 Poster: A snowHead
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@adithorp, motyl’s link does work if you take the comma off the end…
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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| Inboard wrote: |
| @adithorp, motyl’s link does work if you take the comma off the end… |
Ah, missed the comma. That page though is the one I've got saved and following the log in link just takes me to the page I linked to.
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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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I'm looking for insurance and LV was my first port of call but I'm not totally happy with the many restrictions, limits and excesses. Using the link on MPI for Clearskies I got a quote which seemed too good to be true, so I checked the company info on the government site and it says it was dissolved via compulsory strike-off back in January this year.
It seems extraordinary that the website appears to still be fully functioning and selling policies.
Am I misunderstanding something here?
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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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@motyl, 
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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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@motyl, I think you are down the wrong rabbit hole. Clearskies Insurance is a trading name of Ancile Insurance Group Limited Co no 05429313 which is still operating.
There are a good number of companies called Clear Skies of Clearskies some of which have been dissolved.
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You'll need to Register first of course.
You'll need to Register first of course.
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@chocksaway, Thanks - I did wonder but what’s confusing me is that the defunct company has (had) Michael Pettifer as the director. I just don’t trust what I’m seeing.
Anyway I’ve given up and gone with LV 
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@motyl, what were the bits of LV you didn't like? It looks as though I'll probably go back to them, unless Nationwide proves cheaper.
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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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@Hurtle, they don’t have an option to buy a waiver for the excesses which I like to do, and when I take into account the value of my possessions after wear & tear, the only cover I’m really buying is medical and cancellation etc.
They also require receipts for possessions being claimed for and that skis should be locked up - not that it could possibly be established whether or not that is done. MPI was a better deal, but sadly no more.
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I got this email last week, alternate insurance already sorted!
We are writing to inform you that your Multi Trip insurance policy is due to expire shortly.
It is with regret we have to inform you that we are currently not able to issue any new policies as we are in the process of moving insurers. However, once done, we expect to include all the usual great cover MPI offers, and hopefully some enhanced areas too!
If you are looking to travel shortly, please email us and we will endeavour to seek an alternative insurer for the time being.
To check your current expiring policy, please go to YourMPI account - www.mpibrokers.com, along the top you will see a drop down called ‘Logins’. If you hover over this, a menu will appear, select YourMPI. You will then be prompted to log in where you can view current and old policies.
We do apologise for any inconvenience that this may cause, and we will be in touch just as soon as we concluded matters with the new underwriter.
MPI Brokers Sales Team
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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@motyl, thanks. I take your point(s).
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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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@kitenski, I wonder if MPI realise how significantly they have lost the trust of regular customers by dealing with their problems in the way they have. I would not go back to them.
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@Hurtle, yup agree, I've made other arrangements now.
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You know it makes sense.
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| Hurtle wrote: |
| @kitenski, I wonder if MPI realise how significantly they have lost the trust of regular customers by dealing with their problems in the way they have. I would not go back to them. |
Agreed. I was with MPI for a couple of years and had no problem with them, but the last 2 or 3 years I've been with LV. MPI's recent poor customer service as experienced by several posters on this thread has put me off considering them, even if they should get back up and running.
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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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I've moved this over to The Piste, as I thought it might be more visible for anyone wanting advice on insurance and who to avoid.
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Poster: A snowHead
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| motyl wrote: |
@Hurtle, they don’t have an option to buy a waiver for the excesses which I like to do, and when I take into account the value of my possessions after wear & tear, the only cover I’m really buying is medical and cancellation etc.
They also require receipts for possessions being claimed for and that skis should be locked up - not that it could possibly be established whether or not that is done. MPI was a better deal, but sadly no more. |
Generally yo7 are better off covering your more valuable possessions through your household contents insurance as specified items. Travel insurance is generally a wear and tear deduction too. Really travel insurance is primarily medical and cancellation insurance.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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@JDL65, yep when we had possessions stolen from our campervan while on holiday, it was our house insurance that picked up the bill.
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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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I've also used MPI a number of times over the years and, likewise, my current policy with them is about to expire I'm struggling to find an alternative at a less than eyewatering price. The combination of age ( 71 at time of renewal ) medical condition ( elevated blood pressure - under observation but not yet treatment) and the desire to occasionally dabble off-piste seems to wave an armful of red flags as far as insurers go.
If anyone has any suggestions I'd be delighted to hear them.
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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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@nickH, Nationwide (Flexplus account policy) were happy to insure high BP on no medication without a change in premium, and also on one drug without any increase. They have however changed their underwriters/providers so that may now have altered. They do insure over 70s now without an additional premium.
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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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@Hells Bells, They seem to have changed the age requirements
"The new Aviva travel insurance policy will still be a worldwide family travel insurance. However, there are some changes to what and who is covered.
The main changes include:
If you’re aged 70 or over, you're covered as standard.
You don’t need to arrange a separate age extension upgrade."
https://www.nationwide.co.uk/current-accounts/flexplus/travel-insurance-changes/
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You'll need to Register first of course.
You'll need to Register first of course.
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I've just insured us for five weeks with good to go for £150 which I thought was a great price, never used them before but the feedback they have is good , will only find out if we have to claim, most others wanted over £300
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@albob, yes I know that, but evidence suggests that they are making up for that lack of the need for an upgrade with increased amounts for medical conditions.
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Thanks @Hells Bells, I'll look into it though I have a suspicion they don’t cover off-piste
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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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| Hells Bells wrote: |
| @albob, yes I know that, but evidence suggests that they are making up for that lack of the need for an upgrade with increased amounts for medical conditions. |
Ahh....
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@nickH, they do, but only with a guide.
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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I've had a phone call past two nights from 0333 212 7798, google shows it might be from an "insurance company" - I wonder if this is related to my MPI policy expiring?
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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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Just worth bumping given people are in insurance shopping season so that everyone knows that MPI have been utterly appalling with claims from the past season and multiple sHs are now taking them to the Ombudsman.
Shameful.
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| kitenski wrote: |
| I've had a phone call past two nights from 0333 212 7798, google shows it might be from an "insurance company" - I wonder if this is related to my MPI policy expiring? |
I thought I would ring it for you (I like living dangerously, on the edge!!!!)
Automated voice said "Sorry, the number is incorrect....)
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You know it makes sense.
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I've been Googling as MPI were always my go to for solid practical approach for off piste skiing cover.
After checking my policy renwal and getting redirected to Voyager Insurance I started doing some digging and found some info on line, including this thread. Needless to say I'm looking for alternate recommendations!
So who is anyone using for multi trip cover including off piste, with or without a guide? Dogtag and Snowcard are two I've heard of and used before.
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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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| Quote: |
So who is anyone using for multi trip cover including off piste, with or without a guide? Dogtag and Snowcard are two I've heard of and used before.
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The BMC but I need that for climbing as well.
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Poster: A snowHead
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@Diggery, LV
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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| Quote: |
So who is anyone using for multi trip cover including off piste, with or without a guide? Dogtag and Snowcard are two I've heard of and used before.. |
Snowcard.
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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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As above ski-cover online. Call them to check if you are concerned about the number if days
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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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Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
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So who is anyone using for multi trip cover including off piste, with or without a guide? Dogtag and Snowcard are two I've heard of and used before.[quote]
Austrian Alpine Club will pay for rescue off piste. Not too expensive, especially if you are my age!
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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 all - a few to check out!
I had read that on Dogtag - "any avalanche risk" - as in 1?! Not worth it for me!
Ski Cover look very reasonable and clear cut although 'resort safety warnings' may be ambiguous regarding avalanche level;
Within Ski Resort Boundaries
You can ski and board unguided anywhere within the boundary of a ski area including marked runs, trails and off-piste areas provided you observe the resort safety guidelines and warnings.
Outside Ski Resort Boundaries
If you are venturing outside of the resort boundaries you are covered provided you are with a Guide and not skiing or boarding in an area marked prohibited from entry.
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The Dogtag guidance notes that anywhere "between pistes" is safe because it's avalanche controlled by the resort. Clearly not true in Europe. The whole thing just doesn't add up.
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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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| Layne wrote: |
| @Diggery, LV |
+1
And AAC for the real tough off piste rescue stuff (which I hope I'll never need).
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| Wendyjh wrote: |
| I have now reported to the ombudsman. |
Did you get anywhere? I reported them to the Ombudsman in September after they went silent in the middle of handling two claims (one of which they'd agreed to pay out on) . The ombudsman has finally just replied that they won't look into any matters around claims and I should take it up with Swan insurance Bahrain as they are who MPI bought the insurance from. It seems completely outrageous to me that an FCA regulated UK broker who specifically states in the insurance policy information document that they must handle all matters around claims can go completely silent to multiple customers and not be hauled over the coals by the regulator.
MPI filed accounts with companies house on the 19th March this year so they are still trading.
I don't know what to try next short of small claims court.
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FAQ
