 Poster: A snowHead
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very quick question I am hoping to get answered asap. Appreciate there may be something deep in the snowheads archive but don't have hours to read back all the posts.
I need a full season insurance for winter sports.
Do I also need carte neige?
What should I check I am covered for?
are there any nasty hidden loopholes?
has anyone used insure-and-go? i'm finding them quite pushy.
cheers
sarah
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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If Insure&Go are being pushy, just tell them to stop getting in touch with you.
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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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yes I do want to buy insurance though....
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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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Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
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1. No
2. Off piste cover (if that's relevant to you), piste rescue, under what circumstances they will repatriate you
3. Depends on how honest the company is, I suppose!
You could search the Natives forum as well - people on there are more in the habit of using full season insurance.
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You'll need to Register first of course.
You'll need to Register first of course.
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Thinking of an american express prestige policy. Not quite all season but with the worldwide option covers up to 120 days in any one trip. As I'm away for around 3 months and unsure if i'll be popping back to uk or not this policy seems pretty good. Covers general off piste without a guide, also phoned and confirmed it covers : ski touring, ice climbing, x-country, backcountry. The excess goes up for riskier options like ice climbing and you lose some personal liability cover  The cost seems very reasonable, I was quoted around £180, annual policy for family for trips up to 120days. Have been with ski club previously but no longer provide cover for trips over 60 days.
Anyone any experience of the amex policy?
http://www.americanexpress.com/uk/personal/insurance/travel/policytypes/AnnualPrestige.shtml
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waynos, no experience yet, but we've just bought it, for the same reasons as you set out. It has some "extras" not on our previous ski Club policy - for example an emergency plumber if you have a burst pipe or similar at home, when you're away.
queen_sheba, one thing to check (if you think you might pop back to the UK during your season) is whether the policy covers that - a lot of the season worker ones don't, though some give you that option at extra cost.
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| queen_sheba wrote: |
very quick question I am hoping to get answered asap. Appreciate there may be something deep in the snowheads archive but don't have hours to read back all the posts.
I need a full season insurance for winter sports.
Do I also need carte neige?
What should I check I am covered for?
are there any nasty hidden loopholes?
has anyone used insure-and-go? i'm finding them quite pushy.
cheers
sarah |
Need? No.
But I always bought one. It gets you off the mountain (piste & off-piste) for no cost (inc choppers). You start paying when you are put in the ambulance.
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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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waynos, we have bought the amex one too
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went for MPI standard cover and will buy the carte neige once I get a proper look at it in resort.
thanks all
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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pam w, Mouth, With Amex policy for activities like ski touring, which i'll be doing some this season, the liability cover does not apply. However I see that if you join the BMC (british mountaineering club) you get liability cover. Think i'll go for the combo of the 2 (amex and bmc membership) as it works out quite reasonable cost and is pretty comprehensive. Happy and safe skiing.
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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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We do Atlas Direct every season - cheap, and when we claimed once they paid up straight away
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snowsteve, that looks an interesting policy - trips up to 365 days! Looking at their website I couldn't immediately see how their rules work on off piste skiing?
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You know it makes sense.
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Just had a look at the policy wording ...
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if Winter Sports cover is included You are
still not covered for the following activities: Off piste skiing or snowboarding unless
accompanied by a locally qualified guide, skiing against local authoritative warning
or advice |
... so as long as you're with a guide you're covered - will suit some, but not others I guess.
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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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queen_sheba,
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| are there any nasty hidden loopholes? |
Probably. If an element of cover is important to you email them to double check even if it is in black and white.
One sticking point with 'season' insurance (i.e. you are going be in resort for the whole season) appear to be trips home, and/or trips away to other resorts. In some cases returning home for a weekend will cancel your policy. In another case I heard about recently some was not covered as they were doing a season in country A, but went 'next door' to country B for a weeks training. They needed to claim but the claim was refused as it counted as a 'new trip'.
The last time I organised a seasons cover I went ski club but according to bertie bassett that may not be an option. Prior to that I used Fogg seasonal cover, although you would need to watch the returning home thing. But it's cheap enough to buy again if needed.
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