 Poster: A snowHead
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Any advice for old biddy (67) who just wants to potter a little off piste and do a beginner afternoon tour. No steep stuff. Ski Club of GB cover is £350 ish. I have normal medical cover through my bank. For a 90 day trip to the Pyrenees. To give you an idea of the level - I don't own an avi bag yet.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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@CathyAuLait, Have you looked at ski club platinum membership. It’s £235 for a year but you would need an extension by calling them to cover the 90 days. My extension for 80 days on skis but max trip length of 60 days is 35 quidish.
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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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Try Austrian Alpine Club, was less than £50 for an oldie like ourselves and will get you off any mountain world wide.
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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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Check out MPI, their cover covers off piste without guide,but you might need to talk to them about single trip length....
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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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@CathyAuLait, I and my friends use Austrian Alpine Club which provides the cover you want. I think their OAP membership is about £45 a year. That’s what I have. The only drawback is that the health cover part (and that part alone) is limited to 45 days. So I usually fly home for a couple of days, every 40 days or so, which goes down well with the present Mrs hammondr.
If you intend to stay for an unbroken period the AAC provide enhanced cover for a bit more. Check it out on their website. Certainly less than £350.
AAC membership also provides a 50% discount for overnight stays in mountain huts run by other national Alpine Clubs (excluding grub).
As for the airbag; we may be outliers, but only 2 of my companions own one and none take them on longer tours.
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You'll need to Register first of course.
You'll need to Register first of course.
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Thanks everyone, very helpful. If you happen to pass by Baqueira and see an old lady upside down just off the side of the piste, please pick me up!
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Hi @CathyAuLait, have you checked with Keith & Alison on their insurance choice.
Two pretty savvy people who will have looked into it carefully.
Have a great season!
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You could look at snowcard, bit complicated website but it can cover this, used them for many years. So far luckily not had to claim and unfortunately that’s the only way to find out how good they are, underwrighters are a major insurer
I pay about £250 age 57 per year for basically doing anything bit fun on holidays for the year, not just skiing as also a tek diver
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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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I would agree that Snowcard are very good with the flexibility of their policies tailored to you particular mix of activities and duration of trip. And yes they do have a major underwriter, but that underwriter leaves something to be desired. I have had a minor pending (non-ski related) claim with them for over 2 months. They have paid me £100 for not sorting it out, but still not paid the claim itself which is only worth about £200 net!
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We went with a std annual policy including winter sports from Staysure, plus 12 month AAC membership to be able to cover the off piste and touring aspects. I'm 63, no health problems all in (both policies) £168.
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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| Bob wrote: |
| We went with a std annual policy including winter sports from Staysure, plus 12 month AAC membership to be able to cover the off piste and touring aspects. I'm 63, no health problems all in (both policies) £168. |
Be a little careful with Staysure - for reasons that were highlighted on here in the past.
Their wording says, "Resort authorities classify avalanche risk as follows:
1 = Low, 2= Moderate, 3= Considerable, 4= High, 5 = Very High. You are not covered in areas classified as avalanche rating 3 or above.
When contacted at that time, they confirmed that this also applied to Piste skiing....so I would find out if this is still the case, as it is often Level 3 or above.
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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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| Ski lots wrote: |
| I would agree that Snowcard are very good with the flexibility of their policies tailored to you particular mix of activities and duration of trip. And yes they do have a major underwriter, but that underwriter leaves something to be desired. I have had a minor pending (non-ski related) claim with them for over 2 months. They have paid me £100 for not sorting it out, but still not paid the claim itself which is only worth about £200 net! |
I assume Axa?
I have been waiting/chasing since March for a £200 payout, so interesting that they paid you for not sorting it out. I should push harder.
Had used Snowcard for years but won’t any longer as they just wash their hands on the claims process with Axa.
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| CathyAuLait wrote: |
| Any advice for old biddy (67) who just wants to potter a little off piste and do a beginner afternoon tour. No steep stuff. Ski Club of GB cover is £350 ish. I have normal medical cover through my bank. For a 90 day trip to the Pyrenees. To give you an idea of the level - I don't own an avi bag yet. |
what are you trying to insure?
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You know it makes sense.
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@dozofoz, actually Allianz.
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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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AAC (UK) No brainer. But it is only Rescue cover and immediate medical treatment followed by repatriation to where you normally get seen.
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Poster: A snowHead
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My ski buddy had a very serious ankle injury , Snowcard were fantastic .
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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| Old Fartbag wrote: |
| Bob wrote: |
| We went with a std annual policy including winter sports from Staysure, plus 12 month AAC membership to be able to cover the off piste and touring aspects. I'm 63, no health problems all in (both policies) £168. |
Be a little careful with Staysure - for reasons that were highlighted on here in the past.
Their wording says, "Resort authorities classify avalanche risk as follows:
1 = Low, 2= Moderate, 3= Considerable, 4= High, 5 = Very High. You are not covered in areas classified as avalanche rating 3 or above.
When contacted at that time, they confirmed that this also applied to Piste skiing....so I would find out if this is still the case, as it is often Level 3 or above. |
hence AAC
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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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| Bob wrote: |
| Old Fartbag wrote: |
| Bob wrote: |
| We went with a std annual policy including winter sports from Staysure, plus 12 month AAC membership to be able to cover the off piste and touring aspects. I'm 63, no health problems all in (both policies) £168. |
Be a little careful with Staysure - for reasons that were highlighted on here in the past.
Their wording says, "Resort authorities classify avalanche risk as follows:
1 = Low, 2= Moderate, 3= Considerable, 4= High, 5 = Very High. You are not covered in areas classified as avalanche rating 3 or above.
When contacted at that time, they confirmed that this also applied to Piste skiing....so I would find out if this is still the case, as it is often Level 3 or above. |
hence AAC |
I was really highlighting it in case someone else reading this thread was considering Staysure for their only insurance. It's potentially a very big loophole.
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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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@CathyAuLait, austrian alpine club as mentioned can be found here....
https://www.alpenverein.at/britannia/
I've taken the same thing out for us 2 out here in Austria but via their austrian pages.
Hope you're well.
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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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@Old Fartbag, appreciate the guidance. I'll look into the base insurance again to be sure.
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You'll need to Register first of course.
You'll need to Register first of course.
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| Bob wrote: |
| @Old Fartbag, appreciate the guidance. I'll look into the base insurance again to be sure. |
IMV. Having Ski Insurance for On Piste (which should be deemed safe if open, no matter what the Avalanche level), that doesn't apply at Level 3 or above, is next to useless.
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| Old Fartbag wrote: |
| Bob wrote: |
| @Old Fartbag, appreciate the guidance. I'll look into the base insurance again to be sure. |
IMV. Having Ski Insurance for On Piste (which should be safe if open, no matter the Avalanche level), that doesn't apply at Level 3 or above, is next to useless. |
Yep, thats a fair view
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| Bob wrote: |
| Old Fartbag wrote: |
| Bob wrote: |
| @Old Fartbag, appreciate the guidance. I'll look into the base insurance again to be sure. |
IMV. Having Ski Insurance for On Piste (which should be safe if open, no matter the Avalanche level), that doesn't apply at Level 3 or above, is next to useless. |
Yep, thats a fair view |
If you check it out - let us know what they say, as I've no wish to highlight this if it no longer applies.
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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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wording is still in the policy
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| Bob wrote: |
| wording is still in the policy |
I still think the wording isn't clear. It could be argued that the warning is for Off Piste only, which hasn't been made/declared safe....but the resort doesn't have a Piste rating and an Off Piste rating. IMV There is a presumption that any unsafe Piste will be closed...but underwriters don't work on presumptions.
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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Agree, And I do expect level 3 to be the norm. I'd prefer not to get into a convoluted discussion with Staysure/ underwriters at a later date, or worse have my next of kin have to. I'll change to another one. In fact I was looking at LV at the time but their website kept hanging.
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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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Has anyone got experience of claiming from a personal basic insurance policy when they have AAC (or Carre Neige) in France to 'compliment' or bolster? Specifically when the claim relates to something not covered by their personal insurance? Skiing off piste without a guide for example? I get that AAC might get you recovered off the mountain and even some immediate medical cover at/ to a local medical centre but surely your own travel insurance still has zero liability for any further/ ongoing support because the claim still relates to something they don't cover? Irrelevant of the fact you are now sat at the local medical centre having received first aid rather than being off piste. I would consider those add ons as helpful to avoid some immediate costs and conversations rather than an alternative to a full policy which covers you for what you plan to do
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You know it makes sense.
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| toyah807 wrote: |
| I get that AAC might get you recovered off the mountain and even some immediate medical cover at/ to a local medical centre but surely your own travel insurance still has zero liability for any further/ ongoing support because the claim still relates to something they don't cover? |
I think you are correct. If the personal insurance doesn't cover medical expenses for certain types of accidents then it wouldn't be covered. Something to look at very carefully I expect. Insurers don't make money covering stuff they haven't assessed.
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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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@toyah807, I think that's probably a very valid point, and one often missed. I may have made that mistake myself in the past.
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