UKC

It has always struck me that I am over-insured when I go away with my family, but I climb. I have a family holiday cover which covers 'trekking', but then have taken out the BMC for me whilst I climb.
I have mailed the BMC, and they do not provide just Rescue cover.
Anyone aware if this is available?

In reply to JohnnyW:

http://aacuk.org.uk/

In reply to JohnnyW:


It is unlikely that the family holiday cover would payout for any costs associated with a climbing accident. Check the policy wording very carefully.

In reply to Bob kate bob: +1. Used it before. In anger. It works, its cheap and it gives hut discount

In reply to RCC:

Believe me, I do - That's why I am asking the question.
I took a fall in the Dolomites, whilst BMC covered. Repatriation and medical cover is all well and good, but only for you, not any of the family, as they were on a differnt policy.
Covering the whole family on a BMC policy is very expensive, especially given that they are not doing anything hilly. So you take out a family travel policy, and end up double-covered.

I'll have a look at the AAC. Thought about it before, but went for the BMC

In reply to JohnnyW:



I doubt you would be double covered. If you have a fall, and you are covered by a rescue only policy, then your repatriation/ medical costs would not be covered by your family policy (because it was a climbing accident). Neither would your family's repatriation/ incidental costs for the same reason.


I know that I have always gone with the BMC family policy in that situation for exactly those reasons.

In reply to JohnnyW:
Done - Bargain, given it covers you all year. Can't understand why I didn't do it before.

In reply to JohnnyW: No brainer innit. Means you can flash your card when you go to huts with the family and most likely get a family discount if you smile pretty

In reply to JohnnyW:
the limits on AAC are a bit on the low side (but probably good enough!) but on the plus side its a very simply worded policy without a million loop holes.

In reply to CurlyStevo: agree its on the low side if you want search and rescue but if you can tell the chopper where you are, AAC should be fine (I use it). Pretty sure the helicopter rescue in france is free but medical treatment won't be. I wasn't charged for a chopper trip out of the vallee blanche last year and this has been confirmed by others.

In reply to paulmck:
Snowcard allow you to have medical and rescue without the baggage etc cover (which is usually covered on house insurance)
They also do partner etc discounts

In reply to marmot hunter:

I bet house insurance won't cover your gear if it gets blown into a crevasse by the downdraught from a rescue helicopter

In reply to JohnnyW: I know it been said, but AAC. That's what I'm doing this year. BMC has just become too expensive.

In reply to David Barratt: Also, Got a 15% discount with AAC in Cotswolds today, you get this with BMC as well but still.

In reply to timjones:
Never tried but it has paid out for a few bike accidents and losses like that.
BMC insurance is way too expensive! About twice that of Snowcard for us two.

In reply to David Barratt:

Cotswold would give a discount if you showed them a rusty old Dennis the Menace Fan Club badge

In reply to timjones: You do not lie, sir.

In reply to David Barratt:

no bmc is 10% (or it was last time I went in!)

In reply to CurlyStevo: Must've been a while ago, it's now 15%.

In reply to bradzy_c:
ahh yes my bad they increased it in September....