 Poster: A snowHead
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A thought provoking article by davidof on Piste Hors. Worth reading before you renew your holiday insurance.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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rob@rar, but what to do? Most policies I know have clauses along those lines - in th end we hope the insurance company will be reasonable. In this case it would seem not to have been. The family could take the insurance company to court, I suppose - but with our legal system I suppose they might risk a lot of money to do that.
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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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Sad and interesting article, thanks for the read.
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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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| achilles wrote: |
| rob@rar, but what to do? Most policies I know have clauses along those lines - in th end we hope the insurance company will be reasonable. |
Sorry but the obvious answer to this is get an insurance policy that gives full coverage as opposed to buying second rate operator package insurance deals. BMC Insurance comes to mind instantly though i'm sure there are many others as well.
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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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Insurance companies are bookies - they are betting everything will be ok - you are betting it won't. They will always try and shift the odds in their favour.
The idea that an avvy risk of 3 automatically precludes all off-piste is patently gaga. To bill the parents of the dead kids is just sick.
The trouble is - as the changes of underwriters and insurers of the SCGB policies shows - things do change from year to year. Difficult to keep track.
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You'll need to Register first of course.
You'll need to Register first of course.
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stoatsbrother, I believe that more fatalities occur at avalanche risk 3 than at higher risk levels.
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I assume that they have also taken their case to the Insurance Ombudsman, having first complained to the insurers. No legal fees involved.
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David L, Indeed - but more skiers go out - what is the fatality rate per skier hour?. I think pistehors has looked at that previously in more detail. Surely at level 3 - the skiable terrain reduces considerably - but it doesn't mean everything off piste is out?
The issue here appears to be that the insurers took their assessment from a brief report, rather than more detailed expert opinion.
| Quote: |
"....asked Alain Duclos, an expert witness on avalanche incidents for the French courts, to investigate.
Alain points out that skiing at risk 3 is considered acceptable by both mountain professionals and recreational skiers...." |
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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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| frank4short wrote: |
| achilles wrote: |
| rob@rar, but what to do? Most policies I know have clauses along those lines - in th end we hope the insurance company will be reasonable. |
Sorry but the obvious answer to this is get an insurance policy that gives full coverage as opposed to buying second rate operator package insurance deals. BMC Insurance comes to mind instantly though i'm sure there are many others as well. |
The BMC policy - underwritten by Fortis.
Look at page 10
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What is not covered
.........
b) Deliberately putting yourself at risk
(unless you are trying to save someone’s
life). |
So we are back to hoping for a reasonable interpretation - in this case of what 'Deliberately putting yourself at risk' means.
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ANyone seen the trailer about travel insurance on BBC World? The insurers are tightening up and the BBC are looking for case studies for a feature on it.
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FAQ
