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The winter 21/22 insurance thread

 Poster: A snowHead
Poster: A snowHead
Has anyone first hand knowledge of underwriters' interpretation of the "off piste with a guide" clause? In other words, has anyone had a claim denied because they were unlucky enough to sustain an injury when not actually on a piste, no matter how far away from one, (and unfortunate enough for the underwriters to be aware of that fact)?

The follow-up question is, if such a denial of claim has happened, has it ever been challenged?

In my time I have happily followed guides down some "interesting" routes that I would probably have not attempted had the guide not been there. Toofy Grin

At the ripe young age of 72 this thread is of great interest to me and I thank DotM for starting it.
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
Yoda wrote:
Has anyone first hand knowledge of underwriters' interpretation of the "off piste with a guide" clause? In other words, has anyone had a claim denied because they were unlucky enough to sustain an injury when not actually on a piste, no matter how far away from one, (and unfortunate enough for the underwriters to be aware of that fact)?


I've often wondered that in practice - if you are close enough to a piste to get a sled into does anyone really care to record the fact and if the situation is worse than that and you need a heli then is the guide/no guide bit actually recorded anywhere. My guess is that heli rescues probably create a record of co-ordinates that insurers may require and that some rescues you might be beyond pisteurs and into the realm of SAR which would be a big flag.

So on balance I'd rather be insured for where I am without ambiguity. Or if not able to crawl a long way even when unconscious.
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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?
@tarrantd, Thanks for the suggestion - yes, I have got quotes on that basis but it's an important distinction between the two trips. Strangely, there wasn't much difference between the two quotes - I think the longer duration on the EU trip offset the higher premium rate on the Canadian trip. I would have thought any North American cover would be more under any circumstances, but there was little in it.

I thought the Amex option is worth looking at that @andylocity, has mentioned.

Thanks everyone - very helpful. I'm just pleased to see so many over 70's are out there - very re-assuring!
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 You need to Login to know who's really who.
You need to Login to know who's really who.
tarrantd wrote:
How about joining the AAC


Who he?
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 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
Red Leon wrote:
tarrantd wrote:
How about joining the AAC


Who he?


Austrian Alpine Club
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 You'll need to Register first of course.
You'll need to Register first of course.
@adithorp,

Ta
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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 emailed LV and got the following answers:

Question 1a: How does this work in Europe where they don't have in bounds off piste as they do in North America. What is a " a recognised ski resort" in this instance?
Answer: You can go off piste where this is allowed, there will most likely be areas where you are told don’t go to so we wouldn’t want you to go in those areas and you must stay within the boundaries of the recognised resort. You will need to check with the resort what their boundaries are.

Question 1b: If I go to France am I covered for any off piste without a guide?
Answer: Yes but still need to follow ski patrol guidelines

Question 2 - Is the wearing of ski helmets compulsory?
Answer: We don’t specify you have to wear helmets but if you are required to wear one then you must do and you must be abiding by the rules, some countries by law make you wear one, children and people of certain ages are required to wear one too.

Question 3 - who handles the claims on the policies?
Answer: All our claims are handled by a company called CEGA

So in regard of Q1 - it's still not totally convincing but trying to be pragmatic and practical, I think they would only quibble if you explicitly went against advice or into an area clearly signposted like a nature reserve.

Q2 I just asked because me and the wife currently don't wear one and we got caught out by Asda's having a compulsory helmet policy.

Q3 - this seems to me to be a critical aspect of Insurance policies. Reading the google and trustpilot reviews of CEGA they are either nearly all 1 star or 5 star (a bit more of the latter) which is really weird. Some are literally gushing in praise and others completely scathing.
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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!
@Layne, Personal experience with LV / CEGA was absolutely brilliant. Summary of the claim is here https://snowheads.com/ski-forum/viewtopic.php?p=2885655&highlight=pelvis#2885655
Not mentioned there was the fact that they also sent a french speaking nurse with the recovery team to sort out all the discharge paperwork with the hospital. Can't praise CEGA highly enough, didn't quibble about anything.
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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.
Layne wrote:


Q2 I just asked because me and the wife currently don't wear one and we got caught out by Asda's having a compulsory helmet policy.


Thanks for the heads-up.
I had better remember my helmet & mask when I go for the week’s shopping tomorrow morning Toofy Grin
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 Ski the Net with snowHeads
Ski the Net with snowHeads
Red Leon wrote:
Layne wrote:


Q2 I just asked because me and the wife currently don't wear one and we got caught out by Asda's having a compulsory helmet policy.


Thanks for the heads-up.
I had better remember my helmet & mask when I go for the week’s shopping tomorrow morning Toofy Grin

Things are always falling off those high shelves Laughing Laughing
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 snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
Timc wrote:
@Layne, Personal experience with LV / CEGA was absolutely brilliant. Summary of the claim is here https://snowheads.com/ski-forum/viewtopic.php?p=2885655&highlight=pelvis#2885655
Not mentioned there was the fact that they also sent a french speaking nurse with the recovery team to sort out all the discharge paperwork with the hospital. Can't praise CEGA highly enough, didn't quibble about anything.

The thing is you expected the odd mixed review or even a really bad one occasionally but there are a few stinkers.

Then again, it's always a bit of a gamble from that point of view and others seem to have an even worse rep.
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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.
Has anyone got AAC to cover ski mountaineering in Europe (in our case largely skinning up, plus the occasional bit of abseiling down) plus LV= for annual travel cover (which excludes radonee etc)?

We've used MPI annual for many years and their repatriation service worked very smoothly (largely children with broken legs), but would like to start annual cover for a trip in a few weeks!
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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
Initial hope had been that MPI would have had offerings available by mid July but that didn't happen so needing to have some sort of cover before mid July we were resigned to using Staysure, their annual policy for us at nearly 70 and multiple pre existing conditions was only £50 more than they wanted for a single trip and included up to 31 days winter sports ( no off piste but that didn't matter as we don't do off piste). 31 days winter cover wasn't enough but it would get us through the first couple of holidays and maybe things would have settled down by then. Just as we were about to buy Staysure increased their premium by about 25% to £400 which forced a major rethink.

Quick research including recommendations from "Which" magazine especially re covid cover and here led us to Barclays Travelpack, they took us on including all the pre existing conditions for their standard £12.50 per month. This solved my initial Summer holiday cover and will cover the first two of our three planned winter holidays. I've been looking at the PDS equivalent of Carre/Carte Neige, Snowrisk which has a season cost of €59 each which would give us annual cover with no limits on mountain activity for a total about £270, much cheaper than any previous insurance.

We are also in possession of the all singing, all dancing GHICs.

So now the questions

What am I missing? Seems too good to be true which usually means I'm missing something fundamental.
Does this combination work in the case a serious accident?
I've seen mention of the AAC in threads, how well does this work in France?

We've had some expensive claims over the years so know the need to have everything covered and in the normal course of events we would have renewed with MPI.

Any and all help appreciated.
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 You know it makes sense.
You know it makes sense.
Barclays bank account has various travel packs which provide travel insurance up to age 79. I've just had to change my barclays bank travel pack because they retired the old product but this new one is 12.50 a month for worldwide cover for yourself, partner and children up to 23.

https://www.barclays.co.uk/insurance/travel-insurance/travel-pack/

ps. I have no connection with Barclays other than that I bank with them. I actually work for a different bank.
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