Latest posts for the topic "Skiing Insurance"

Skiing Insurance

Thu, 15 Jan 2009 14:40:24 GMT

Hello all,

A couple of years ago during apres ski, two friends (trying to be conscientious) decided to swop one ski with each other (they were obviously not a pair) and leave them against a rack outside the bar.

Unfortunately, someone stole one of these sets, so both friends had to pay up for hiring new skis and pay the ski hire company.

My question is about ski insurance, I've just had an annual, worldwide travel insurance quote including ski equipment insurance (but ski's have to be locked) and off-piste for GBP70 which is an upgrade on the basic package of GBP50.

Does this sound excessive? it also includes some payments if flights are delayed or baggage is lost but I wonder if anyone else pays these premiums to insure their equipment?

Vin

Re:Skiing Insurance

Thu, 15 Jan 2009 14:43:01 GMT

Dogtag was GBP146 off for an annual policy at the Sport+ level for the highest coverage. Does not sound excessive at all (that is a maximum trip length of 31 days inc Winter Sports)>

Edit, that was just for Europe.

Re:Skiing Insurance

Thu, 15 Jan 2009 14:44:58 GMT

Reads like quite a good price for Worldwide cover. My last years' cover was GBP199 for Europe.

Re:Skiing Insurance

Thu, 15 Jan 2009 14:47:30 GMT

RossF wrote:Dogtag was GBP146 off for an annual policy at the Sport+ level for the highest coverage. Does not sound excessive at all (that is a maximum trip length of 31 days inc Winter Sports)>

Rosss I'm just not keen on the Dogtag groupings for cover off piste. To get any kind of Comprehensive "no nit picking" cover I would have to buy the Extreme package. Not really my thing )

Re:Skiing Insurance

Thu, 15 Jan 2009 14:49:56 GMT

I picked it because you got Dog Tags... :lol:

It said the basic cover included off piste.. have I missed sometihng?

Re:Skiing Insurance

Thu, 15 Jan 2009 15:29:12 GMT

This is how they define off piste.....from their website pdf

Off-piste:
Venturing over ungroomed and unmarked slopes but within the ski area or resort boundary, i.e the
area covered by ski patrollers or managed by the resort. Most resorts designate off-piste areas and
mark them as itineraries on the piste map. If you are uncertain about a particular area, do not go there.
Some people understand off piste (or backcountry) skiing or boarding to mean ‘going out of
bounds', i.e. outside the resort. If you are going out of bounds or outside marked areas of the
resort, you are advised only to do so with a fully qualified local guide.

Here's me doing summat "Dogtag" call Extreme..... :mrgreen:

ie: I'm outside the resort area boundary, not on a ski slope or an itinerary, I'm on touring kit, and no ski patrollers will check the slope.

Radical eh :D

On my way to lunch at the Hotel Weisshorn :D

Re:Skiing Insurance

Thu, 15 Jan 2009 15:33:12 GMT

Ah f*ck, so you require the extreme.. looks like I need to ring em up and sort it out. Would have been fantastic if something had happen (god forbid) to find out I was going to get a big credit card blll..

Re:Skiing Insurance

Thu, 15 Jan 2009 15:44:37 GMT

RossF wrote:Ah f*ck, so you require the extreme.. looks like I need to ring em up and sort it out. Would have been fantastic if something had happen (god forbid) to find out I was going to get a big credit card blll..

Sorry Ross, for me the devil is in the detail, and I always read the small print these days.

Insurers are generally in this lark to make money, and not hand it out :roll:

If you are within a certain number of days of purchase, there is a legal "cooling off period" if the policy is not what you need.

Re:Skiing Insurance

Thu, 15 Jan 2009 15:47:59 GMT

I think I will just sack it up and pay the extra, I like the idea of the dog tags be it an expensive novelty. Thanks for pointing this out. I believe we will be doing some routes out with the 'area boundary' so better to be safe and cover my ass.

Re:Skiing Insurance

Thu, 15 Jan 2009 18:33:04 GMT

We tend to use Fogg Travel as they were excellent when we did our seasons. They always used to settle their bills quickly and their medicard was widely accepted, unlike some other policies whereby you'll have to pay locally and claim back yourself.

Sadly, you won't know how good your cover is until you actually experience a claim, by which stage it is too late.

It's probably worth a call to the insurer to check their off piste definition and clarify any areas of concern. Keep a record of who you spoke to and when incase of a subsequent dispute.

Re:Skiing Insurance

Thu, 15 Jan 2009 21:22:51 GMT

Fourth year with Direct Travel, Europe, 47 days travel, inc multiples of 17 winter days, to which you can add.

GBP66 inc loyalty bonus.