 Poster: A snowHead
|
I know this thread will have been done a 1000 times, however I would appreciate peoples latest recommendations. My lot ' Direct Travel' as recommended and advertise in the 'where to ski guide' has increased its premium from £71 to £239 in one year, with 1 person less on the policy!
I need Europe only, and off piste without a guide cover, - but obviously within agreed 'safe' itineried areas.
Any views would be welcome
|
|
|
|
|
|
Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
|
|
|
|
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?
|
|
Snowcard +1
|
|
|
|
|
|
You need to Login to know who's really who.
You need to Login to know who's really who.
|
|
Thanks Holidayloverxx and altis.
|
|
|
|
|
|
Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
|
|
DogTag, and if you do have to claim really fast service and return of your expenditure. D iscount if you book through the link on snowHeads
|
|
|
|
|
|
You'll need to Register first of course.
You'll need to Register first of course.
|
|
Just for anyone with Direct Travel, do not renew but take out a new policy. With a little less cover for belongings,(I really only want insurance for medical support and repatriation),moving from premier to budget, and medical cover of only £5M! I have got annual multi trip with off piste without a guide, for £70 again. Huge difference.
|
|
|
|
|
|
|
|
twoodwar, what kind of questions did they ask when you told them about off piste without a guide - and any word on what it meant to say an area was "considered unsafe" by local authorities?
| Quote: |
Cover for these winter sports may require you to pay an additional premium over and above the normal winter
sports premium. In some cases, your excess under section B1 (Medical and other expenses outside of the
United Kingdom) will be increased to £250, and there will be no cover provided under section G (Personal
accident) and section H (Personal liability) whilst taking part in the activity.
If you intend to participate in any of the activities listed above, please ensure that you check with Direct Travel
Insurance Customer Services by phoning 0845 605 2500 or by e-mailing info@direct-travel.co.uk before taking
part. |
IIRC there was a SHs thread in the last year about authorities trying to pursue individuals who had been reckless and caused avalanches - if that happened, would be a bit of a booger if your insurance company declined personal liability.
|
|
|
|
|
|
|
|
pam w, I came aross that the other night and meant to post it - most worrying for those who have DT - like I did all last year 
|
|
|
|
|
|
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.
|
My offpiste is at the side of pistes, and crossing between them when there is plenty of powder. Nothing that in the slightest, that would I hope, could cause an avalanche. As best as I can determine and its in big letters on the site, I can do this, break a leg and still be covered. If you are far more serious about offpiste I'm sure you need to read a bit more closely. The wording as below
What winter sports activities do you cover?
Click here for a Ski Insurance quotation.
Bigfoot skiing, cat skiing or boarding, cross country skiing, curling, glacier skiing*, glacier walking (up to 4,000 metres), heli-skiing*, ice climbing*, ice curling, ice diving, ice hockey*, ice skating, kite skiing*, kite snowboarding*, langlauf, mono skiing, off piste skiing or snowboarding (except in areas considered to be unsafe by local resort management), skiing, ski/snow biking, ski/snow blading, ski randonee*, ski touring, ski-dooing*, sledging/sleighing, snowboarding, snow mobiling*, speed skating and tobogganing.
but excluding:
ski acrobatics, ski flying, skiing against local authority warning or advice, ski-stunting, ski jumping, ski mountaineering, or the use of bob sleighs, luges, bungees or skeletons;
Enough for me. Also I have had to claim off Direct Travel 8000 Euros for my daughters CL injury, a couple of years ago and was successful.- took a bit of effort but they paid in the end. 
|
|
|
|
|
|
|
|
|
We have just had an invitation from Direct Travel to renew our annual policy. We have been with them for well over 10 years and have found the cover great - a couple of claims but dealt with very quickly and efficiently. However from this site I knew that cover was going down from unlimited numbers of days skiing as long as it was up to I think 15 per trip to a total of 17 per year. That's no use for us as we do more in retirement. I found that Fogg would cover up to 42 days a year which would have been good except they only cover up to age 64. We will be renewing with Tokio Marine which is only available from brokers but gives unlimited number of days skiing up to 45 per trip. That's more than we need but thought other OAPs who ski many times might find this useful.
|
|
|
|
|
|
snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
|
|
We went Virgin Travel this year. Kids for free. £61.01 for 2 adults and 3 kids for a year, Europe wide and included winter holidays. Not bad.
|
|
|
|
|
|
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.
|
|
I have used Go Travel and have had to claim in the past for a missed flight- I would recommend them.
|
|
|
|
|
|
|
|
|
BMC - never made a claim though so couldn't comment on that
|
|
|
|
|
|
You know it makes sense.
|
|
mogulski, that's useful to know. Do Tokio Marine cover off piste without a guide? Did you come across any other companies that insure pensioners? Snowcard seem like the front runners at the moment (I think that's who pam w ended up with?)
|
|
|
|
|
|
Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
|
|
We've just taken out a new policy with MPI Brokers which is one of a handful listed on a review of off piste cover by Henrys Avalanche Talk. They have an excellent off piste statement and offer very good value cover, no idea how they'll pan out if we need to make a claim but we were very pleased to find an insurance company that recognises the difficulties of off piste definitions! Our renewal quote from Dogtag had gone up too much this year to stay with them.
|
|
|
|
|
|
Poster: A snowHead
|
|
I've also signed up with MPI for an annual policy. As well as the off piste cover they also allow unlimited numbers of ski trips providing that each trip is 17 days or less. This is what I'd been searching for since Direct Travel changed their T's & C's to only cover 17 days in total.
|
|
|
|
|
|
Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
|
+1 for Snowcard.
Excellent service from them recently, including a payout in full.
|
|
|
|
|
|
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?
|
| homphomp wrote: |
| We've just taken out a new policy with MPI Brokers which is one of a handful listed on a review of off piste cover by Henrys Avalanche Talk. They have an excellent off piste statement and offer very good value cover, no idea how they'll pan out if we need to make a claim but we were very pleased to find an insurance company that recognises the difficulties of off piste definitions! Our renewal quote from Dogtag had gone up too much this year to stay with them. |
I was covered by MPI (through the company I worked for) when I fractured a vertebra last year.
They dealt with it excellently, they got an assistance company involved straight away and everything was sorted really easily.
Definitely recommend.
|
|
|
|
|
|
You need to Login to know who's really who.
You need to Login to know who's really who.
|
|
homphomp, Wags, I think I'm just about to go ahead with MPI, was just wondering whether either of you got a quote from Snowcard as well? Their off-piste wording isn't super-clear (as discussed in detail on another thread) and I'm slightly inclined not to bother even getting a quote from them, particularly since I know that MPI will cover my pre-existing conditions for only an extra £50pa.
|
|
|
|
|
|
Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
|
Pedantica, I did have a look at Snowcard and was bamboozled by their back country/slack country/lift served free ride/etc/etc definitions. Also, I think that for me they were significantly more expensive than MPI, as I'd have to pay for one of their more expensive packages to get the number of weeks Winter sports cover that I need.
Google searching showed that for some years MPI have provide insurance for the staff of a few significant tour operators such as Skiworld and Total. So, even though MPI didn't have any track record on snowHeads, that gave me some confidence to give them a try.
|
|
|
|
|
|
You'll need to Register first of course.
You'll need to Register first of course.
|
|
Wags, thank you, that's very reassuring!
|
|
|
|
|
|
|
|
|
Are DogTag price increases in any way related to the number of 's with ACL issues?
|
|
|
|
|
|
|
|
|
Pedantica, Wags, Cathy and I emailed Snowcard about off-piste definitions - the answerwas very clear. The thread is somewhere in Apres IIRC....
|
|
|
|
|
|
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.
|
| Boredsurfing wrote: |
| DogTag, and if you do have to claim really fast service and return of your expenditure. D iscount if you book through the link on snowHeads |
I just tried that:
Total Cost of Coverage
Prices include insurance premium tax Base £155.60 Pro £192.68 Max £239.03
Total Cost of Coverage (Including Discount)
Prices include insurance premium tax Base £155.60 Pro £192.68 Max £239.03
Seems the discount isn't working, and fwiw, snowcard is cheaper with better terms.
|
|
|
|
|
|
|
|
| holidayloverxx wrote: |
| Pedantica, Wags, Cathy and I emailed Snowcard about off-piste definitions - the answerwas very clear. The thread is somewhere in Apres IIRC.... |
Yes I've seen it, thanks.
|
|
|
|
|
|
snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
|
| holidayloverxx wrote: |
| Pedantica, Wags, Cathy and I emailed Snowcard about off-piste definitions - the answerwas very clear. The thread is somewhere in Apres IIRC.... |
They were too expensive anyway. To get more than 4 weeks Winter cover you have to go for their Max-Adrenalin-Total-Nutter type policy 
|
|
|
|
|
|
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.
|
|
Wags, Ah, I just bought individual trips last year as I didnt know if I wanted European or North America cover last year.
|
|
|
|
|
|
|
|
|
I have an annual policy with axa it covers me for "off piste" t&c's make no mention of a guide... only stipulation is "skiing - off piste within resort boundaries"
|
|
|
|
|
|
You know it makes sense.
|
| Quote: |
I have an annual policy with axa it covers me for "off piste" t&c's make no mention of a guide... only stipulation is "skiing - off piste within resort boundaries"
|
What are the boundaries of a ski resort?
For the last couple of years I have had an annual policy with snowcard largely because they appear to be the only company that cover summer as well as winter holidays with mountaineering cover etc. and they are not too expensive.
|
|
|
|
|
|
cran
cran
Guest
|
try http://www.mpibrokers.com/
I think when I looked it was £95 for the whole season.
when you do a quote remove the baggage and cancellation cover as they are not really needed and halves the cost.
They cover off piste and park...
|
|
|
|
|
|
Poster: A snowHead
|
cran,
| Quote: |
remove the baggage and cancellation cover as they are not really needed
|
I need them! I had to claim for two cancelled holidays last season.
|
|
|
|
|
|
cran
cran
Guest
|
| Pedantica wrote: |
| I need them! I had to claim for two cancelled holidays last season. |
Ok, so maybe some people do need them
remove them only if you don't need them...
|
|
|
|
|
|
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?
|
Pedantica, Sorry...been celebrating rather than browsing sH's  We did quote snowcard but they were just too expensive as was our Dogtag renewal. We need fairly hefty cover for Mr HH penchant for touring the snowy wilds and MPI were the best value for that. I like their off piste statement....you don't know if you're off piste, we don't know, even the judges can't work it out....if you're skiing you're covered. Works for us.
|
|
|
|
|
|
You need to Login to know who's really who.
You need to Login to know who's really who.
|
|
homphomp, I think I will bookmark them for when we need to sort out winter sports cover in December.Our bank insurance has pretty comprehensive cover, but no off-piste without a guide, and I don't think it is worth the risk that they won't pay out when you need it.
|
|
|
|
|
|
Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
|
|
Highly recommend Protect your Bubble. One very large claim dealt with perfectly. Better prices than any quoted so far on this thread. Proper off piste coverage too.
|
|
|
|
|
|
You'll need to Register first of course.
You'll need to Register first of course.
|
|
|
|
|
|
|
My Snowcard annual policy ran out in March, I didn't renew it as the cost had gone up by a lot over that for previous years.
|
|
|
|
|
|
|
|
|
beeryletcher, that looks like it will cover only one trip per year of up to 17 days. No good if you go skiing more than once a season.
|
|
|
|
|
|
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.
|
|
rjs, so who did you go for instead, or have you not yet chosen? I must say that I'm sad the Direct Travel option was closed down, they dealt with my claim and a horrendous claim by my brother-in-law absolutely brilliantly.
|
|
|
|
|
|
|
|
and Protect your bubble only goes up to age 55 for skiers, which will omit many people on this site (although not myself for a while yet.
Pedantica, also sad about DT, medical assistance in France was brilliant, although they let themselves down a little when it came to processing the claim. I think the claims handling side has changed since though. I ended up with a single trip policy with them for our March holiday as I couldn't find an alternative that I was happy with.
|
|
|
|
|
|
|
|
FAQ
