Insurance - BMC Claim

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ianletton
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Insurance - BMC Claim

Post by ianletton » Thu Dec 01, 2011 10:33 am

Hi all

Recently back from Kenya and whilst I was there I got into a fight on two occasions. Once with a rock, the other with a tree.

I lost both.

A damaged boat and lost paddles.

Anyway, safe in the thoughts of "It's of the insurance will cover that" I welded the boat up and got the spare paddles out.

Arrived home, put in a claim to the BMC (who I thought were very comprehensive and seem to have been given good praise on here and other sites) to hopefully get some cover paid out.
However, according to them, BMC insurance does not cover, and I quote:

"Loss, theft or damage to water-craft and their ancillary equipment."

It's in the small print however like usual, I didn't read it.

If anyone has any thoughts on a way around this, please let me know.

Otherwise it's a lesson learned.

Cheers

Ian

P.s. Full HD Kenya 2011 movie should be hitting the big screens in the next week or so.
P.p.s Anyone got a set of paddles for sale...?
IanLetton

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steve1rc
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Re: Insurance - BMC Claim

Post by steve1rc » Thu Dec 01, 2011 7:44 pm

I'm afraid I can't comment on them (I'm with Dog Tag) but I've always been recommended to go with them for being very helpful, and a more reasonable price limit on kayaking equipment? Maybe there's different degrees of insurance, I know with Dog Tag I had to get the 'Extreme, all inclusive' etc one to cover it.
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Re: Insurance - BMC Claim

Post by djhops » Sat Dec 31, 2011 5:46 pm

With regards to them not covering 'Loss, theft or damage to water-craft and their ancillary equipment' that seems a bit harsh, but as always if they put it in the small print there's no way they'll pay any claim.

I actually own a boat so have had boat insurance with a company Mercia Marine for about 6 years now. They're UK based a have always been spot on with me but the reason I raise this is that just recently they sent me a letter trying to sell me travel insurance also. I'm not interested in buying this from them myself right now so can't say how good their policy is but surely being a boat insurance company they must provide anything boating related that you did on your travels?! So if you're going again or if anyone else if reading this perhaps give them a call http://www.merciamarine.co.uk, I'm not vouching for them (make up your own mind!) but they were honest and efficient enough when I had to make a claim once so worth a try.

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Re: Insurance - BMC Claim

Post by Steve B » Sun Jan 01, 2012 2:22 pm

The golden rule seems to be to make sure your travel insurance specifically lists kayaking as being covered. This is both for the dangerous activities side of things, and to ensure that your gear is treated as sports equipment and not a "boat" in the more usual sense.

Also, do check your house contents insurance if you have any. The kayak will probably be excluded as it will fall into their definition of a boat, but you might find that the paddles are covered. I once claimed for lost paddles and found my travel and house policies both covered them. They actually shared the loss and paid half each.
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john smith
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Re: Insurance - BMC Claim

Post by john smith » Sun Jan 01, 2012 2:54 pm

steve1rc wrote:(I'm with Dog Tag)
So was I until one of our group broke his collarbone out in France and couldn't drive home.

They were very unhelpful and refused to repatriate him, even when someone offered to drive his car if they would pay the £30 insurance premium.

I will not be using them again.

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Re: Insurance - BMC Claim

Post by Andy H » Sun Jan 01, 2012 4:38 pm

Ian have you tried ringing your house insurance they can somtimes cover you for lost items

Also some people have travel insurance through thier bank account or car insurance as well but sometimes not aware they have it.

Cheers
Andy
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Re: Insurance - BMC Claim

Post by Dave Manby » Thu Jan 05, 2012 4:27 pm

Not the first time BMC have been trouble. Insure and go are refusing to pay for our robbery in Georgia saying that they don't cover theft from unattended vehicle. I claim that sleeping next to it -less than a metre from it is "attended" - we will see.

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Re: Insurance - BMC Claim

Post by Poke » Thu Jan 05, 2012 4:35 pm

Most insurance companies that I've found nowadays will not cover "Sporting equipment whilst in use".

Snowcard used to ('till ~2004), and now don't.

The number of people that break/lose boats on boating trips (bearing in mind that weekends away are usually covered on annual policies if you've got some pre-booked accomodation) means that premiums would shoot up* if they continued to cover this.

*way more than they already have, anyway.
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James T
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Re: Insurance - BMC Claim

Post by James T » Thu Jan 05, 2012 4:41 pm

PS Sports/Travel paid out for the boat and contents I carelessly left in a Cave on the Verdon this summer.
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Re: Insurance - BMC Claim

Post by Chris Bolton » Thu Jan 05, 2012 7:54 pm

Dave Manby wrote:I claim that sleeping next to it -less than a metre from it is "attended" - we will see.
Snowcard clarify that point (in the user's favour). The Snowcard policy says:

"It should be noted that a car parked next to a tent in which you are sleeping is not deemed unattended."


Chris

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Re: Insurance - BMC Claim

Post by Steve B » Fri Jan 06, 2012 10:54 am

Poke wrote:Most insurance companies that I've found nowadays will not cover "Sporting equipment whilst in use".
That's right - it's intended to exclude things like breaking a squash racket which is fair enough since that is a normal occurrence. It's wear and tear, not accidental damage.

To be honest, breaking or losing paddles and boats is pretty normal too, above a certain level. I think we're lucky we can get insurance at all.
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ianletton
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Re: Insurance - BMC Claim

Post by ianletton » Fri Jan 06, 2012 11:12 am

Andy H wrote:Ian have you tried ringing your house insurance they can somtimes cover you for lost items
Andy, thanks for the suggestion.

I did try this but because it took so long for BMC to get back to me I was outside of the 30 day claim window that is on my house insurance policy which is annoying because I there seemed to be a better chance of them paying out.

Anyway, you live and learn.

Top tip: avoid trees and rocks at all costs!

Happy Paddling

Ian
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Ben Bedingham
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Re: Insurance - BMC Claim

Post by Ben Bedingham » Sat Jan 07, 2012 6:00 pm

I feel I should defend BMC slightly here; they are good when it counts. I recently had to rely on them for a helicopter rescue in Nepal, air ambulance (private jet) Kathmandu to Delhi, 1 month in a private hospital there and repatriation to the UK. I estimate the overall bill is in the region of £40k. They were quick to authorise the chopper, showed genuine concern for my condition, organising the air ambulance when things weren't going so well and even paid for a member of my family to fly out to Delhi to keep me company for my month in hospital. All I had to pay is £100 excess.

One point of note, this incident reminded me of the importance of having good contacts back in town. My helicopter was organised in around 90 mins by GRG kayaking in Kathmandu (Thanks!) relying on the insurance company to do this themselves would have taken much longer.

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Re: Insurance - BMC Claim

Post by Mark R » Sat Jan 07, 2012 6:08 pm

One of the two staff handling insurance at the BMC is a paddler... http://www.amazon.co.uk/Jim-Krawiecki/e ... r_dp_pel_1
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Re: Insurance - BMC Claim

Post by Tom*S » Sat Jan 07, 2012 7:00 pm

I am also going to big up the BMC, especially in foreign locations. When booking insurance for the Tzarap/Zanskar I specifically gave them a call to explain where I would be and ascertain whether they would be able to help me. Within three days I had a written reply explaining that they would be able to cover me in the region and on the rivers I would be paddling. This really gave me a lot of reassurance throughout the trip. I can understand the frustration over kit but when you are in a foriegn location and something goes wrong, your boat insurance will pale into insignificance. Probably not very helpful in your situation, but if you are planning on a foreign escapade into remote areas, then I wouldnt hesitate on choosing the BMC.

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callwild
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Re: Insurance - BMC Claim

Post by callwild » Sun Jan 08, 2012 5:58 pm

For as long as I can remember travel insurance has excluded loss or damage to boats unless specifically sought.
To take out insurance with a mountaineering specialist, not check the small print, go boating and then moan when loss of boats isn't covered seems naive at best.

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Re: Insurance - BMC Claim

Post by clarky999 » Sun Jan 08, 2012 8:10 pm

Dogtag happily paid out for my broken boat/lost paddles in Austria this summer - although the max amount per item was only £100 as I had the cheap option. Oops.

I've only had to claim once from the BMC, and that was for stolen skis - but they were very quick to get the money to me, no quibbles, and I use them as my main insurer (not many will insure offpiste skiing without a guide these days).

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Re: Insurance - BMC Claim

Post by Jim » Mon Jan 09, 2012 10:52 pm

I agree with Stuart, almost all "extreme" sports travel cover is for medevac and medical costs. Many offer an upgrade to cover stuff like your kit, or the price of your flights if you are delayed (I don't get that, usually when I go on holiday an extra day here or there is not critical, I have often spent one waiting for a boat to turn up - obviously GC is a bit different because the launch date is set in stone). You get what you pay for, and those of us with old knackered boats are more than happy to be able to select a cheap insurance that only covers the basic essentials - medical & rescue. Always check what an insurance policy covers.

I am on the verge of a rant about people who are 'mis-sold' payment protection plans, idiots the lot of them - it is non-compulsory so if you don't want it don't take it. No time for people who sign contracts and then wriggle out of them later due to some bizarre change in the law. (Sorry Ian, that has nothing to do with your question)

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Re: Insurance - BMC Claim

Post by chrissydawkins » Mon Jan 23, 2012 2:01 pm

I have to agree with Ben about BMC. We were involved in organising the chopper rescue for him in Nepal and BMC were great.
A helicopter will not take off in Nepal unless they have guarenteed payment or permission from the insurer, we phoned BMC and they immediatley agreed to the helicopter. With other insurers we have dealt with they have gotten back to us after some time wasting valuable time.
After the helicopter they paid for the best hospital in KTM and kept in contact at all times to make sure everything was fine. It was the first time I have dealt with BMC and would happily work with them again.

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