 Poster: A snowHead
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Hi gang.
As per the tiltle, looking for help with winter sport insurance post QTR. Age of 72 years young does not help. Any constructive suggestions welcome..................
No other medical issues
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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Not clear what the issue is, @Maersk, can you elucidate?
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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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QTR?
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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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Quad tendon rupture, maybe? 
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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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Even so, is this about how to get fresh insurance after you have had an injury, or whether the insurance company will cough up for expenses incurred consequent on the injury. Or what? We can only guess.
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You'll need to Register first of course.
You'll need to Register first of course.
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Post QTR was the clue.
Following a full Quads Tendon Rupture (and consequent repair) last July, I am finding it difficult/impossible to get winter sports cover for next season. The injury and my advancing years seem to be a stumbling block.
OK, I am advancing in years but I am not a beginner.................. The age issue seems to be more problematic.....
Discrimination springs to mind.
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Discrimination is not always unfair or indeed illegal. Young people have to pay higher premiums for car insurance for example.
Given there is no international or U.K. standard for skiing the insurance companies do not know how competent or reckless/sedate you are on the slopes they can only base premiums on known risks and usually crudely defined activities - on/off-piste, touring, park etc.
Some insurance companies will provide cover for you (Snowcard and SCGB I think) which excludes the bit of you that has been treated, particularly if it it still subject to treatment or even follow-up appointments. So if you do trash that bit again you have to pick up the bill yourself. I did look at one called All Clear who specialise in older people with pre-existing health conditions, but it was not flexible enough for my particular needs.
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"not being a beginner" is not relevant, really. Your age certainly is. Where have you tried for insurance? I would be surprised if you couldn't get any, and even more surprised if you didn't have to pay a hefty premium. I have to pay lots, even for holidays involving no skiing or similarly hazardous activities but I am a few years older than you.
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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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Thanks for the replies I shall investigate Snow Card and All Clear.
So far Pam theyt will not provide cover regardless of premium.............. 
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When you say "they will not provide cover" do you mean they will not insure you at all, or that there are conditions related to your previous injury?
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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Won't insure...............
still working on it,
some light at the tunnel entrance but £400 for a week is more than the price of a week's skiing...........
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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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Something doesn't add up. I am 76 with a life-limiting cardiac condition (average life after diagnosis 5 years, my diagnosis was 4.5 years ago 
I can get insurance, and heaps less than £400 for an entire year
Are you still getting treatment for your injury?
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You know it makes sense.
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My parents found the Nationwide Flexplus and paying the upgrade for age etc. Before I switched to Nationwide I contacted them and got the number to speak to about my preexisting conditions ahead of signing up
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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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@Maersk, my sympathies.
@pam w, you would be surprised at how difficult this can be. A friend had a serious, but rare, medical issue some years ago. When going through even specialist companies like those mentioned above, all goes well until they reach a question "have you ever had ...?". The correct answer to this is 'unknown', because that is what their GP & medical notes say, but to the underwriters the only available alternatives are 'yes' or 'no' - and if you can't give one of those answers the simple approach is for them to decline!
@Ski lots, the issue is not just limited to not covering the bit you injured before, but anything which may arise indirectly from that injury. If the OP were to have a collision with serious injury to a third party, the risk is that a doctor / insurer ascribes the underlying cause of the accident, eg a failure to turn, to a weakness or limited movement in the tendon, or insufficient recovery etc. So they deny coverage - potentially leaving the OP getting a 6-figure bill from the injured party.
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Poster: A snowHead
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@NickyJ, yes, my insurance is with Nationwide Flexplus - "free" if you're young and healthy. I pay a top up. I have free breakdown cover with them too, and that's worked well twice, once at Chambery airport (flat battery - entirely my fault) and once in the UK.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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The OP has said he has no health issues apart from the quad tendon rupture, ecureuil
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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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@ecureuil, indeed. Ultimately (unless it is a legal requirement) we all have to assess the risks and the value and say are we prepared to take on that risk with the support of an insurance company. It is possible that the insurance world will not quote for a particular individual’s risks. Nothing to do with the individual but rather people like them. As the individual concerned you then have to decide if you can afford in the worse case to take the risk yourself.
@Maersk does not say if their Dr. had advised for it against skiing. If the latter then they are a bit stuffed as they would be skiing against medical advice. Sometimes better to avoid the question.
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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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All we can produce is conjecture, unless the OP gives us more details.
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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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No ' no skiing for you' as repair is sound with no followup after initial post surgery meeting. Problem is, I am finding that as QTR is rare, 1.37 per 100,00 in uk; insurers do not understand/know about the issue. The web site does not acknowledge it and a phone call elicits an 'oh golly gosh no' response.
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You'll need to Register first of course.
You'll need to Register first of course.
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What web site? Which insurers have you tried? I fractured my pelvis, which is not that common either (unlike hips) and had no problem getting subsequent insurance. Layne - above - recommended staysure. Did you try them?
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It would be worth checking if Staysure have updated the wording on their insurance. Last time I looked you weren't covered in avalanche risk 3 or above (which they clarified included if you're on piste).
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@sugarmoma666, still the same 
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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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Snowcard might be worth trying.
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Thanks all..
Web sites in general for applying...
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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| Maersk wrote: |
Thanks all..
Web sites in general for applying... |
I don't think there is any getting away from phoning them all up when it comes to pre-existing conditions. Thats not an age thing, had same over last several years between shoulder impingement and knee injuries.
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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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If, as described, you had the "oh golly gosh no" to a query about a pre-existing condition or previous injury that sounds like a very unusual insurance company. You might just have to persist.
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MPI?
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You know it makes sense.
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Nationwide Flexplus account have already been mentioned. I had appendix surgery last year, and I believe I had no cover for a repeat of this for one year after the operation? I was highly unlikely to have appendicitis again, as I no longer had one. Is this the issue here?
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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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Hope not. I still have quads tendons and they are attached...........................................
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Poster: A snowHead
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@Maersk, just wondering if it was the fact that you had the surgery recently rather than the absence of the tendon.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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@Maersk, have you tried lv?
They insured me after a shoulder repair, which they knew about in great detail as they’d insured me the previous year.
All they asked before I skied again was for my surgeon to state I was fit to ski.
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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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@Maersk, lv also continued insuring me, without fuss, after a total knee replacement and problems with my other leg.
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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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Thanks Peaky I shall investigate further
Hells, the quads tendons rupture off the kneecap so the lower leg 'does nothing'. After reattachment it all works again after a fashion, it just requires re-education and strengthening.......
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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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Interesting, LV want £217 for the week
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You'll need to Register first of course.
You'll need to Register first of course.
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@Maersk, have you tried the Nationwide Flexplus underwriters? Before commiting I got their number phoned up and explained situation that I had pre-existing conditions and wanted to find out if they wpuld be covered and how much.
The base price for the is £156 (£13 a month) annual travel insurance and that also includes car breakdown.
If you have a partner and you make it a joint account that covers both of you for same
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Thanks
This all helps
Got it down to £176 now
Big problem seems to be insurers' lack of knowledge of QTR (surprisingly)
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| Quote: |
Got it down to £176 now
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Is that for the whole year? If so it's pretty reasonable - I pay more but am older. I also have a "life limiting" condition! Though in my book being 76, or indeed 26, is "life limiting.
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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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Single 1 week trip...............
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You might find an annual policy more cost-effective - assuming you do travel at other times. It doesn't always cost a lot more though there are usually limits.
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FAQ
