J2Ski Forum Posts and Replies by ise

Pablo Escobar wrote:I'll have you know I can see the Arrochar Alps from the house :wink:


I'm actually below the highland line.

you mean you can see the Cordón de Chacabuco of the Chilean Andes from the terrace of your villa surely?

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.

freezywater wrote:
Snowsports are classed as 'high-risk' that's why the premiums are more, but ultimately as with everything we do the responsibility lies with the individual to assess the risk against their own experience level and decide upon the correct route to take. Unfortunatley human beings and particulalrly those of us that live in a litigation culture have forgotten this, they place all the onus on corporate bodies and organisations to protect them without taking some of the responsibility themselves.

No they aren't, snowsports is not classed as high risk because it's not and premiums are not high compared to other sports. And you don't live in a litigation culture, unlike most people here I actually am a provider of mountaineering activities and fear of litigation just doesn't exist in a serious way for me or my peers, providing we act within our remits and follow best practice we've absolutely nothing to worry about.

Ian Wickham wrote:
Thats the price of living in the mountains can't have the good life all the time you know, it's a beautiful day down here in darkest Norfolk, Little W and I have just been out for a bike ride in cloudless blue skies my runner beans are climbing up their poles and onions, squash and courgette and early potatoes are doing nicely in the fine weather, tomatoes and peppers are growing in the green house, and have just had breakfast on the patio, life is good. So stop being grumpy and get ya bike out, they work in the rain you know :wink:

seems to work for me, in the last week I've been ski touring, hiking, cycling, last night we spent a couple of hours in the warm evening sunshine above one of the lakes rock climbing, the weather's been great and we've hard three barbecues this week. Just made some sandwiches and we'll be out just as soon as we decide if we're going climbing or cycling.

acarr wrote:Pabs - I just re-read my post and it sounds like I work for wtss :oops:
I don't, honest. I take your point about Eileen posting her review on here too. It's just handy being able to log on to the 'you know what' website and looking up the resort info and any user reviews. I was frustrated they didn't have any, and Eileen made it sound so nice.
Allie

you could post your own, I wouldn't let the fact you've not been stop you, there's no sign most of the other reviewers have been the places they review :lol:

will anyone argue about the answers later? :lol:

snowb4ndit wrote:
I have two cats and one of them is the double of your cat...he absolutely loved the snow, he was chasing flakes all day and rolling around in it. He's not as brave with the tortoise though!

He's actually wild and from the Peak District, much like myself :lol: There's a few grey cats here, it's more common than the UK for some reason.

not much of a ski or snow fan :