 Poster: A snowHead
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I have seen one recent topic about insurance post-op for an injury, but there was no mention of an insurance to go with. I broke my patella bone in Frb this year with everything ok now, just a few trip to the physio to check all is ok. Now will I be able to get cover for my left knee?
And also which insurance will cover my ski equipment up to £500? Most only cover up to £300 and then thers a £200 excess.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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AledJones, sorry mate your message has come through a bit garbled. Are you asking about insurance following an injury/operation. I would imagine if you have been given the all clear there is no issue. As long as you stick to doctors orders I can't see the prob. Others may have a different story/view.
As for ski equipment insurance. Waste of time IMV. They will only pay you what it is worth, not new for old. With the excess and hassle involved you are better off self insuring and not putting your equipment at risk.
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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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AledJones, Chcek if your ski kit is covered on your home new for old policy, it can easily get damaged beyond repair whilst in your house .....
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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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| Layne wrote: |
| you are better off self insuring and not putting your equipment at risk. |
Do you mean not skiing on it?
Self-insuring? What's that?
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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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| Quote: |
Self-insuring? What's that?
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Simple sums. Let us say your skis are worth £500 and you think there is a 5% chance of them being stolen in any given year. then that is an expected loss of £25 per annum. If the insurance company quotes you more than that, which they will because they want to make a profit then provided you can can take the possible loss then you put the £25 premium to yourself in your pocket. OK sometimes you may have been careless and your skis get stolen at which point you have to cough up £500 for a replacement pair (we will ignore the fact that the insurance company would not give you this amount), but that is only going to happen about once every 20 years.
Personally I do not have ski equipment insurance, or piste closure insurance or missed departure insurance etc. But I do have health and rescue insurance because these can become very expensive.
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You'll need to Register first of course.
You'll need to Register first of course.
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| Quote: |
but that is only going to happen about once every 20 years.
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- is that an actual actuarial assessment or are you just guessing? It sounds like you are saying that if you ski for 20 years there is a 100% chance of your skis getting nicked!
If you are skiing in France, the Carte Niege always seems to be the best value 'health and rescue insurance'. It also covers 'whiteout' days (although the lift operators can be very sneaky and keep just enough lifts open to make it not apply, regardless of hurricane force winds and zero visibility)
£200 excess sounds extreme for holiday insurance.
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