J2Ski Forum Posts and Replies by tino_11

A nice enough little video with a couple of very nice tracks to accompany it.....

The guy who sold me my policies did my claim for me after my bike accident. Then he proceeded to say, do you need any work doing on your teeth, when I said yes he told me to get everything I need done right now as I had already forfeited my rebate for the year so I may as well go nuts.

Pablo Escobar wrote:

Rain then snow; mainly western hills. Gales will later ease.

Really?

someones having a larf, that's the Dumbarton forecast.

Trencher,

On healthcare there is no deductables, I am 100% covered for all eventualities, in any hospital on earth. Okay policies start to get interesting when something chronic occurs, but name an insurance that doesn't. Dental cover has varying excess applied depending on what you pay up front. Mine is 10% but that covers cosmetic work also.

I only realized all of this after my bike accident last year, fractured skull and broken collarbone. Proviso on the private is you pay and claim, this can be done simulteaniously at home as the bill sent in the post is evidence enough. with public the institution claims directly. My claim for my accident included the answer to the question " how did the accident occur?" to which I answered...... "I was riding along, and then I fell off". No more correspondance and €4000 in bank within 3 days.

I spent a long time sorting insurance out before Christmas, it was painful but easy now as I have to do nowt until I chose to change it. Indefinately.

Living in Germany you can pay for public healthcare or private, as an unmarried healthy 34 year old the private is substantially cheaper, meaning I can go to town on the options. Top level health and dental with worldwide coverage at worldwide rates puts me about level with the cost of public insurance.

This means I can be treated anywhere in the world and charged for it at local rates knowing I will never have to do more than send the insurer my bills. I also carry two sets of accident cover of 10k each which can both be claimed for the same thing. I carry this primairily for heli rescue or a minor injury so I don't have to claim on my health insurance and lose my substantial rebate (in Germany with private health you can get to a point where you get 6 months back, including employers half. This equates to free top level insurance).

You must carry liabilty in Germany for potential damage to others or thier property, this can be up to several million for next to nothing and can be used abroad. I carry a marginally expensive loss or damage insurance which covers 365 days travel a year private or business which pays for lost board/wallet/6-pack.

The only thing I don't have is delay or cancellation cover, however I don't use operators and know the workings of airlines like the back of my hand and always use credit cards that carry purchase insurance.

As I'm still young and crazy, I've dumbed down my pension given current economic conditions and gone nuts on life assurance for my daughter in case of the worst.

Easy.

Ian Wickham wrote:

Tony_H wrote:

Ian Wickham wrote:

Stewart Dowling wrote:Thanks Tony for kindly showing off my 1939 - 1945 attire, cooly brought into the 21st Century with the additional of a TNF logo.

I will post the picture some time later when I find it of you wearing a helmet too in SC.

Needless to say you dont like as cool as me.

Ring ding ding ding

I can't wait to see Tony with a lid :lol:

Sat on a bus, half cut, helmet perched on my head. It was not being worn on the slopes, thanks. Me like bobbles.

I'm glad to hear it, for one moment I thought I was alone against the lid brigade :lol:

you are not alone Wickers, although I must say I wondered about the merits of one whilst accelerating head first on my back 200m down an icy Harakiri in Mayrhofen last week.

Funny what you think about during something like that:

• oh bugger I'm off
• right, I've landed and I'm conscious
• I appear to be going head first
• and I'm on my back
• hope this doesn't rip my new TNF jacket
• could do with sone new pants
• I'm accelerating
• hope they got me a beer in whilst watching me attempt this
• how do I right myself from here?
• can't get on my front
• will I flip off if I try and arrest with the board?
• still accelerating, can't stop, maybe I should wear a helmet
• try and turn with your elbows, oh bugger I've got my sleeves rolled up
• when will this stop?
• I've stopped, get up and keep going before you panic
• why am I laughing?

4 nights in Madrid for me. Planned on Zermatt with the future Mrs_11, however accomodation is impossible :( So I searched for a long weekend in Lebanon to visit Beirut which has always been a dream of mine but there is only one seat left on the late flight from Frankfurt on Thursday :( Dont think she'd be too impressed to turn up from Helsinki to see me heading for one of the hippest cities on earth alone. So Madrid it is, should be right up her street given the architecture and art. Also I was there for a few hours before on the day of the bombings and the dignity and elegance of the locals left me in awe, always wanted to go back.

Good on you both, i'm not sure I'd have made the same decision as a novice, but each to thier own :) saying that I snowboarded in Chile last summer two weeks after breaking my collarbone and fracturing my skull. Made me a much better snowboarder I can tell you!