 Poster: A snowHead
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Am I right in thinking that if we just get standard holiday insurance and the Carre Neige insurance we will be covered ?
Rather than getting holiday insurance with the additional cover for snow sports ?
TIA
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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@bigtoe, loads of threads on this if you do a search. Does carre neige cover third party liability?
Bear in mind that regular insurance won't step in for anything that carre neige doesn't cover
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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 don't think so.
Carre Neige covers your bills in the event of an accident, but I don't think it covers you if you are successfully sued by a Third Party for causing an accident.
Also, if you are skiing, get ski insurance, as you may not be covered for other things like cancelling the holiday, loss of luggage etc. If you go skiing and don't tell them, they could see this as a breach of contract, if you make a claim.
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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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@Old Fartbag, we concur
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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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| holidayloverxx wrote: |
| @Old Fartbag, we concur |
Then we must be correct! 
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You'll need to Register first of course.
You'll need to Register first of course.
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@bigtoe, I look at it the other way around. If I have decent insurance with winter sports cover, then I don't need Carre Neige (or any of the other insurance policies sold with lift passes).
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My thinking with Carre Neige is that it covers you anywhere you can get to from a lift as in off piste . Most holiday insurance add ins are piste based insurance , anything other than piste seems to cost a lot !
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| sugarmoma666 wrote: |
| @bigtoe, I look at it the other way around. If I have decent insurance with winter sports cover, then I don't need Carre Neige (or any of the other insurance policies sold with lift passes). |
For the relatively small cost of Care Neige, you avoid any hassle if injured on the mountain....Pisteurs may not accept that you are covered and look for some sort of payment. Carre Neige ensure "No questions asked" removal from the mountain, which IMV is worth the outlay.
The SCGB used to have a card (Fogg Medi-Card?) that was generally accepted....but after a while, that proved to be unreliable and was discontinued by the SCGB.
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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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@Old Fartbag, Agreed , hence why I’m questioning actually needing the winter sports add on to the annual holiday insurance .
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Copied and pasted from Carre Neige site .
Seems total cover to me , except holiday insurance
SO WHAT DOES THAT ACTUALLY MEAN IN REAL TERMS ?
For example, « Carré Neige » covers you in the event of:
Accident while skiing or doing other winter sports in the ski area including the off-piste ski area that is accessible via ski-lift
Accident while doing sledge
Sickness during your stay
You being immobilised as a result of an accident while skiing or doing other winter sports. « Carré Neige » will cover your repatriation.
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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| bigtoe wrote: |
| @Old Fartbag, Agreed , hence why I’m questioning actually needing the winter sports add on to the annual holiday insurance . |
It's not just about "add ons"....it's whether the Insurance company will give you any cover, for anything, if you go skiing and don't tell them.
Maybe a phone call will let you know the answer.
An insurance contract is one of "Utmost good faith", which means you are obliged to tell them anything that they would deem relevant to giving you cover.
Ski kit is much more expensive than regular wear...and then you may have ski hire etc etc
It could get very expensive if they walk away from a Third Party Claim.
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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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| bigtoe wrote: |
Copied and pasted from Carre Neige site .
Seems total cover to me , except holiday insurance
SO WHAT DOES THAT ACTUALLY MEAN IN REAL TERMS ?
For example, « Carré Neige » covers you in the event of:
Accident while skiing or doing other winter sports in the ski area including the off-piste ski area that is accessible via ski-lift
Accident while doing sledge
Sickness during your stay
You being immobilised as a result of an accident while skiing or doing other winter sports. « Carré Neige » will cover your repatriation. |
Where does that say it gives you Third Party Liability? A good insurance policy gives £2m for public liability.
Last edited by And love to help out and answer questions and of course, read each other's snow reports. on Sat 28-12-24 21:44; edited 1 time in total
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| Old Fartbag wrote: |
| sugarmoma666 wrote: |
| @bigtoe, I look at it the other way around. If I have decent insurance with winter sports cover, then I don't need Carre Neige (or any of the other insurance policies sold with lift passes). |
For the relatively small cost of Care Neige, you avoid any hassle if injured on the mountain....Pisteurs may not accept that you are covered and look for some sort of payment. Carre Neige ensure "No questions asked" removal from the mountain, which IMV is worth the outlay. |
Yep, I understand that but am happy to carry the risk (well, a credit card actually). If I paid the "relatively small cost" of Carre Neige for each day of skiing I do, I'd be spending more on that than I do on my travel insurance with winter sports cover
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You know it makes sense.
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| sugarmoma666 wrote: |
| Old Fartbag wrote: |
| sugarmoma666 wrote: |
| @bigtoe, I look at it the other way around. If I have decent insurance with winter sports cover, then I don't need Carre Neige (or any of the other insurance policies sold with lift passes). |
For the relatively small cost of Care Neige, you avoid any hassle if injured on the mountain....Pisteurs may not accept that you are covered and look for some sort of payment. Carre Neige ensure "No questions asked" removal from the mountain, which IMV is worth the outlay. |
Yep, I understand that but am happy to carry the risk (well, a credit card actually). If I paid the "relatively small cost" of Carre Neige for each day of skiing I do, I'd be spending more on that than I do on my travel insurance with winter sports cover |
That seems fair enough to me.
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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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Poster: A snowHead
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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@bigtoe, generally kit cover is diminishing value and after 5 years is regarded as having no value,but that's minor compared to having an accident and having other costs that would/might not be covered
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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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@sugarmoma666, thanks , blimey isn’t this a bit of a mine field!
I’ve got three sets of skis and two boots to take out ! 
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You need to Login to know who's really who.
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I think it's Snow Card that lets you tailor the amount of cover you want for certain things like luggage value and skis....as it is certainly true that the value diminishes substantially with age.
If hiring skis, you can take out the ski shop's insurance - which usually has an excess that you have to pay in the event of a claim.....That uncovered amount is usually covered by your own insurance. A hire shop can hammer you if you damage or lose their skis.
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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, as I am getting older the more I look into all of this, in the past I’ve just winged it and got away with it every time !
Don’t get me started about car hire insurance !!!! I am now insured to the neck and have no risk insurance (s) plural . In the past I now realise all I was insured for was the other cars on the road! If I’d of written the car off o was driving I’d of been liable for the whole cost !
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You'll need to Register first of course.
You'll need to Register first of course.
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Third party cover has been mentioned before but worth stressing. Very low risk of as very large bill. Which is what insurance is about, really. Some of the Carre Neige cover limits are very low. Your non -ski travel insurance won't pay out if you are responsible for brain injuring a child.
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@Origen,
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Your non -ski travel insurance won't pay out if you are responsible for brain injuring a child.
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That must surely depend on the exact wording of the third party liability clause AND on what activities are expressly excluded under the policy. Not that I'm an expert - I tend to throw everything into my cover, just to be on the safe side, even if it costs a bit more and also (I'm ashamed, as a lawyer, to say) at the risk of facing difficulties engendered by double insurance, recently discussed elsewhere on the forum.
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I would assume that if I had a policy which excluded winter sports holidays it would be irrelevant on a ski holiday.
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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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@Origen, @KSH, the unstated key point is 'Your non -ski travel insurance won't pay out if you are responsible for brain injuring a child while skiing'
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@Origen, depends on what you mean by irrelevant. You might, depending on the wording, be able to claim for some things. It would be unusual, wouldn't it, to exclude the whole holiday? More common to exclude specific activities?
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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Surely you only need ski holiday insurance if you are going 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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I suppose it depends on the exact
Wording. I don't think I've ever had a travel insurance which excludes winter sports though there's always exclusions and sometimes those are difficult to figure out. But buying a week's Carre Neige costs so little that I'd not waste much time agonizing about it !
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| holidayloverxx wrote: |
@bigtoe, loads of threads on this if you do a search. Does carre neige cover third party liability?
Bear in mind that regular insurance won't step in for anything that carre neige doesn't cover |
All French people have third party liability cover as a compulsory part of their home insurance. Children need to have it for school too. Which is why carré neige does not include it.
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You know it makes sense.
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| Hells Bells wrote: |
| Surely you only need ski holiday insurance if you are going skiing? |
Indeed. I think this discussion has got its knickers in a twist! (I hate the whole topic of insurance: as someone said, it's an absolute minefield.)
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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 reckon that if you act in good faith and tell the truth you'll be OK. The principle of "reasonableness" goes a long way. And if you assume otherwise, assume that arbitrariness will rule the day, then no amount of thinking is going to help!
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Poster: A snowHead
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@Origen, 'reasonableness' only applies (in any contract of which I've had experience) where it is specifically mentioned. And, as stated above, the standard of good faith is extra high in an insurance contract, which is one of UTMOST good faith (uberrimae fidei, to give it its proper term.) So one has to be extra careful to disclose/discuss/document any areas of doubt.
/law lecture 
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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Discussions about insurance here on SHs do generally emphasize the importance of good faith and telling the truth. I stand corrected on my perhaps-naive thought that contracts always implied reasonableness even if the word isn't used! For myself, I try to make sensible decisions and then stop worrying about it. If a firm is determined to be unreasonable in their dealings, there's not a lot you can do about it, though when I've had dealings with insurance companies (thankfully not often) they've been reasonable, though perhaps if large sums had been involved it would have been more of a battle. I certainly have no basis for agreeing with the view sometimes expressed that they're all just out to screw you.
I don't generally insure against risks I can afford to carry. If I drop red wine on a carpet I don't expect an insurance company to compensate me for my carelessness.
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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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| bigtoe wrote: |
Am I right in thinking that if we just get standard holiday insurance and the Carre Neige insurance we will be covered ?
Rather than getting holiday insurance with the additional cover for snow sports ?
TIA |
No
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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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| sugarmoma666 wrote: |
| @bigtoe, I look at it the other way around. If I have decent insurance with winter sports cover, then I don't need Carre Neige (or any of the other insurance policies sold with lift passes). |
Well you do… unless you have your full insurance policy to carry around with you, preferbly in french so it can be checked before being rescued off the mountain.
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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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| sugarmoma666 wrote: |
| Old Fartbag wrote: |
| sugarmoma666 wrote: |
| @bigtoe, I look at it the other way around. If I have decent insurance with winter sports cover, then I don't need Carre Neige (or any of the other insurance policies sold with lift passes). |
For the relatively small cost of Care Neige, you avoid any hassle if injured on the mountain....Pisteurs may not accept that you are covered and look for some sort of payment. Carre Neige ensure "No questions asked" removal from the mountain, which IMV is worth the outlay. |
Yep, I understand that but am happy to carry the risk (well, a credit card actually). If I paid the "relatively small cost" of Carre Neige for each day of skiing I do, I'd be spending more on that than I do on my travel insurance with winter sports cover |
Have you priced up an annual carre neige? Its 49 euro for all of Savoie.
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You'll need to Register first of course.
You'll need to Register first of course.
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| Quote: |
preferbly in french so it can be checked before being rescued off the mountain
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Do you have any evidence for that statement? I have been rescued off a French mountain, and so have several other people I know. No checking of insurance documents was involved.
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AAC membership includes third party.
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| Origen wrote: |
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preferbly in french so it can be checked before being rescued off the mountain
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Do you have any evidence for that statement? I have been rescued off a French mountain, and so have several other people I know. No checking of insurance documents was involved. |
Yes, I was a bit confused about why that would be required. Either they'll rescue you and then sort payment later, possibly direct from your insurance company, or they'll bill you on the spot, for which a credit card should suffice, and you claim back.
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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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| sugarmoma666 wrote: |
| Origen wrote: |
| Quote: |
preferbly in french so it can be checked before being rescued off the mountain
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Do you have any evidence for that statement? I have been rescued off a French mountain, and so have several other people I know. No checking of insurance documents was involved. |
Yes, I was a bit confused about why that would be required. Either they'll rescue you and then sort payment later, possibly direct from your insurance company, or they'll bill you on the spot, for which a credit card should suffice, and you claim back. |
Yep having been stretchered off a mountain once in Tignes, they got me down no questions then needed to see a credit card before unloading me onto an ambulance.
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| Origen wrote: |
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preferbly in french so it can be checked before being rescued off the mountain
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Do you have any evidence for that statement? I have been rescued off a French mountain, and so have several other people I know. No checking of insurance documents was involved. |
But billed on the spot instead? Difference between your insurance company paying for your rescue than your insurance company reimbursing you.
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