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The winter 21/22 insurance thread

 Poster: A snowHead
Poster: A snowHead
@Bob, that is worthy of a new thread - lot of people will bee keen to know
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
When I go to the MPI website:

https://retail.mpibrokers.com/#/start

It says:
Quote:
MPI is in the process of changing insurers and as a result this site will be down for updating and maintenance.

You can still access YourMPI account to view your current and older policies, however you won’t be able to obtain a new quote or purchase a policy quite yet, while we amend the site to accommodate the new updated insurance.

If you require an amendment to a current ‘live’ policy please email info@mpibrokers.com.

If you would like to obtain a policy for an imminent trip, please use the following links to obtain an insurance from one of three other providers with whom we are working.


And there are three links to other providers.

Puzzled 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?
@Layne,
Click on the link, takes you to one of the PJ Harman companys (travel specific insurance), Looks like MPI are referring.

I have used PJ harman before, without issue, or claim.
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OK.
Had a reply this morning from MPI.
Looks like MPI brokers are still in the process of getting their own agreements in place. In the meantime rather than leaving everyone hanging they have engaged with a like provider. The links on their website direct you to a provided which they feel will meet the majority of MPI customer needs, maintain MPIs values.

I have used PJ Harman previously so years ago (early '0's) without problem (actually without claim),they are travel-specific and have a 'track record'.
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 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
Cheers @Bob, wondered if I was going a bit nuts.
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Bob wrote:
Looks like MPI brokers are still in the process of getting their own agreements in place


Without wishing to overly call them out, this has been the story for over nine months. At the ski show in B'ham two months ago they were telling people "next week". If they haven't managed to replace their underwriting by now, at technically their peak sales opportunity, the chances only get slimmer. So I wouldn't hold your breath.
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 Then you can post your own questions or snow reports...
Then you can post your own questions or snow reports...
I think it's been over nine months, I'm sure when I liked for insurance last year for Dec 2020 they were not offering anything
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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!
Some real life feedback for everyone on LV insurance. I decided to go for them after reading this thread after using MPI for a number of years, and have already had cause to claim on my policy.

Popped out to Val Thorens a few weeks ago for the Grand Premiere - unfortunately my bag with all my clothing and snowboard in it didn't make it on the flight, and was delivered to me about 36 hours later.

Had a bit of a shopping trip at a Decathlon on the way to resort to kit myself out so that I could get out on the snow the next day (jacket, trousers, base layer, gloves, buff, socks, hat) and also some other essential supplies and clothing from a supermarket, and then hired board and boots for the day in resort.

Filled in their forms on return, sent it all off, and all the money has been refunded with no quibble at all.
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@jonnyboy93, that is very reassuring. We have also gone to LV this year after many years with MPI. And you get to keep a bit of new stuff too.
I remember when OHs bag was delayed getting to Vancouver when we were going to Whistler and he was able to buy new clothing, that would be near his body but I think he had to hire a jacket. And he could hire boots. Skis were going to be hired anyway. What was annoying was he had two identical Delsey suitcases as he had been working for two weeks prior to going to Whistler and yes, the suitcase with all the business suits etc arrived ok but not the one with ski clothing. I remember that trip well as I flew to meet him and I got the upgrade on the way over.
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Anyone live in Wales and managed to find insurance? I'm asking because the Welsh government continues to advise against 'all but essential travel' (reiterated today just as we were beginning to have hope about our trip) which seems to rule out most insurance. Having looked at our policy there is a general exclusion on travel to a destination where the FCO or local authorities have advised against travel for 'all but essential reasons'. The Welsh government could probably be defined as a local authority so therefore any claim for any reason would be invalid. So our insurance (and any other travel insurance as most have similar clauses) might be invalid. We are going to check tomorrow as I can't believe that the entire Welsh population can't get travel insurance but wondered if anyone else Welsh had come across this?
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 snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
@bastathecat I believe that the Nationwide Flex Plus travel insurance provides cover so long as the FCO advice is not against 'all travel'. You do, however, need a Nationwide account to qualify.
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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.
Hi there travelling to Italy on 15th (dolomites) and just started reading this thread as we’ll need insurance.

Do any policies people have used actually cover for ‘getting covid’ and not being able to travel?

The LV one folks are taking about is there a specific link or should I just search LV?

Son is diabetic type 1 so if anyone has any other recommendations would be appreciated.

TIA Neil.
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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
LV (as do most insurers) cover for a traveller getting Covid but there are other things not covered.

Here is what they do and don't cover.
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 You know it makes sense.
You know it makes sense.
Layne wrote:
LV (as do most insurers) cover for a traveller getting Covid but there are other things not covered.

Here is what they do and don't cover.


Thanks very much, just bought LV cover very reasonable.
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 Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
Hi All

My son and I are hoping to ski in Italy at half term and I've been told that as of Jan 2022 my travel insurance and winter sports cover must include third party liability and I'm really struggling to find an insurer who provides this. Have tried various ones on the comparison sites as well as Staysure and insure and Go (usual insurer) and so far no one seems to provide it.

Does anyone know of a UK insure who does?

Thanks
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 Poster: A snowHead
Poster: A snowHead
@mauddib, I'm fairly sure all insurance policies cover 3rd party ?

It usually called 'personal liability'

e.g. from insureandgo

"H - Personal liability
What you are covered for
We will pay up to the amount shown in the table of benefits if
you are legally responsible for:
1. You accidentally injuring someone; or
2. You damaging or losing somebody else’s property"
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
Hmmmm, that's odd cos I rang Insure and Go earlier today and they said they don't cover it Puzzled That's from their policy docs is it?

Will call them again in the AM
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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?
@albob, I agree ... it's part of the basic cover ... same as a Car !
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@mauddib, Yes - direct quote

Have a read -- https://www.insureandgo.com/travel-insurance/policy-wording
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 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
LV would not cover me for my existing heart condition. (I had a heart attack in 2020 and had a stent fitted). They would cover me for everything else.

Got accepted by SAGA. Not cheap, £174 for single trip (2weeks) cover; but includes all existing conditions and if I catch covid over there. Includes £2m third party/liability, which the Italians apparently now require. Had to try and explain that it wasn't through a tour operator. That was fun. Still, the main thing is I'm now covered. Now for the PreBB/BB double. snowHead Toofy Grin
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@Awdbugga, I have just taken out an annual policy with LV (mainly for their covid cover) :: I did notice that you could choose not to declare pre-existing conditions (without any cover for those obviously..) ; Unlike yours, mine are minor and I was tempted to just leave them out - didn't in the end because they only add £8.00 to the cost..
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 Then you can post your own questions or snow reports...
Then you can post your own questions or snow reports...
LV doesn't cover if the government puts Austria on the red list. Unlikely, but who knows for a month's time.

Anyone found a policy which does provide cover for the FCO reducing access to "essential only"?
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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!
@TopGooner, never used them but have a look at avanti and staysure
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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.
@albob, LV was £113 excluding my existing conditions. I'm just happy I managed to get insured.
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 Ski the Net with snowHeads
Ski the Net with snowHeads
@Awdbugga, Ouch...
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