Should we set up an insurance company?

A snowHead

As I understand it, everyone that goes skiing in France is advised to purchase carre niege insurance in addition to their holiday insurance (with wintersports cover)
As I understand it, if you have an accident while skiing, the carre niege provides adequate cover for any medical treatment required - so no claim would need to be made on the insurance that was purchased pre holiday.
So why do we have to pay the full price for holiday insurance?
If an insurance company were to sell insurance that only covered you for the things that the carre niege didn't - i.e. cancellation, delays, lost baggage, accidents occuring whilst travelling to and from the resort....surely they would be able to offer it at a significant discount.
Why doesn't any company offer this?
How many skiers choose France for their snowsports holiday(s) each year? Is there an opportunity here? Snowheads insurance co. ltd ?

A snowHead

Standard travel insurance that doesn't have a winter sports policy should cover you for this - lost baggage, accident on way to or from resort, cancelled flight.

Compared to winter sports cover (£60 per year roughly) a standard policy would probably be half that.

So the carre-neige is effectively halving the cost of insurance. Except it only covers one trip. At £2.50 per day, it's not the cheapest winter sports cover, but mre than anything for me, it ensures that even unconscious on my own down a crevasse somewhere the rescuers instantly know I am insured.

Setting up an insurance company is not easy, and requires a lot more than just a group of people getting together. Much better would be to get a Snowheads discount from a few major insurers, not sure if there is something already set up.

Well, the person's real but it's just a made up name, see?

youspurs1, I believe that carre neige only covers rescue off the mountain and not for medical treatment. A standard travel policy won't give you the cover necessary for winter sports.

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Just get travel insurance with winter sports cover, that's what I do. No need for any add-ons. There are plenty of providers out there. Mine is included with my bank account!

Anyway, snowHeads is much more fun if you do.

I think geepee is right. I looked into this for a friend a couple of years ago, and remember deciding that the carre neige thing was inferior to winter sports insurance but better than nothing. I think if you're doing more than a week's skiing over the course of 12 months then an annual winter policy is probably cheapest anyhow...

You'll need to Register first of course.

Agreed, geepee, but the principle that youspurs1 is outlining makes sense for the purchaser (not necessarily for the insurer) that it would be nice to be able to get a discounted insurance that didn't cover you for evacuation from the French slopes.

Like Monium, I pay the supplement. Having been stood beside my wife with her shoulder dislocated on a slope in Zermatt Christmas 2008 and they were suggesting that she might be evacuated by helicopter and all I could think of was "Yes but is her shoulder acutally covered as she has dislocated it before? I'm sure I told the insurer, I'm sure I told the insurer..." it would have been nice to know that it was all covered whatever.

Then you can post your own questions or snow reports...

Great idea lets club together and buy Dogtag they must make huge profits, every time I log onto snowHeads I get that ugly Dogtag bloke staring at me, we were promised a Dogtag girl but she hasn't appeared so far Toofy Grin

After all it is free

Dont want to be accused of spamming but i do this all the time for sports affinity groups such as supporters club and sports clubs.

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Setting up an insurance company is not for the faint hearted. Just think of all the compliance, risk management, pricing issues and that is before we get to the joy of Solvency II.

snobunni, has the right idea when (s)he talks about getting an affinity scheme up and running. The only issue is you need volume and longevity (of the customer) in order to make the setup costs worthwhile so that probably rules out most small groups. Add in distinct needs that a large risk pool tends to obscure means a dedicated customised ski policy might be sufficiently expensive that it just isn't worth buying it instead of a decent off the shelf policy.

Anyone on this site probably has annual cover. I know we do (for the family worldwide inc off-piste - but I did work for a insurer and the book was run at a combined ratio of 98% and has almost no distribution costs).

Now looking for work in the same industry so if anyone needs a programme manager for NPD/Customer facing systems/process work then let me now!

snowHeads are a friendly bunch.

snow reports

AndrewBailey, pm me, i know our e-commerce division are expanding so there might be some vacancies that suit you.

As for our affinity work, we can cater for small groups, we pool all oue sports affinities together in terms of providers (on a consortium basis) and tailor the product by endorsment specific for each niche . . .eg we developed an equipment product for bobsledders this year which as you can immagine is very very niche.

Monium, was that in France ?

You know it makes sense.

rob@rar, what sort of winter sports cover doesn't provide for piste rescue? What would be the point? Puzzled

If you're suggesting that an injured person with insurance other than that sold by the lift company will necessarily have to stump up for the cost of rescue themselves in the first instance, I should point out that in nearly 15 years of dealing with British ski holidaymakers I have never ever seen anyone forced to do so. Ski resorts have extensive experience of dealing with assistance companies and are perfectly happy to accept their guarantees.

On the other hand, queen bodecia, you should check the terms of your bank's insurance cover carefully. We are forever seeing French skiers who have forked out quite a lot of money for platinum/gold/whatever bank cards on the grounds that they offer wintersports cover, only to find that there are a zillion weaselly little clauses in the small print which render them effectively under-insured. We once sold insurance to everyone in the queue because a lady at the front had an extensive rant about how she had been fleeced for over 100€ for her upgraded bank card and had then paid nearly 1000€ for piste rescue because they wriggled out of covering the cost on the grounds that she hadn't informed them before she got into the helicopter. Shocked

And while we're at it, youspurs1, the insurance you buy at the ticket window does not cover medical expenses.

Furthermore, Monium, your rescuers do not care whether you are insured or not. They will rescue you anyway. If you aren't insured, you will get a big bill later.

The insurance offered with your pass and which you all like to call 'carré neige' is in fact supplied by various different insurance companies depending on the resort, and varies slightly (but not much) from one place to another. If you're considering it you should pick up a copy of the policy from the ticket office and look through it to see whether it offers anything more than your own winter travel insurance. If it doesn't, you are wasting your money. If you feel the need to duplicate your travel insurance, ask yourself why you are paying for a policy which you don't trust and feel to be inadequate.

Otherwise you'll just go on seeing the one name:

rob@rar, credit card then claim it back I guess. Although I do have the insurance number programmed into my phone so could call them then and there if necessary.

A snowHead

A snowHead

achilles, I had an offer from First Direct which offered cheap winter sports cover but on reading the small print, it wasn't worth it.

Well, the person's real but it's just a made up name, see?

I had thought of going into the insurance game, but my mother told me there was already more than enough shame upon the family

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achilles, mine is NatWest Gold and it only includes off-piste with a guide or instructor also. But I never ski off-piste as my income replacement insurance doesn't cover it.

Anyway, snowHeads is much more fun if you do.

You'll need to Register first of course.

Then you can post your own questions or snow reports...

The following was posted by Plectrum in the following thread:

http://www.snowheads.com/ski-forum/viewtopic.php?p=831244&highlight=carte+niege#831244

Carre Neige is 100% proper Winter Sports cover.

Their terms and conditions are below:

Carré Neige cover 2007/2008

Created and distributed by the two main committees of the Fédération Française de Ski,Carré Neige is the leading specialist in the mountain insurance domain.

For 2.70 Euros per day and per person, Carré Neige provides all the insurance and assistanceguarantees summarized below.

These guarantees are acquired for the validity term of the CarréNeige, in compliance with the mention on your ski lift pass.

They apply in homeland France andneighbouring countries, during the amateur pursuit of skiing, in any of its forms.

1. RESCUE AND TRANSPORT
1.1 Cost of rescue and search due to the intervention of professionals in order to rescue or search a wounded,
deceased, or lost insured person, in the mountains.
• In France: amount of the costs
• Outside France: € 15 000 maximum

1.2 First transport costs of the Insured, between the place of the accident and the nearest medical centre able
to provide emergency care and return to the accommodation in the resort where the holder was staying on
the day of the accident.
Costs corresponding to any other transport, notably in the case of a transfer between the ski resort and/or
a hospital to a better adapted medical centre more than 150 km away, come under the cover provided by
the assistance contract.

1.3 Paying third party:
in case of operations performed by professionals that have passed an agreement, the Insured shall have
no additional sum to pay, the reimbursements intervening as an addition to the services reimbursed by the
Social Security and/or complementary health insurance organizations.
In all other cases, the Insured must supply the original invoice of the expenses already incurred.

2. SKI PASSES REFUNDING
2.1 Refunding of the unused “mechanical ski lift passes” and “ski lessons”*
• In case of an accident to the Insured leading to an incapacity to go skiing (up to a maximum of € 300)
• In case of illness, i.e. any alteration to health that prevents the Insured from participating in skiing and
which leads to the skier's incapacity for the rest of his/her stay (up to a maximum of € 300).

This refund will only be due where the Insured has sent in the passes or documents concerned to
Diot Montagne by mail (the date of the postmark serving as proof), accompanied by a certificate from
the ski resort's doctor outlining the nature of the wound and/or affection that leads to the skier's state of
incapacity, and the duration of the latter (the insurance guarantee will come into force on the date the pass is
sent in, after applying an excess of 1 day)

• In case of the early return of the Insured person's family, with documentary proof, following the death
of an ascendant, a descendant, a brother, a sister, or following a fire, a natural disaster, or theft from the
Insured person's professional premises or home (up to a maximum of €300)
• In case of repatriation of the person who has had the accident, and only for the ski passes for the other
members of the family holders of a Carré Neige pass (spouse, partner, ascendants and descendants).
Any claims concerning this guarantee coverage (up to a maximum of € 450) will only be taken into account
where the ski passes, the object of the refund, have been mailed to Diot Montagne on the day of repatriation
at the latest (the date of the postmark serving as proof). This will be counted from the day of repatriation
to the fiscal domicile
• To one parent (and only one), holder of a Carré Neige card having to ensure the care of a child
that has had an accident and who is also holder of a Carré Neige card. This reimbursement (up to an amount of
€ 150 and after application of an excess of 1 day) will only be due where the Insured has sent the ski lift passes
concerned to Diot Montagne by mail (the date of the postmark serving as proof), accompanied by a certificate by
the ski resort's doctor pointing out that the child has been immobilised and/or has been forbidden to go skiing because
of the accident.
• In case of closure of the mechanical ski lifts because of bad weather, for a duration of more than 1 day,
covering more than 80% of the capacities (SNTF Standard) of the skiable area, with a maximum of 4 days and after
the application of an excess of 1 day (except ski lessons)
• In case of total shutdown of the inter-resortlinks because of bad weather: this refund shall be made to the extent
of the difference in price between the extended ski lift pass and that for the Valley which issued the ski lift pass,
after applying an excess of 1 day with a maximum of 4 days (except ski lessons).
This guarantee shall be acquired only if the price of the ski lift pass issued corresponds to a 100% opening of the
skiable area

* The guarantee applies exclusively to passes that are valid for more than 3 days. The indemnity will be calculated on a
“pro rata” basis for the unused days, counting from the first day after the event and following the application of
appropriate excess periods. The indemnity will be paid only after presentation of originals of the lift passes and/or
ski school passes (or proof of purchase), accompanied by documentary proof of the events leading to the total,
or partial, non use of said passes.

2.2 Refunding of the “mechanical ski lift passes” in case of loss or theft:
the Insurer shall pay an indemnity to the Insured at pro-rata for the days that were not used, on condition that
the following proof has been provided:
• Receipt for the loss or theft issued by the authorities and/or declaration under oath of the loss by the holder
• Proof of payment of the ski lift pass bearing the name of the Insured and with insurance
• Original of the second ski-lift pass purchased

The indemnity paid will be equal to the purchase price of a new ski lift pass, after deduction of an excess of one day.
This guarantee concerns ski lift passes of more than 3 days, it being understood that any day begun cannot be
considered as being entitled to compensation.
If the ski lift pass is found, no indemnity shall be due by the Insurer, and the ski lift operator shall refund the Insured
with the cost of the replacement ski lift pass.

3. OTHER GUARANTEES
3.1 Reimbursement for medical, pharmaceutical and hospital costs in case of accident:
the indemnity (up to a maximum amount of € 3,000, less a deduction of an excess of € 46) shall intervene as
an addition to the services reimbursed by the Social Security authorities and/or any other medical care organisation.

Exclusions: personal and exceptional costs, prostheses costs, spectacles, health spa treatment costs, hospital
standing charges, private room charges, excess specialist fees and various expenses (telephone, TV, etc).

3.2 Defence – Recourse following an accident :
the Insurer shall guarantee cover (up to an amount of € 7,650) for services aimed at an amicable or legal settlement of
a dispute between the Insured and a third party, and causing the Insured to oppose any claim or defend him/herself
in a criminal court, it being understood that the guarantee shall not cover the payment of damages or compensation
of any kind:
• Defence : of the Insured in the event of legal proceedings initiated against the Insured following an accident
covered by the guarantee.
• Recourse : against the third party responsible for the accident under guarantee, by claiming damages in reparation
for the prejudice undergone by the Insured.
These services shall be implemented by the EPJ - 7, boulevard Haussmann - 75442 Paris cedex 09

3.3 Money-off coupon for € 75 in case of a return to the same ski resort the following year:
to be applied to “ski-lift passes”, if the accident declared to Diot Montagne has necessitated hospitalisation for more
than three days
.
3.4 Ski breakage :
refunding of the costs of ski hire for a replacement pair of the equivalent skis, and this in the event the Insured breaks
his/her own personal skis, and for a maximum period of 8 days.
Extract from the Insurance policies n°AG 056864 (Comité de Ski de Savoie)/AG 368570 (Comité Ski Mont-Blanc)
issued by EUROP ASSISTANCE, valid from 1/11/2007 to 31/10/2008

4. ASSISTANCE
For the cover to apply, the holder benefiting from it must request assistance directly by telephone 33 (0)1 41 85 85 96

4.1 Transport/repatriation :
if after hospital care, the Carré Neige holder is not in a state to travel under normal conditions, his/her transport/repatriation
shall be performed under medical supervision if necessary by the most appropriate means chosen and decided upon by
Mondial Assistance France.

4.2 Return of the children under 15 years of age, who were accompanying the holder, if no one is able to take care of them
after the implementation of a service defined in paragraphs 4.1 or 4.3.

4.3 Transport of the body in case of death of the holder of the Carré Neige to the place of burial, excluding any funeral costs.

4.4 Replacement driver to take the holder of the Carré Neige's vehicle home, if none of the passengers are able to drive,
following the implementation of a service defined in paragraphs 4.1 or 4.3.

Carré Neige holders resident in the following countries are entitled to assistance :
Andorra - Austria - Balearic Islands - Belgium - Bulgaria - Canary - Islands - Denmark - Finland - Germany - Gibraltar -
Greece and Islands - Hungary - Inland - Spain - Iceland - Ireland - Italy and Islands - Liechtenstein - Luxembourg - Madeira -
Malta - Metropolitan France - Norway - Netherlands - Portugal - Principality of Monaco - San Marino Republic - Slovak Republic -
Czech Republic - Romania - United Kingdom - Russia (European part) - Sweden - Switzerland - Turkey (European part).

5. EXCLUSIONS
Exclusions common to the insurance and assistance :
the guarantees shall not be considered as having been acquired in the following cases :

• Illnesses or any accidents during the month preceding the purchase of a “mechanical ski lift pass”,
leading to medical care, and which the Insured is aware of
• Pregnancy and complications due to this state, childbirth and follow-up (motherhood), and abortion.
For assistance the exclusion is limited as follows: incidents related to a pregnancy in which the risk was known before leaving
and their consequences - birth included - and in all cases incidents due to pregnancy from the 36th week and
their consequences – birth included
• Health spa therapy, necessity for aesthetic treatment not connected with the event under guarantee, psychic treatment
or psychotherapy including a nervous breakdown
• Hospitalisation following a suicide attempt or any lesion caused intentionally by the Insured
• Illness or accidents due to alcoholism, drunkenness, use of medicines, drugs or narcotics no prescribed by a doctor
• Periodic medical check-ups, examination or observation
• Accidents that result from a voluntary act by the beneficiary of the Carre Neige or the consequences of fraud
• Accidents caused by the participation in motorised sports (both on land and in the air), hang-gliding, paragliding,
bobsleigh, skeleton and ice hockey
• Accidents which occurred during professional sport competitions
(tests and competitions within the ski schools – flocon, star tests, fleche etc. will not be included in these exclusions and
are therefore guaranteed)
• Expenses relevant to the guarantee “Assistance” undertaken without consent from the insurer
• Consequences resulting from a risk of infection, in the context of an epidemic, due to exposition of biological or
chemical agents eg. Military gases, incapacitating gas, nerve gas and residual intoxication which lead to quarantine or
specific prevention or surveillance measures administered by international or local sanitation authorities in the country in which
the “insured” is staying and/or person in their own country

To consult the guarantees available www.carreneige.com or Tel. 33 (0)4 79 07 36 11
EUROP ASSISTANCE - SA. with a capital of 23 601 857 EUR.Company controlled by the Code des Assurances - 451 386 405 RCS Nanterre.
Head office: 1 Promenade de la Bonnette - 92230 GENNEVILLIERS - Tel 0033 (0)1 41 85 85 85 - Fax 0033 (0)1 41 65 83 08.

What to do in the event of an accident
INSURANCE
Your reimbursements will be ensured by the DIOT Montagne Assurance Agency.
ASSISTANCE
To arrange your repatriation, call 33 (0)1 41 85 85 96

In case of accident, send your insurance claim within the eight days following the accident duly completed
and signed to :

DIOT MONTAGNE ASSURANCE
CARRÉ NEIGE - B.P. 19 - 73701 BOURG-SAINT-MAURICE CEDEX - FRANCE

Attention :
the deadline for sending in the claim is shorter for reimbursement of the ski-lift passes (please refer to paragraph 2.1 of the guarantees).
Do not forget to attach the following to the claim :
• THE ORIGINAL OF THE LIFT PASS AND/OR PROOF OF PURCHASE.
• THE MEDICAL CERTIFICATE detailing the nature of the injuries and stating whether or not the injured person is in a fit state to ski

Warning :
• Following the postage of your claim, please wait until you receive your file reference number before sending any other mail.
For any other request for information concerning your file being processed, please call the Carré Neige approved management centre
on 33 (0)4 79 07 36 11 or 33 (0)4 79 07 36 12 - Fax: 33 (0)4 79 07 40 75 - neige@diot.frThis e-mail address is being protected from spam bots, you need JavaScript enabled to view it
• Do not attach the claim forms for the reimbursement of medical expenses: they must be sent directly to your
compulsory state scheme

Prices
• Daily price per person € 2,70
• Contractual price, 10 to 21 days € 27
• The Carte Neige still exists in a yearly version, individual or for the family (downhill or cross-courntry skiing).
It is for sale at your sports club or ski school

The Carré Neige supports Savoyard skiers and assists in the training of their champions.
Information :
Comité de Ski de Savoie (85 clubs) :
www.skisavoie.asso.fr or Tel. 33 (0)4 79 31 10 80

• Activities available
• Addresses, e-mails and useful telephone numbers
• Other information
Comité Ski Mont-Blanc (125 clubs) :
www.comiteskimb.com or Tel. 33 (0)4 50 23 30 88

Lizzard, I refer you to section 3:1 OK it's not a huge amount of cover, but it is medical expenses cover - and it's cover that you're paying for twice if you have carre niege and wintersports insurance purchased in the U.K.

That's my point. Sure, any money that you might have to pay out in order to be moved from the mountain to a hospital, and anything that you pay for medical expenses will be reimbursed by your insurance provider, but we are advised to buy the carre niege because this guarantees that the mountain rescue company/ambulance company/health clinic etc will get their money back from the French insurer, and this guarantees treatment with no delays.
If all of this has been paid for by the carre niege, there is no need to claim from your british insurer (and you wouldn't have any receipts, they'd have gone to carre niege)
but you are still paying the british insurer for the cover!
I'll be buying the carre niege because I've read horror stories on this forum about skiers having to pay cash before treatment/transportation - credit cards not accepted.
It's not a large sum - £60ish for peace of mind for the four of us - I just thought that some british insurer might think it worthwhile to take the possible additional purchase of carre niege into account when pricing the policy.

After all it is free

Insurance policies can often apply discounts to premium ratings for favorable features, eg young drivers who have passed their pass plus test receive a discount, travel insurance if often cheaper if you confirm you have personal possessions cover on your household policy therefore dont require the baggage cover.

I dont know how Carre Neige works, can you buy it before you get to resort? Can you buy it annually if you take several trips. It would be dificult to discount an annual travle policy if carre neige is taken out trip by trip.

In theory it would be possible to develop a scheme that took carre neige into account if thats what snowheads want, we work with several National Governing Bodies of Snowsports already developing products for competitors and amateurs alike.

snobunni, You can buy an annual policy - not sure of the cost. Trip by trip, I think you have to buy it at the same time as the lift pass.

*Ski* the Net with snowHeads

youspurs1, who's advising British holiday skiers to buy insurance with their lift passes? We certainly don't, and we're selling the stuff.

snobunni, the insurance you get with the lift pass is only valid for the duration of the pass.

snowHeads are a friendly bunch.

snow reports

ChrisWo, I think the point might be that they recognise (in the literal sense) the Carre Neige, and understand what it covers, but not necessarily a random insurance certificate written in a foreign language.

laundryman, I take the point, but it still seems a weird way of operating...I don't carry insurance certificates on me anyway (just a phone number), so I'm not sure how I'd go about proving I'm insured. I kind of think I shouldn't have to though - either I'm insured and the company pays the rescuers, or I'm not and I somehow have to pay them...they shouldn't really care either way (yes, I know that they're trying to protect themselves in the case where I *can't* pay them, but I think those cases are rare).

Incidentally, how do you prove you have Carre Neige cover...do you get a card or something?

You know it makes sense.

I take the view that the Carre Neige (or Carte Neige which is the annual version) gives you piece of mind that if something nasty happens, you are off the mountain and being treated by what ever means the experts think fit. A few quid a day for that type of reassurance for what is frankly a potentially dangerous sport is money well spent. I also have good travel insurance.

So in summary, I see Carre/Carte Neige gets you off the mountain and immediate treatment without any fuss or concern. Travel insurance flys you home and deals with lost baggage/cancellations etc.

I'm sure my simple interpretation means I double pay in some areas, but it's worth it to take the worry factor away.

PS - dont set up your own travel insurance company - Basel II, FSA is only the start of it . . . . . . . . you might need to interact with actuaries (which is a challenge in itself)

Otherwise you'll just go on seeing the one name:

A snowHead

carre neige works out about 80e for a family of 4 for six days A years travel insurance including winter sport for
a family £100 to £120 Which is better value i ask and why we should be doubling up and if you have natwest
advantage gold you are probably treble
So why should we get this French card just because they cant be bothered with the paper work
deffinitely a FRENCH thing

A snowHead

Natwest Gold costs £13 per month, but it does include annual travel insurance, car breakdown cover, mobile phone insurance and a few other goodies. Seems worthwhile to me.

Well, the person's real but it's just a made up name, see?

You need to Login to know who's really who.

How about an insurance policy that has no restrictions on place of abode within the EU. Seems insurance completely escaped the goal of EU integration, freedom of movement, etc.

Anyway, snowHeads is much more fun if you do.

Currently, my annual travel policy with wintersports add-on (SAGA) covers me for everything except off-piste without a "qualified guide or instructor". That's fine until I spot a tempting bit off the side of a piste and come a cropper on it (which is always possible even though my few falls tend to be very low speed/ standing still ones Embarassed

). But before assuming that taking out Carre Neige is the answer to any unaccompanied off-piste misadventure - ie it pays for evacuation to hospital and my Saga insurance takes over - I will need to check in case Saga would refuse any such claim on the basis that the injuries were caused while off-piste even though I am not claiming for the evacuation. €3000 doesn't seem an adequate amount for medical cover and I assume that Carre Neige repatriation means within metropolitan France not air ambulance back to the UK.

Unaccompanied off-piste apart, I would never see any point in spending extra money on insuring myself twice. Whatever the stories are of pisteurs demanding cash, taking injured skiers to ATMs etc. you are going to be evacuated and taken to hospital. Has anyone ever been left groaning on the snow or dumped in a car park while the ambulance drives away without them?

From another angle, if rescue services have to resort (sorry rolling eyes

) to ploys to ensure they get paid, does that not say a lot about the snowsports chancers who have created that situation?

You'll need to Register first of course.

And when you are out cold they presumably leave you to die as you cant show them either your Carré Neige or your Insurance documents. Puzzled

One problem of being double or triple insured is that you can quite easily find yourself in the delightful position of the insurers refusing to accept liability as you have alternative cover.

Then you can post your own questions or snow reports...

After all it is free

Don't panic too much....your E!!! card number thing covers the vast majority of your medical bills.

It paid 99% of my medical costs when I broke my leg in Switzerland in April.

Also covered a decent % of the Heli rescue and Pisteurs.

Lift pass insurance paid the rest and all the holiday insurance covered was the car hire extension and rearranged flights.

The medical costs were the big number....even if we had no other insurance the rest was not too bad really.

In Switz' you can buy an Air Glaciers annual policy for about 30chf which will cover you for heli rescue anywhere, any reason (off piste, hiking, car accident...whatever).

Combine that with E111 and you have the vast majority of your finacial risk covered.

*Ski* the Net with snowHeads

there you have it i new the FRENCH were upto no good

Help!!

Should we set up an insurance company?

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