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Insurance Question

 Poster: A snowHead
Poster: A snowHead
Just checking if anyone has experienced this in the past.
If you damage hired ski's when skiing does your travel insurance cover the cost you paid to the hire shop?
Rep said it would be best to get a report from Police saying they were stolen.
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
MhicEasmuint, the rep said it woudl be best to commit fraud Shocked you need to check your own policy - they will vary. It's not the cost paid to the hire shop you need to worry about, it's the replacement value of the skis - if they are a write off it will be several hundred euros, depending on what you have.
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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?
It was 407 euro.
Reading the policy i'm not 100% sure whats covered. Its with direct travel.
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They're great reps aren't they? Quite happy to suggest that a customer goes down to a foreign cop shop to commit a petty but blatent crime. In my experience, local police don't enjoy filling in reports for stolen skis, may have questions and they're not stupid.
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MhicEasmuint, report the rep. Plonker.
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And the ski's where stolen where, outside a restaurant albeit cable locked to a fence, in the locker room that other people have access to !!, you're still not covered. Unless they are stolen from a locked room, which only you have access to i.e. your hotel bedroom you're not covered, presuming you bought your cover from direct hols or similar.

Speaking from experience, read the small print, they do not pay out for stolen skis
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Yeah thats the thing they weren't stolen. One was broke whilst skiing.
Is that covered in travel insurance? Unlikely?
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Kel, mine does if they were locked to an immovable object - I checked and I always lock them
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MhicEasmuint, I don't see why they shouldn't be covered. my policy with lloyds covers hire skis - its accidental damage innit.
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Yeah it was accidental while out skiing today. One cracked in front of the binding. He took them back to the ski shop and had to pay 407 euro for it.
He has the receipt for it, so I assume thats all that will probably be needed?
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MhicEasmuint wrote:
Yeah it was accidental while out skiing today. One cracked in front of the binding. He took them back to the ski shop and had to pay 407 euro for it.
He has the receipt for it, so I assume thats all that will probably be needed?


This should be on the Do I or buy or do I rent thread, €407 for one ski, which may have had this fatigue previously. With this experience BUY
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holidayloverxx wrote:
Kel, mine does if they were locked to an immovable object - I checked and I always lock them
I have a specialist annual policy now, but a none specialist policy i.e. one you buy from the travel agents or Tesco etc has every eventuality covered in there favour.
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MhicEasmuint, I reckon accidental damage would be covered whereas a pseudo-theft probably wouldn't be. Clearly, need to read the small print. If I were you I'd start getting shirty... 407 euro for one used ski is excessive. The rep is on the make perhaps? Cosy deal with the shop? Wouldn't be the first time in the history of the alps.

What model ski was it? Let's help you first by finding out its trade price (remember shops don't pay the rack rate). Unlikey that a whole pair would cost 407 excluding bindings (which, I take it, are undamaged and reusable). If it wasn't a brand new ski then depreciation is a factor.

Get shirty, start grilling the useless pillock, talk to his HQ about his unorthodox procedures and demand to cough up no more that what is reasonable. Your insurance co will probably laugh at 407 Euro. Do not pay anything til you are satisfied.
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 You know it makes sense.
You know it makes sense.
holidayloverxx wrote:
Kel, mine does if they were locked to an immovable object - I checked and I always lock them
amazingly 90% of all skis reported stolen were 'locked', but I always seem to have trouble tripping over the 10 % wink that are laying around everywhere out side the restaurants Laughing
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 Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
He has already paid it to get back out skiing this afternoon.
Not sure now of the make. The rep told us this evening that both ski's were damaged. One cracked and the other one was away from the i binding or something.
I never inspected them that much myself. Seen it was broken/cracked at the front of one binding and floppy.
This happened near the top of the mountain and my mate was unable to ski with it. So i gave him my ski's and I took his and was able to ski down to the resort again with them. (Leaning back the whole time). So that way I am assuming the bindings were ok.
They were Superior ski's if that has any impact.
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 Poster: A snowHead
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Bode Swiller, He's already paid the €407 !!!! Embarassed Embarassed
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
MhicEasmuint, Name and Shame the hire shop
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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?
MhicEasmuint wrote:
They were Superior ski's if that has any impact.
The only impact is on my suspicious nose. He's already paid then. Great. Just say that, under advice, you need to have the actual skis independently inspected and sight of the invoice showing the trade price of the skis. You are not prepared to pay over any more than that. Pay nothing yet. If he squeals, talk to his bosses about the whole debacle. Someone is taking the p!ss out of you my friend.
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MhicEasmuint, 407 euros buys some pretty good skis at the moment. Remember that they still have the bindings and get them at trade prices. Your mate was done.
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MhicEasmuint, my (Amex) policy specifically excludes hired skis from cover for loss or damage. It equally clearly clearly covers my own skis (if I had any). Seems odd, but there it is.


Last edited by Anyway, snowHeads is much more fun if you do. on Tue 20-01-09 22:16; edited 1 time in total
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Kel wrote:
MhicEasmuint, Name and Shame the hire shop

But have they done anything wrong?
Could we say anything to them now?
We are probably just naive so far like.
If it was only the ski itself broke rather than the binding, how much would it cost?
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MhicEasmuint, bit confused here. Who paid over the 407 euro? The rep or your mate?

And what resort are you in?
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No it was my mate paid it to the hire shop.
it was just later on when talking to the rep back in accomodation that she said that other method migght be better.
Selva
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MhicEasmuint, trade price on a pair of "superior" hire skis excluding bindings somewhere between 120 and 150 Euros. If it was a previous season ski bought in a job lot, probably sub 100 Euro. The shop has rented them how many times? Probably 5 times this season already.

Quote:

But have they done anything wrong?
yes, they've taken the p!ss out of you.
Quote:

Could we say anything to them now?
Of course you can say something now. Start with the tourist office (they don't like to see guests being ripped off as it harms the resort's image) and the rep's company.
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We are probably just naive so far like.
that's what they hope for in these circumstances.
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MhicEasmuint, Tell these guys the story:

Tourist Office Selva Gardena
Str. Mëisules, 213
I-39048 SELVA GARDENA (BZ)
Tel.: (0039) 0471 777900
Fax: (0039) 0471 794245

E-mail: selva@valgardena.it
Homepage: www.valgardena.it
President: Josef Kelder
Direktor: Ellis Kasslatter

They'll absolutely hate hearing this kind of thing and, worse, seeing it in the public domain.
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MhicEasmuint wrote:
Kel wrote:
MhicEasmuint, Name and Shame the hire shop

But have they done anything wrong?
Could we say anything to them now?
We are probably just naive so far like.
If it was only the ski itself broke rather than the binding, how much would it cost?


I can't imagine what kind of abuse your mate must have given these skis to break both of them if they were not knackered in the first place, €407 for a pair of ex hire skis and they keep the bindings. To be fair I have no recent experience of hiring, but you have definitely been had and I suspect there might be a very large drink in it for the Rep too. That's why I say name & shame, hire shop & resort.

I would say that you have been naive, but that is no excuse for them to treat you like a cash cow.
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And love to help out and answer questions and of course, read each other's snow reports.
Thanks for this information.
I will go to the hire shop tomorrow first and have it out with them.
if they don't wise up I will go to the tourist office. It is just across the street as far as I am aware.

He was on a slope skiing and you know at the side where the piste basher has beat it down then the edge is that bit higher aand hard. He skied straighi looked t into that as far as I am aware.
When I looked at them it appeared only 1 ski was broken. And I was able to ski to the bottom of the mountain with them so the bindings had to be fine.
It was later that evening when the rep was in the hotel that she asked us about it. She had been in the ski hire shop and they told her about it. They said that both wwere broke. The other one the binding had come away from the ski a bit. She asked how much it cost and when told she said that was probably about right.
Just thinking now it would probably have been a good idea to have taken photo's of them.
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MhicEasmuint, your mate has a right to have the skis... he owns them now. Demand them back, get them inspected.
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 You know it makes sense.
You know it makes sense.
Thanks. Will also do that. Alot of useful information for when i go in the morning.
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 Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
When we have broken skis (3 pairs so far) the shop has always accepted then back for no fee, although pessimist that I am I never expect them to. Unless you did something out of order they can't have been in a great state to start with! aj xx
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Bode Swiller wrote:
MhicEasmuint, your mate has a right to have the skis... he owns them now.


He might have a moral right but I doubt that the has a legal right to the old skis. His contract with the hire co requires him to pay an amount of money if he trashes the hired skis; I doubt that it transfers ownership of the trashed skis. He hasn't bought the broken skis, just performed the contract by paying the required sum.
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richmond wrote:
Bode Swiller wrote:
MhicEasmuint, your mate has a right to have the skis... he owns them now.


He might have a moral right but I doubt that the has a legal right to the old skis. His contract with the hire co requires him to pay an amount of money if he trashes the hired skis; I doubt that it transfers ownership of the trashed skis. He hasn't bought the broken skis, just performed the contract by paying the required sum.
Yes, I expect that's correct if he hired directly from the shop. I suspect he signed up with the tour operator. Whatever, a bit of thumping on the counter and some angry finger pointing will add to the holiday fun. The rep has been weak and stupid.
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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?
Bode Swiller, good to find someone else who views this sort of incident, not as something which spoils one's hol, but as an opportunity for a bit of cathartic rage.
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MhicEasmuint, With Direct travel it would depend whether you have Premier or Premier plus cover.

Premier gives £300 max for hired equipment, Premier Plus or Senior Citizens gives £500 max.

https://www.direct-travel.co.uk/Documents/Current-Policy-Wording.pdf Section 15, page 28
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alex_heney wrote:
MhicEasmuint, With Direct travel it would depend whether you have Premier or Premier plus cover.

Premier gives £300 max for hired equipment, Premier Plus or Senior Citizens gives £500 max.

https://www.direct-travel.co.uk/Documents/Current-Policy-Wording.pdf Section 15, page 28

It's the Premier Plus policy. I had read it but i thought it was vague and not sure whether it covered damage to hired ski's.
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I read that as you being covered for hired equipment, otherwise why would they state a maximium payable for hired equipment?

The wording about "your own ski equipment" means that is in your possesion not someone elses possesion. It is a bit misleading.

Note also that you should have the skis to take back to the UK for them to examine. Print the policy wording off and take that to the hire shop.

Get that prat of a Rep to earn their money and go with you for translation purposes if nothing else. Best of luck to you.

Also make as much noise as possible as it will put off other customers and that will cost them money and hopefully settle in your favour.
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When I hire skis I pay the extra for the shop's own insurance. Cheap. Gives peace of mind. Saves tears.
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achilles, likewise - hired three pairs last week for the kids and shops insurance cost about €1 per set. Given the abuse the kids give them through carrying, dropping, skiing over anything - seemed like a bargain to be able to just hand them back no questions asked at end of week!
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The shops insurance was 18 euro.
This evening I called the rep and explained to her that I thought that my mate had been ripped off etc mentioning the cost etc you guys mentioned here for the new ski's only part.
She said she understood all my points but any case before always had to pay out a similiar amount. And that the other shop in one of the other towns in the valley people have had to pay up to 600 euro for broken ski's.
So not much help there and she mentioned to bring them points up with the hire shop.
So I went to the hire shop and mentioned alot of the above points with a bit of difficulty with language. But they said that all them ski's they buy in are together ski bit with the bindings and they would only be dumping the old ski's. I mentioned that the bindings were still fine and that they could use them. They said they wouldn't be using them and that my mate could take the ski's with him if they wanted.
Both ski's were actually broke, just at the front of the binding. So in the end we took the bindings with us.

I rung the travel insurance company and the girl I was speaking to said that damaged hire ski's were covered under the policy. Just need the receipt and a photo of the damaged ski's.
So at least he will get most of his money back.
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