...

also is it valid in Italy and Switzerland??
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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
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
Jonnie, it's a French thing, but I did read somewhere on here that othr countries have similar, austria maybe.

link
http://www.carreneige.fr/uk/Contenu_qui.htm

and here

http://carreneige.com/index.php?lang=english
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 You know it makes sense.
You know it makes sense.
plectrum, maybe I owe you an apology on repatriation 9but only covers children, not, say, partners.

ASSISTANCE
For the cover to apply, the holder benefiting from it must request assistance directly by telephone 33 (0)1 41 85 85 96

4.1 Transport/repatriation :
if after hospital care, the Carré Neige holder is not in a state to travel under normal conditions, his/her transport/repatriation
shall be performed under medical supervision if necessary by the most appropriate means chosen and decided upon by
Mondial Assistance France.

4.2 Return of the children under 15 years of age, who were accompanying the holder, if no one is able to take care of them
after the implementation of a service defined in paragraphs 4.1 or 4.3.

4.3 Transport of the body in case of death of the holder of the Carré Neige to the place of burial, excluding any funeral costs.

4.4 Replacement driver to take the holder of the Carré Neige's vehicle home, if none of the passengers are able to drive,
following the implementation of a service defined in paragraphs 4.1 or 4.3.

Carré Neige holders resident in the following countries are entitled to assistance :
Andorra - Austria - Balearic Islands - Belgium - Bulgaria - Canary - Islands - Denmark - Finland - Germany - Gibraltar -
Greece and Islands - Hungary - Inland - Spain - Iceland - Ireland - Italy and Islands - Liechtenstein - Luxembourg - Madeira -
Malta - Metropolitan France - Norway - Netherlands - Portugal - Principality of Monaco - San Marino Republic - Slovak Republic -
Czech Republic - Romania - United Kingdom - Russia (European part) - Sweden - Switzerland - Turkey (European part).
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 Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
holidayloverxx, Strange really as on reading the terms and conditions of CN I do get Medical Repatriation, travel back for underage accompanied children etc.
The other point re-imbursement on remainign booked holiday costs i.e. accomodation and other costs due to early curtailement, many good credit cards can offer this?

Carre Neige is 100% proper Winter Sports cover.

Their terms and conditions are below:

Carré Neige cover 2007/2008

Created and distributed by the two main committees of the Fédération Française de Ski,Carré Neige is the leading specialist in the mountain insurance domain.

For 2.70 Euros per day and per person, Carré Neige provides all the insurance and assistanceguarantees summarized below.

These guarantees are acquired for the validity term of the CarréNeige, in compliance with the mention on your ski lift pass.

They apply in homeland France andneighbouring countries, during the amateur pursuit of skiing, in any of its forms.



1. RESCUE AND TRANSPORT
1.1 Cost of rescue and search due to the intervention of professionals in order to rescue or search a wounded,
deceased, or lost insured person, in the mountains.
• In France: amount of the costs
• Outside France: € 15 000 maximum

1.2 First transport costs of the Insured, between the place of the accident and the nearest medical centre able
to provide emergency care and return to the accommodation in the resort where the holder was staying on
the day of the accident.
Costs corresponding to any other transport, notably in the case of a transfer between the ski resort and/or
a hospital to a better adapted medical centre more than 150 km away, come under the cover provided by
the assistance contract.

1.3 Paying third party:
in case of operations performed by professionals that have passed an agreement, the Insured shall have
no additional sum to pay, the reimbursements intervening as an addition to the services reimbursed by the
Social Security and/or complementary health insurance organizations.
In all other cases, the Insured must supply the original invoice of the expenses already incurred.



2. SKI PASSES REFUNDING
2.1 Refunding of the unused “mechanical ski lift passes” and “ski lessons”*
• In case of an accident to the Insured leading to an incapacity to go skiing (up to a maximum of € 300)
• In case of illness, i.e. any alteration to health that prevents the Insured from participating in skiing and
which leads to the skier's incapacity for the rest of his/her stay (up to a maximum of € 300).

This refund will only be due where the Insured has sent in the passes or documents concerned to
Diot Montagne by mail (the date of the postmark serving as proof), accompanied by a certificate from
the ski resort's doctor outlining the nature of the wound and/or affection that leads to the skier's state of
incapacity, and the duration of the latter (the insurance guarantee will come into force on the date the pass is
sent in, after applying an excess of 1 day)

• In case of the early return of the Insured person's family, with documentary proof, following the death
of an ascendant, a descendant, a brother, a sister, or following a fire, a natural disaster, or theft from the
Insured person's professional premises or home (up to a maximum of €300)
• In case of repatriation of the person who has had the accident, and only for the ski passes for the other
members of the family holders of a Carré Neige pass (spouse, partner, ascendants and descendants).
Any claims concerning this guarantee coverage (up to a maximum of € 450) will only be taken into account
where the ski passes, the object of the refund, have been mailed to Diot Montagne on the day of repatriation
at the latest (the date of the postmark serving as proof). This will be counted from the day of repatriation
to the fiscal domicile
• To one parent (and only one), holder of a Carré Neige card having to ensure the care of a child
that has had an accident and who is also holder of a Carré Neige card. This reimbursement (up to an amount of
€ 150 and after application of an excess of 1 day) will only be due where the Insured has sent the ski lift passes
concerned to Diot Montagne by mail (the date of the postmark serving as proof), accompanied by a certificate by
the ski resort's doctor pointing out that the child has been immobilised and/or has been forbidden to go skiing because
of the accident.
• In case of closure of the mechanical ski lifts because of bad weather, for a duration of more than 1 day,
covering more than 80% of the capacities (SNTF Standard) of the skiable area, with a maximum of 4 days and after
the application of an excess of 1 day (except ski lessons)
• In case of total shutdown of the inter-resortlinks because of bad weather: this refund shall be made to the extent
of the difference in price between the extended ski lift pass and that for the Valley which issued the ski lift pass,
after applying an excess of 1 day with a maximum of 4 days (except ski lessons).
This guarantee shall be acquired only if the price of the ski lift pass issued corresponds to a 100% opening of the
skiable area

* The guarantee applies exclusively to passes that are valid for more than 3 days. The indemnity will be calculated on a
“pro rata” basis for the unused days, counting from the first day after the event and following the application of
appropriate excess periods. The indemnity will be paid only after presentation of originals of the lift passes and/or
ski school passes (or proof of purchase), accompanied by documentary proof of the events leading to the total,
or partial, non use of said passes.

2.2 Refunding of the “mechanical ski lift passes” in case of loss or theft:
the Insurer shall pay an indemnity to the Insured at pro-rata for the days that were not used, on condition that
the following proof has been provided:
• Receipt for the loss or theft issued by the authorities and/or declaration under oath of the loss by the holder
• Proof of payment of the ski lift pass bearing the name of the Insured and with insurance
• Original of the second ski-lift pass purchased

The indemnity paid will be equal to the purchase price of a new ski lift pass, after deduction of an excess of one day.
This guarantee concerns ski lift passes of more than 3 days, it being understood that any day begun cannot be
considered as being entitled to compensation.
If the ski lift pass is found, no indemnity shall be due by the Insurer, and the ski lift operator shall refund the Insured
with the cost of the replacement ski lift pass.





3. OTHER GUARANTEES
3.1 Reimbursement for medical, pharmaceutical and hospital costs in case of accident:
the indemnity (up to a maximum amount of € 3,000, less a deduction of an excess of € 46) shall intervene as
an addition to the services reimbursed by the Social Security authorities and/or any other medical care organisation.

Exclusions: personal and exceptional costs, prostheses costs, spectacles, health spa treatment costs, hospital
standing charges, private room charges, excess specialist fees and various expenses (telephone, TV, etc).

3.2 Defence – Recourse following an accident :
the Insurer shall guarantee cover (up to an amount of € 7,650) for services aimed at an amicable or legal settlement of
a dispute between the Insured and a third party, and causing the Insured to oppose any claim or defend him/herself
in a criminal court, it being understood that the guarantee shall not cover the payment of damages or compensation
of any kind:
• Defence : of the Insured in the event of legal proceedings initiated against the Insured following an accident
covered by the guarantee.
• Recourse : against the third party responsible for the accident under guarantee, by claiming damages in reparation
for the prejudice undergone by the Insured.
These services shall be implemented by the EPJ - 7, boulevard Haussmann - 75442 Paris cedex 09

3.3 Money-off coupon for € 75 in case of a return to the same ski resort the following year:
to be applied to “ski-lift passes”, if the accident declared to Diot Montagne has necessitated hospitalisation for more
than three days
.
3.4 Ski breakage :
refunding of the costs of ski hire for a replacement pair of the equivalent skis, and this in the event the Insured breaks
his/her own personal skis, and for a maximum period of 8 days.
Extract from the Insurance policies n°AG 056864 (Comité de Ski de Savoie)/AG 368570 (Comité Ski Mont-Blanc)
issued by EUROP ASSISTANCE, valid from 1/11/2007 to 31/10/2008


4. ASSISTANCE
For the cover to apply, the holder benefiting from it must request assistance directly by telephone 33 (0)1 41 85 85 96

4.1 Transport/repatriation :
if after hospital care, the Carré Neige holder is not in a state to travel under normal conditions, his/her transport/repatriation
shall be performed under medical supervision if necessary by the most appropriate means chosen and decided upon by
Mondial Assistance France.

4.2 Return of the children under 15 years of age, who were accompanying the holder, if no one is able to take care of them
after the implementation of a service defined in paragraphs 4.1 or 4.3.

4.3 Transport of the body in case of death of the holder of the Carré Neige to the place of burial, excluding any funeral costs.

4.4 Replacement driver to take the holder of the Carré Neige's vehicle home, if none of the passengers are able to drive,
following the implementation of a service defined in paragraphs 4.1 or 4.3.

Carré Neige holders resident in the following countries are entitled to assistance :
Andorra - Austria - Balearic Islands - Belgium - Bulgaria - Canary - Islands - Denmark - Finland - Germany - Gibraltar -
Greece and Islands - Hungary - Inland - Spain - Iceland - Ireland - Italy and Islands - Liechtenstein - Luxembourg - Madeira -
Malta - Metropolitan France - Norway - Netherlands - Portugal - Principality of Monaco - San Marino Republic - Slovak Republic -
Czech Republic - Romania - United Kingdom - Russia (European part) - Sweden - Switzerland - Turkey (European part).





5. EXCLUSIONS
Exclusions common to the insurance and assistance :
the guarantees shall not be considered as having been acquired in the following cases :

• Illnesses or any accidents during the month preceding the purchase of a “mechanical ski lift pass”,
leading to medical care, and which the Insured is aware of
• Pregnancy and complications due to this state, childbirth and follow-up (motherhood), and abortion.
For assistance the exclusion is limited as follows: incidents related to a pregnancy in which the risk was known before leaving
and their consequences - birth included - and in all cases incidents due to pregnancy from the 36th week and
their consequences – birth included
• Health spa therapy, necessity for aesthetic treatment not connected with the event under guarantee, psychic treatment
or psychotherapy including a nervous breakdown
• Hospitalisation following a suicide attempt or any lesion caused intentionally by the Insured
• Illness or accidents due to alcoholism, drunkenness, use of medicines, drugs or narcotics no prescribed by a doctor
• Periodic medical check-ups, examination or observation
• Accidents that result from a voluntary act by the beneficiary of the Carre Neige or the consequences of fraud
• Accidents caused by the participation in motorised sports (both on land and in the air), hang-gliding, paragliding,
bobsleigh, skeleton and ice hockey
• Accidents which occurred during professional sport competitions
(tests and competitions within the ski schools – flocon, star tests, fleche etc. will not be included in these exclusions and
are therefore guaranteed)
• Expenses relevant to the guarantee “Assistance” undertaken without consent from the insurer
• Consequences resulting from a risk of infection, in the context of an epidemic, due to exposition of biological or
chemical agents eg. Military gases, incapacitating gas, nerve gas and residual intoxication which lead to quarantine or
specific prevention or surveillance measures administered by international or local sanitation authorities in the country in which
the “insured” is staying and/or person in their own country

To consult the guarantees available www.carreneige.com or Tel. 33 (0)4 79 07 36 11
EUROP ASSISTANCE - SA. with a capital of 23 601 857 EUR.Company controlled by the Code des Assurances - 451 386 405 RCS Nanterre.
Head office: 1 Promenade de la Bonnette - 92230 GENNEVILLIERS - Tel 0033 (0)1 41 85 85 85 - Fax 0033 (0)1 41 65 83 08.




What to do in the event of an accident
INSURANCE
Your reimbursements will be ensured by the DIOT Montagne Assurance Agency.
ASSISTANCE
To arrange your repatriation, call 33 (0)1 41 85 85 96

In case of accident, send your insurance claim within the eight days following the accident duly completed
and signed to :

DIOT MONTAGNE ASSURANCE
CARRÉ NEIGE - B.P. 19 - 73701 BOURG-SAINT-MAURICE CEDEX - FRANCE

Attention :
the deadline for sending in the claim is shorter for reimbursement of the ski-lift passes (please refer to paragraph 2.1 of the guarantees).
Do not forget to attach the following to the claim :
• THE ORIGINAL OF THE LIFT PASS AND/OR PROOF OF PURCHASE.
• THE MEDICAL CERTIFICATE detailing the nature of the injuries and stating whether or not the injured person is in a fit state to ski

Warning :
• Following the postage of your claim, please wait until you receive your file reference number before sending any other mail.
For any other request for information concerning your file being processed, please call the Carré Neige approved management centre
on 33 (0)4 79 07 36 11 or 33 (0)4 79 07 36 12 - Fax: 33 (0)4 79 07 40 75 - neige@diot.frThis e-mail address is being protected from spam bots, you need JavaScript enabled to view it
• Do not attach the claim forms for the reimbursement of medical expenses: they must be sent directly to your
compulsory state scheme


Prices
• Daily price per person € 2,70
• Contractual price, 10 to 21 days € 27
• The Carte Neige still exists in a yearly version, individual or for the family (downhill or cross-courntry skiing).
It is for sale at your sports club or ski school


The Carré Neige supports Savoyard skiers and assists in the training of their champions.
Information :
Comité de Ski de Savoie (85 clubs) :
www.skisavoie.asso.fr or Tel. 33 (0)4 79 31 10 80

• Activities available
• Addresses, e-mails and useful telephone numbers
• Other information
Comité Ski Mont-Blanc (125 clubs) :
www.comiteskimb.com or Tel. 33 (0)4 50 23 30 88
• Activities available
• Addresses, e-mails and useful telephone numbers
• Other information
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 Poster: A snowHead
Poster: A snowHead
plectrum, yes, that's where I saw I might be wrong on repatriation. I'm not convinced though that credit card insurance woudl give you cover if injury was incurred while undertaking winter sports - more research needed, I think.
ski holidays
 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
holidayloverxx, If my partner had to be flown home .... I'd see her in a week Smile ROFL

Also what ski specific sitution are we talking about where the situation is so serious that both parties need to fly home immediately?
snow report
 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?
holidayloverxx, No the CC would give you sweet fexk all and it depends on the level of Credit Card you have also. Some though would insure your holiday costs.
ski holidays
 You need to Login to know who's really who.
You need to Login to know who's really who.
holidayloverxx, not all credit card cover for winter sports includes off-piste. Notwithstanding comments that there cannot be a 'little off-piste' I have been in situations where it was far from clear where the piste edge was. And of course for those who want to ski off-piste more cover is required.
ski holidays
 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
Jonnie, I don't think Carre Neige is valid outside France, it may work if you get Carte Neige but then i do not think ti is any cheaper than standard UK available insurance.
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 You'll need to Register first of course.
You'll need to Register first of course.
plectrum, well i'd like to think that if Mr HL were injured I would want to travel back with him to make sure he was OK at home and stuff...not sure he would feel the same if it were the other way round though wink. mind you if it was life threatening, I'd need to get home to check the life insurance....
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 Then you can post your own questions or snow reports...
Then you can post your own questions or snow reports...
holidayloverxx wrote:
Jonnie, it's a French thing, but I did read somewhere on here that othr countries have similar, austria maybe.

link
http://www.carreneige.fr/uk/Contenu_qui.htm

and here

http://carreneige.com/index.php?lang=english


Any news on an Austrian equivalent?
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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!
achilles, agreed. My LloydsTsb policy does cover off-piste. I think we are agreeing that "proper" winter sports insurance is a good thing and needs to clearly set out what is covered, but the carre neige is valid as long as the rules of the lift pass are followed. I'll just keep paying for both insurance and carre neige and not rely on credit card cover.

anyway, what am I saying, I'm going to Canada, so note to self.....humungous credit card limit as well, I reckon
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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.
boyo it was just something I thought I had read here. you would need to doa search or research on google.
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 Ski the Net with snowHeads
Ski the Net with snowHeads
holidayloverxx, I see your point, TBH insurance is all based on probability. I feel quite secure being insured myself and that others in my party are insured. I cannot see a likely occurence where I would need to fly back to UK whilst accompanied by a partner. I am not sure that an insurer would even transport you home early with a broken limb or torn ligament. In terms of life threatening ski specific accident, this is highly unlikely and as such I do not really think it is worth paying money for something that is not going to happen. If I was skiing 50 degrees fall lines, hiking along dangerous ridges or hurtling down WC runs then things would be different and the probability would change.

The way I see it is that it is more likely that I get hit by a car crossing the road tomorrow than have a life threatening ski accident.

By the way getting home to check the life insurance ..... cold, pure ice!
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 snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
BTW I use Snowcard at the moment
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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.
plectrum, got to look after number one wink
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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
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
plectrum, so now you throw in that you do have "proper insurance" rolling eyes . actually, I'm going to check that out...
snow conditions
 You know it makes sense.
You know it makes sense.
Can’t speak highly enough of CN used is the 3V’s and excellent, just showed the ticket to the Piste patrol, and then couldn’t do enough for my girlfriend. Even sorted out a cheap taxi from Meribel to Val Thorens, which we could claim back.

Dog tag were also very good and were able to claim most of expenses back. I would of thought our Dog Tag would have been enough but with CN I am sure we got better customer services from the medical staff.

I have always brought it and will continue to buy it, after all its less then a beer.

One question I am off to PDS at Easter what happens here as I will be staying on the Swiss side and will be skiing both sides daily, does the CN cover both sides, does it matter which side I buy from?
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 Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
Bare in mind that DogTag is very nuanced in its off-piste cover, like most British "winter sports" policies. Nothing wrong with that, presumably the premium reflects the risk but everyone should read the full policy document of their insurance.

I personally don't bother with Carte Neige as I am already covered for piste rescue via my credit card and off piste via my winter sports insurance. As some of you will have seen above, Carte Neige uses Mondial Assistance so if your existing insurance uses Mondial you are effectively paying twice for the same service. Still, in case of doubt, better over insured than not properly covered as Rob says.
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 Poster: A snowHead
Poster: A snowHead
davidof,
Quote:

Bare in mind that DogTag is very nuanced in its off-piste cover

By that do you mean vague or deliberately very specific?
I must admit I didn't use Dog Tag for my annual as I couldn't understand their definition of 'closed' areas including off piste. Confused


Last edited by Poster: A snowHead on Mon 21-01-08 8:48; edited 1 time in total
snow report
 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
holidayloverxx, I am ski touring in areas which have level 3 avalanche warnings, it is slightly different to Butterfly's needs.

(Butterfly, Formerly known as NewSkier, I am a nervous lady skier of a certain age, still struggling to get beyond snowplough turns and finding the steepest sections of blue runs rather challenging!)

jtobin03, The issue's can come when the rescue service is being supplied by a private company rather than state funded. On come occasions helicopter's are provided in this way and as they are private the company is concerned about the bottom line, getting paid. Also I do not have a £5,000 pounds limit on my CC and would hate for a 20 min discussion to happen on my mobile with insurer before being airlifted.

To all, holidayloverxx, is right even though I am not trying to mislead....always make sure you are correctly insured for the activity you intend to undertake. Personally I feel that if you are skiing in France on-piste then Carre Neige is enough but this will only cover on piste activities.
snow conditions
 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?
davidof, have a look at Snowcard as they specifically ask you to state which type of snow sport you will be doing. I choose Level 4 for off piste ski touring and as such have the specific dangers of this sport firmly covered without compromise or confusion.
ski holidays
 You need to Login to know who's really who.
You need to Login to know who's really who.
davidof, Having just checked Dog Tag's website they have added off piste to their FAQ section
Quote:
Q. Do you cover Off Piste Skiing and what is the definition of Off Piste?
A. Off-piste is defined as venturing over ungroomed and unmarked slopes but within the ski area or resort boundary, i.e the area covered by ski patrollers or managed by the resort. Most resorts designate off-piste areas and mark them as itineries on the piste map. If you are uncertain about a particular area, do not go there.

Some people understand off piste (or backcountry) skiing or boarding to mean ‘going out of bounds’, i.e. outside the resort. If you are going out of bounds or outside marked areas of the resort, you are advised only to do so with a fully qualified local guide. Even some areas within a resort may be considered out of bounds because they are hazardous. In some parts of North America, going out of bounds contravenes local law and you may face arrest.

It is your responsibility to ensure that on any particular day you are aware of and obey local advice, information and instructions given by the resort authorities and that you obey any signs and information you encounter on the mountain. If a section is marked 'closed' there will be a very good reason for it (e.g. high avalanche danger) and ignoring such signs or advice will invalidate your cover. You should be aware that under the terms of cover, needless self-exposure to peril except in an endeavour to save human life will invalidate your cover.
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 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
I do a lot osf skiing with owning my own ski hire company.......in a word YES it is really cheap and a must!
Do not hesitate to purchase one.
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 You'll need to Register first of course.
You'll need to Register first of course.
boredsurfin, after earlier discussions (I use Dogtag) I read this and worked out that in Tignes - where I was going - the off piste down the side of Creux/Tommuesse area to La Daille is off piste and therefore covered but the Tour La Charvet behind Grand Pre is marked as out of bounds and therefore not covered without a ski guide. Did the first but still have to do the latter. Anyone elses assessment would be welcome.
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 Then you can post your own questions or snow reports...
Then you can post your own questions or snow reports...
Hmmm not a very good FAQ answer from Dog Tag. On the one hand they define off-piste in such a way that would exclude 'backcountry' out of bounds skiing. Then they go on to give cautionary advice about backcountry skiing with the implication (no more) that it would be covered by a policy if you did it responsibly.

My experience of the insurance industry in general (never used it for skiing yet thank god) is that if they can find a way out of paying up, they will. This would make me extremely nervous of skiing legally but out of bounds on a Dog Tag policy without seeking clarification first. Otherwise after the unfortunate fact, it will be up to the loss adjuster to decide if your backcountry exploits were 'needless self-exposure to peril', and it may be hard to convince him that you 'needed' to do it!

Personally after skiing a season on SCGB insurance and then hearing bad things, after looking around and reading comments here, I selected Snowcard. One of the things I liked about it was that it's not too stringent on the theft-of-skis-if-left-outside-a-restaurant issue. Sorry that's a little off topic for the thread, but worth repeating for anyone considering the options.

However, to go back on topic, when skiing in France I always pick up carre neige cover for our stay. As others have said, it's not a great cost - and if I or my girlfriend are ever lying in any degree of pain on the mountainside I do not want to be debating issues of cover and reaching to get my wallet out of my pocket and enter my PIN before being taken down to the hut!
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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!
OK, just so as I've got this clear.

In two weeks time in Switzerland with me, young daughter and son skiing blues on pistes and DH waiting at the foot of the slope and not skiing, all I need is the family cover winter sports insurance that I've just bought from Insure and Go for the week we are away, Yes?

When I to France with many of you in April I need to buy some more winter sports cover from Insure and Go - Yes?,
and I should also get this Carte Neige insurance - Yes?

As I will only need this for the week I'm in France and it will be cheaper to buy it on a daily basis - Yes?

I can buy this in VT on a daily basis when it is called Carre Neige - Yes?

Have I got this right?
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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.
Megamum, you seem to have that right. The only caveat being I have no idea who Insure and Go's underwriter is or how comprehensive is their policy, but from the sounds of it it will be perfect for your first trip at the very least!
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 Ski the Net with snowHeads
Ski the Net with snowHeads
Megamum, your VT trip - you buy as many days as your lift pass is valid for, you don't need to buy it separately every day.

yes to everything else.

You might consider annual insurance for future years wink
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