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The annual "Annual Insurance" thread. This time with added Covid-19.

 Poster: A snowHead
Poster: A snowHead
nickH wrote:
thats fine thanks @cad99uk, if I can do 3 weeks a year I'll be happy ( though I'd obviously prefer much more) snowHead


Your time will come....
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
Just looking at a potential policy and noticed that "Winter Sports" cover doesn't even mention hospitalisation & medical - that's covered in the main section of the policy.

The WS cover is for things like lift passes, avalanche closure etc.

It begs the question - do I need separate WS insurance?

Is EHIC + Carte Neige sufficient???
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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?
@NickYoung, Does Carte Neige cover Repatriation ??
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 You need to Login to know who's really who.
You need to Login to know who's really who.
@albob, Yes, it does.
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 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
https://carreneige.com/en/nos-offres/carre-neige-integral/

5.REPATRIATION ASSISTANCE (EUROP ASSISTANCE)
Transport & Repatriation - Actual expenses
Return trip for children under 15 years of age Coverage of 1st class return train tickets or economy-class plane tickets, with a chaperone,
if required
Transportation of the body in the event of death
Coverage of the transportation of the body, the preparations, and specific
transport adjustments for the transportation of the body
Contribution to the cost of a coffin or urn: €1,500
Replacement driver
The driver’s travel expenses and salary
or a 1st class train ticket
or an economy-class plane ticket
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 You'll need to Register first of course.
You'll need to Register first of course.
Roger that -- I have been looking at the website and couldn't find any details (as you have just posted..)
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 Then you can post your own questions or snow reports...
Then you can post your own questions or snow reports...
https://carreneige.com/en/nos-offres/
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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!
@cad99uk, snowHead snowHead
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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.
NickYoung wrote:
Just looking at a potential policy and noticed that "Winter Sports" cover doesn't even mention hospitalisation & medical - that's covered in the main section of the policy.

The WS cover is for things like lift passes, avalanche closure etc.

It begs the question - do I need separate WS insurance?

Is EHIC + Carte Neige sufficient???


Check for yourself but on policies I have had if you don't pay extra for winter sports you won't get the hospitalisation and medical cover for a winter sports accident. Pisteurs may take you to a private clinic where EHIC isn't valid...in fact very likely...so you would have to pay for expenses up front and claim it back from carre niege. That's not necessarily an issue but with both my claims the insurer settled direct with the ambulance, clinic etc
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 Ski the Net with snowHeads
Ski the Net with snowHeads
holidayloverxx wrote:
NickYoung wrote:
Just looking at a potential policy and noticed that "Winter Sports" cover doesn't even mention hospitalisation & medical - that's covered in the main section of the policy.

The WS cover is for things like lift passes, avalanche closure etc.

It begs the question - do I need separate WS insurance?

Is EHIC + Carte Neige sufficient???


Check for yourself but on policies I have had if you don't pay extra for winter sports you won't get the hospitalisation and medical cover for a winter sports accident. Pisteurs may take you to a private clinic where EHIC isn't valid...in fact very likely...so you would have to pay for expenses up front and claim it back from carre niege. That's not necessarily an issue but with both my claims the insurer settled direct with the ambulance, clinic etc


Yeah it seems to say CN will only cover for hospitalisation etc., that your own primary insurance DOESN'T cover - and you musta have primary cover.

Unclear whether that includes EHIC, though that's what it seems to suggest. Defo a pay out & claim back thing though.
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 snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
Am in the process of organising a large school group in December and got a very good quote from Rush Insurance for around £30 per head, with full COVID cover.
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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.
@snowhound, that sounds good. Does it include cover for cancellation related to pandemics, eg Covid, do you know?
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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
Yes, including not being able to travel if you were to test positive before departure (in either direction).
This is on top of the usual cover you get through an ATOL bonded company-E.g. if the resort is closed, or if FCO advice is not to travel.
Worth adding it is for 15-18 years old though whose risk of illness from COVID is very low. The main insurance risk I suppose would be not to travel because they have got themselves infected, not because they need medical treatment.
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 You know it makes sense.
You know it makes sense.
Fairly academic at the moment, but just the usual comment that all this great insurance cover is useless if you don't have all the key details on you when you're helicoptered-off to the nearest trauma A&E.

I always remember being in a group and asking if everyone had all their contact, insurance and EHIC details with them - one person said "No, why? I'm with {X} - he's got it all." to which I said "And if you get separated? Or taken away on your own? What if you're unconscious or high on Morphine? How will anyone know who you are, or who else to contact? Would you leave your money and cards behind?" to which they replied "Well, {X} has got my wallet and money as well. I like to travel light. But the EHIC's in my suitcase, if that helps?"
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 Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
@LaForet, good point. I have a template with all insurance and contact information on.
Carry copy in jacket, leave one in room on side table, another in travel document wallet as a spare.
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 Poster: A snowHead
Poster: A snowHead
@PeakyB, Oooh that's so last century. Smile

We have the detail in a PDF, shared in a Staff What'sApp group, so end to end encryption, and everyone (staff), has the info to hand at all times.*



*With thanks to a staff colleague who knows what he's doing.
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
@NickYoung, that sounds perfect for a group, if I only knew what WhatsApp was. wink

But what if I’m skiing on my own, get whacked from behind by an Olympic downhiller, or more likely Under 6s group local bomber?

I’m concussed, 20thC bones shattered. The St Bernard arrives, the emergency brandy revives me just enough to hand over my piece of paper with insurance and contact details. Paper in mouth, rescue dog rushes for medical assistance.

I have stuff on phone too but have been known to run out of power or have no signal in the mountains.

I like the shared group info idea but belt and braces back up is good too. Very Happy
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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?
@PeakyB, For your own info, yeah defo - maybe one of those lockets or bracelets??

[Enters GDPR nerd mode] Group info should not be printed and carried in an insecure manner (and locking it in a brief case defeats the object), which is why WhatsApp is spot on for that [Exits GDPR nerd mode]
ski holidays
 You need to Login to know who's really who.
You need to Login to know who's really who.
@NickYoung,
Quote:

@PeakyB, For your own info, yeah defo - maybe one of those lockets or bracelets??

It takes up an A5 sized page. Would be a locket the size of a Hasselhoff medallion. Very Happy

Will certainly try the group key info on WhatsApp idea, if others in group agreed.

Already use it for general comms on ski trips. Generally works well, with TMS to fall back on if no wi fi. Yodelling as a last resort.
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 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
Having switched to MPI last year for my annual wintersports travel insurance I've just renewed it as from 1st Feb. They make clear that the policy covers you if you contract Covid-19 while overseas under the Emergency Medical Expenses section, which includes hospital costs, ambulance costs, additional accommodation costs (if you are unable to travel home as originally booked) and repatriation if medically necessary, as long as the FCDO are not warning against travel to that destination. For all new policies there is no cover under any other section in relation to the coronavirus, apart from what has just been stated, unless you have booked any of the trips prior to 13th March 2020. So what this means is that if you have booked a trip after that date and it has to be cancelled due to the Covid situation in the UK or your destination country then you won't be able to claim against any cancellation costs.

The premium has increased by 8.7% which given the changes in the travel scene and that I'm a year older isn't too bad in my view.
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