This topic has been archived, and won't accept reply postings.
Following on from the thread I did about theft from hire cars on The Costa Blanca, who doesnt or does take out insurance for climbing trips?
1. Why
2. Who with?
3. Is theft of gear from car covered?
4. if you dont why not?
I just want to advise guests a bit more and then maybe recommend certain companies or a way to cover using credit card etc.
Ta Sam Orange House
1. Why
2. Who with?
3. Is theft of gear from car covered?
4. if you dont why not?
I just want to advise guests a bit more and then maybe recommend certain companies or a way to cover using credit card etc.
Ta Sam Orange House
In reply to Sam Mayfield:
I do with my Bank, Nationwide.
I don't recommend BMC - they refused to honour theft from a hire car.
I do with my Bank, Nationwide.
I don't recommend BMC - they refused to honour theft from a hire car.
In reply to Trangia:
Really? They paid out 4 years ago when my camera was stolen after a break in from our hire car at the Carrefour in Finestrat. (yes, another! )
> I don't recommend BMC - they refused to honour theft from a hire car.
Really? They paid out 4 years ago when my camera was stolen after a break in from our hire car at the Carrefour in Finestrat. (yes, another! )
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In reply to Sam Mayfield:
Going without insurance is absolute madness. Read somewhere about a guy getting hit by a car in France and the family set up a just giving page to pay for his medical flight home, something like £15000. Yes medical treatment in Europe is covered by the E111 card (and i think this is possibly going to still stand post Brexit) but repatriation is not covered.
Lost count of the amount of money i paid out throughout the 90's backpacking round the world but would have been worth it had i needed emergency medical treatment or a flight home.
I have a friend who broke both his ankles taking a ground fall when a hold broke in Spain and he got 1st class back to Oz thanks to travel insurance.
Chris
Going without insurance is absolute madness. Read somewhere about a guy getting hit by a car in France and the family set up a just giving page to pay for his medical flight home, something like £15000. Yes medical treatment in Europe is covered by the E111 card (and i think this is possibly going to still stand post Brexit) but repatriation is not covered.
Lost count of the amount of money i paid out throughout the 90's backpacking round the world but would have been worth it had i needed emergency medical treatment or a flight home.
I have a friend who broke both his ankles taking a ground fall when a hold broke in Spain and he got 1st class back to Oz thanks to travel insurance.
Chris
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In reply to redbullxtremer:
I will check them out right now too!
It would be good to have a few options on website then people can shop around!
Ta Sam
I will check them out right now too!
It would be good to have a few options on website then people can shop around!
Ta Sam
In reply to Sam Mayfield:
We just have a family annual policy with winter / mountain sports add on from Virgin Insurance. They were a pain when making a claim for additional flights due to family bereavement, but paid up in the end. No real complaints.
We just have a family annual policy with winter / mountain sports add on from Virgin Insurance. They were a pain when making a claim for additional flights due to family bereavement, but paid up in the end. No real complaints.
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In reply to Sam Mayfield:
We have an annual policy with First Direct which is world-wide and happily covers me for several chronic illnesses which most companies would charge me a small fortune for.
I also top us up with membership of the Austrian Alpine Club for those rescue type of events that sometimes ordinary travel ins doesn't cover.
We have an annual policy with First Direct which is world-wide and happily covers me for several chronic illnesses which most companies would charge me a small fortune for.
I also top us up with membership of the Austrian Alpine Club for those rescue type of events that sometimes ordinary travel ins doesn't cover.
Post edited at 11:46
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In reply to Sam Mayfield:
For general holiday insurance I've found the Post Office pretty flexible and reasonable.
For general holiday insurance I've found the Post Office pretty flexible and reasonable.
2
In reply to Sam Mayfield:
Happy to risk not covering possessions, they are covered by house insurance so do I want/need to pay for better cover when abroad than I have at home?
Depending on the holiday also happy to not have cancellation (eg just losing cost of the channel crossing for a trip camping in europe). But for hotel based holidays where there is significant upfront cost, would book insurance as soon as the holiday is confirmed so cancellation was covered.
As others have said medical and repatriation are non-negotiable. A&E is not the place to be worrying about it you can afford an X-ray or CT scan. Also too many stories of families crowd funding because their loved one who didn't have insurance is stranded abroad clocking up yet more hospital charges.
IMVHO medical and repatriation cover is as much a part of the cost of the holiday as your flights and beer money, so if you can't afford it don't go on the trip.
Happy to risk not covering possessions, they are covered by house insurance so do I want/need to pay for better cover when abroad than I have at home?
Depending on the holiday also happy to not have cancellation (eg just losing cost of the channel crossing for a trip camping in europe). But for hotel based holidays where there is significant upfront cost, would book insurance as soon as the holiday is confirmed so cancellation was covered.
As others have said medical and repatriation are non-negotiable. A&E is not the place to be worrying about it you can afford an X-ray or CT scan. Also too many stories of families crowd funding because their loved one who didn't have insurance is stranded abroad clocking up yet more hospital charges.
IMVHO medical and repatriation cover is as much a part of the cost of the holiday as your flights and beer money, so if you can't afford it don't go on the trip.
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In reply to Sam Mayfield:
I have an annual travel insurance policy which covers ski-ing but not of course rescue, medical and repatriation in the case of injury due to the "hazardous" activities I do (mainly trad and Alpine rock climbing, bit of sport climbing). I have a variety of methods of covering this on top of basic travel insurance depending where I'm going:
Europe - am a member of Austrian Alpine Club and therefore have their exceptionally inexpensive insurance cover. I reckon this plus EHIC covers me adequately.
"Not quite Europe" (e.g. Morocco, Jordan) - I buy the Austrian Alpine Club single trip top-up insurance for €500,000 medical cover. Similarly inexpensive at only €25.00 for up to 17 days
USA - I buy Sportscover Direct top-up insurance for £2,000,000 medical cover.
Being over 70 I cannot afford the age related hike from people like BMC (more than doubles cost of prenium) and more particularly Snowcard (triple and more!).
I have an annual travel insurance policy which covers ski-ing but not of course rescue, medical and repatriation in the case of injury due to the "hazardous" activities I do (mainly trad and Alpine rock climbing, bit of sport climbing). I have a variety of methods of covering this on top of basic travel insurance depending where I'm going:
Europe - am a member of Austrian Alpine Club and therefore have their exceptionally inexpensive insurance cover. I reckon this plus EHIC covers me adequately.
"Not quite Europe" (e.g. Morocco, Jordan) - I buy the Austrian Alpine Club single trip top-up insurance for €500,000 medical cover. Similarly inexpensive at only €25.00 for up to 17 days
USA - I buy Sportscover Direct top-up insurance for £2,000,000 medical cover.
Being over 70 I cannot afford the age related hike from people like BMC (more than doubles cost of prenium) and more particularly Snowcard (triple and more!).
Post edited at 12:21
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Friend of a friend was repatriated from Greece after a leg injury. He no longer fitted in an airline seat so a private jet was chartered. Anyone want to pay for that out of holiday money?
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In reply to Dogwatch:
Just a question:
Why do people want to be repatriated?
Is it because they want to be in a UK hospital near family? Or is it because places like France or others will have an ongoing fee for the hospital stay that you can only claim 80% ish off via EHIC?
Otherwise, could you not just stay on in foreign care until you are well enough to travel home via normal means? Some have argued that the foreign treatment could be better than NHS.
Just a question:
Why do people want to be repatriated?
Is it because they want to be in a UK hospital near family? Or is it because places like France or others will have an ongoing fee for the hospital stay that you can only claim 80% ish off via EHIC?
Otherwise, could you not just stay on in foreign care until you are well enough to travel home via normal means? Some have argued that the foreign treatment could be better than NHS.
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In reply to BruceM:
Your assumption seems to be that once out of hospital you can travel home on a normal plane. That would not have been the case in the instance I was talking about. So your mates have long since gone home, your family is in the UK and you are going to recuperate for months where exactly?
Your assumption seems to be that once out of hospital you can travel home on a normal plane. That would not have been the case in the instance I was talking about. So your mates have long since gone home, your family is in the UK and you are going to recuperate for months where exactly?
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In reply to Sam Mayfield:
1 - I don't want to have an eye-watering bill/lose my house if something goes wrong. People often forget it also covers you in case something happens before you go and you can't go, e.g. if you break a leg.
2 - I've used Voyager insurance for most trips I've done, they seem to cover most things that aren't a competition and include off-piste skiing. Usually do an annual policy, as also covers holidays in the UK, as long as you've got at least one night pre-booked. Just taken out BMC insurance for a specific trip as outside Voyager's range.
3 - think theft from car is covered on the household policy
4 - madness!
One of the ski chalets I stayed at a few years ago had a story that a chap had come out for a weekend visit, didn't think he'd need travel insurance for a trip that short and then shattered his pelvis (or something similarly nasty) half-way up a tree when he lost it and shot off the side of the piste. Monumental bill.
Edit: Normally, I'd say point your guests here: http://www.moneysavingexpert.com/travel-insurance/ but do check carefully whether you're adequately covered for whatever they intend doing, such as climbing.
I'm coming round to the idea of the Austrian Alpine club plan.
1 - I don't want to have an eye-watering bill/lose my house if something goes wrong. People often forget it also covers you in case something happens before you go and you can't go, e.g. if you break a leg.
2 - I've used Voyager insurance for most trips I've done, they seem to cover most things that aren't a competition and include off-piste skiing. Usually do an annual policy, as also covers holidays in the UK, as long as you've got at least one night pre-booked. Just taken out BMC insurance for a specific trip as outside Voyager's range.
3 - think theft from car is covered on the household policy
4 - madness!
One of the ski chalets I stayed at a few years ago had a story that a chap had come out for a weekend visit, didn't think he'd need travel insurance for a trip that short and then shattered his pelvis (or something similarly nasty) half-way up a tree when he lost it and shot off the side of the piste. Monumental bill.
Edit: Normally, I'd say point your guests here: http://www.moneysavingexpert.com/travel-insurance/ but do check carefully whether you're adequately covered for whatever they intend doing, such as climbing.
I'm coming round to the idea of the Austrian Alpine club plan.
Post edited at 14:45
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In reply to Dogwatch:
Sure, can understand the need to come home for family. And the potential need for an expensive medivac.
But if you don't have any family and no other pressing need to return to the UK...
(Maybe a friend drives you back to the UK eventually.) Then I'm thinking is AAC for rescue and an EHIC, as many have talked about in the past on here, kind-of enough in a bare bones sort of way? Maybe it is foolish. Don't know? I'm sure many have this question.
> Your assumption seems to be that once out of hospital you can travel home on a normal plane. That would not have been the case in the instance I was talking about. So your mates have long since gone home, your family is in the UK and you are going to recuperate for months where exactly?
Sure, can understand the need to come home for family. And the potential need for an expensive medivac.
But if you don't have any family and no other pressing need to return to the UK...
(Maybe a friend drives you back to the UK eventually.) Then I'm thinking is AAC for rescue and an EHIC, as many have talked about in the past on here, kind-of enough in a bare bones sort of way? Maybe it is foolish. Don't know? I'm sure many have this question.
4
In reply to Sam Mayfield:
1. Because you are covered when the proverbial hits the fan
2. We are members of the DAV (German Alpine Club) who will cover the whole family for climbing related accidents, rescue costs and repatriation. We also have the EHIC card and then we take out an economical travel insurance (using comparison sites) for the whole year which will cover health related costs and baggage. It's not that much and just gives you piece of mind. It can be as little as 15 quid for an individual trip or 45 pounds for the whole year for multiple trips for a family of three.
3. Yes, but it depends on the cover of the policy, I think we also have some cover through the home insurance
We always try to take great care not to leave anything visible in the car, just taking how much we really need (i.e. no expensive stuff in addition to the climbing gear) and watch our valuables as much as possible (we went on a trip with a friend who got their passports and purse etc stolen from the pram whilst getting the child seat for the car for a minute at Alicante airport)
Oh and I think this is as valid for Stanage, etc as it is for Alicante
1. Because you are covered when the proverbial hits the fan
2. We are members of the DAV (German Alpine Club) who will cover the whole family for climbing related accidents, rescue costs and repatriation. We also have the EHIC card and then we take out an economical travel insurance (using comparison sites) for the whole year which will cover health related costs and baggage. It's not that much and just gives you piece of mind. It can be as little as 15 quid for an individual trip or 45 pounds for the whole year for multiple trips for a family of three.
3. Yes, but it depends on the cover of the policy, I think we also have some cover through the home insurance
We always try to take great care not to leave anything visible in the car, just taking how much we really need (i.e. no expensive stuff in addition to the climbing gear) and watch our valuables as much as possible (we went on a trip with a friend who got their passports and purse etc stolen from the pram whilst getting the child seat for the car for a minute at Alicante airport)
Oh and I think this is as valid for Stanage, etc as it is for Alicante
Post edited at 15:15
3
In reply to BruceM:
They will discharge you from hospital when you are fit to be discharged. That does not necessarily mean that you're fit to go on a plane, or sit in a car for a long journey home from wherever it is. So you'd have to find somewhere to stay until you were able to make that journey, then book the flight or persuade someone to drive you, etc....
A couple of years ago my mum broke her pelvis skiing. It didn't need surgery, and it was in Italy where the EHIC card is valid - but that only gives you what the locals get.
The insurance covered the ambulance trip to hospital (£150), A&E & 3 nights in hospital (£2500 IIRC), hotel for someone to stay with her for 2 nights after we'd all left the country, a further night in a hotel after she was discharged from hospital, a special medi-car to the airport, three seats on the flight home, and transport from airport back home. And they organised all that, which was a significant advantage.
Unless you have that kind of ready cash, travel insurance is worthwhile.
> Sure, can understand the need to come home for family. And the potential need for an expensive medivac.
> But if you don't have any family and no other pressing need to return to the UK...
> (Maybe a friend drives you back to the UK eventually.) Then I'm thinking is AAC for rescue and an EHIC, as many have talked about in the past on here, kind-of enough in a bare bones sort of way? Maybe it is foolish. Don't know? I'm sure many have this question.
They will discharge you from hospital when you are fit to be discharged. That does not necessarily mean that you're fit to go on a plane, or sit in a car for a long journey home from wherever it is. So you'd have to find somewhere to stay until you were able to make that journey, then book the flight or persuade someone to drive you, etc....
A couple of years ago my mum broke her pelvis skiing. It didn't need surgery, and it was in Italy where the EHIC card is valid - but that only gives you what the locals get.
The insurance covered the ambulance trip to hospital (£150), A&E & 3 nights in hospital (£2500 IIRC), hotel for someone to stay with her for 2 nights after we'd all left the country, a further night in a hotel after she was discharged from hospital, a special medi-car to the airport, three seats on the flight home, and transport from airport back home. And they organised all that, which was a significant advantage.
Unless you have that kind of ready cash, travel insurance is worthwhile.
Post edited at 16:19
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In reply to Sam Mayfield:
1. I can't afford the consequences of even a 'standard' illness on holiday. My missus developed Pleurisy on holiday in Germany a couple of years ago and couldn't return as intended, and our very young daughter also had to stay with her - my missus had to see a doctor three times and 2 seats on 2 flights had to be re-booked. The insurance also sent someone to accompany them with an o2 machine. Luckily she didn't need an interpreter as well.
2. BMC or snowcard when the BMC stopped covering channel Island residents for a while.
3. Only if it's locked and out of sight I believe.
"I just want to advise guests a bit more and then maybe recommend certain companies or a way to cover using credit card etc."
Everyone has different particular requirements for travel insurance so it's going to be impossible to recommend an insurer. A company that denies a car smash and grab claim today may approve it tomorrow, and premiums will also vary.
You'd be best to find out the cost of various treatments your punters are likely to require in local hospitals so people can make an informed decision. In my opinion people who fail to take out suitable travel insurance then expect the public to contribute to a crowdfunded appeal are a bunch of dicks.
1. I can't afford the consequences of even a 'standard' illness on holiday. My missus developed Pleurisy on holiday in Germany a couple of years ago and couldn't return as intended, and our very young daughter also had to stay with her - my missus had to see a doctor three times and 2 seats on 2 flights had to be re-booked. The insurance also sent someone to accompany them with an o2 machine. Luckily she didn't need an interpreter as well.
2. BMC or snowcard when the BMC stopped covering channel Island residents for a while.
3. Only if it's locked and out of sight I believe.
"I just want to advise guests a bit more and then maybe recommend certain companies or a way to cover using credit card etc."
Everyone has different particular requirements for travel insurance so it's going to be impossible to recommend an insurer. A company that denies a car smash and grab claim today may approve it tomorrow, and premiums will also vary.
You'd be best to find out the cost of various treatments your punters are likely to require in local hospitals so people can make an informed decision. In my opinion people who fail to take out suitable travel insurance then expect the public to contribute to a crowdfunded appeal are a bunch of dicks.
Post edited at 16:57
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In reply to Sam Mayfield:
I travelled the world, well went from hostel to hostel, for a couple of years, mostly uninsured.
I do get insurance for holidays these days to cover the medical bit. Having seen a couple of climbing accidents, this now seems prudent.
I don't expect insurance to cover any theft from cars, I can't get insurance for the contents of my van in the UK, why would I in another country?
Ehic cards do not give you full care!
I've never had to claim on travel insurance, have no idea who's good or not.
I travelled the world, well went from hostel to hostel, for a couple of years, mostly uninsured.
I do get insurance for holidays these days to cover the medical bit. Having seen a couple of climbing accidents, this now seems prudent.
I don't expect insurance to cover any theft from cars, I can't get insurance for the contents of my van in the UK, why would I in another country?
Ehic cards do not give you full care!
I've never had to claim on travel insurance, have no idea who's good or not.
3
In reply to Sam Mayfield:
Hi Sam, I'd be wary of 'advising' guests on any sort of insurance without the necessary quals / due diligence / procedures. Could put you in a sticky spot. Best to word it as 'We've anecdotally heard good things about X'. Advice implies something more concrete and something which may leave you open to legal issues.
I may be being a little over sensitive, but it pays to be a bit cautious!
> Following on from the thread I did about theft from hire cars on The Costa Blanca, who doesnt or does take out insurance for climbing trips?
> I just want to advise guests a bit more and then maybe recommend certain companies or a way to cover using credit card etc.
> Ta Sam Orange House
Hi Sam, I'd be wary of 'advising' guests on any sort of insurance without the necessary quals / due diligence / procedures. Could put you in a sticky spot. Best to word it as 'We've anecdotally heard good things about X'. Advice implies something more concrete and something which may leave you open to legal issues.
I may be being a little over sensitive, but it pays to be a bit cautious!
Post edited at 17:37
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In reply to bouldery bits:
Yeh I might just link to a few sites like travelsupermarket and word it as a STRONG suggestion and list some things that people might want to make sure is covered etc.
Thanks everyone certainly made me think about insurance for myself when I move around Europe.
Sam Orange
Yeh I might just link to a few sites like travelsupermarket and word it as a STRONG suggestion and list some things that people might want to make sure is covered etc.
Thanks everyone certainly made me think about insurance for myself when I move around Europe.
Sam Orange
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1
In reply to Sam Mayfield:
Another good piece of advice for British customers is that even if they do have insurance they should still get the EHIC so they can claim (limited) free treatment, also to check that it is still in date. Plus a link to the government site where they can apply free as some sites try to charge you silly money to fill in the application form on your behalf.
I know several insurance companies which will waive the medical excess if you have an EHIC and reduce the cost of treatment by using it, so a good incentive to apply.
Another good piece of advice for British customers is that even if they do have insurance they should still get the EHIC so they can claim (limited) free treatment, also to check that it is still in date. Plus a link to the government site where they can apply free as some sites try to charge you silly money to fill in the application form on your behalf.
I know several insurance companies which will waive the medical excess if you have an EHIC and reduce the cost of treatment by using it, so a good incentive to apply.
3
In reply to Becky E:
Thanks also for this and the other posts about the related discussion of the value of AAC (or other club insurance for rescue) and the EHIC. Very useful.
If you have AAC/club membership it seems ridiculous to pay for Snowcard or BMC as well since you have the big ticket of the rescue costs (hopefully) covered..
So like others, we often (but not always) get another standard travel insurance to back up the other stuff. For Costa, we always do.
But I often wonder whether that scheme would really work when needed, because if you make a big claim off the standard insurer for a health/accident issue unrelated to the adventuring, and they find out you have been mountaineering or climbing at some other point on the trip -- it all may be invalidated anyway.
I wonder what people who live on continent who belong to their local AAC or DAV or CAF do when they travel to Spain or other EU countries... do they take out specialist additional insurance? Or just standard travel insurance as Heike suggests, and we have also done.
Thanks also for this and the other posts about the related discussion of the value of AAC (or other club insurance for rescue) and the EHIC. Very useful.
If you have AAC/club membership it seems ridiculous to pay for Snowcard or BMC as well since you have the big ticket of the rescue costs (hopefully) covered..
So like others, we often (but not always) get another standard travel insurance to back up the other stuff. For Costa, we always do.
But I often wonder whether that scheme would really work when needed, because if you make a big claim off the standard insurer for a health/accident issue unrelated to the adventuring, and they find out you have been mountaineering or climbing at some other point on the trip -- it all may be invalidated anyway.
I wonder what people who live on continent who belong to their local AAC or DAV or CAF do when they travel to Spain or other EU countries... do they take out specialist additional insurance? Or just standard travel insurance as Heike suggests, and we have also done.
In reply to Trangia:
The Nationwide travel insurance doesn't cover you for 'dangerous activities' as standard and while you can add certain activities like skiing, they don't cover rock climbing so I'd be very careful if that's the only insurance you have while climbing abroad.
The Nationwide travel insurance doesn't cover you for 'dangerous activities' as standard and while you can add certain activities like skiing, they don't cover rock climbing so I'd be very careful if that's the only insurance you have while climbing abroad.
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In reply to SuperLee1985:
Thanks, but I also belong to the AAC.
> The Nationwide travel insurance doesn't cover you for 'dangerous activities' as standard and while you can add certain activities like skiing, they don't cover rock climbing so I'd be very careful if that's the only insurance you have while climbing abroad.
Thanks, but I also belong to the AAC.
In reply to Sam Mayfield:
The cost of paying for some medical treatment and recovery is huge.
AAC and cheap travel policy/ on my gf policy she gets through work.
Don't know, assume so and would check. Also would emphasise that we do all the sensible stuff like not leaving valuables in car (or taking them on holiday,) leave glove boxes and parcel shelf out so peeps can see there is nothing to steal.
I do, but don't mind delay and don't take expensive kit, so think it'd just be medical cover for me.
The recommendation to include a link to the govt EHIC card is good, easy to think you have to pay for it.
> 1. Why
The cost of paying for some medical treatment and recovery is huge.
> 2. Who with?
AAC and cheap travel policy/ on my gf policy she gets through work.
> 3. Is theft of gear from car covered?
Don't know, assume so and would check. Also would emphasise that we do all the sensible stuff like not leaving valuables in car (or taking them on holiday,) leave glove boxes and parcel shelf out so peeps can see there is nothing to steal.
> 4. if you dont why not?
I do, but don't mind delay and don't take expensive kit, so think it'd just be medical cover for me.
> I just want to advise guests a bit more and then maybe recommend certain companies or a way to cover using credit card etc.
The recommendation to include a link to the govt EHIC card is good, easy to think you have to pay for it.
1
In reply to BruceM:
The reason the AAC medical cover is so low (and the DAV zero as far as I can remember) is that normally the scheme we are in generally covers us anyway. My medical insurance in Germany gives me unlimited worldwide cover including rescue, repatriation or whatever and private medical treatment, not the "basic" treatment usual in Europe.
You probably don´ t want to know what it costs though!
The cheapest "all the bells and whistles" travel/medical insurance for Germans is throught the ADAC (our answer to the AA).
Stuff nicked from my hire car is covered by my household policy but I can´ t say I worry much, anyone´ s welcome to my shabby clothing and I dump half of it before the return flight anyway, nobody would want my climbing gear!
> I wonder what people who live on continent who belong to their local AAC or DAV or CAF do when they travel to Spain or other EU countries... do they take out specialist additional insurance? Or just standard travel insurance as Heike suggests, and we have also done.
The reason the AAC medical cover is so low (and the DAV zero as far as I can remember) is that normally the scheme we are in generally covers us anyway. My medical insurance in Germany gives me unlimited worldwide cover including rescue, repatriation or whatever and private medical treatment, not the "basic" treatment usual in Europe.
You probably don´ t want to know what it costs though!
The cheapest "all the bells and whistles" travel/medical insurance for Germans is throught the ADAC (our answer to the AA).
Stuff nicked from my hire car is covered by my household policy but I can´ t say I worry much, anyone´ s welcome to my shabby clothing and I dump half of it before the return flight anyway, nobody would want my climbing gear!
In reply to jimtitt:
Ah ha. Thanks Jim, that explains a lot. I guess we floating-islanders had just try and find an additional travel insurance to supplement the AAC/EHIC that is as generous as poss.
As for clothing...I don't want my 1990's holey bases layers and fleeces nicked. You can't replace some of that!
Ah ha. Thanks Jim, that explains a lot. I guess we floating-islanders had just try and find an additional travel insurance to supplement the AAC/EHIC that is as generous as poss.
As for clothing...I don't want my 1990's holey bases layers and fleeces nicked. You can't replace some of that!
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In reply to redbullxtremer:
We use insureandgo as they cover a wide range of more out of the ordinary outdoor activities that other firms don’t necessarily do. Pretty good value to boot.
Fortunately, not had to claim with them, but it’s always good to know you’re insured when you’re away.
We use insureandgo as they cover a wide range of more out of the ordinary outdoor activities that other firms don’t necessarily do. Pretty good value to boot.
Fortunately, not had to claim with them, but it’s always good to know you’re insured when you’re away.
In reply to Sam Mayfield:
I don't take out insurance for sport climbing trips in the EU. E111 covers the main hospital bills and I can afford an emergency flight home because of all the money I've saved over the years. Something like 50 trips and never claimed anything. I do tend to go to safe places from theft. If you assume the insurance company makes 50% profit, I'm careful with my equipment say 50% more than others, and various others things, then I'm paying out a lot of money for little risk. So for the same reason the government and all its organisations never has insurance, I don't. I'm being totally serious - it's not worth it for me.
I don't take out insurance for sport climbing trips in the EU. E111 covers the main hospital bills and I can afford an emergency flight home because of all the money I've saved over the years. Something like 50 trips and never claimed anything. I do tend to go to safe places from theft. If you assume the insurance company makes 50% profit, I'm careful with my equipment say 50% more than others, and various others things, then I'm paying out a lot of money for little risk. So for the same reason the government and all its organisations never has insurance, I don't. I'm being totally serious - it's not worth it for me.
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