 Poster: A snowHead
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Just had my renewal from LV.
Premier annual multi-trips for family of 4 adults.
Premium dropped from £235 to £139.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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@Layne, gosh that's impressive.
Thanks for posting. I know I looked around this time last year (probably October) as my nationwide flex plus renewal date approached with the increased monthly payment to see if it was still competitive for us as a family. Last year it most definitely was! Looks like worth checking again with.
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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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@NickyJ, yeah I was wondering if people were seeing this themselves and/or with other providers.
It had gone up quite steeply the last couple of years.
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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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Wow, that is good. We, a couple mid 60s, paid just over £300 for the same LV annual multitrip premium cover, with winter sports of course.
Renewal due in December so will see what comes around.
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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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@BoardieK, we're also a sixties couple and renewed our LV annual multi trip premier cover for Europe in December 2024. Paid £350 for that with the winter sports and baggage cover.
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You'll need to Register first of course.
You'll need to Register first of course.
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Just checked for us, two in 60s , one with 2 medical conditions, £247 for premium cover including cancellation, baggage and wintersports.
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| Layne wrote: |
Just had my renewal from LV.
Premier annual multi-trips for family of 4 adults.
Premium dropped from £235 to £139. |
Good for you. Ours is coming up soon. Does your policy include any of the higher risks sport levels beyond just piste skiing, for example off piste skiing with and without a guide?
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Best check France is included.
Its not a safe country according to some lawyers.
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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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£720 annual multidrop worldwide, including winter sports and diving. Ouch
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| rickboden wrote: |
| Does your policy include any of the higher risks sport levels beyond just piste skiing, for example off piste skiing with and without a guide? |
"You are covered to ski and snowboard off piste and at a snow park provided you are within the ski area boundaries of a recognised ski resort and following ski patrol guidelines."
file:///C:/Users/Layne/Downloads/LV%20Travel%20DOI_2024.pdf - see Winter Sports Activities section.
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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| Gored wrote: |
Best check France is included.
Its not a safe country according to some lawyers. |
Prick
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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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| Quote: |
"You are covered to ski and snowboard off piste and at a snow park provided you are within the ski area boundaries of a recognised ski resort and following ski patrol guidelines."
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And so the debate about what actually constitutes "within the ski area boundaries" begins. Guess the policies are written for n America.
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@boarder2020, Back in 2021 LV gave me the following answers:
Question 1a: How does this work in Europe where they don't have in bounds off piste as they do in North America. What is a " a recognised ski resort" in this instance?
Answer: You can go off piste where this is allowed, there will most likely be areas where you are told don’t go to so we wouldn’t want you to go in those areas and you must stay within the boundaries of the recognised resort. You will need to check with the resort what their boundaries are.
Question 1b: If I go to France am I covered for any off piste without a guide?
Answer: Yes but still need to follow ski patrol guidelines.
But yes, it's a potential minefield.
When I made a relatively small claim from LV last year it was smooth and I don't recall them asking any awkward questions about boundaries.
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You know it makes sense.
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| LG Policy doc wrote: |
Winter sports activities
You will only be covered for the following activities under Sections B, C, D, E and
F if you have selected cover for winter sports and it is shown as covered on your
schedule.
• Dogsledding
• Skiing, big-foot skiing, cross-country
skiing, mono-skiing, glacier skiing and
indoor skiing
• Sledging and tobogganing
• Snowboarding
• Snowblading
• Snowmobiling/skidooing but there is no
personal liability cover for this activity
• You are covered to ski and snowboard
off piste and at a snow park provided
you are within the ski area boundaries
of a recognised ski resort and following
ski patrol guidelines.
If you have an annual multi-trip Essential policy
The cover is provided on the understanding that you don’t take part in more than
17 days of winter sports activities during the year.
If you have an annual multi-trip Premier policy
The cover is provided on the understanding that you don’t take part in more than
31 days of winter sports activities during the year.
There is no cover for:
Bobsleighing, skeleton bobsleighing, heli-skiing, luging, ski acrobatics, ski flying,
skijumping, ski mountaineering, ski racing, ski randonee, ski stunting, ski touring or
snowcat skiing |
I had LG policies before and always had a good experience, but moved to MPI due to the cover for ski racing and ski touring (which although I have no plans for this season right now, I also haven't ruled out). Does anyone know a decent provider who also offer these (now that MPI is basically defunct)
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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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Good job I read this thread, just went to check my cover and seems I managed to purchase 2 days very comprehensive ski cover instead of annual multi-trip...I would have been at work for those two days as intended the cover to start before my trip  Usually I'm very good at reading what I've bought, not sure what went on that particular day.
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Poster: A snowHead
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@Tubaski, I worry about the deliberate use of terms that are not defined. I this case as everyone points out
What are Ski resort boundaries? (even snowport england insurance says you must be in resort boundaries, but doesn't say what these are, or even what a resort is. Though the next condition says "Cover only applies when off piste is reached from the lift network and NOT via ski touring / skins /snowshoes / other means - with the exception of Nordic", which I think makes much more sense)
Less often mentioned are:
What consitutes a "recognised ski resort" I supose this includes La Grave that has no marked pistes, but can you ski from notre dame de pre which at no point ever describes itself as a resort - it's just a village with a few lifts and as far as I can see no accommodation.
I think "following ski patrol guidelines" needs perhaps more explanation AFAIAA when you go off piste there is no guidance only an avalanche warning. Has anyone ever seen any ski patrol guidlines. I haven't.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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@johnE, if it has lifts for which you buy a pass (or is managed by anyone officially) then it counts. You might have to argue the point a little though...that said, Google AI suggests that the lifts no longer operate as of 2024, so Notre Dame Du Pre would not count
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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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@SnoodyMcFlude, I never made it to the village this summer so had no chance to ask about it. Lovely place though.
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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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For the purposes of off piste I think gazex would also count as being a controlled area.
The real grey area for me is whether 3/5 counts as resort guidelines. The legal eagle might say that Considerable risk is reckless.
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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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Do LV still only allow 28 days Winter sports cover? (or possibly 30?)
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You'll need to Register first of course.
You'll need to Register first of course.
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| GeorgeVII wrote: |
| Do LV still only allow 28 days Winter sports cover? (or possibly 30?) |
17 or 31 depending on cover level.
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@johnE, in France I think the definition of resort boundaries is fairly clear. It's discussed in this post. Basically, "within resort boundaries" is anywhere Carre Neige would cover vs outside of resort boundaries being where mountain rescue would intervene (which I believe is free at point of use in France.)
You might still have to argue it out with your insurance company but I think you'd be on fairly strong footing.
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Thank you @sugarmoma666, I'd forgotten about that post. It ties up with Snowsport England's second definition perfectly. But I don't think the lift company ever says "resort boundary" other than banned areas for ptarmigan nesting etc.
There was a long post here sometime ago about a lady suffering a serious injury in one of the designated off piste area in Japan and had to wait a very long time for the mountain rescue to come as opposed to the readily available piste rescue. As this was Japan the offpiste area was fenced off with designated entry gates (they also have area they describe as backcountry). It was, of course, accessible without any climbing from a lift. It met the lift accessible criteria, but was it outside the resort boundary?
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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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@johnE, the definition is likely different by country. In Japan, I believe the resort boundaries are clearly marked by fences and if you went through a gate you'd clearly be outside the resort boundaries.
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@sugarmoma666, Agreed, they have two types of boundaries. The first is the resort boundaries themselves where no avalanche checking etc goes on. They have big warning notices telling you this. Then they have what could be described as glades such as Strawberry Fields in Niseko where the gate is only opened if it deemed safe withing that area.
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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@sugarmoma666, not quite, there are resorts like Kiroro where there are designated/marked off piste areas within bounds. You pass through a "gate" but are still considered within the resort boundaries. These sections have open and closing times and sometimes only some of them are open. Rusutsu has similar inbounds off piste but without gates or fences, just a few signs.
Although iirc the area of the incident in that thread was Sapporo Kokusai which has fences and is a bit less clear in regards to what's tolerated. Me and Dave got a ticking off for skiing in one spot that was really well tracked already.
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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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| Tubaski wrote: |
I had LG policies before and always had a good experience, but moved to MPI due to the cover for ski racing and ski touring (which although I have no plans for this season right now, I also haven't ruled out). Does anyone know a decent provider who also offer these (now that MPI is basically defunct) |
Answering my own question, as what I've found may help someone. I ended up taking a policy with the Co-up (Defacto 5*, Which Best Buy) which covers everything I might want (including race training, off piste [except in 'areas considered to be unsafe by resort management', but importantly doesn't say with an instructor or guide], touring [with a guide] )
My only problem with it is that the annual policy only covers 17 days snowsport. But it wasn't terribly expensive, and that will cover three weeks I have semi-planned. If I end up doing more I'll surrender and buy a new policy. Also worth noting that as of last year they have removed the maximum age on winter sports too.
The only other companies that offer cover for these activities that I've found have also been underwritten by Zurich and have the same time limitations 
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My LV annual travel insurance renewal quote just arrived. Couple of medical conditions, includes off piste, Europe only.
Down from £176 this year to £101 next year.
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You know it makes sense.
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A ski buddy broke his leg last December. He was taken by blood wagon to Meribel medical centre.
The bill for the blood wagon, €449, arrived today, almost a year later!
He’d asked his insurance company to keep his claim open and has written agreement to that, so should be reimbursed.
Just seems a bit odd.
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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: |
Just seems a bit odd
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the paperwork was lost in a pile of bits and pieces when they "tidied up" before closing down at the end of the season
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Poster: A snowHead
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Hubby's hospital bill for Briancon hospital arrived at the end of the next financial year. Insurers had agreed to pay anyway, so it was forwarded, although they sent several reminders before it actually happened.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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Annual policy renewed with Nationwide (Aviva) today and, given the terms which they offer (no upper age limit, no geographical limitation, breakdown and mobile phone cover thrown in and some serious medical conditions covered) I think £384 for the upgrade is quite a bargain. It's a lot, but it's good value for the cover, I reckon.
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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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@KSH, just did mine too. £110 which is ok
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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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Ours was just an extra £30, but I need to amend something so I'm suspecting it will go up.
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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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Our LV annual premier policy renewal next month has dropped from £300 to £185 
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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 picked up Monzo Max this year (£22/m) to get the travel insurance incl. winter sports cover, among the other benefits. Provided by Zurich and administered ("powered") by Qover. Excess £50.
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Maybe LV have been losing customers? Their insurance premiums had risen significantly over the last 3 or 4 years in my experience. It’s a welcome reduction.
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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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| thehighlandcowboy wrote: |
| I picked up Monzo Max this year (£22/m) to get the travel insurance incl. winter sports cover, among the other benefits. Provided by Zurich and administered ("powered") by Qover. Excess £50. |
that's interesting as it looks like the ski trip length is up to 45 days and it's worldwide cover, thanks for posting
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@richb67,
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that's interesting as it looks like the ski trip length is up to 45 days
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Indeed. Nationwide is only 31.
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FAQ
