 Poster: A snowHead
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Just looking around for some insurance for a trip next year. Read through the forums and seemed to pick up that Dog Tag, Snow Card and Insureandgo seemed to be getting a good rep. But looking through the policies for paying out for personal possessions none of them pay out new for old so they'll only pay a percentage based on age your kit. Dog Tag's T&C pretty much don't pay anything for stuff thats 3 / 4 years old (I'm sure Dog Tag aren't alone on this) which is the majority of my kit. So if my kit got lost on a plane there's no way I could afford to replace it for the holiday or future holidays.
Does anyone bother looking for good personal possessions cover? Did I miss something? Or is everyone riding in better/newer kit than I am
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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Johnhelliwell, if your stuff got lost on the plane then you'd claim from the airline/baggage handlign company, not your own insurance. I don't bother with the ski cover because mine are now over 4 years old so zero payout. On the slopes I might have a claim on my household insurance, but I'd have to check my policy
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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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Johnhelliwell, asholidayloverxx, says, check your household contents policy, mine covers me for £500 of sports equipment.
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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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Hello,
This advice comes with a warning that it may be slightly against the rules (but who cares when its merely redressing the balance of a bent industry). Anyway the way I have always done it when I have had kit nicked on the slopes is to buy a new set of the same ski and binding and then claim for that set instead as then you have the receipt etc.
I will add a pre-emptive haters gonna hate this plan but I have always found it works fine.
Alternatively I have had several policies with Hiscox insurance and whiloe you pay more they deliver and excellent service and dont leave you in the lurch. A couple of years ago a rucksack "bounced out the back of a Landrover" (or more likely was removed) while I was in Africa and after some e-mails they paid out like for like when I sent them an itemised list of which I only had receipts for some items. They just asked that I reference my prices from known websites such as amazon.
Anyways hope some of my experiences help.
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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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| smokeyjack2000 wrote: |
Hello,
This advice comes with a warning that it may be slightly against the rules (but who cares when its merely redressing the balance of a bent industry). Anyway the way I have always done it when I have had kit nicked on the slopes is to buy a new set of the same ski and binding and then claim for that set instead as then you have the receipt etc.
I will add a pre-emptive haters gonna hate this plan but I have always found it works fine.
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Besides the fraud - isn't it really obvious that your receipt is dated after the theft? Or alternatively that you're representing that you bought a spanking new set up that happened to be nicked almost immediately?
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You'll need to Register first of course.
You'll need to Register first of course.
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Johnhelliwell, As lilywhite, says check your or if you live with your parents their home insurance policy for personal belongings which might cover you as well. Most insurance companies would expect you to contact them before you bought a replacement if you didn't they may not reimburse you.
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Yeah the fraud ain't ideal. With the receipt for new kit you can only report the loss after you have bought the new kit. i.e. Kit nicked on a Monday, buy new on a Tuesday, report loss on Wednesday. Its not an ideal situation but it alleviates the issue of insurance companies under valuing your kit (which not all of them do). I once had a situation where the insurance company refused to pay out for skis that were more than a few years old which seemed quite silly as its not like they were of no value to me.
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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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Bode Swiller, +1. he does seem to be somewhat unlucky or careless .....
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Johnhelliwell,
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Johnhelliwell, asholidayloverxx, says, check your household contents policy, mine covers me for £500 of sports equipment.
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Yep my Saga  house insurance covers me for all sports equipment individual item up to £1,000
I did a lot of checking with them and they say its fine even if I had 10 pairs of skis stolen from my car in France I would still be covered
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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holidayloverxx, and his fraud costs each and every one of us in higher premiums.
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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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We have Santander Reward current account and that includes up to £500 cover for our own ski equipment (up to a max of £250 per item) but not on a 'New for Old' which is to be expected. A pleasant surprise if that we are also covered for up to £500 of hire equipment and £20 per day for hire kit if our own is lost, damaged or stolen.
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smokeyjack2000
I genuinely do hope you get prosecuted and imprisoned. You are a criminal.
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(but who cares when its merely redressing the balance of a bent industry).
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I care, and loads of other people care as their premiums support your criminal activity.
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I will add a pre-emptive haters gonna hate this plan but I have always found it works fine.
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Yes, surprising as it may seem, many people don't approve of fraud. Weird that.
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You know it makes sense.
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I wonder how oftern smokeyjack2000 buys skis and claims without the loss having actually taken place  ?
suggest a name change to fraudsterjack2000
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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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| smokeyjack2000 wrote: |
| Anyways hope some of my experiences help. |
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Poster: A snowHead
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Comment about haters still stands.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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smokeyjack2000, jeez, I clean forgot you'd pre-empted me. Best of luck with you career in crime.
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