 Poster: A snowHead
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Just checked a couple of winter sports travel insurance policies and they all state cover for on piste only. Is there a policy that covers off piste or do people just accept the risk?
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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@oz, There are plenty in the UK but don't think they would cover non-UK residents.
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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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try dogtag.com
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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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Carte neige
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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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bmc or Austrailian equivilant. Try looking at people who cover mountaineering rather than skiing. I hear good things about the the Austrian Alpine Club
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You'll need to Register first of course.
You'll need to Register first of course.
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MPI Brokers are my current insurers.
Snowcard is another more expensive option.
Definitely need cover of some sort - worst case scenarios can be very costly.
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+1 for MPI
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Thanks. Now I know you can get cover I'll look around a bit harder
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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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MPI for me.
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Insure and go
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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Try ski club of GB
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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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German Ski Club: http://www.ski-online.de/ski-insurance.html
More like standard travel insurance than the Austrian Alpine Club, which (IIRC) only really covers you for rescue, emergency medical needs and repatriation.
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We use a combination of AAC, ADAC and home insurance to cover most stuff.
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You know it makes sense.
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I work out the costs, then self insure.
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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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Self insurance for problems you can afford to pay for makes financial sense. But SAR and helicopter time is expensive and I wouldn't want to have to pay myself for fancy treatment in a US hospital. Losing my baggage or having skis nicked, I can cope with.
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Poster: A snowHead
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| muddewater wrote: |
| Insure and go |
+1
I've used their Black level annual cover for a long time. Had one claim, probably ten years ago now, when my missus had a couple of compression fractures in her spine and their claims process etc was excellent.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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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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| pam w wrote: |
| Self insurance for problems you can afford to pay for makes financial sense. But SAR and helicopter time is expensive and I wouldn't want to have to pay myself for fancy treatment in a US hospital. Losing my baggage or having skis nicked, I can cope with. |
The OP asked what people do, that's what I do. I don't care what others do: that wasn't the question.
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Perhaps we should not derail this thread. However to pick up on your points:
- The retail cost of heli time is about CDN$2,000 an hour collective, although often it's free depending on precisely where you're riding. Here's the BC SAR web site. Like the UK, it's free. http://www.bcsara.com/about/sar-in-bc/
- The costs of spending the rest of my life in a Canadian hospital would be expensive, and the cost of repatriation significantly less. The average UK house is worth significantly more. If you're facing long term hospitalisation in the UK then you'll likely be on CHC ("Continuing Health Care") or what used t be called "section 2 and 5" which is broadly the Local Authority equivalent of funded care. Your life has to be fundamentally broken, but money isn't likely to make a lot of difference either way if it is. I have no dependants.
Lost baggage remains covered by the airline, as are all the other airline related things including death.
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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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| Quote: |
Lost baggage remains covered by the airline, as are all the other airline related things including death.
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Interesting, but I met a couple on a ski holiday who had had their skis stolen. The theives hacksawed the roofrack off the car and took them when they were parked. My wife had her skis stolen while being transferred by the clalet company from the coach drop off point to the chalet, we suspect by one of the staff offereing to do us this "service". Somehow I doubt an airline would cover it.
But I agree with@pam w, I save quite a lot on my travel insurance by not ticking the "lost luggage" box, or indeed the missed departure, etc. We have had skis stolen once in over 30 years of skiing. They cost IIRC about £300 so the £20 per annum extra on the insurance is not worth it.
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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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I don't care what others do
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Well, I find that interesting and informative but, like you, have set out my own views.
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You'll need to Register first of course.
You'll need to Register first of course.
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The thieves hacksawed the roofrack off the car and took them when they were parked.
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That's determined! Can't believe any of my skis even when new would be worth that risk.
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