 Poster: A snowHead
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Hi,
I'm wondering if anyone can chip in with some advice for travel insurance.
I am going travelling for a year and I will be spending a ski season in Big White in Canada. I need travel insurance for the entire year, but, when I add winter sports cover, it adds it for the entire 12 months. I only need winter sports cover for 5 out of the 12 months.
I am speaking to a few brokers, but I wondered if anyone had this issue before?
I tried to find just winter sports insurance, thinking that I could get year-long travel insurance and then add 5 months of winter sports cover on top. However, the only winter sports cover I can find includes travel insurance, which would mean I would be paying for two lots of travel insurance cover.
Any help would be appreciated 
Thanks, Ian
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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Dogtag allow you to specify how many days of winter sports you are doing. Not the cheapest though.
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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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Thanks flaming. You're right, they're not the cheapest, but I guess you get what you pay for!
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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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A standard TI policy with winter sports cover would only cover a set number of days anyway. I presume you want to cover off piste without a guide also and again many standard policies will not cover that. Snowcard is another specialist to check out.
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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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Thanks Layne. I'm having to look for long stay or gap year policies to cover that amount of time.
I've just found one called Top Dog Insurance (www.topdoginsurance.co.uk), which lets you specify how long you need winter sports cover for. It works out at just under £400 for their medium (Gold) package.
It includes on and off-piste in recognised and authorised areas. Big White boasts that it is almost entirely skiable, but I don't know what the limitations would be on which off-piste parts are "recognised and authorised".
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You'll need to Register first of course.
You'll need to Register first of course.
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| thebronsonite wrote: |
| It includes on and off-piste in recognised and authorised areas. Big White boasts that it is almost entirely skiable, but I don't know what the limitations would be on which off-piste parts are "recognised and authorised". |
Looks like the policy wording talks about resort boundaries. So long as you're skiing within the resort boundary and not in any areas that they've closed off, you'd be fine. No venturing further afield though.
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MPI Brokers are good. They covered me for the year including 3 months skiing (in Europe). Ring them if you can't get an online quote.
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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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If Serriadh is right, then I'll just be limited to the 2,765 acres of skiable terrain. What a shame!
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thebronsonite, what Claude B said, MPI are ski specialists and very helpful on the phone.
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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Thanks Claude B and Pedantica, I've contacted MPI and they sent a quote through. Their comparable offer to the Topdog quote I posted above comes out at about twice the price (£777.68 ). I'm sure there are marked differences in the small print, but the main stuff is comparable and that's quite a leap.
Last edited by snowHeads are a friendly bunch. on Tue 19-08-14 17:39; edited 1 time in total
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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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thebronsonite,  Their price for me was very good (about £150) covering all the off piste etc that I needed. That is a lot.
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Claude B, that includes 12 months travel and 5 months winter sports. What were you getting cover for?
They had a cheaper option, but it was very, very basic.
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You know it makes sense.
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thebronsonite, It was £161. Annual Single Europe inc trips up to 60 days inc 60 days skiing per trip (I did 9 weeks in total, 3 weeks and 6 weeks). Good cover inc off piste without guide, etc. I suspect the sharp increase is because it's Nth America and 5 months uninterrupted skiing.
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Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
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I imagine you're right, Claude B, but it seems like quite an increase even for that.
I'll email them back and see what they say, although I very much doubt they can drop it too much, if at all.
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Poster: A snowHead
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I would also imagine that the North America bit would increase the cost. We use MPI and we are able to exclude things that we do not normally need to have covered. Worth a phone call to discuss it.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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| Quote: |
I suspect the sharp increase is because it's Nth America and 5 months uninterrupted skiing.
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+1
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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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| Pedantica wrote: |
| thebronsonite, what Claude B said, MPI are ski specialists and very helpful on the phone. |
Yep, website is here, was just checking myself: http://www.mpibrokers.com/ .
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You need to Login to know who's really who.
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Thanks everyone. I got a response from MPI, who said their winter sports cover is of a very high standard. The only reduction would be if I bought a summer package, then a separate winter sports package, but it doesn't reduce it much.
The difference in the policies is quite large from what I can see. The Top Dog Gold package beats the MPI Standard package on 24 out of the 45 sections in terms of amounts covered (E.g. Top Dog £10m emergency medical expenses v MPI £5m), they draw on 7 sections and MPI "wins" in 14 sections. In reality though, there is little difference in most of the sections MPI wins on, such as up to an extra £50 for piste closure (if anyone wants it, I have a full list comparing the two - PM me). The biggest thing MPI wins on is £5m personal liability vs £2m for Top Dog.
My guess is that MPI provide a much better level of service and probably cover a lot more smaller things to make claiming a lot less stressful. However, with my very limited knowledge of insurance policies, my gut feel is that it isn't worth paying twice the price.
I am far from an expert in insurance though, so this is just my opinion and please do your own research! I'm just posting this up to help anyone else who may be looking into this sort of thing
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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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Thanks for posing up the outcome thebronsonite. Always appreciated.
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