 Poster: A snowHead
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Hi all, used to have winter sports cover insurance through my old job scheme, however since Brexit they have withdrawn cover as i reside in Ireland. I obviously have private health insurance and take out Carre Niege with my lift pass. However could any Irish residing snowheads recommend a company that will cover me for a weeks skiing in March. Thanks in advance. Tim B
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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I'm currently with Multitrip. I went with their top line one, gold or whatever, but have never had to use it so can't really tell you if they're any good..... I just worked on the basis that they seem to cover everything the others do, and if you go upper level you tend to get better service if you do need it.
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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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Multitrip too. I've had to make a minor claim each year over the last three years, and they haven't given me any hassle. I got the top tier annual policy with 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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@Timbobaggins, what are you looking to cover?
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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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@munich_irish, well i have LAYA private health care, just want to make sure if i have a bad one ( injury) i am not left with a huge bill. Not bothered re equipment as i have my own skis, boots, helmet
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You'll need to Register first of course.
You'll need to Register first of course.
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Thats prob a question for Laya. Its also possible Laya might not repatriate you via an Air ambulance to Ireland, in the unlikely event you need one.
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Hi Tim, new Irish skier here. I've had a similar process to yours trying to figure out what is sufficient cover, and what is sufficient cover compared to price. For now, I've gone for the Au Vieux Campeur club cover for this season. It's got similar cover to the Carré Neige, but a little more extensive from my understanding (whole year covered, covers some off piste, and also other sports like climbing.) It's certainly budget friendly at only €30 for the year, and I confirmed with them that French residency is not required.
Maybe some other snowheads have more experience with the Au Vieux Campeur, and can weigh in on whether it is sufficient?
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@PowderedPiste, google Au Vieux Campeur and cannot see any insurance product, looks just like a ski and sports shop
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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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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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@Timbobaggins, not sure what Carre Neige covers, off piste?, repatriation?, third party? One option which many use is membership of the Alpenverein (Austrian Alpine Club there is a UK and a Belgian (?) section too). No reason why an Irish resident cant join. The insurance that comes with being a member covers rescue, repatriation, third party liability plus some small medical cover (the assumption is that you will have health cover of your own, many brits use a GHIC in Ireland EHIC). There is no restriction about off piste, guides etc. Limited to 8 weeks but longer stays and additional medical cover are possible. It is not "travel" insurance so if you want that and only ski on piste then better off with standard travel insurance
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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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Beware of the ACC membership which I know some regard as effective cover for repatriation costs in the event of an injury. It is only cover for getting you off the mountain to somewhere safe if injured.
Their conditions state cover repatriation cover is available for:
"The full costs of a medically justified patient transport from abroad to a hospital in the country of the main place of residence of the injured/ill party, or to the main place of residence, including the costs of transporting a person close to the insured party to be transported.
However, this is subject to the following three conditions:
a) that there is a life-threatening medical condition or
b) the locally available medical care does not ensure treatment of a standard corresponding to that available in the part’s country of main place of residence
c) that in-patient treatment of more than five days is to be expected."
When I questioned whether I could claim for say, a broken leg, which had been fixed in the Alps but which meant I was unable to drive and would need assistance to return to the UK, their response was that this was not covered as it was not life threatening and the treatment in the Alps was as good as that I could receive the UK. In their words "Alpenverein membership can not be seen as a classic travel insurance."
Also a GHIC/EHIC only entiles the holder to treatment on the same conditions as a citizen of the country where the vistor fell ill or was injured. In most countries that involves some payment, for example in France the state covers 80% of a public hospital's costs, the patient 20% if an GHIC is presented.
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I've got VHI through the job and they just Winter Sports on as an extra...covers everything as far as I can see, never had an issue.
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FAQ
