Bulgaria Ski discussion board
INSURANCE - IMPORTANT!
Author:
posts : 13 (Beginner)Date : 01-09-04 11:05INSURANCE - IMPORTANT!
Reading my insurance details and other policies to check I'm not being duped it seems there is a bit of a flaw. Someone correct me if im wrong but:
Despite having wintersports cover, we are still Personally Liable for any accidents we are found to cause while conducting hazardous sports / activities, i.e. skiing, snowboarding, ski-dooing etc.
Travel insurance covers your rescue and medical cover and personal liability under normal circumstances (except these sports), so if you ...
Despite having wintersports cover, we are still Personally Liable for any accidents we are found to cause while conducting hazardous sports / activities, i.e. skiing, snowboarding, ski-dooing etc.
Travel insurance covers your rescue and medical cover and personal liability under normal circumstances (except these sports), so if you ...
Reading my insurance details and other policies to check I'm not being duped it seems there is a bit of a flaw. Someone correct me if im wrong but:
Despite having wintersports cover, we are still Personally Liable for any accidents we are found to cause while conducting hazardous sports / activities, i.e. skiing, snowboarding, ski-dooing etc.
Travel insurance covers your rescue and medical cover and personal liability under normal circumstances (except these sports), so if you cause an accident the insurers don't cover you if someone else claims against you.
Its the equivalent of having fully comprehensive motor insurance, without the 3rd party bit.
Despite having wintersports cover, we are still Personally Liable for any accidents we are found to cause while conducting hazardous sports / activities, i.e. skiing, snowboarding, ski-dooing etc.
Travel insurance covers your rescue and medical cover and personal liability under normal circumstances (except these sports), so if you cause an accident the insurers don't cover you if someone else claims against you.
Its the equivalent of having fully comprehensive motor insurance, without the 3rd party bit.
re: INSURANCE - IMPORTANT!
You seem very hung up on insurance..... are you a kamakazeDazza
re: INSURANCE - IMPORTANT!
Like to know what I can and can't do
If I hadnt read it I wouldnt have known at all.
Same with car insurance. Golden rule is to always read the small print. They're cheeky blighters.
re: INSURANCE - IMPORTANT!
Some insurances will not cover anyone suing you! usually if you get a cut price or down version of it!re: INSURANCE - IMPORTANT!
Normally with travel insurance you buy the standard holiday cover and then a premium to cover wintersports. The personal liability in the holiday bit will thaen transfer over to the wintersports supplement.example on my cover is 2million personal liability on land and on piste cause i paid the supplement
re: INSURANCE - IMPORTANT!
Quote Nev: "Normally with travel insurance you buy the standard holiday cover and then a premium to cover wintersports. The personal liability in the holiday bit will thaen transfer over to the wintersports supplement.
example on my cover is 2million personal liability on land and on piste cause i paid the supplement "
Who's this with mate? Check your policy wording. I've checked my policy and the one linked through this site (boardsure.com Superplus, the best cover available) ...
example on my cover is 2million personal liability on land and on piste cause i paid the supplement "
Who's this with mate? Check your policy wording. I've checked my policy and the one linked through this site (boardsure.com Superplus, the best cover available) ...
Quote Nev: "Normally with travel insurance you buy the standard holiday cover and then a premium to cover wintersports. The personal liability in the holiday bit will thaen transfer over to the wintersports supplement.
example on my cover is 2million personal liability on land and on piste cause i paid the supplement "
Who's this with mate? Check your policy wording. I've checked my policy and the one linked through this site (boardsure.com Superplus, the best cover available) and they're the same. Its up to £2m personal liability but in the policy wording beyond your benefits page it says:
"Section I - Personal Liability
The underwriter will pay for your legal liability inclusive of all associated legal fees and cost, in total up to the amount shown in the Schedule of Benefits, for any event which relates to an incident caused by you during the trip or one way trip, which results in:
* injury, illness or disease to another person
* loss or damage to property which does not belong to you or any member of your family and is not in your or a member of your family’s custody or control
The underwriter will not pay for the following in addition to the general exclusions, in connection with claims made under Section I:
* the excess as shown in the Schedule of Benefits
* claims arising directly or indirectly from, happening through or in consequence of:
* contractual liability, employers liability, or liability to a member of your family, your travelling companions family or to your travelling companion; or
* animals belonging to you, or in your care, custody or control; or
* wilful, malicious or unlawful acts or the use of firearms; or
* the pursuit of trade, business or profession; or
* ownership or occupation of land or buildings; or
* the influence of intoxicating liquor or drugs
* claims arising directly or indirectly from, happening through or in consequence of ownership, possession or use of any vehicle, automobile, aircraft, watercraft, or any mechanically propelled conveyance
* claims for legal fees and costs resulting from any criminal proceedings
* any personal liability claim, which arises directly or indirectly, as a result of you participating in a Category 2 - 4 hazardous sport or leisure activity.
And this is with the snowsports cover included. That basically means they'll pay your medical bills for snowboarding and stuff only.
example on my cover is 2million personal liability on land and on piste cause i paid the supplement "
Who's this with mate? Check your policy wording. I've checked my policy and the one linked through this site (boardsure.com Superplus, the best cover available) and they're the same. Its up to £2m personal liability but in the policy wording beyond your benefits page it says:
"Section I - Personal Liability
The underwriter will pay for your legal liability inclusive of all associated legal fees and cost, in total up to the amount shown in the Schedule of Benefits, for any event which relates to an incident caused by you during the trip or one way trip, which results in:
* injury, illness or disease to another person
* loss or damage to property which does not belong to you or any member of your family and is not in your or a member of your family’s custody or control
The underwriter will not pay for the following in addition to the general exclusions, in connection with claims made under Section I:
* the excess as shown in the Schedule of Benefits
* claims arising directly or indirectly from, happening through or in consequence of:
* contractual liability, employers liability, or liability to a member of your family, your travelling companions family or to your travelling companion; or
* animals belonging to you, or in your care, custody or control; or
* wilful, malicious or unlawful acts or the use of firearms; or
* the pursuit of trade, business or profession; or
* ownership or occupation of land or buildings; or
* the influence of intoxicating liquor or drugs
* claims arising directly or indirectly from, happening through or in consequence of ownership, possession or use of any vehicle, automobile, aircraft, watercraft, or any mechanically propelled conveyance
* claims for legal fees and costs resulting from any criminal proceedings
* any personal liability claim, which arises directly or indirectly, as a result of you participating in a Category 2 - 4 hazardous sport or leisure activity.
And this is with the snowsports cover included. That basically means they'll pay your medical bills for snowboarding and stuff only.
re: INSURANCE - IMPORTANT!
its true. I think its fortis £31.50 for 10 days. its comprehensive. snowmobiles included.I work for financial advisors with general company attached. Bought it from them. Asked them the question and was told slopes liability the same as normal liability.
Who was yours with. maybe they know them
re: INSURANCE - IMPORTANT!
the personal liability also covers accidents if i burn down someones house by mistake and other such eventualitys, not just people you knowre: INSURANCE - IMPORTANT!
ignore that last one, i read your policy wrongre: INSURANCE - IMPORTANT!
Nev - I'm with http://www.1stoptravelinsurance.co.uk
They do it online hence so cheap but I found its got pretty good compensation amounts compared to other high street and online travel policies at lower cost.
Plus I have paid a couple more pounds to waive any excess should I make a claim.
Only downside like I say is this personal liability for the hazardous sports...also its invalid if a member of your family or your travelling companion make a claim against you... but I think ...
They do it online hence so cheap but I found its got pretty good compensation amounts compared to other high street and online travel policies at lower cost.
Plus I have paid a couple more pounds to waive any excess should I make a claim.
Only downside like I say is this personal liability for the hazardous sports...also its invalid if a member of your family or your travelling companion make a claim against you... but I think ...
Nev - I'm with http://www.1stoptravelinsurance.co.uk
They do it online hence so cheap but I found its got pretty good compensation amounts compared to other high street and online travel policies at lower cost.
Plus I have paid a couple more pounds to waive any excess should I make a claim.
Only downside like I say is this personal liability for the hazardous sports...also its invalid if a member of your family or your travelling companion make a claim against you... but I think this is standard stuff to stop people abusing the system.
Would be interesting if you could find out if I'm interpretting this wrong. In any case, the policy cost me £53 for a week and covers 2 people with no excess.
They do it online hence so cheap but I found its got pretty good compensation amounts compared to other high street and online travel policies at lower cost.
Plus I have paid a couple more pounds to waive any excess should I make a claim.
Only downside like I say is this personal liability for the hazardous sports...also its invalid if a member of your family or your travelling companion make a claim against you... but I think this is standard stuff to stop people abusing the system.
Would be interesting if you could find out if I'm interpretting this wrong. In any case, the policy cost me £53 for a week and covers 2 people with no excess.
