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No Helmet Insurance

 Poster: A snowHead
Poster: A snowHead
Hi All,

Before I hear about how i should wear a helmet, it is my personal choice not to.

But can anyone recommend an insurance policy who don't require you to wear a helmet?
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
Hi Jason, I didn't know they do require you to wear a helmet Puzzled
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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?
@jason.peter1986, almost all of them don't require you to wear a helmet. Just look for the best policy for you.
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 You need to Login to know who's really who.
You need to Login to know who's really who.
@jason.peter1986, I've never seen one that does.
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 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
How about off-piste insurance with no helmet? Especially tricky to find.
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 You'll need to Register first of course.
You'll need to Register first of course.
@T Bar,
Seem to be a few policies that put in T%Cs without highlighting it.
E.g. Insure and Go (Black) ..
You must always adopt and follow the appropriate and recommended safety precautions when undertaking any winter sport activity inclusive of, but not limited to, the wearing of a safety helmet.
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 Then you can post your own questions or snow reports...
Then you can post your own questions or snow reports...
Be interested to hear what the premium for a policy which doesn't require it is. I appreciate "its my personal choice" but if we are segmenting into helmet wearers and non-helmet wearers, I don't want my premiums being affected by your personal choices!
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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!
Hamish wrote:
@T Bar,
Seem to be a few policies that put in T%Cs without highlighting it.
E.g. Insure and Go (Black) ..
You must always adopt and follow the appropriate and recommended safety precautions when undertaking any winter sport activity inclusive of, but not limited to, the wearing of a safety helmet.

Yes, I just found that in our insure & go policy too. Time for a rethink about insurers.
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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.
xyzpaul wrote:
How about off-piste insurance with no helmet? Especially tricky to find.

I used Snowcard for a couple of years and the last few years MPI - specifically because of clear policy on off piste cover. I am not aware of any helmet stipulations. Neither me or the wife wear one, two children do.
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 Ski the Net with snowHeads
Ski the Net with snowHeads
Well, since insurers go on hard data and statistical models rather than emotion I suspect you'll find that even if they did discriminate the actual difference in cost would be minimal. Ski helmets, whilst they definitely do provide some protection, are nothing like as protective as something like a motorcycle helmet so they aid with the more minor incident whilst making little difference to the major incidents which generate most of the cost to the insurer.
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 snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
You could take a look at BMC insurance, cheaper if you're a member but still not that cheap. May cover quite a lot more than you want but does cover off piste and touring. Nothing about helmets on line.
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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.
All Ski Club of Great Britain insurance policies include off piste cover without a guide, and do not require you to wear a helmet. I work for the Ski Club so no attempts at clandestine marketing here - just offering some hopefully helpful information. Most insurers that offer specialist winter sports policies (such as SCGB, MPI, Dogtag) do not require the use of a helmet.
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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
Hamish wrote:
@T Bar,
Seem to be a few policies that put in T%Cs without highlighting it.
E.g. Insure and Go (Black) ..
You must always adopt and follow the appropriate and recommended safety precautions when undertaking any winter sport activity inclusive of, but not limited to, the wearing of a safety helmet.


I don't think that actually says "whilst undertaking winter sport activity you must always wear a helmet.' It isn't that clear.

What I think it says is "whilst undertaking winter sport activity you must follow the appropriate and recommended safety precautions. Such precautions include wearing of a safety helmet" but unhelpfully it does not tell us who is doing the recommendation or under what circumstances they consider it would be appropriate.

No, I don't fancy arguing it in court with them.


Last edited by 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 on Tue 30-01-18 11:34; edited 1 time in total
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 You know it makes sense.
You know it makes sense.
@xyzpaul, As the others have said the main off piste insurers, BMC etc, will not require you to wear a helmet. @Blackblade, is right
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 Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
Cheers guys, hope it helps the OP too.
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