 Poster: A snowHead
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Our annual travel insurance is coming up for renewal soon, so I'm starting to look around for renewal quotes.
There are quite a few comparison sites which give quotes from many suppliers, and you can specify Europe or Worldwide, and add in winter sports, but I have found none of them let you specify the minimum number of days of winter sports - the majority of suppliers only permit a total of 17 days (on a supposed annual(!) policy), which is not sufficient - I need at least 28 days  .
So when the comparison sites come back, I spend ages search through each of the policies to find one which will allow more than 17 days.
I do try it from the other direction: trying suppliers such as Fogg and Snowcard which I know do allow sufficient days, but their quotes are substantially more (like triple!) than the cheapest returned by the comparison sites.
Does anyone know a comparison sites which will allow me to specify at least 28 days?
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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RobW, No but Direct Travel allows that many days although they have a max number of skiing dayhs per 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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RobW, Another vote for Direct Travel, who allow multiple trips with a max of 17 days skiing on each one, with their annual policy.
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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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+1 for direct travel. I had to make claim this year as Mrs NBT fell ill and their claims handlers were good, too
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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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RobW, Try www,moneymaxim.co.uk run by Skimark. We found our travel policy on here and we have a requirement for a whole season of skiing which includes Europe and Canada (thanks to YOUR recommendation!!). Mark will offer you advice and sort the best policy for you and family. I can highly recommend him
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You'll need to Register first of course.
You'll need to Register first of course.
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RobW, Dogtag, who advertise on here, will allow you to specify up to 31 days p.a.
Just run a quote for a annual worldwide policy, for a couple, with 24 days winter sports - £150 for the top level of cover which seems pretty good to me.
I have cover already through my bank account and a credit card but from experience would not rely on them to step up to the mark for anything other than a routine or minor claim 
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SCGB insurance includes off-piste and is usually pretty reasonable for annual policy.
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Dogtag, who advertise on here, will allow you to specify up to 31 days p.a.
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but beware of their European-unfriendly weaselly wording on off piste. Put me right off, having been unable to get any sense out of them despite several phone calls. Agree with Mouth that moneymaxim well worth a go. They found us an excellent policy but expect to pay serious money for lots of skiing days and longer trips, even in Europe. Direct Line sounds absolutely ideal if all your trips are short ones.
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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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Thanks for the pointers. I does seems like no seach engine will do the work for me.
Got a decent quote off Direct Travel: for 2 adults+2 kids, including multiple ski trips (max 17days each), without posessions/money cover (got that on the house insurance) then they are coming in at £63 for Europe, or £87 for worldwide. Even if I add posessions/money cover it's still about £30 less than existing insurer (Fogg) is asking.
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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pam w,
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but beware of their European-unfriendly weaselly wording on off piste.
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Exactly why we use SCGB - no quibbles.
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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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I use direct travel and just pay for more days if i go over the 17 day per trip limit. At the end of the 17 days i ring them up and buy an additional policy for a week or two which ever i require.
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You know it makes sense.
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WayneC, Please don't try this - all the policies I have seen require return travel to have been booked before you travel, and they will ask for the tickets if you claim (or at least they did when No1 daughter landed No2 daughter in hospital after an on piste coming together!), so they will quickly see you were away for over 17 days.
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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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Poster: A snowHead
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WayneC,
Apologies - I had misread your reply and thought you meant you would change from one policy to another whilst away.
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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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You need to Login to know who's really who.
You need to Login to know who's really who.
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Here a further question about Travel insurance that I've never had answered ...
When should you buy TI ?
Say you book your holiday now or before now and are going in Jan or Feb - Your planning on buying a yearly policy so only get this to start on the day you travel, Your then struck down by a car 1 week before your due to go .... What happens, are you covered ???
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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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Personally I would get cover immediately I book - if its an annual policy then its ongoing - you will only be covered for cancellation if the policy is in force when the event happens - could be an accident, but many companies cover other events such as redundancy, tour operator failure, strikes by airlines.
An insurance company will only ever provide cover against a 'possibility' - if its become a certainty i don't think you'd ever get cover. One thing to be careful of when changing annual insurance providers is whether you have anything that would have been covered by a existing provider that won't be if you changed - eg if you have a medical condition that has been diagnosed since you booked the holiday a new insurer may not cover you if you cancel because of this, whilst the old one would, as they were your insurers before the diagnosis. (Hope that makes sense!)
I suppose the only time I would consider not would be if my costs I had already paid (say a flight/car hire) and commitments were very low (say the hotel wouldn't still charge me if I didn't turn up).
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You'll need to Register first of course.
You'll need to Register first of course.
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...and if its a single trip policy the normal wording is something like....cancellation cover starts immediately you purchase this policy or when you book your holiday whichever is later. Cover for all other areas of this policy is for the duration of your trip as stated on the certificate - which means you would be covered for cancellation in the situation you have suggested if you bought the poicy at the same time you booked - but not if you waited to buy the policy until your day of departure - hope it doesn't happen though!
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FAQ
Buy a short trip 14 days for half the season, then an annual policy with 17 days inc... How would they know?
But if you were making multiple trips then a 14 day and 17day annual or two 17 days annuals would work as long as you came back here inbetween. How would the second company know about the first company or your earlier trips. 