ise wrote:
freezywater wrote:
ise - we're all entitled to our opinions, it just happens that you're wrong. I DO live in a litigation culture, you may not but that was not my point and snowsports ARE classed as 'high-risk' and the premiums ARE higher, or do you also work in insurance part-time?
This is pretty simple to prove.
First, ski premiums are very low, it's a fact. How low? Less than 3€ a day
(source: AXA Insurance, French ski Federation, l' ASSOCIATION TOURISTIQUE SPORTIVE et CULTURELLE des ADMINISTRATIONS FINANCIERES), that's what carte neige would cost in France for a day on the slopes, it's a perfect example as all other risk is stripped out, they're not covering having your skis stolen, flight delays, lost or delayed luggage that a policy with a ski holiday might cover, it's just cover for having an accident on or near the slopes.
In fact, that's expensive, you can have the whole season, regardless of how many days, for under 50€ by taking the annual ticket.
(source: AXA Insurance, French ski Federation, l' ASSOCIATION TOURISTIQUE SPORTIVE et CULTURELLE des ADMINISTRATIONS FINANCIERES)
... but even that's expensive, you could have the whole year in the mountains in Switzerland, skiing, climbing, hiking, mountain biking, flying a parapente if you wished for 30.- chf.
(source: air glaciers or REGA)
... but even that's expensive, as a mountain professional resident in Switzerland I pay only 20.- and they'll come and get me from anywhere in the world if I have an accident.
(source: air glaciers or REGA, Swiss residency permit holders only, federally recognised mountaineering qualifications, member of recognised professional groups only)
... but even that's expensive, it's so low risk that as a leader, guide or ski instructor your household insurer in Switzerland will cover your first 6000.- chf of income professionally.
(source: Zurich, Zuritel and others, "responsabilité civile", federally recognised mountaineering qualifications, member of recognised professional groups only)
Are snowsports high risk? Of course not,
trencher already pointed this out. This is measured, recorded and logged, we know exactly, globally how much risk there is because adverse outcomes are recorded. We know there's fewer accidents per participant days in skiing than in football, rugby, cycling or, the very best known and most used example, horse riding. (I've provided this data and sources previously on J2SKI I believe)
You don't live in a litigation culture unless you personally chose to. Number of UK claims has risen by 3% in the last 5 years and numbers of personal injury claims are actually down.
(source: Compensation Recovery Unit at the Department for Work and Pensions) The figures cherry picked by newspaper scare stories include motor claims and clinical negligence, if I were looking for something to worry about in the UK it would the underlying causes of the rise in clinical negligence claims and just who the national press is beholden to.
