Travel Insurance

DaveW, yes it was an Annual Policy. Love your comment,

Updating the insurer can be tricky.

My cover was pulled by Snowcard on the basis that I was having an overly complicated x-ray ordered by an Orthopod to back up his suspicions. No pre-existing conditions, no early diagnosis, no injury... nada.
I was not given the option of paying a loading on the premium.

I really don't rate a company so plainly keen to pull out of an Insurance Contract before there is even a diagnosis on which to base a decision.

Still hopefully on the thread.. apart from Health issues, my problem recently was losing a ski under the snow off piste and facing a bill of £440, net of discount.

Despite (usually) taking out both 'Recovery' and Rental-shop insurance AND a solid Uk insurance cover for off-piste skiing, I still slipped-up (in both senses). We did find the ski, eventually.

A quick trawl of major internet hirers prompts me to warn (without any guarantee of suitability as to my comments or opinions for your case/situation, Folks. Check-out everything youself before getting into any agreemeny/insurance situation!)

Relying on UK Insurers will mean you're debited (cards)/invoiced cash for full-price of the SKI PAIR. Whereas UK insurers may restrict claims to the proportional cost/value of the ONE ski.

So, take out double cover UK/local like I do and your clear?
Maybe, but not certain unless the small print states 'Loss' as well as 'damage' and 'theft'. A busy ski shop on the first day may not be the ideal place to do this! Check the limit for hire-skis it may be restricted to say, £300.

Check the security stipulated. Locked when un-attended? How, Where and When? Lunch times on-mountain, apres ski, overnight in accommodation, car, 4x4, the pub in the street? Lockable racks in mountain rail stations and so on. What constitutes an acceptable locking device or fixed object?

My insurer actually states in-policy... (the exclusion) does not apply to skis left during daytime for the purpose of obtaining refreshments.
You MAY get what you pay for/deserve. Caveat Emporia,
let the buyer beware!

Since I started this thread, I have done a lot of 'small print' investigation, but although at times I have felt so frustrated that I could throw a ski boot at someone, I have finally reached an apparently successful conclusion and this morning took out an annual policy for the two of us with Direct Travel. What friendly and helpful people to deal with, everything explained thoroughly and a good level of cover at very reasonable cost.

Thank you everyone for help, advice and suggestions. :D

Congrats. jastem,
I've been with Direct Travel for years now, like you found them straightforward and good to deal with.