I'm looking to arrange insurance for a trip to the Alps this summer - mountaineering, climbing etc.
In previous years I've gone down the route of purchasing a bog-standard travel insurance and topping it up for adventurous rescue/repatriation/medical with AAC membership. However, I was caught out last year when my Jetboil was damaged while in transit on a flight back from a backpacking trip to Iceland. Easyjet said the conditions of carriage meant they were not liable, and directed me to my 'bog-standard' insurance. However, the insurer (Post Office), refused to pay out as the stove did not fall under their definition of possessions: ('Clothes & footwear, Luggage, Cosmetics & toiletries , Fine jewellery & watches, Electrical items & photographic equipment, Buggies, Strollers & Car seats, Laptops, Eyewear).
It appears that this problem is common to most insurers - and therefore outdoor gear (be that climbing gear, helmets, tents, stoves etc) are rarely covered against theft/damage on insurance. This year I purchased Ski Club GB insurance (which provides possessions cover for 'winter sports equipment', but even this wouldn't cover most summer hiking/trekking/climbing equipment).
So it appears this is the big issue with the common 'AAC + standard' approach to Alpine insurance. Is anyone aware of any 'standard' insurers that will cover a wider range of 'sports equipment', or is an all-in-one BMC style policy the only way to go here?
Post edited at 12:52