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Ski Equipment Insurance

 Poster: A snowHead
Poster: A snowHead
Has anyone ever insured just their gear?
I have medical/repatriation insurance through Austrian Alpine Club but for the first time I have decent gear and would like to insure it against theft mostly.
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
Given what we do, and the costs, I always go belt and braces with insurance. Despite our full wintersports cover, when in France, we always get Carre Neige. My MPI insurance this year, for a year, with wintersports, is £149. At that price, personally, I would make some minor economy elsewhere and book both. You can never be over protected where insurance company's are concerned IMV
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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?
My policy is to insure against losses I really can't afford - medical, rescue, liability, house burning down type risks. Insuring smaller stuff is just giving money to insurance companies.

As it happens we do have equipment cover bundled with winter sports but if I could remove it for a decent discount I would.
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 You need to Login to know who's really who.
You need to Login to know who's really who.
@stubblepoo, you might be able to add it to your personal effects on your household contents insurance.
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 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
thecramps wrote:
Given what we do, and the costs, I always go belt and braces with insurance. Despite our full wintersports cover, when in France, we always get Carre Neige. My MPI insurance this year, for a year, with wintersports, is £149. At that price, personally, I would make some minor economy elsewhere and book both. You can never be over protected where insurance company's are concerned IMV

My concern with this would be if you have two different policies covering the same thing both companies will argue that the other should be paying.. Having said that I have occasionally had Carre Neige on top when I have forgotten my policy documents so I have something to point to the rescue folk.
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 You'll need to Register first of course.
You'll need to Register first of course.
@T Bar, they go 50/50
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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,
Cheers
snow conditions
 After all it is free Go on u know u want to!
After all it is free Go on u know u want to!
holidayloverxx wrote:
@stubblepoo, you might be able to add it to your personal effects on your household contents insurance.


Yes, the way to go if you can because home contents policies are 'new for old' and excesses are often lower or not at all, whereas travel policies account for depreciation to the point where a perfectly serviceable pair of skis that are 4-5 years old can be worthless. Other thing to look out for are 'single item limits' so the policy may show £2k of cover but max per item may only be £200.

Or........... just don't get your stuff nicked.
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