When are you off

Nearly forgot insurance....again :oops:

tino_11 wrote:Nearly forgot insurance....again :oops:

You need a Manager, clearly :D

Think I do, this seems to be a mental block I have developed.

tino_11 wrote:Think I do, this seems to be a mental block I have developed.

I'm quite surprised that you don't have an annual policy, as you go quite often.

bandit wrote:

tino_11 wrote:Think I do, this seems to be a mental block I have developed.

I'm quite surprised that you don't have an annual policy, as you go quite often.

I have toyed with this idea, as it is cheaper. I am unconvinced it is less hassle however. Most policies ask questions about health over 12 months, this is not a static answer. If you fall over and break your ribs in week one (and dont make a claim) you are obliged to tell your insureror and have your policy updated. Last year I had several out patient visits to have minor operation on a finger for something completely out of the scope of skiing, I have to declare all of this each time. So unless you never see a doctor in a 12 month period the information on your policy becomes innacurate at some point, potentially leading to loss of cover (at worst) and endless expensive phonecalls to keep yourself covered (at best).

Hmmmm, weather in the Zillertal is looking decidedly dodgy, snow today and tomorrow turning to rain up to 2200m on Monday, think most of the time will be on the Tux rather than in the Hof :(

tino_11 wrote:

bandit wrote:

tino_11 wrote:Think I do, this seems to be a mental block I have developed.

I'm quite surprised that you don't have an annual policy, as you go quite often.

I have toyed with this idea, as it is cheaper. I am unconvinced it is less hassle however. Most policies ask questions about health over 12 months, this is not a static answer. If you fall over and break your ribs in week one (and dont make a claim) you are obliged to tell your insureror and have your policy updated. Last year I had several out patient visits to have minor operation on a finger for something completely out of the scope of skiing, I have to declare all of this each time. So unless you never see a doctor in a 12 month period the information on your policy becomes innacurate at some point, potentially leading to loss of cover (at worst) and endless expensive phonecalls to keep yourself covered (at best).

I agree with all of what you write, which is correct if you desire that your existing conditions are included in your policy.
Our household decided to drop "existing conditions cover" this time round, as we thought (and so did you) that maintaining this was a PITA.
I have been skiing since 1983 and have yet to have a pre-existing condition force the curtailment of a ski trip. Never say never, of course, it's a very personal thing, but we feel it's a reasonable risk to take based on our circumstances.

The issue I see with dropping existing conditions cover, is the possibility they tie an existing condition to an incident on the hill which by most by reasonable peoples standards, is totally unrelated. I am a little paranoid about insurance to be honest. This being said you would think I remembered it a little more frequently.