 Poster: A snowHead
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How many of you, when hiring skis, take out the shops theft/loss/breakage guarentee?
Going to sort my hire out my self this year and dont know whether to pay for a higher winter sports insurance premium to cover hire ski's or just take out the shops.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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o11y, From personal experience, when you are asked if you want the insurance, in the shop, check what is covered and if it looks pretty comprehensive and not stupid money, take it. My husband's hired poles were stolen outside the restaurant on the mountain, and it cost 20 euros to replace them  - not worth claiming on holiday insurance and a PITA - you WOULD need cover for the simpler things such as light-fingered g***, as well as the more dramatic possibles, so see if they are 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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| o11y wrote: |
How many of you, when hiring skis, take out the shops theft/loss/breakage guarentee?
Going to sort my hire out my self this year and dont know whether to pay for a higher winter sports insurance premium to cover hire ski's or just take out the shops. |
You will find that most winter sports insurance policies cover loss/theft/damage of hire gear as a matter of course. IMO, it's only worth getting the shop's cover as well if the gear is likely to cost more to replace than the cover limit in your main insurance.
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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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| o11y wrote: |
| How many of you, when hiring skis, take out the shops theft/loss/breakage guarentee? |
I don't, on the basis that they offer the insurance to make a profit so in the long run I'm better off not insuring (probably!).
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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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Thank you for your replies. I cannot get access to any terms and conditions for the shops guarentee. So on that basis would rather pay a little extra on our holiday insurance to cover any loss or damage.
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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 insure with them, you break the skis (as I have managed too) you pay their excess of 50 quid or so and claim that alone from you insurance.
Otherwise, they bill you for full amount which you have to pay there and then (anywhere up to £400) and then in turn have to claim that back from your insurance.
If you are happy to pay that sort of money out and then argue the toss with an insurance company that will try and break your will to live then go for it. Personally a few quid extra for an easier life is worth it to me... 
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martski, I doubt that anyone would be happy to shell out, but the chances are that over the years you'll spend more on insurance than you'll save by not paying for lost, stolen or bust skis. But who knows? Getting insurance is a gamble, not getting insurance is a gamble, but with slightly better odds.
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Precisely, all insurance is gambling, depends what your personal odds are....
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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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I suppose the thing to do is to insure against events which you think you are significantly more likely to undergo than most people (providing that the insurance co. doesn't know that), so that your odds are improved to the point where the insurance becomes a good bet. If you find that you break or lose lots of skis, the insurance is probably a good deal. If you don't, carry the risk yourself (assuming that the cost of new skis wouldn't be prohibitive for you).
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