Insurance cover

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feelingjustfine
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Insurance cover

Post by feelingjustfine » Sun Jan 04, 2009 10:44 pm

Hi y'all,

I'm trying to look for insurance companies that will cover me for next summer for 2 months in Falicornia, need something good incase cherry creek goes tits up or I end up on hells kitchen(in which case something will have gone desperatley wrong) and has a good reputation for dealing with claims well and so on. Wondering if there are any that come highly recomonded-I've so far seen dog tag which looks pretty good but I'm sure there must be others out there.

Many Thanks.

love chris xxx
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DanH
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Re: Insurance cover

Post by DanH » Sun Jan 04, 2009 10:48 pm

Try the BMC and SnowCard! I've used them both in the past!

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Re: Insurance cover

Post by George Mcmillan » Mon Jan 05, 2009 8:51 am

Chris,
When checking Insurance companies make sure they will cover you for the grade of water you plan to paddle. I nearly got caught out with that this year in France. That way if The Upper Cherry does go tits up for you and you do have to make a claim for any reason they can't come back to you and say. I'm sorry but our policy doesn't cover you for that grade of river your not covered blah blah blah blah smallprint.

g
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Grumpy Fisherman
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Re: Insurance cover

Post by Grumpy Fisherman » Mon Jan 05, 2009 8:52 am

NW Brown.

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Re: Insurance cover

Post by BaldockBabe » Mon Jan 05, 2009 9:33 am

STA Travel cover kayaking with what appears to be no exclusisons. I have not claimed with them since they changed backers but they were excellent before.

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feelingjustfine
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Re: Insurance cover

Post by feelingjustfine » Mon Jan 05, 2009 9:43 am

George Mcmillan wrote:Chris,
When checking Insurance companies make sure they will cover you for the grade of water you plan to paddle. I nearly got caught out with that this year in France. That way if The Upper Cherry does go tits up for you and you do have to make a claim for any reason they can't come back to you and say. I'm sorry but our policy doesn't cover you for that grade of river your not covered blah blah blah blah smallprint.

g
Thats what I'm worried about thus asking on here.
dam the dart :)

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Mark R
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Re: Insurance cover

Post by Mark R » Mon Jan 05, 2009 9:51 am

Policies usually refer to specific grades.

Upper Cherry is of course 5+/6 if you choose to knock off Cherry Bomb Gorge, and is located utterly in the sticks. I have no idea - but would be surprised - if any policies specifically state that they will cover heli-evac costs and suchlike from this sort of grade.

Kevin Francis (who incidentally turns 30 today) is your man to ask, having knocked the trip off several times.
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Solarin
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Re: Insurance cover

Post by Solarin » Mon Jan 05, 2009 9:57 am

How do the insurance companies decide what grade a river is?

Paddlers (and Guidebooks) do not always agree on this subject...
Tim

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Re: Insurance cover

Post by Mark R » Mon Jan 05, 2009 10:01 am

Tricky question - I would guess that someone handling an insurance claim would go straight to the internet.

With many famous overseas rivers, the first hit they'll get will be the site of a rafting company ... which will probably grade everything as 5 ...
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Big Henry
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Re: Insurance cover

Post by Big Henry » Mon Jan 05, 2009 2:15 pm

I've always used Snowcard, which have quite extensive lists stating which sport can be done to what level. I've only used it for scuba diving, and had to make a claim last year (after my wife of 18 hours gave me a wound needing stitches!). Quick response and payout. I supplied all receipts etc and they didn't ask anymore questions. I'll be using them again.

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Re: Insurance cover

Post by David Fairweather » Mon Jan 05, 2009 2:43 pm

The BMC insurance doesn't state a grade and they have a really good rep for dealing with situations quickly and effectively. If you are going somewhere that is miles from anywhere and would need helicopters etc... then they do like you to let them know beforehand so as it doesn't come completely out of the blue when you call up.

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Re: Insurance cover

Post by Poke » Tue Jan 06, 2009 1:04 pm

I've used and made various claims with both BMC and Snowcard and can recommend them both.

If you're looking at annual insurance (probably worth it as you are on a long trip) it used to be the case that Snowcard was slightly cheaper than BMC, but only covered a maximum trip length of one month. The maximum trip length with BMC was 3 months. I imagine this is still the case, but it's something to consider anyways.
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Re: Insurance cover

Post by DaveWortley » Tue Jan 06, 2009 1:26 pm

Mark R wrote:Tricky question - I would guess that someone handling an insurance claim would go straight to the internet.

With many famous overseas rivers, the first hit they'll get will be the site of a rafting company ... which will probably grade everything as 5 ...
By that logic we should list everything as Grade 4 ;) Then we'll be covered for everything we paddle :)

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Re: Insurance cover

Post by geyrfugl » Wed Jan 07, 2009 1:00 am

Snowcard was slightly cheaper than BMC, but only covered a maximum trip length of one month.
We have annual multi-trip Snowcard (makes sense as we have several trips aborad every year, almost all doing some outdoor activity or other), and a couple or three years ago wanted to take a six week trip to New Zealand. We phoned Snowcard at the time of renewal (which was a few months before our trip) and they said to provide the dates and they would quote for the annual trip with cover for our six week trip. If I recall correctly, it worked out slightly cheaper than just the annual cover with a one-month trip limit. I'm sure this won't always be the case, but its worth asking them to quote as it may well not be significantly more than just the normal annual cover....

Andy

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flea
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Re: Insurance cover

Post by flea » Wed Jan 07, 2009 11:12 am

http://www.travelplandirectinsurance.com/ do a cheap annual policy and cover kayaking for grade 4 and 5 (under category D), but not if it is the sole purpose of the trip. So, I'm not sure if they'd accept 'I am just a tourist - I brought my kayak with me 'just in case' I found some rivers to paddle'.

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feelingjustfine
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Re: Insurance cover

Post by feelingjustfine » Wed Jan 07, 2009 12:07 pm

Cool-cheers for all the replys peeps, some really usefull stuff there.

Chris.
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Chris W
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Re: Insurance cover

Post by Chris W » Wed Jan 07, 2009 7:29 pm

Chris, assuming kicking off this message thread wasn't just an excuse to tell us all, again, that you're going to California (!).....I've had Snowcard year round cover for years and when I did claim for a boat (in the days when they paid out for write offs on the water), a cheque landed on the door mat within a week. 'Activity Level 4' covers 'white water kayaking (on any grade within ability)...'. Simple as that. Scotland's best G5 offers a pretty good training ground- if you paddle as confidently as you post, no worries there. Cover excludes 'specialist expeditions involving pioneering exploration' which I suppose could enable them to wriggle out of paying out for claims relating to first descents. No such worries with Upper Cherry, where you'll be queuing up for the pleasure of that 11-12 mile hike in. Enjoy.

Chris.
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feelingjustfine
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Re: Insurance cover

Post by feelingjustfine » Wed Jan 07, 2009 7:38 pm

Chris W wrote: Scotland's best G5 offers a pretty good training ground- if you paddle as confidently as you post, no worries there.
I'm dyslexic;-P.

Thanks for the info Chris-looks like you guys had an amazing time last year, hopefully I'm have the same.

Cheers
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Saint Matt
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Re: Insurance cover

Post by Saint Matt » Thu Jan 08, 2009 1:50 pm

Has anyone had any experience with these people?

http://www.adrenalinetravelinsurance.co.uk/

Cheers

Matt

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Re: Insurance cover

Post by Adrian Cooper » Thu Jan 08, 2009 2:09 pm

They are underwritten by Fortis who also underwrite many of the more regularly posted companies (brokers).

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Re: Insurance cover

Post by Poke » Thu Jan 08, 2009 2:10 pm

Saint Matt wrote:Has anyone had any experience with these people?

http://www.adrenalinetravelinsurance.co.uk/
I have a policy with them, but haven't claimed, so can't really comment! Think they're quite new, so not sure if you'll find many that have claimed with them. That said, they are underwritten by Fortis (the same people as Snowcard and BMC) so should offer a similar service.
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