Poster: A snowHead
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i'll be backwards and forward to different parts of europe next season and am looking at insurance.
To cover the whole season for winter sports Insure&Go do a policy for about £116.
However that's continuous cover, which i don't need. Probablly i'll be doing a week in december, a week in Jan, another in Feb & 2 weeks at easter.
On I&G normal multi trip policy they give 17 days winter sports cover. I'll be skiing about 33 days, so taking out 2 of those at around, for example, £30 each for the basic policy would seem the best deal.
any comments?
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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Hmm. I suspect that 2 annual policies would leave you open to both companies claiming that you were covered under the other one. I would think that either you go for an annual policy that covers 33 days skiing, or separate weekly ones for each trip.
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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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riverwhy, direct travel, as many trips as you want up to 17 days per trip on their annual wintersports policy.
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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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Elizabeth B wrote: |
Hmm. I suspect that 2 annual policies would leave you open to both companies claiming that you were covered under the other one. I would think that either you go for an annual policy that covers 33 days skiing, or separate weekly ones for each trip. |
Can they do that? If you pay your premiums shouldn't you be able to claim whether you've taken similar cover somewhere else or not?
I know that some would see $$$ in fraud potential but do they legally have the right to refuse the claim?
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well i wouldn't take out the second one til the first 17 days had expired....
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riverwhy, is that £30 for an annual multi trip with up to 17 days skiing? Sounds suspiciously cheap.
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pam w, my last one was £40, that includes a 10% discount for renewal.
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You'll get to see more forums and be part of the best ski club on the net.
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yes, same sort of price at direct travel, but it's only their basic (silver) cover.. gold is £38, platinum £45
what i don't know is whether the 17 days has to be continuous cover (suspect it does) , or if it's ok if it's split by a few weeks
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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Direct travel also offer off piste without a guide for those of us so inclined
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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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Kruisler, I don't know for definite, but I know most insurance policies say something along the lines of "we reserve the right not to pay out if you are covered under another insurance policy". How the two would determine who's days you skied on, I don't know.
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You know it makes sense.
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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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116 quid seems a bit pricy for a 17 day insurance. I'm sure mine is Flexicover worldwide travel insurance with 31days skiing for just over 100 gbp, but remember that I'm paying an extra premium for UK spec ski inurance for a non-UK resident.
Of course, read the small print regarding max trip lengths, 3rd party coverage, what sports (off piste?) are/aren't covered etc.
Most/many people will be double insured to some extent. They don't cancel each other out, but it's up to the insurance co to decide who's going to foot the bill afaik. Eg if you have health insurance via work and a health component on travel insurance, they don't/can't cancel each other so you have nothing! Ditto for say free (basic) insurance given by credit card co.
(PS remind me to write to my MEP and the EU competition minister sometime about Insurance and EU residency)
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Poster: A snowHead
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following the travelplan direct links from money supermarket i ended up here http://tinyurl.com/5ahvdl
with a quote of £37.40 for annual cover including winter sports...
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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riverwhy, I spent a fair while looking at insurance, if you go off piste make sure your policy includes that, some only cover off piste with a guide (or not at all). Obviously if you have a 'carte neigh' or similar, this doesn't matter.
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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 can't see any exclusion for off-piste skiing, only these that they dont cover at all - not sure how you would define some of those, & i've included "use of skeletons" because i have no idea what that is related to & thought it might make some f you smile
Ski Jumping
Ski Randonee (que??)
Ski Flying
Ski Mountaineering
Ski Stunting
Use of Skeletons
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You need to Login to know who's really who.
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riverwhy, Being curious to why I missed this policy (as it is cheaper than mine), I had a look. Clearly states off piste only with 'suitably' qualified guide.
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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.
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i clkicked on winter sports cover, then cover details.. where does it mention off-piste Allan?
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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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off piste cover in not included without a resort guide on most policies. always check this thoroughly. I & G are the same as thats why i did not take out a policy with them
I found one with no off piste restrictions in europe... however, worldwide OP was specifically excluded.
I cant remember who i go with, but keep the details at home if anyone wants them. one week is about £20 tho (otheres with OP restrictions about £9 - 15).
as for refusing indemnity, the situation is that the most intentional policy applies. EG you have annual travel oon your HH policy or C/card, but but a specific wintersports travel pol for the specific time you are going... that one apples.. the HH or C/C will refuse. General insurance practice. totally acceptable
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allanm, in insurance there is either piste of off piste... no in between.
the policy specifically states "off-piste skiing applies only where You are accompanied by a suitably qualified guide"
If you go off piste, dont chance it cancel the policy within the 14 day cooling off period (full refund) and get OP cover. I have seen horror stories costing ppl thousands... or their life cause the cover was not in force !
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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Libertine, I meant the difference between 50 yards of the side (technically off piste, as outside the markers) and..... well.. off piste.
The policy I mentioned above does include off piste within a resort, however, it says in exclusions 'Inexperienced skiers / boarders must be accompanied by a guide'
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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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allanm, off piste is outside the markers. where does it say about inexperienced skiiers.. where is that definition within the policy??
insurance is probably the most important holiday buy for sports holidays. most ppl forget to examine the exact cover as they are thinking about the exciting stuff... insurance does not fall in that category.
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Libertine, Hi, if you are talking about my policy (link above, somewhere) , I've put a copy here -> http://www.19x.co.uk/PC97387PolicyTerms.pdf -> can't be bothered finding it on their web site.
Section 18.
This looks to be good for world wide OP, obviously paying the additional WW premium.
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You know it makes sense.
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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 just renewed annual travel cover for my wife and me with Direct Travel. They have proved good at meeting claims and premiums are cheap. The premiom for Europe with skiing (17 days per trip) is £68. We paid £52.02 by removing personal possessions and money (covered by house contents policy) and getting 10% loyalty discount.
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Poster: A snowHead
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Jehu, does that include off piste cover?
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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Jehu, i meant to say ......does that include off piste cover without a guide?
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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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Jehu, Good point on the opting out of the 'personal possessions' I should have done that as well and saved a tenner. As with you, my house insurance pretty comprehensively covers this. This woluld have brought mine down to 60GBP for max 31 day trips.
In all probability the travel insurer will try to pass any claim onto your house insurance anyway, from what I've read in the small print (in different policies) about 'existing insurance'. Is this right...anyone?
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You need to Login to know who's really who.
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Libertine, yes Direct Travel includes off-piste cover without a guide, except for backcountry in N America where you're only covered if you're with a qualified guide.
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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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cathy, thanks.. worth knowing to compare prices
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Kruisler, yes they can do that Elizabeth B is right, its a principle called contribution which effectively means if cover is duplicated the most specific policy will be used or the insurers will both contribute to the claim.
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I've got annual travel cover with wintersports with Flexicover and they're pretty good. I'm not sure if they cover off piste without a guide but for the average holiday maker they will be fine. I paid about £40 for an annual policy for 2 people and have claimed 3 times over the last 2 policies, once for no snow, once for £500 medical expenses due to torn ligaments, they also organised me 3 extra seats on the plane home with no hassle or extra charge and I also recently had to cancel another holiday due to medical reasons and each time they have paid out with no hassle, very quickly.
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You'll get to see more forums and be part of the best ski club on the net.
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they only seem to offer 17 day winter sports cover on the annual multi-trip policy though Lynsey
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