 Poster: A snowHead
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Does anyone know of any good worldwide insurance that will also cover Off Piste and Watersports (Surfing)
Thanks...
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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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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This applies to last year's research on my behalf, so you need to check as it may be out of date. I looked at almost every annual policy on the market including some from specialist brokers - but there was always one thing that was missing - terrorism cover. I was amazed how many left this out as you are likely to be disrupted by this anywere these days - the airport, tunnel, ferrys etc etc.. Just imagine being at the airport and your holiday being cancelled because you can't get out - AND not being able to claim for it..!
At the time only one company covered this - First Direct. Dogtag as mentioned by Kermit looked excellent and was exactly what I wanted having an active family - however, even talking directly to their underwriters they would not do me a special addition (it may be different now - check the small print).
First Direct added all the extras I needed with no quibble, and from a friends experience with them last year, they pay out with no quibble and provide excellent service.
Hope that is food for thought and helps..
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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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Hmm - just looking at the posts above, maybe this should be added to the sticky thread..
PS - there are some very cheap annual policies out there, but having read many insurance discussion forums, it seems that a lot of them never pay out, or make it a nightmare to do so. Maybe that's why they are so cheap! (I pay £190 for a family of four for annual worldwide cover with lots of extras added - not cheap, but hopefully watertight!)
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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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You'll need to Register first of course.
You'll need to Register first of course.
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| Quote: |
there was always one thing that was missing - terrorism cover. I was amazed how many left this out as you are likely to be disrupted by this anywere these days
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That would explain why they leave it out then.
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buzz55, have a look at snowcard. They provide cover that is priced according to the activities you want to do. So read carefully before you select the level you want - if you go for them. I am insured with them - and was pleased with there response when I had an accident.
| Lizzard wrote: |
| Quote: |
there was always one thing that was missing - terrorism cover. I was amazed how many left this out as you are likely to be disrupted by this anywere these days
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That would explain why they leave it out then. |
Yup. Riots, civil disorder and that sort of thing are not normally covered - wouldn't expect terrorism to be covered either.
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I used www.ski-insurance.co.uk for my season a couple of years ago and had two small claims for medical stuff, they handled both pretty well. I have Dogtag this year as I "fell" a bit on impulse for the marketing, I do like the idea of "wearing my insurance" whilst doing sport but I would use Ski insurance again.
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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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buzz55,
I think Columbus Direct do this on their website (do a google). I had world wide travel insurance with Winter Sports through them and you can also include other "modules" such as watersports to cover scuba diving / canoeing / inshore and offshore sailing (which is what I wanted) and I think you can also select other sports such as paragliding and bungee jumping if that's your bag.
Never had to claim though so I cannot vouch for their service then, but setting up policy etc is efficient and they seem to know what they are at.
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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| Tatty wrote: |
I was amazed how many left this out as you are likely to be disrupted by this anywere these days - the airport, tunnel, ferrys etc etc.. Just imagine being at the airport and your holiday being cancelled because you can't get out - AND not being able to claim for it..!
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If you find some co that includes that then let us all know..personally I'm quaking in my boots at the though of Mr Evil targetting my nice trip to St. Anton I've got booked in March...I'd better stay at home and never go outside my front door.
unbelievable
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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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yes Bertie - as mentioned above, First Direct covers me for terrorism and off piste, mountain biking etc..
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| Tatty wrote: |
Hmm - just looking at the posts above, maybe this should be added to the sticky thread..
PS - there are some very cheap annual policies out there, but having read many insurance discussion forums, it seems that a lot of them never pay out, or make it a nightmare to do so. Maybe that's why they are so cheap! (I pay £190 for a family of four for annual worldwide cover with lots of extras added - not cheap, but hopefully watertight!) |
Yeah I agree, you never know until you try and claim... then you jump through all the hoops until you get fed up.
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You know it makes sense.
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| Tatty wrote: |
| yes Bertie - as mentioned above, First Direct covers me for terrorism and off piste, mountain biking etc.. |
yes the first direct looks most promissing, covers:
Cross-country skiing (on recognised paths)
Dry slope skiing
Off-piste skiing or snow boarding º
Skiing or snowboarding (on recognised pistes)
Sledging
Snow mobiling ✝
Snow shoeing
✝ No Personal Liability cover
º With a qualified guide in areas that resort management consider to be safe
BUT has anyone ever claimed?, have they been ok?
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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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2 clients of mine claimed on the BMC insurance.
No problems. No delays. NO cowdoo.
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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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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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buzz55, unimpressed.
| Quote: |
Off-piste skiing or snow boarding º
Skiing or snowboarding (on recognised pistes)
º With a qualified guide in areas that resort management consider to be safe
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I have been in resorts where it is not clear where the edge of the pistes are. And even if you are not a keen off-piste skier (and there are circumstances where I would ski off-piste without a guide) what about the days where there is no avalanche risk from above, the powder between piste has been fully skied out - are you seriously saying you would never ski a well-tracked run - perhaps to get a few moguls in? If it's your unlucky day, and you have an accident there, rather than on the piste, you are not covered. Furthermore what constitutes an area that the resort management considers safe? Let's say you are with your guide. The Avalanche Risk is 3. The guide is however content to do a run because he knows it well, and in his assessment, the conditions in that localised area make the risk reasonable. But it's your unlucky day, and something does go wrong. Are you covered?
Perhaps First Direct are sympathetically flexible in such circumstances. Personally, I would not want the worry.
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