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That's interesting, if you read the small print you find the sort of clause I was referring to :
which of course could mean about anything )
Good example, I'd heard that as well. I'd like to see the "it's better than nothing" claim for cycle helmets given a try there :lol:
I'd not just heard about it, I've experienced it.
There are still some comprehension problems for travel insurers dealing with skiers. For example, Upon making a claim, I was asked "what colour of run were you on when you were injured?" I queried the value of the question, and received in response "So that we can tell what level of skier you are for our statistics".
Which would give that company a really skewed set of stats.
In case you were wondering, I answered the question, and it was a green run :lol:
The only question I was asked was whether someone else was involved or not. These companies are all very different by the sounds of it.
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Started by RoseR in Ski Chatter 26-Jul-2008 - 38 Replies
Dave Mac
reply to 'Travel Insurance' posted Aug-2008
Not quite Caron, Direct Travel still ask that you ski on a run recognised by the lift company. There are a good few runs that do not fall into this category, but ~ what the hell.
Bandit
reply to 'Travel Insurance' posted Aug-2008
Dave Mac
This is a page lift from the Direct-Travel website with their definition of ski activities covered. Perhaps you have a different policy?
Source http://www.direct-travel.co.uk/faq/what-winter-sports-activities-do-you-cover.aspx
There is also a good Glossary Page
http://www.direct-travel.co.uk/faq/do-you-cover-hazardous-sports.aspx
This is a page lift from the Direct-Travel website with their definition of ski activities covered. Perhaps you have a different policy?
What winter sports activities do you cover?
Click here for a Ski Insurance quotation.
The following alphabetical list details all of the ski, snowboarding and other winter activities we cover on our wintersports policies.
Winter sports - big foot skiing, cat skiing, cross country skiing, curling, glacier walking, glacier skiing, heli-skiing, husky dog sledding (organised and non-competitive with an experienced local driver), ice diving (with a qualified instructor at all times), ice hockey, ice skating, mono skiing, Nordic skiing, off-piste skiing and snow boarding, parapenting (with a qualified instructor at all times), skiing, ski biking, ski-boarding, ski-doos*, ski racing (non FIS), ski touring, ski yawing* (non-competitive), sledging, snow biking, snow blading, snow boarding, snow carting, snow decking, snow kiting, snow mobiling*,snow scooting, snow skating, snow surfing, snow tubing, snowcat skiing, telemarking, tobogganing and zorbing;
but excluding:
a) 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;
b) in the United States of America and Canada, winter sports outside the defined boundaries of a resort unless accompanied by a locally qualified guide.
* Please note that there is no personal liability cover whilst participating in these activities.
If you are interested in any activities not listed above, please contact us
Source http://www.direct-travel.co.uk/faq/what-winter-sports-activities-do-you-cover.aspx
There is also a good Glossary Page
http://www.direct-travel.co.uk/faq/do-you-cover-hazardous-sports.aspx
Edited 1 time. Last update at 08-Aug-2008
Ise
reply to 'Travel Insurance' posted Aug-2008
bandit wrote:
Source http://www.direct-travel.co.uk/faq/what-winter-sports-activities-do-you-cover.aspx
There is also a good Glossary Page
http://www.direct-travel.co.uk/faq/do-you-cover-hazardous-sports.aspx
That's interesting, if you read the small print you find the sort of clause I was referring to :
You must take and cause to be taken:
a) all reasonable precautions to avoid injury, illness or disease for example by using appropriate and
customary safety equipment on all occasions whilst participating in any sports or hazardous activities
which of course could mean about anything )
Bandit
reply to 'Travel Insurance' posted Aug-2008
Ah yes, the ultimate cop out clause "reasonable precautions". I know that some insurers are now routinely asking about helmet wearing in claim situations.
It's all down to us as individuals to prove that we read the weather forecast, called in at the pisteurs hut, wore a helmet/back protector, skied sober etc.
Perhaps the insurance companies could produce a Darwinism test as part of the application, to weed out the folks likely to be putting up the premiums for the rest of us because they are stupid.
It's all down to us as individuals to prove that we read the weather forecast, called in at the pisteurs hut, wore a helmet/back protector, skied sober etc.
Perhaps the insurance companies could produce a Darwinism test as part of the application, to weed out the folks likely to be putting up the premiums for the rest of us because they are stupid.
Edited 1 time. Last update at 08-Aug-2008
Ise
reply to 'Travel Insurance' posted Aug-2008
bandit wrote:Ah yes, the ultimate cop out clause "reasonable precautions". I know that some insurers are now routinely asking about helmet wearing in claim situations.
Good example, I'd heard that as well. I'd like to see the "it's better than nothing" claim for cycle helmets given a try there :lol:
Bandit
reply to 'Travel Insurance' posted Aug-2008
ise wrote:bandit wrote:Ah yes, the ultimate cop out clause "reasonable precautions". I know that some insurers are now routinely asking about helmet wearing in claim situations.
Good example, I'd heard that as well. I'd like to see the "it's better than nothing" claim for cycle helmets given a try there :lol:
I'd not just heard about it, I've experienced it.
There are still some comprehension problems for travel insurers dealing with skiers. For example, Upon making a claim, I was asked "what colour of run were you on when you were injured?" I queried the value of the question, and received in response "So that we can tell what level of skier you are for our statistics".
Which would give that company a really skewed set of stats.
In case you were wondering, I answered the question, and it was a green run :lol:
Caron-a
reply to 'Travel Insurance' posted Aug-2008
bandit wrote:There are still some comprehension problems for travel insurers dealing with skiers. For example, Upon making a claim, I was asked "what colour of run were you on when you were injured?" I queried the value of the question, and received in response "So that we can tell what level of skier you are for our statistics".
Which would give that company a really skewed set of stats.
In case you were wondering, I answered the question, and it was a green run :lol:
The only question I was asked was whether someone else was involved or not. These companies are all very different by the sounds of it.
Topic last updated on 09-August-2008 at 22:40