J2Ski Forum Posts and Replies by bandit

Try on lots before you buy, take your goggles and shades with you to make sure they fit nicely. It's possible to pay anything from £25 (my OH's Giro9) to around £200.

Buy the one that fits :D

Yes I agree, it would be awful to have to fight your insurer, and recover from injury as well. I had a fairly dismal time when I last claimed, but that was because the insurer, AXA, had contracted with a claims handling agent who was in the process of becoming infamous. AXA dropped them shortly after.

Here is another classic, taken from the website of Primary Insurance today.

Wintersports
Guided cross-country skiing, mono skiing, off-piste skiing or snowboarding, recreational
racing, skiing, snow boarding and snow sledging.
Wintersports does not include:
Freestyle skiing, heli-skiing, ice hockey, luging, off-piste skiing or snowboarding in areas
designated as unsafe by resort management, off-piste skiing or snowboarding where there is
an avalanche warning in place, parapenting, ski acrobatics and stunting, ski bob racing, ski
flying, ski jumping, ski racing or training, the use of skeletons or bobsleighs, snow mobiling

My bold

It's my understanding that Avalanche Warnings are in place all season, it's the level of risk that alters by the hour/day.

Even the sentence above the one I have highlighted to me makes the clause very dodgy. How would such a designation be established, when all off piste carries an element of risk.

Again, to me this policy wording shows a lack of understanding of their product.

http://www.primaryinsurance.co.uk/policydocuments/policydocuments.html

RossF wrote:Why would anyone Spam a ski that is 5 years old? :lol:

Well, they were a really competitive price and we are in a recession after all :lol:

elgius wrote:


What's SPAM???

Here you go, this should help to explain it :D

http://en.wikipedia.org/wiki/Spam_(electronic)

elgius time to read the small print in your policy. Most insurers have a sliding scale for payouts, based on ski age.

RossF wrote:The Cobra S is an old, outdated ski. You will get on much better with 'newer' technology!

He could always try skiing on SPAM :mrgreen:

ise wrote:if you're in France then carte neige/carre neige should cover you for a small charge with the lift pass.

The remits for guides, instructors and leaders are fairly complex to an outsider but I doubt an insurer would make any headway legally as long as the person were operating within their remit regardless of the title they were using that day. I would guess an insurer that did cover off-piste without a guide would still expect the skier to take normal precautions and know what those precautions were though.

Quite, though an number of UK insurers have in their small print that the insured is only covered for off piste skiing if they are with a qualified ski instructor.
If it's not in the policy, you are not covered. It would make no sense for their customer to be obliged to engage a mountain professional without the necessary mountain guiding qualifications, in order to ski off piste yet this is exactly what their policies demand.

To me it shows that they are selling a product which they know very little about.

snowpack wrote:

I'm not sure whether mountain guide would, in your insurance policies view count as instructor. It should do, and they may even be better than some instructors for off-piste skiing but insurance companies are not very flexible on their specific interpretation of their policies.

Have a great holiday what ever you're able to do.

This is a good point, many insurance sellers simply don't understand that a Mountain Guide is way more qualified for the environment than a ski instructor, once the marked pistes are left behind.

Always read the very smallest print on any policy. Insurers are in business to make money.

I reckon Direct Travel will offer enough cover for nitty's husband skiing in Europe.