 Poster: A snowHead
|
We nearly got caught out by this with Insure and Go as we drive, so can actually only do one of our trips in the standard 17 days and 24 days *just* covers the two, depending on when schools break up for Christmas. Driving adds an extra day on both ends, even though these days are nowhere near a mountain.
What annoys me more, is what they classify as extreme. They all cover ice skating, but if i decide to take a stick and puck on the rink at the bottom for an hour, I have to go to the next level of cover. Apparently its just as gnarly as heli-skiing and 'ski-acrobatics' to play ice hockey, something i classify as a lot less risky than hooning down a mountain. It's safe to say, I use my ability to self insure for that one.
|
|
|
|
|
|
Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
|
lampygirl, but Insure and Go have said only ski days count towards your 17 or 24 day annual winter sports allowance, so your driving days don't count  (but you wouldn't rely on what I've said, you;d check for yourself I'm sure!)
agree on the "extreme" point, although I woudln't self insure for ice hockey!
|
|
|
|
|
|
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?
|
Full marks to Snowcard. The owner has replied already to my email and given a holding reply which sets out some good explanatory points, but does not adress the main point of counting travel days against your skiing days alowance on an annual multi trip policy, He says he will look at this thread and get back to me. he is also happy for me to quote him here. I'm not going to because a) I can't access my email on my work PC so can't copy and paste, and b) I'd rather have the travel days point answered forst.
maybe he'll join up and post here himself - hope so!
|
|
|
|
|
|
You need to Login to know who's really who.
You need to Login to know who's really who.
|
Oh no, he'll now suss out the bit where we lie about this being our first trip 
|
|
|
|
|
|
Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
|
holidayloverxx, you asked about the "ski days" on the MPI policy. I just dug out my insurance certificate. It clearly says it covers "up to 31 days wintersports any one trip" and my trip length is 60 days (not that any of my trips will be that long, but 45 days wasn't quite enough). This was an important point for me as a policy which covers 60 days wintersports on a 60 day trip is far more expensive (that's what I had with Snowcard).
I don't by any means ski every day when in the Alps. Indeed, of the 8 days of the Birthday Bash (including the two travelling Saturdays) I shall have skied only 4 days, given the circumstances.
|
|
|
|
|
|
You'll need to Register first of course.
You'll need to Register first of course.
|
|
When I asked on the phone the person we spoke to was unsure, we went elsewhere, as although annual, we were renewing a week before we left and didn't want to risk it. It seems that many insurance companies can't seem to come up with simple policies and clearly state that information. Yes their policy wording says we cover that many days of xyz activity, but would it really hurt them to say travel days as part of a winter sports trip or similar do not count towards this limit. Then it's not confusing to the average holidaymaker. All the companies involved in providing time limited insurance like this could put it on the comparison table they always give you for levels of cover, then it's clear.
|
|
|
|
|
|
|
|
| holidayloverxx wrote: |
Insure & Go Black Policy
24 days winter sports cover per year. ONLY ski days count. I tested the customer service person by citing a travel fri/sat, ski sun - fri, travel sat/sun scenario. Definitely 6 days from your 24 allowance he said. Then if you have used your 24 days you can ring up and buy an extension (or do it up front) to buy 31 days winter sports cover.
So Snowcard need to get with the programme....I have pointed them to this thread. Let's see if I get a response. |
holidayloverxx thank you very much for checking this, that makes it much better, actually allows for 4 'weeks' skiing plus travel days then, and good to know you can extend to 31.
|
|
|
|
|
|
|
|
|
I Am still corresponding with snowcard. I wil post with more detail over the weekend ....when sober
|
|
|
|
|
|
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.
|
|
Still corresponding with Snowcard. Russell, the owner, is relaxed about the general concept of counting skiing days and really gets that the customer wants clarity so is pondering how best to communicate the precise terms of the policy. There is also the ambiguity of what constitutes a "week". Russell considers that a week is weekend to weekend, including travelling and can be anything from 6 to 10 days so I've asked whether my 3 trips were actually only 3 "weeks", and if they were then there is some misunderstanding by Snowcard's staff and I might be able to downgrade the policy as Canada will be covered by my original cover (although I would have to upgrade to Max adventure for dog sledding). Then I'd need to buy 5 days cover just for me for my 5th week
|
|
|
|
|
|
|
|
| fatbob wrote: |
Poor form - if the policy states 28 days that's what I expect - not everyone takes their skiing in nest 7 day packages like you suggest. What if I tack a weekends skiing onto a 1 week business trip - I've burnt 9 days of alllowance?
Not a ringing endorsement for a specialist ski insurer. |
IME of asking, no, in that case 'travel' should be your travel to the slopes as they were not covering your business trip (your employers insurance was). So I fly to NY on monday for work and on friday I drive to Vermont, spend two days on the slopes and drive back Sunday, work Monday-weds and then fly home. - I've used up 3 days fri,sat,sun. Same as taking a long weekend from my normal home location.
Admittedly it probably would involve some mails and phone calls to make it stick...
aj xx
|
|
|
|
|
|
snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
|
|
I've updated the first post - full marks to Snowcard!
|
|
|
|
|
|
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.
|
Just because it says it in the small print doesn't mean it'll stand up in court. I've direct experience of insurers attempting to wriggle out of their responsibilities unreasonably and finding it's hard to get away with it under UK law. Unreasonable contract terms won't hold up.
I've no idea if it's reasonable to charge you for "winter sports" when you're in fact not doing winter sports. Perhaps someone's tested that, perhaps they haven't.
On the other hand, personally I feel little need to be insured to walk across the tarmac at a Canadian or French airport. Extreme it's not.
|
|
|
|
|
|
|
|
I'm now having second thoughts about Snowcard, having just received their renewal reminder.
Like holidayloverxx, I've found their service (when I've needed it) to be excellent, but I am concerned about this identification of the whole trip being counted as time taken from your allowance, since I also like to take a couple of days off when on business trips across the pond (where turning out to have lack of cover could turn out to be seriously expensive were I to find myself in a collision with a litigous native).
I'll certainly look forward to seeing if we get any more clarity on this issue.
|
|
|
|
|
|
You know it makes sense.
|
|
Acacia, we did. I edited the first post. A week can be anything from 6 to 10 days so no counting of travelling time if you are doing a weekend to weekend trip. If you want something different I suggest you csll them.
|
|
|
|
|
|
|
|
FAQ
