/ Which Alpine Club?
been away on a couple of alpine trips and have never bothered with insurance etc. Started pushing my climbing recently and wouldnt mind hut discount and rescue cover etc. What options have I got and which are the best and why?
Thanks very much
BMC has always done me good though, its quite expensive, but have paid out for a claim quite well. The only downside is the reciprical rights card is really expensive.
To the OP: Austrian Alpine Club gives you the discount on accommodation as well as including rescue, repatriation and medical costs included in the membership fee. The cover is not as comprehensive as the BMC but seems to be adequate and I do know people who have made claims without any issues.
In 5 years I have never seen a hut guardian ask for a BMC reciprocal rights card. They have always accepted a regular membership card. I am a member of AAC, but my climbing partner always gets the discount as a BMC member.
Depends where you're going.
If you're in Switzerland and just want helicopter insurance Rega is by far the cheapest. Its about £12 I think and I've often booked it.
Also I've just returned from the Italian side of the Monta Rosa group and a local guide told me that helicopter rescue is free in Italy!
However if you want full accident/illness plus theft cover then go for BMC insurance. I had 12 days for £59 and sadly will now have to make a claim as I had gear nicked in the Gnifetti Hut. Grrr.
I showed my normal BMC Membership Card and got full discount at the Gnifetti and Margherita Huts. I also did last year in German and Austrian huts. Buying AAC or other club membership seems an unnecessary expense.
Good old BMC.
Does anyone know if the Adele Planchard hut does discount with a BMC card, or insist on the reciprocal rights card, please?
I am a member of the Austrian Alpine Club, they have reciprocal hut access with pretty much every other european countries alpine clubs. They also have mountain rescue and medical insurance thrown in as part of the deal and are a hell of lot cheaper then the BMC.
Will their policy pay out for theft of gear that's presumably not locked away somehow ?
AAC for me - £43.50 for annual, worldwide medical and rescue (£77 for a family of 4.)
Go for it even though you don't save any money with a card.
When comparing insurance cover, be aware that the Austrian Alpine Club (AAC) only covers up to 25,000 EUR rescue cover and 10,000 EUR medical expenses.
If it all goes wrong, especially outside Europe, then your costs could quickly go beyond that. That's why the BMC (and Snowcard) cover £100,000 search and rescue costs and £10 million medical expenses.
As a matter of interest, how many claims have the BMC dealt with where they paid out more than the AAC limits, and what sort of scenarios are these claims ?
And yes I do feel a bit 'miffed' about this. I can't really see the difference between finishing work on a Friday evening in France, driving to Verdon for example, and going back to work in France on Monday morning and flying of somewhere for a weekends. Limb
And yes I do feel a bit 'miffed' about this. I can't really see the difference between finishing work on a Friday evening in France, driving to Verdon for example, and going back to work in France on Monday morning and flying of somewhere for a weekends climbing. Why can't I have insurance?
You have a Commercial Profile on UKC. This post seems to me to be commercial and also to fall under the restrictions under 6.2.3 under UKC's Terms and Conditions, here: http://www.ukclimbing.com/general/terms.html
> 6.2.3 for any purposes connected to any business..."
And it could be that it contravenes what is said on the Commercial Profiles page, here: http://www.ukclimbing.com/forums/info/commercial.html
> What is allowed?
> You can post in any of the forums so long as you do not try to overtly promote your products or services; remember that we allow products and services to be promoted via the Premier Posts. Limited responses to question posed by other users are allowed.
Whether your post falls within these guidelines is best left to the Moderators.
In the interests of transparency, commensurate with your use of this thread, please could you reply to Jim Hamilton's and MG's questions.
Interest Disclosure: I am not and never have been a member of the AAC or used any of its commercial services; by virtue of club membership, I am a member of the BMC and have often used its (and another UK broker's) insurance services.
Switzerland is not free - neither helicopter or hospital, so beware. REGA cover in Switzerland 30 francs per year covers helicopter only.
The Austrian Alpine Club and the French Alpine clubs include insurance and maybe others do. The Swiss Alpine Club does not.
Most UK climbers I know join the Austrian Alpine Club
You CAN be charged for helicopter rescue in Italy, and I believe that the situation is more uncertain in France - you may be rescued by the GNDHM (French high mountain police) helicopter and it will be free, while if it is a private helicopter, it can be charged for. EHIC cover will generally give you hospital protection, but will not for example include repatriation expenses. Certainly French hospitals will try to present you with a bill, while French doctors will insist on it being paid there and then, i.e. they will expect you to produce a credit card. How you charge it back again afterwards is up to you.
AAC insurance is useful, as you get reciprocal rights by the cheapest way, but the amounts seem a bit low.
An important point about the EHIC card (which is a necessary, but not really adequate precaution to take), is that it is time-limited. You need to make sure that yours is up-to-date.
So, it's over 48 hours since clarification of your post was requested but none has been forthcoming.
Many people on here pay subs to the BMC. Don't you think they deserve an answer?
Well yes, exactly. I feel in the marketing of it there is a strong element of "fear factor", hence my question above, which phrased another way would be how much rescue cover is prudent within the EC (and, perhaps seperately, Switzerland)? If x thousand Austrians feel they have sufficient cover with AAC insurance that is *much* cheaper than BMC cover, is the BMC actually selling a worthwhile product for most climbers and mountaineers, or just taking commission on inflated premiums?
It's also free:
Applied for ours last month via the link above and the cards came though in around a week.
Which is a bit curious, as I recently got charged £15 for a renewal.
You were had!
"An EHIC renewal or application is entirely free of charge. However, other unofficial websites may charge you if you apply through them."
There is a similar scam for US visa-waiver applications, so I should have been aware of that hazard.
Isn't this the case with any insurance though? "Good risk" funds the "Bad risk".