The Insurance Minefield ~ Chapter 2

Just checked Ski Club GB policy. I'm sure this has been covered on FB but thought I'd check it out for myself. It looks ok actually.

1 Off Piste skiing/boarding specifically covered under Hazardous Sport level 1 (which is included under standard cover).
2 Ski mountaineering is specifically covered under Hazardous Sports level 2 (which carries a 50% premium loading). However, trekking/hiking which requires specialist equipment is not covered so if anybody really is proposing to go the whole hog I guess this will need further clarification.
3 Search and rescue is covered up to a reasonable level (with £250 excess). Under FAQ's it says - Q. Will the policy pay if I need to be air lifted off a mountain? A9. Yes if you are injured or have an accident the policy will cover the reasonable cost of mountain search and rescue services.
4 Emergency medical treatment - We will contact hospitals or doctors abroad and guarantee to pay their fees, providing you have a valid claim.

Within the policy wording there don't appear to be any caveats or exclusions which seem to be popping up elsewhere and are causing confusion e.g. the avalanche risk issue. It's written pretty clearly (I think). Any thoughts?

EmmaEvs the Ski Club Policy is looking quite clear, though the BMC is cheaper because of the need to join the Club to get access to the Unlimited trips policy. I just priced the SCGB Ins up for me and my OH at £372.26 p.a. with a 60 day travel limit :lol: :shock:

PJ Hayman, the intermediary seem to be well respected.

As opposed to £69, (last years price), for two people, with Direct Travel, unlimited, except a 45 day single trip limit.

I took out insurance with SCGB a few years ago, but it was quite a lot of hassle because at the time both my kids were seeing the paediatrician for something, and we had to go through the medical screening process. However, we did get the insurance, in the end, and fortunately we didn't need it. I can't remember how much it cost, but it was quite expensive, which is why I switched to the Post Office.

I have also bought ski insurance with the NFU. Their current policy says they do NOT insure for:
"ski racing or jumping, heli skiing, freestyle skiing, off-piste skiing which is not professionally guide-led, sports involving the use of bobsleighs or skeletons."
I haven't got an up to date quote from them, but I'm sure it would be more than the Post Office.

Ally

Righto. That does sound expensive for a couple. I have to admit I didn't price it, just looked at the policy wording. At least it's one in the bag though - if all else fails you know there is one which provides the cover you need. I wish I had a problem with having to ensure I had enough days on my policy :cry:

Onwards and upwards :-)

Emma, you do understand that 45 days isn'y mandetory! -)
An annual policy sounds right for you though, ~ to go with your season pass!

Emma, you do understand that 45 days isn'y mandetory!

Aye. It should be though 8)

EmmaEvs wrote:Just checked Ski Club GB policy. I'm sure this has been covered on FB but thought I'd check it out for myself. It looks ok actually.

Within the policy wording there don't appear to be any caveats or exclusions which seem to be popping up elsewhere and are causing confusion e.g. the avalanche risk issue. It's written pretty clearly (I think). Any thoughts?

Yes, we are reading this lot from our perspective. How would the Underwriter interpret the wording in their favour to reduce their costs? Most of the recent unease that has arisen in skier Policyholders is because of what is not written in these Policies, maybe we have to read between the lines too?