Insurance - travel and ski

[Scamper]

Insurance - travel and ski

I'm absolutely sick of searching online for an annual, multitrip travel insurance policy that will cover us for up to 90 days each trip but also includes winter sports cover for the same length of time.

I'm starting to think I'll have to have 2 different policies - regular travel insurance and a separate 90 day ski policy - unless anyone knows otherwise?

 

[Phillybarbour]

Someone’s very very lucky 90 days skiing. I’d do it but better half limits time in ski resort to around 12 days in any one trip aghhh.

 

[Carrerasax]

Have a look at nationwide flex plus account. They will extend standard 45 day limit and u presume skiing for a cost.
message me to recommend u for the account and we both get £100 from memory!!!

 

[Scamper]

Have a look at nationwide flex plus account. They will extend standard 45 day limit and u presume skiing for a cost.
message me to recommend u for the account and we both get £100 from memory!!!

Thanks Carrerasax - we do already have a Nationwide Flex account - I'll check the small print

 

[Ginebrosa]

Not answering your question as such, just for a comparison.
we are registered and insured in Andorra. Our policy assumes we will go anywhere and everywhere for as long as we want. But it isnt cheap !
our ski ( or rather, extreme sport ) insurance is done with our holiday and medical insurance...it is for home as well as abroad.

 

[Scamper]

Someone’s very very lucky 90 days skiing. I’d do it but better half limits time in ski resort to around 12 days in any one trip aghhh.

Ah well, I doubt we'll do the full 90 days, but definitely aiming for more than 8 weeks. With having the dogs with us we usually take it in turns, and also have days where we go walking and lunching

 

[Scamper]

Not answering your question as such, just for a comparison.
we are registered and insured in Andorra. Our policy assumes we will go anywhere and everywhere for as long as we want. But it isnt cheap !
our ski ( or rather, extreme sport ) insurance is done with our holiday and medical insurance...it is for home as well as abroad.

I've given up looking for an all in one policy.

Gone for an annual multi trip that allows each trip to be up to 90 days.(£124) I've not settled on a winter sports one yet but they are all coming in at around £250-£280 as a 3 month single-trip policy.

 

[Trek]

What about skiclub ?

https://www.skiclub.co.uk/info-and-advice/ski-insurance

 

[Ginebrosa]

I've given up looking for an all in one policy.

Gone for an annual multi trip that allows each trip to be up to 90 days.(£124) I've not settled on a winter sports one yet but they are all coming in at around £250-£280 as a 3 month single-trip policy.

Bus costs €2000 pa. Extreme sports €160 pa per person...its technically rescue and repatriation.

 

[Trek]

As you have settled on an annual multi-trip policy for general travel

for the ski cover you could consider the insurance offered by the ski resort when you buy your lift pass ?
Would this provide you the winter sports cover ? Or is it just to cover the cost of getting you off the mountain ?

 

[fatwelshbuddha]

for the ski cover you could consider the insurance offered by the ski resort when you buy your lift pass ?
Would this provide you the winter sports cover ? Or is it just to cover the cost of getting you off the mountain ?

that in bold for ski resort insurance - it won't cover your hospital costs or repatriation if needed. we have an annual multitrip, multisport insurance policy with the BMC (British Mountaineering Council) which covers us for any daft activity we might get up to and includes things like chopper rescue, off piste skiing without a guide, ski touring etc which many basic ski policies don't cover - for about £300 pa per couple it's good value and much cheaper than multiple short trip cover policies. there are similar policies from Snowcard and Dogtag, both of which we have used in the past. BUT they only cover up to 30 days skiing but they can (I think) tailor cover to suit, so it might be worth looking at these.

and don't forget your EHIC card will cover you for most basic medical treatment (including bone breaks) but won't cover everything a full insurance policy will.

 

[Scamper]

The skiclub and Snowcard don't cover for long enough. I will check the BMC and Dogtag. There's a specialist broker, MPI, who have a good policy provided they can extend the limit of days. I did look into the resort Carte Neige type but (as FWB) says is "get you off a mountain" rather than medical insurance and you then have to rely on your EHIC, but it seems the resort medical centres that you are taken to can be private ones that don't accept EHIC.

Here's the info I found on why Carte Neige may not suit UK travellers.
http://www.natives.co.uk/holiday/the...insurance/3994

Edit - Dogtag - limit is 31 days on annual multi. For single 3 month - around £300
Edit 2 - BMC - Annual multi with 90 day per trip - £702 plus cost of membership.

 

[Scamper]

BMC (British Mountaineering Council) which covers us for any daft activity we might get up to and includes things like chopper rescue, off piste skiing without a guide, ski touring etc which many basic ski policies don't cover - for about £300 pa per couple it's good value and much cheaper than multiple short trip cover policies. /QUOTE]

Yeah, getting £312 for 45 days, and £468 for 60, but £702 for 90.
Single 3 month trip - £385.

 

[fatwelshbuddha]

Yeah, getting £312 for 45 days, and £468 for 60, but £702 for 90.

are you likely to get better cover for 90 days given all the inclusive stuff you get with the BMC?? or as an alternative - and I don't know how insurance companies view this - break the 90 days into 2 x 45 day covers by having a gap of say a week between?? just a thought. to be honest I'm not sure I'd want to do a 90 day ski break - a month is about as long as I'd want and even there not ski every day.

 

[Scamper]

What about skiclub ?

https://www.skiclub.co.uk/info-and-advice/ski-insurance

Need too long for the annual policy, 3 month single trip - £280.

 

[Trek]

As motorhomers and therefore independent travellers who DIY our trips could this cause problems in making claim on a travel insurance policy ?

 

[fatwelshbuddha]

As motorhomers and therefore independent travellers who DIY our trips could this cause problems in making claim on a travel insurance policy ?

no as you're still "travelling" whether independent or via an organiser. I've had to claim once on a travel policy when I broke my jaw skiing and had to be chopper rescued with 5 days in a French hospital - this was when we had a place in the Alps so we were basically independent of any organiser, and had no problem with the claim (this was with Snowcard)

 

[Scamper]

are you likely to get better cover for 90 days given all the inclusive stuff you get with the BMC?? or as an alternative - and I don't know how insurance companies view this - break the 90 days into 2 x 45 day covers by having a gap of say a week between?? just a thought. to be honest I'm not sure I'd want to do a 90 day ski break - a month is about as long as I'd want and even there not ski every day.

I have thought about doing that, especially as we may move off down to the e.g. Perpignan area for a warm (er) break.

Can't remember where I read it, may have been on the Ski Club GB site, but when calculating the ski days the insurance companies look at what ski pass you buy - so a 14 day ski pass counts as 14 days skiing for insurance purposes even if you don't ski every day.
We have (for the first time) already bought season passes (only needed to ski 18 days to make them cost effective against shorter passes) so not sure how that would affect any claim though obviously we could prove we weren't in resort and therefore not skiing if it came to that.

 

[Scamper]

As motorhomers and therefore independent travellers who DIY our trips could this cause problems in making claim on a travel insurance policy ?

Still covered - in actual fact over covered with all the stuff most policies include - flight cancellation, loss of baggage, etc. Some policies do allow you to opt out of some of it but we talking a price difference of pounds rather than tens of pounds.

 

[fatwelshbuddha]

Can't remember where I read it, may have been on the Ski Club GB site, but when calculating the ski days the insurance companies look at what ski pass you buy - so a 14 day ski pass counts as 14 days skiing for insurance purposes even if you don't ski every day.
We have (for the first time) already bought season passes (only needed to ski 18 days to make them cost effective against shorter passes) so not sure how that would affect any claim though obviously we could prove we weren't in resort and therefore not skiing if it came to that.

we had season passes last year and in total used about 50 days of skiing in 2 trips but I didn't think to wonder whether I was covered on my 30 day max policy. tbh - I'd query that with an insurer as I can't see how they can assume that you're not covered on a season pass if you stay inside trip limits - and how they hell they check anyway what pass you have!!