We have a few things that might be considered to normally put up costs. I have switched a couple of years back to MPI. Michael Pettifer is a serious skier himself, and unusually for an insurance agent has set up an operation that looks at the world through the eyes of a skier.
Off Piste. Covered without a guide or instructor. You just have to show you were using common sense. Given that I have been an instructor, and Frau Mac has also instructed, I have you tube videos that show competence, it would be hard to refute an OP claim.
Age, they will provide cover until your 80th, then you have to make special application. Not an issue for me, I have loads of years before that cuts in.
Medical. What ever else, and whoever you insure with, always declare any conditions honestly. Normally the questions take the form of any visits to a specialist in the past year, any conditions to declare, taking any medication. In the case of MPI, Frau Mac and I both declared issues, and they just covered us at the standard price, with no additions, and no additional excess.
This year, I certainly have had to take a biggish cost hit, because in addition to our European trips, we are having to cover skiing in Colorado, and another possible world journey later in the year. However, we still paid the same as anyone else.
I don't subscribe to the view that insurers are out to "get you". They must come across a lot of people who do not answer honestly. In the case of MPI, I found it was totally straightforward.
