Dogtag insurance!!!

Inland paddling
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steveparry
Posts: 428
Joined: Mon Aug 09, 2004 3:17 pm
Location: South Island, New Zealand

Dogtag insurance!!!

Post by steveparry »

I just had an email from dogtag insurance clarifying that when they say (under their sport+ and extreme insurance packages) 'whitewater canoeing and rafting at grade 3 (sport+ level) and grade 4+ (extreme level)', they do actually mean canoeing and rafting only. Kayaking is only covered up to grade 2 under the sport level package. Beware!
Steve

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waverley610
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Location: The Copthorne hundred

blackwater rafting!

Post by waverley610 »

I just paid £39 to upgrade my annual holiday insurance with Heath Lambert but only got cover WW kayak upto Grade 3 (supervised)
which apparantly is also good for all my UK rivers too.

But now I also have cover for among others:

Black water rafting grades 4-5 (supervised)
White water rafting grades 4-5 (supervised)
Hunting on foot, animal, or machine!

But excluding:

Kayaking WW G4+
Canoeing WW G4+
Black water rafting G6+
Whitewater rafting G6+

Pardon my ignorance but what exactly is Black water rafting and how is it graded?

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ol
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Post by ol »

underground rafting (Google search)

Blanko
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Post by Blanko »

I was also looking at dogtag for a trip this summer and given your warning I called them to check the situation.

When they reviewed last years claims it turns out that there was a huge number from kayakers, but the usual from people canoeing and rafting so this year they don't cover kayaking.

Snowcard and STA are still covering kayaking at the higher grades depentdant on policy taken.

Bob

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Simon Westgarth
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Post by Simon Westgarth »

For the best insurance package out there go BMC, they have an excellent policy with none of the odd conditions others may have. If you only paddle a little overseas Snowcard may be a cheaper and still very good option

davedundee

bmc policy

Post by davedundee »

Should be noted though that the BMC Trek policy does not cover sports equipment whilst in use - so if you're looking for cover for your boat this may not be the policy for you

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huggy
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Post by huggy »

what grade do dogtag cover with the exteme level? I guessing only 3

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Poke
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Re: bmc policy

Post by Poke »

davedundee wrote:Should be noted though that the BMC Trek policy does not cover sports equipment whilst in use - so if you're looking for cover for your boat this may not be the policy for you
Don't know where you got this from. I've just been on the phone to them and kayaking equipment is covered up to the £350 single item limit, for a total of £1500 of claims..

Note that this is for loss.. I'm not sure about breakage, but i don't think its covered, but i don't think anyone covers for that now (not even snowcard)..
Uniyaker - Uni expeditions
Team Pyranha - My adventures

davedundee

bmc insurance

Post by davedundee »

<a href="trips/Easter2005/Thumbnails.htm">

<font face="Arial" size="2">Easter Trip</font>
</a>







section 5

1.What is not covered

(I) Breakage of or damage to sports equipment whilst it is being used.

(This does not include ski, mountaineering, climbing, camping or scuba

diving equipment.)





I'm pretty sure the NW Brown policy does cover this, it used to. Thats what you pay £30 extra for the part B bit. I'll double check their small print when I get their policy through.



Dave

davedundee

Sorry

Post by davedundee »

Totally fluffed the link to the BMC insurance policy in the above post

Heres the link:

http://www.thebmc.co.uk/insurance/pdf/policy.pdf

Guest

Re: bmc policy

Post by Guest »

Poke wrote: Note that this is for loss.. I'm not sure about breakage, but i don't think its covered, but i don't think anyone covers for that now (not even snowcard)..
davedundee wrote:1.What is not covered
(i) Breakage of or damage to sports equipment whilst it is being used.
(This does not include ski, mountaineering, climbing, camping or scuba
diving equipment.)
Confirming my suspicions.. thanks.. :-)

My original point still stands that LOSS whilst in use IS covered..

No idea about NW Brown, but snowcard used to cover this, but now don't...

davedundee

small print

Post by davedundee »

What happens if it gets broken whilst it's lost, but then gets found and returned to you?

Poke'

Re: bmc policy

Post by Poke' »

Poke wrote:My original point still stands that LOSS whilst in use IS covered..
B******s, they wait to take my money, THEN tell me that the boats are not actually covered for breakage OR LOSS whilst in use.

Only whilst "in transit", or stolen from from "locked accomodation".

Andy Wilson
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Re: bmc policy

Post by Andy Wilson »

Poke' wrote:
B******s, they wait to take my money, THEN tell me that the boats are not actually covered for breakage OR LOSS whilst in use.

Only whilst "in transit", or stolen from from "locked accomodation".
My boat has this same level of cover on my house insurance and costs me £6 each year!

Andy

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lozbrown
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Post by lozbrown »

is there anyone that covers boats for breakage whilst in use????

davedundee

boat breakage cover

Post by davedundee »

my understanding is that NW Brown do - but check with them to your own satisfaction before parting with any spondoolicks

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