 Poster: A snowHead
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Hi,
My partner and I currently have annual cover with Direct Travel, which until this year's renewal has been good value. The renewal has come in with a significant increase 40% and limited ski cover 17 days total per year! Not enough  . Anyone have any suggestions for worldwide cover and more than 17 days ski coverage (including offpiste)?
We paid £90 last year and not made any claims, both early 40's.
Thanks
Neil
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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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Apologies if you get double post njl1968, as my answer seemed to disappear. We insure through SCGB and I think it covers us for 60 days at a time which works out ok as we return to UK for February usually. Only do European cover as if we ski in the States we use our cover through the bank.
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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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Post Office
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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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Have Direct Travel changed their terms? I've been with them for a few years, it used to be (I think) unlimited number of total skiing days but any individual trip couldn't exceed 17 days. If it has changed I'll be looking elsewhere when mine is up for renewal in December.
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You'll need to Register first of course.
You'll need to Register first of course.
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Colin B, Yes they have unfortunately. I went with them this year for my Snowheads trips and will still be covered for the PSB.
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Pretty sure mine is OK, their T&C's were so unclear I rang them every year just to be sure. I'll be looking elsewhere in December though.
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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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I'm OK for now then, got mine last December, will still cover me for a day on the glacier at L2A in the summer and probably the PSB too although I'll have to check exactly when it runs out.
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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This has upset the Apple Cart for me, as I have this Policy and used the unlimited 17 days per trip cover. I'm starting to look for a replacement Insurer ready for renewal time. Quite a few of those I've seen so far are very ambiguous with their wording regards 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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Thanks for all your replies my partner has spent most of the weekend looking , very few cover over 17 days per year, ski club does but its overall cover seems poor. We need to get it sorted fast as we need to book our summer hols  .
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You know it makes sense.
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Just got a quote from the post office 21 days skiing for a couple £164, and then a quote for a single trip 2weeks skiing in USA £122 for one person  . not going to be an easy one this year!
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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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kevindonkleywood,
Where can I get a quote for snowheads insurance , had a look around in the forum can't find it? any chance of a link?
Cheers
Neil
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Poster: A snowHead
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njl1968, it's currently only available to snowheads who have donated / subscribed
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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| nbt wrote: |
| njl1968, it's currently only available to snowheads who have donated / subscribed |
Well, sort of, I guess that's technically the case... 
I'd tend to put it as: "it's not 'fully available' to the public yet" although the super/mega-snowHeads do have 'advance sight' of the offer.
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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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try the austrian alpine club uk unlimited time lift off cover all over the world.
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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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I'm pretty sure that Dog Tag gives extended cover optionws..
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You'll need to Register first of course.
You'll need to Register first of course.
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does snowHeads itself really provide insurance ?
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rayscoops, it's via a third party specialist of course, but yes, Admin has been woking on it for quite some time and as above, details are available to super/mega-snowheads
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nbt, I understand thanks
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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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| nbt wrote: |
| rayscoops, it's via a third party specialist of course, but yes, Admin has been woking on it for quite some time and as above, details are available to super/mega-snowheads |
Couple of questions, as it would appear I'm soon to be an ex-Direct travel customer.
Is it up and running? When will it be in place? Tailored seems to speak for itself, but I take it it's a worldwide policy? A rough idea on cost for say a months/six weeks cover (including off trail/piste, most important)?
Sounds like the most determined effort to get a subscription off of me yet. Damn.
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BCjohnny, I know only as much as the other super/mega-snowheads. Advance details available to those who have subscribed  - the details include prices
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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nbt, granted, but a taster to snare the reluctant might be worth a few lines of prose.
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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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BCjohnny, Like any other insurance the price depends on who it's for, where it's for, what you're going to be doing etc
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You know it makes sense.
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My Direct Travel annual renewal notice has also arrived and the cover is no longer suitable for reasons given in previous posts. More seriously, though, they no longer cover search and rescue. Much shopping around, including talking to claims people about what policy wording actually means, has left me in doubt that rescue costs are covered in most "winter sports" policies. One insurer, whose policy made no mention of rescue, said that they would cover rescue costs but only if I was injured (rather than stranded because of lost or broken ski, for example). It seems prudent to buy only policies that specifically cover rescue, or buy rescue insurance (eg Carte Neige) from the lift company. I now have a shortlist of two (SCGB and Snowcard). I need off-piste cover for couple >65.
Any advice or recommendations welcome!
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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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Jehu, have a look at BMC insurance. Not cheap - and you have to join the BMC. Comprehensive, though.
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Poster: A snowHead
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Achilles - Thanks - I thought you were with Snowcard. BMC age limit for couples is unfortunately 65.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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Damn! Just seen this. I'm also currently (but clearly not for next year) covered by Direct Travel. This used to be a good annual policy. I wonder how many customers they'll lose by this. Obviously not enough to dent their business model.
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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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Does anyone know what the insurance you can buy with a lift pass actually covers?
I am thinking of for example in Tignes the lift passes will be sold avec, ou sans insurance? Typically it will be 3-5 Euros more to have insurance. So for 10 days that is 50 Euros!
I did ask at the time, and was given a long list of things it covered. It is not regulated by the FSA though, so if you have any disputes over coverage you would have to take it to the European regulator (or the local country regulator).
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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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Bigtipper, do you mean a Carte Neige? If so it's primarily to cover costs of getting you off the mountain following an accident, which you would be liable for in France, as well as limited medical insurance and lift pass replacement.
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You'll need to Register first of course.
You'll need to Register first of course.
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nozawaonsen, it never had a name. You are just asked whether you want your lift pass "avec insurance ou sans insurance".
You mean it does not cover you for loss of belongings, or piste closure?
I presume it does not integrate well with the E111 coverage, being French.
I did buy an annual version of Carte Neige, in the office next to the lift pass office in Tignes. They had coverage descriptions in english, although the small print said that the French version was the legal version. They did not say they were not authorised by the FSA!
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Bigtipper, my mistake I meant Carre Neige http://www.carreneige.com/
The EHIC (which has replaced the E111) is European Health Insurance, but is not the same as a travel insurance policy. It's a good thing to have (as it makes some treatments a lot easier than trying to claim through an insurance policy), but it won't cover you for the same things as an insurance policy would.
Carre Neige is much more specific.
It's all a bit of a mish mashed tapestry as far as I can see. But neither an EHIC nor a Carre Neige would cover you for repatriation in the case of a serious accident.
I would not expect any financial products marketed outside of the UK to be regulated by the FSA.
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| nozawaonsen wrote: |
Bigtipper, my mistake I meant Carre Neige http://www.carreneige.com/
The EHIC (which has replaced the E111) is European Health Insurance, but is not the same as a travel insurance policy. It's a good thing to have (as it makes some treatments a lot easier than trying to claim through an insurance policy), but it won't cover you for the same things as an insurance policy would.
Carre Neige is much more specific.
It's all a bit of a mish mashed tapestry as far as I can see. But neither an EHIC nor a Carre Neige would cover you for repatriation in the case of a serious accident.
I would not expect any financial products marketed outside of the UK to be regulated by the FSA. |
Under 4.1 it says that "in the event of the repatiation of the injured Carre Neige policyholder, and only for the ski passes of the other members of the family holding a Carre Neige (spouse, common law spouse, ascendants and descendants)..."
Under 3.1 ..."Provision of a replacement driver to bring the carre Neige holders vehicle home. If no else can do so following the implementation of a service by Europ Assistance"
Seems like repatriation to me, if you are in the back of the van when a replacement driver is driving you home!
The problem I see with the coverage, is the double insurance hazard with EHIC or E111. In other words you claim twice for only one treatment. I do not know if this is possible, or if the problem will lie mainly with overseas medical facilities charging the insurance directly when they are already being paid under EHIC.
Also, there is a potential problem for confusion over whether a third party payment agreement has been made or not.
What happens if your credit card is cancelled, lost, or stolen when you are injured? How do you pay and then reclaim the costs?
It does seem that there are some flaws, but I suspect there would be some credit given by the search and rescue and medical facilities which would ensure that you were treated before paying! How you pay afterwards, will be a problem if you have lost your credit card or it had been cancelled by your provider!
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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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The following from Which is relevant for EHIC (E111 was superseded by EHIC in 2006 and E111s are no longer valid)
"European Health Insurance Card (EHIC)
Benefits of the EHIC
There are several advantages to having a EHIC in an addition to travel insurance.
-You’ll either pay nothing for medical assistance, or at least reduce the level of upfront costs that you have to claim back later.
-Even if you do have to pay upfront, showing the card can minimise red tape and can help save time and hassle when trying to claim money back.
-Some insurance policies state they won’t pay out for expenses that would have been free with an EHIC. In addition, many insurers will waive the excess (usually £50-£100) on claims for medical treatment if you have used your EHIC.
-It’s worth noting that the EHIC covers necessary treatment for a pre-existing or chronic medical condition such as asthma or diabetes – something that an insurance policy may exclude.
Why travel insurance is necessary
Don’t just rely on the EHIC. Ensure you have comprehensive travel insurance as well.
-The EHIC is usually only accepted at state-funded hospitals. If you need assistance urgently and can only get to a private clinic, the EHIC will be of no use. It doesn’t cover mountain rescue either.
-The EHIC doesn’t always entitle you to get all state-provided medical treatment free of charge. Where state-funded treatment is not entirely free, insurers will usually pay outstanding costs.
-The EHIC won’t cover extra accommodation costs and pricey repatriation – the average cost of this in Europe is between £15,000 and £25,000. Insurance will cover these, along with other essentials like cancellation cover."
As you say it does sound like Carre Neige does indeed cover repatriation, but it is still limited in the medical insurance it provides and does not cover some things like loss, damage, theft of luggage or equipment which travel insurance might.
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Bigtipper, nozawaonsen, do a search guys, we've had this lots and Lizzard who sells lift passes and carte/carre neige has given lots of advice on what it covers
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FAQ
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