 Poster: A snowHead
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I'm just doing the pre-ski-trip insurance trawl, and am amazed that most ski insurance policies only cover skis upto £250. Even companies that claim to specialise in ski insurance (such as dogtag) aren't offering any more for a single item (or set).
If you own your skis:
A) how much did they cost?
B) what is the limit on your insurance?
C) who insures them?
My skis cost £360 (and that was £100 less than most places).
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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My annual policy (with Amex) covers winter sports item/pair/set up to £500. That's not quite enough to replace any of the pairs of skis that I have, but better than all the other policies I looked at.
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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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Plus you pay an excess - so can end up out-of-pocket at both ends...
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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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rob@rar.org.uk, but have you given your insurer the skis serial number(s) . . . and have you got a record yourself (as well as the original receipts)? . . . an acquaintance in the trade says there are new t&cs in the mill for next season.
Caveat Emptor and all that!
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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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| Masque wrote: |
rob@rar.org.uk, but have you given your insurer the skis serial number(s) . . . and have you got a record yourself (as well as the original receipts)? . . . an acquaintance in the trade says there are new t&cs in the mill for next season.
Caveat Emptor and all that! |
Not given the serial number to Amex becuase they've not asked for them, but I do have a record (of my Rossi 9X and 9S, but I'm not sure if my Metron B5 have serial numbers). Recepits are probably kicking around somewhere in the hellhole that I laughably call my fileing system.
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You'll need to Register first of course.
You'll need to Register first of course.
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| DavidS wrote: |
| Plus you pay an excess - so can end up out-of-pocket at both ends... |
Forgot to mention that: excess is £50 per claim, bringing my cover down to £450.
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rob@rar.org.uk, I had a Mamia RB67 and lenses replaced by an insurer solely because I had happened to give them a list of the serial numbers when buying the cover (household) . . . up to the point of me reminding them of that that and that including the comment that I would be taking them abroad, they were happy to tell me to (in insuranceezee) to f*** off.
Today, I have pics of every piece of kit I own + scans of purchase and registration documents, hosted on-line. anything gets nicked and the fuzz can get a pic and details without me having to carry a briefcase full of crap around with me.
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Masque, very organised of you, no doubt. I don't think I'll ever be able to reach that state of bureaucratic nirvana!
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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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rob@rar.org.uk, I'm not THAT much a nerd . . . nor that organised in real life . . . it just needed to be done for someone else and I figured, not a bad idea so in the process of moving a bunch of paperwork to storage (rather than trip over a filling cabinet), I photo'd and scanned. Now it's just something that gets done monthly as needed. Considering that most blokes spend more on their skis than an engagement ring (  duck and cover) It's a simple and easy record of ownership.
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Direct Travel Premier cover is £400 (£50 excess) , Premier Plus is £700 (£35 excess).
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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Just checked my(soon to be taken out)Post Office insurance.£700 cover with £50 excess.
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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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Also note that most policies will not cover theft of skiis if left unattended in a public place - including outside a mountain restaurant. WOrth checking the small print. I did not renew my policy with Lloyds-TSB this year as they would not cover this.
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My household cover allows for "sporting goods". i always presumed I'd claim under that too if I needed to.
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You know it makes sense.
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Yes, I have also £3K of all risks cover for personal belongings away from home on my contents insurance, - new for old too - which should cover the shortfall on my travel policy which only goes up to £300 - but does cover the skiis if left outside a mountain restaurant provided they are split (we always do).
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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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Helen Beaumont, snowskisnow, You'll probably find that there is a single item limit with these of around half the total.
In most cases you're very lucky if you get back half of what your skis cost you. Insurers consider wear & tear (even if skis are only a day out of the wrapper), their single item limit (normally £250), the excess (say, £50) and then consider how hard you might fight them for the money. You will get the run-around, much exchanging of letters etc and, eventually, most folks give in. It's far easier not to get them nicked...
davehk,
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most policies will not cover theft of skiis if left unattended in a public place
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... and why should they? The idea of insurance is to protect you from the unforeseen. Leave your brand new top-of-the-line skis unattended and you're virtually handing them to the thief. Why should I have to suffer higher premiums because people think insurers should cover their own stupidity.
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Poster: A snowHead
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JohnHill, not according to my policy booklet. It does state the single item limits for personal possesions (1500 total, 250 per single item). They also cover skis left outside a restaurant at lunchtime. There was a thread on this last year sometime.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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| davehk wrote: |
| Yes, I have also £3K of all risks cover for personal belongings away from home on my contents insurance, - new for old too - which should cover the shortfall on my travel policy which only goes up to £300 - but does cover the skiis if left outside a mountain restaurant provided they are split (we always do). |
does using a little ski lock cover this? I use one now since getting my skis stolen 10 years ago. I use it for my own peace of mind as I think it's a deterrent to the thief but not actually a real barrier if they really want them.
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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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Helen Beaumont, sounds a good policy, but I've just had an on-line quote with them (Direct Travel) and they want £800 for annual cover - cheaper to get my skis nicked!
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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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Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
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Dave Burt, what do you want covered, my annual family policy cost less then 100 quid.
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You'll need to Register first of course.
You'll need to Register first of course.
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Dave Burt, Good point well made.
IMHO we all worry too much about insurance, if you are REALLY worried then don't buy skis, just rent them.
Mine are insured, but if some toe-rag pinches them I'll no doubt be out of pocket - c'est la vie. Meanwhile I'm out there to have fun, not worry every day whether my skis are insured enough.
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Dave Burt, check which policy you selected. If you selected the single trip option for 365 days, it may come in as that, you need the annual policy option instead I think. Worldwide policy last year was only £140.
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Our insurance covers hired ski gear up to £250. Personal belongings away from home are covered for up to £500 per item so I guess my skis are covered under that.
Personally I always lock mine up, paranoia perhaps but I figure there's probably not too many people up a hill with wire/bolt cutters. A small lock only costs £10-15 and takes a few seconds to fit. If I can't find something to lock them onto then I lock them to Prog99's snowboard...would love to see someone trying to thieve skis/board chained together 
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