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Direct Travel insurance

 Poster: A snowHead
Poster: A snowHead
Spoke to direct travel insurance this pm over a query and then just to dot the i and t asked if one of my family members was covered for a sking trip on their own The reply was yes but please note the cover now is for a total of 17day sking during the policy term and no longer for as many ski holidays as you wish but with a duration no longer than 17 days! Was anyone else aware of this change?[/u]
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
Yep hence many many snowheads have stopped insuring with them.
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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?
fatbob, so who do you insure with now?
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brock, there are loads of threads on here, if you search, try this one for starters:
http://snowheads.com/ski-forum/viewtopic.php?t=83930&sid=5da415270ef21f4627bc2ea4152f936f
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 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
I've just checked out our renewal, as we are not going to be back in France in April this year to ski, my cheapest option might still be to renew with Direct Travel, if I remove cancellation and personal belongings cover. Our other policy with our bank will cover us for any summer holidays we take, and for cancellation of any ski holidays, as it is actually only the off-piste without a guide that we don't have. I can start looking again before next winter.
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Hells Bells, I'm paying as I go with Snowcard and like you removing elements. it was cheaper than Direct and still covers off piste as previously discussed. My bank also covers non-ski holidays
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 Then you can post your own questions or snow reports...
Then you can post your own questions or snow reports...
Our policy with Direct Travel ends tomorrow. We are not renewing as 17 days per year is not enough. We are doing an annual policy with Tokio Marine which will be about twice what we paid DT but will cover unlimited trips including skiing up 45 days per trip (not per year yes per trip!). That will be more than enough. Has to be arranged through a broker. Its the only policy I could find for the amount of skiing we want as we are both OAPs.
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 After all it is free Go on u know u want to!
After all it is free Go on u know u want to!
I called DT yesterday as our policy expires in the middle of our trip. They extended the cover for the remaining 8 days with a single trip policy for £35 for both of us. I did mention why we weren't renewing the annual policy, and she did say that several others had said the same thing.
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You'll get to see more forums and be part of the best ski club on the net.
Hells Bells, Including us! Still waiting for payout for December injury too, which has concentrated the mind! Going with Snowcard now, I think.
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 Ski the Net with snowHeads
Ski the Net with snowHeads
I wish this could be an issue for me - I've never skied more than 9 days in a year, and never expect to unless I win the lottery Sad
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snowHeads are a friendly bunch.
Just a note for anyone with kids who race - non FIS racing was covered on our DT insurance last year but when I came to renew in Jan any type of racing was excluded. Had to switch to SSE insurance which is actually nowhere near as good as many other travel insurance companies cover but was the only realistic one that covered racing.
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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.
Spoke to DT last week re 17days and got them to clarify the 17 day rule and they told me It is actually 17days sking and not the no of days you are away.
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 So if you're just off somewhere snowy come back and post a snow report of your own and we'll all love you very much
So if you're just off somewhere snowy come back and post a snow report of your own and we'll all love you very much
brock, indeed but its still not enough for many of us
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 You know it makes sense.
You know it makes sense.
Yeah! Just had an email to say they are finally settling my claim - almost 3 omnths after the event, but better late than never, 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:
genepi,3 Months!! Flippin heck, I hope they paid interest as well Toofy Grin
Did you contact DogTag about increasing the number of days?
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 Poster: A snowHead
Poster: A snowHead
Boredsurfing, Interest - pah! You must be joking! No, I didn't get your message till after he'd sorted Snowcard. Dogtag were a lot more expensve for what he needed to include. Touring hiked the premium significantly.
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
mogulski, ...I insured with Direct Travel for years (they had around 2000gbp off me in total) - I had one claim in that time (seriously delayed flight - 2 days - around 300 gbp for family of four) and this year began to renew by phone - woman said 'policy has changed' so I said 'what's your equivalent' she said 'this....' so I renewed on-line in December. I need around 40 days for each in the family and unguided offpiste. I was startled by the above 17 days limitation mentioned in this thread. I phoned, prevarication started and I said I had been mis-sold - and not a trivial matter - we had all skied without insurance at half-term unawares, since our 17 days were up. They listened to the tape, and the story changed - although I had to insist, I got 82gbp of 124gbp back. I could have argued for more, I think, but couldn't be ar***d. I got a replacement policy from Fogg - forty-two days total pa for 135gbp, which was good. I would recommend them. But I do not think Direct was the company it once was.
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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?
mogulski, As another Direct Travel refugee, I nearly shouted "Eureka" when I read your post about the Tokio Marine policy. I'm about to follow your example (through JLT Insurance brokerage) but thought I'd just check with you that you haven't discovered any snags in the small print of this policy. I've just been quoted £170 for the two of us, which, when compared with the other suggestions I've seen on this forum (Snowcard, etc.) seems almost too good to be true for an unlimited number of days skiing per year (my wife and I anticipate at least 10 weeks' skiing next season but feel we can cope with the 45 day limit for each trip). It sounds as if we may be in a similar position to you. Although we ski only in Europe and have the EHIC cards and are members of the Austrian Alpine Club, I've been feeling uncomfortable about the possible limitations in cover in the AAC policy (e.g. private medical bills, cancellation and curtailment); however this policy seems to be a way of securing comprehensive cover at a reasonable cost. I'd be interested in any further thoughts you may have had about it.
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Now that the subject's been brought up, it's worth asking and I guess sticking to this thread. Next season I'm going to need about 140 days insurance covering offpiste without a guide, DogTag are site sponsors and they look great. Is there any insurance which specialises in people who require it for long periods like entire seasons rather than just a few weeks a year?
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 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
DannyB01, although Direct Travel are no longer suitable for an annual policy, it might be worth looking into the cost of a single trip if all of your 140 days are going to be done at once.
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DannyB01, have a look on Natives I got my season insurance via a company on there.....
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 Then you can post your own questions or snow reports...
Then you can post your own questions or snow reports...
Lets say you are taking four 7 day trips making 28 days in total.
What is to stop you continuing with the Direct travel policy but keeping quiet about your days skied? How could they know if you have been skiing or not unless you tell them?
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 After all it is free Go on u know u want to!
After all it is free Go on u know u want to!
Corduroy, Not a good example, since there is a choice of insurers who would insure you for 28 days max in a year, possibly at a lower premium than Direct Travel - hardly worth risking a refused claim and/or a conviction under the Fraud Act (whatever the premium may in fact be!) Also these days Big Brother knows exactly how many days you've been skiing and how far and how many vertical meters each day...and, if you injure yourself badly enough, it would no doubt be worth their while to ask a few questions.

As valais2, has commented, Direct Travel is no longer the insurer it once was. In imposing the 17 days skiing maximum they made a business/policy decision, which must have alienated thousands of their skiing customers, but no doubt for what they perceived to be sound commercial reasons. I couldn't help but feel dismayed and aggrieved after insuring with them for decades and never having made a claim, and I told them so. Before anyone says so, I concede that this was no doubt completely illogical on my part; they're not in business to keep those of us, who have the time and inclination to take multiple skiing trips in a year, happy and insured at a low cost. However I didn't like the way they did it, and it's a little disturbing when one hears tales of mis-selling and people skiing in ignorance of the new maximum limit. Speaking personally, I've lost my confidence in them and probably wouldn't insure with them, even if the 17 day max was adequate for my purposes.
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You'll get to see more forums and be part of the best ski club on the net.
Hells Bells, redrunmarcus, thanks, I'll look into those options. Smile Still, from the sounds of it Direct Travel has become a sly, back-handed company and I don't think I'm going to consider them seriously even if they do offer a good price.
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Ski the Net with snowHeads
Corduroy wrote:
Lets say you are taking four 7 day trips making 28 days in total.
What is to stop you continuing with the Direct travel policy but keeping quiet about your days skied?

Your integrity?
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 snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
I was just about to buy my usual single trip policy from DT and they have changed their pricing structure so that now age is taken into account.

Last years cover for a week was £20 and now its over £40 for a 41 year old.

So now I'm older and poorer.
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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.
Quote:

So now I'm older and poorer

Sad But I expect you still hope they make a nice fat £40 profit out of you. wink
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 So if you're just off somewhere snowy come back and post a snow report of your own and we'll all love you very much
So if you're just off somewhere snowy come back and post a snow report of your own and we'll all love you very much
pam w, I was struggling to see a silver lining but you found one Smile
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 You know it makes sense.
You know it makes sense.
I might use http://www.holidaysafe.co.uk/

A little cheaper with specified unguided off piste in one of the additions

Anyone have experience of them?
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 Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
tiffin, no, but have you tried snowcard?
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 Poster: A snowHead
Poster: A snowHead
How would DT know if you have skied for more than 17 days? Provided that your single trip is less than 17 days I doubt they would be any the wiser. If I take 3 x 1 week trips, my paperwork would only show that period for my holiday. How would they know? Unless they have a Batphone direct to MI5...
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 Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
Gainz, See www.skiline.cc which seems to operate in all Alpine countries except France.
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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?
Tatman's Tours, Yes, we used it while in Saalbach, but never registered with a real name. Still don't see how they would know.

BTW had a brilliant time in Saalbach, thanks for your tips Laughing
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Gainz, You're very welcome; glad you had such a good time. Let me know if you'll be back next season.
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 Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
I had a ridiculous price quoted for our next holiday by Direct Travel, in fact is was about 10 times tiffin,s premium. When this kind of change happens it often means that they have changed underwriters and after a bit of research found that they have changed from AXA to AIG. I have had a reasonable quote from Staysure has anybody used them?
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