Category: Winter Sports Insurance

Ski Club Travel Insurance Review

Ski Club Travel Insurance Review

The Ski Club of Great Britain has been looking after their members for over one hundred years. With over 28,000 members, Membership entitles you to discounts on equipment, holidays, access to weather reports, expert advice, a copy of the Ski Club Magazine, Group holidays and a 15% discount off ski club travel insurance.

Dog Sledding

The Ski Club Travel Insurance Review

The Ski Club Travel Insurance has been around for a number of years. Designed around winter sports and currently underwritten by Travel Insurance Facilities.

You can choose to insure yourself for a single trip or if you plan on more than one holiday during the year, an annual multi trip policy.

Each policy has three levels of cover designed to meet most requirements, Silver, Gold and Diamond. The Silver policy has only minimal levels of cover, so the sensible choice would be the Gold or Diamond options.

In addition to the normal sections of cover, Medical expenses, cancellation, missed departure, baggage and baggage delay etc, as you would expect the the Gold and Diamond policies are geared towards winter sports.

  1. Cover if you are unable to use your pre-paid daily ski pack.
  2. Cover for physiotherapy treatment on your return home.
  3. Cover for loss or damage to Helmets, Skis, Snowboard Bindings, Poles, Gloves, Boots, Goggles and Ski Clothing.
  4. The hire of ski equipment, if yours is delayed for more than 12 hours, or lost or damaged.
  5. Cover for a lost or stolen ski lift pass.
  6. Cover against hijack or mugging.
  7. Compensation, if you are unable to ski due to an avalanche or lack of snow.

The annual policy allows you to ski for up to 45 days per year, but only up to 24 days per individual trip, which can be limiting if you plan on skiing for the whole season.

All the Ski Club policies, automatically cover 253 different sporting activities, including Big Foot Skiing, Blade Skating, Cat Skiing, Cross Country/Nordic Skiing/Boarding, Dry Slope Skiing/Boarding, Glacier Walking, Glacier Skiing/Boarding, Walking (up to 3,000m), Hill/Mountain & Winter Walking (up to 3,000m within ski resort and on marked paths/tracks), Husky Dog Sledding, Ice Climbing (up to 1,000m), Ice Skating, Indoor Skating/Boarding, Mountaineering up to 1,000m, Murren Inferno, Passenger Sledge, Walking, Rock Climbing (up to 1,000m), Rock Scrambling (up to 1,000m), Ski Boarding, Ski Dooing, Ski/Board Randonee, Ski/Snow Biking, Ski/Snow Blading, Skiing/Snowboarding, Skiing/Boarding – Off Piste With or Without a Guide, Skiing/Boarding Backcountry, Skiing/Boarding – Heliskiing, Skiing/Boarding -Touring, Skiing/Boarding Mono, Sledging/Tobogganing, Sleigh riding (reindeer, horses or dogs, Snow Bobbing, Snow Mobiling, Snow Parascending, Snow Scooting, Snow Tubing, Snowcat Driving,Telemarking, Toboganning/Sledging.

All of the above activities are covered on a non-professional and non-competitive basis. Some of the activities are underlined. This is because you are not covered for Personal Liability or Accidental Death and Disability, when you take part in them (check the policy booklet for more information)

Participation in ski or snowboard races is not covered except for casual, recreational activities which do not require registration, for example a short race at the end of ski school lessons. An exception to this is the “Murren Inferno”

You are also covered for Downhill Only Club (DHO) Club races and the AICC races. Activity Pack 6 covers amateur ski or snowboard racing, but only provided you are not racing for money/sponsorship or FIS points.

Positives

Includes additional cover for ski equipment over and above the standard baggage allowance, something that many insurers do not do

You can insure up to ten persons on one policy, great if you are skiing as a group.

Easy to obtain a quote and the information is well laid out, making your choice much simpler

Off Piste skiing and snowboarding without a guide covered as standard.

A 15% discount of you are a Ski Club Great Britain Member.

bikini wintersports

Negatives

The annual policy only covering a maximum of 24 days per trip, although you are able to insure longer trips with a single trip policy.

Conclusion

The Gold and Diamond policies are definately worth looking at. They provide good levels of standard cover, as well as being designed for the winter sports enthusiast. The vast majority of holidaymakers will find the Ski Club policies cover all the activities they will ever need, without the need to contact the Insurance Company.

For more details contact Ski Club of Great Britain.

British Mountaineering Council Travel Insurance

british mountaineering council travel insuranceThe British Mountaineering Council Travel Insurance was adopted as a result of feedback from BMC members. It felt that a standard travel policy would not meet their members needs and who better to understand the requirements than the BMC themselves. Hence BMC travel insurance was born.

This is a travel insurance scheme “Built for the mountains”. Split into five different categories Travel, Trek, Rock, Alpine and Ski and High Altitude and Remote.

Travel

As the name suggests this is for BMC individual members and their families, who want to benefit from BMC travel insurance, but who are not planning to take part in any kind of sporting activity. It is a short term policy and covers anywhere in the world apart from the USA, Canada, Caribbean and Polar regions.

Trek

A travel policy that covers basic hill walking and trekking up to a maximum height of 5000 metres. Activities include mountain walking in the UK and non technical ascents of easy trekking routes which don’t require the use of any climbing equipment. This policy can cover you anywhere in the world for a single trip, or if you plan on more than one trip, an annual policy which covers multiple vacations of up to 45, 60 or 90 days at a time.

Rock

As the name suggests a policy designed to cover you for Bouldering, rock climbing and graded scrambling up to a maximum height of 5000 metres. Includes cover for abseiling. A policy for those who love to climb but who don’t venture above 5000 metres.

Skiing and Alpine

For those who want to take part in Recreational skiing activities including: on-piste, off-piste (with or without a guide), cross-country/Nordic/Langlauf, dry slope/indoor slope, backcountry/ski touring, downhill, telemark, big-foot Skiing, mono-skiing, heli/cat skiing, glacier skiing and ski mountaineering. Snowboarding is automatically covered in European destinations, but will require payment of an additional premium to cover worldwide destinations. (Competitive winter sport activities are not covered).

snow-winter-sport-weather-snowboard-extreme-sport

This policy is also for those who want to climb European Peaks up to 6500 metres, and go trekking at heights of over 5000 metres.

High Altitude and Remote

Covers pretty much everything else “All Mountaineering and climbing activities including: climbs and expeditions to remote and inaccessible regions and difficult or extreme high-altitude peaks anywhere in the world. This includes the high mountains of Asia and South America and the mountains of the Arctic and Antarctic.”

If its not covered and provided Insurers agree, it can be added to this policy subject to payment of an additional premium.

All policies cover emergency medical expenses up to £10,000,000 including search and rescue expenses up to £100,000. Cancellation up to £5,000 and baggage up to £2500 with a £500 single article limit.

Points of Interest

You must be a member of the British Mountaineering Council, or mountaineering council or Scotland or Ireland, or the family of a member, to be able to take out a policy.

Policies are underwritten by Antares Syndicate 1274 Lloyds of London.

Positives

The group of policies have clearly been designed with the BMW members in mind and cover many different activities which aren’t always covered by a standard travel insurance policy.

Negatives

Frustrating that you have to do an individual quote for each policy. For example if you wanted to see the difference between the travel and the trek policies, you would need to go back and put the same information in twice to be able to compare.

The £95 excess is high compared to other policies.

You would have to join the British Mountaineering Council which currently costs £33.95 (or £16.97 if you join by direct debit)

Travel Insurance Review Conclusion

A group of policies with good levels of cover, that are flexible enough to insure a wide range of trekking, mountaineering and winter sport activities.