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insure4less "multi stage ascent" clause


Sabu

12-Jan-2012
11:18:01 AM

That's really good to know.

davepalethorpe

12-Jan-2012
1:12:45 PM

How much have their premiums been? Is it cheaper to get the AAC insurance for climbing insurance, and then a standard travel insurance plan to cover any other mishaps?

AndyJS

12-Jan-2012
1:24:11 PM

I haven't gotten to the bit where they tell me how much it will cost - I think that's dependant on how long you intend to climb for, and where you'll be doing the climbing. My followup question to them was regarding whether you can "switch on and off" the climbing coverage, so it only covers you for the portion of your trip when you intend to climb. I assume this will be possible, but I'm asking them to tell me how much notice you need to give them to increase coverage.

I'm hoping that you can give them a few days notice that you'll be off climbing for a month, and simply pay the extra premium for the times you declare that you'll be at the rock face. Otherwise I'd imagine it would be cost prohibitive for a long (or indefinite) trip overseas.

Again, I'll let you all know what they say about this. :)


Sabu

12-Jan-2012
1:37:53 PM

On 12/01/2012 davepalethorpe wrote:
>How much have their premiums been? Is it cheaper to get the AAC insurance
>for climbing insurance, and then a standard travel insurance plan to cover
>any other mishaps?

They quoted me at 50% / 100% of the normal insurance premium for the sport / alpine plans.

Mr Poo

14-Jan-2012
1:36:33 PM

Mate I habe 3 letters for you,
BMC (www.thebmc.co.uk).

I habe used them and have made a claim. They make everything easy to understand and
to claim.

cheers

AndyJS

14-Jan-2012
3:09:24 PM

That looks really good, thanks! They really cover soloing???

Seems a lot less complicated compared to insure4less. Will depend on the cost I guess, but a more general policy (that this seems to be) appeals more to me than one where I need to declare which climbs I'll be doing with advance notice. I don't want to miss out on any spontaneous trips to the crag because I haven't given the insurance company enough notice of where I'll be going.

AndyJS

14-Jan-2012
3:54:28 PM

Hmmmm... posible problem:

Q: I live overseas. Can I buy BMC Travel Insurance?
A: No, only residents of United Kingdom, Republic of Ireland and Jersey can buy insurance from the BMC.


nmonteith

14-Jan-2012
4:04:28 PM

Yep, BMC doesn't work unless you are living in the UK. I had a British friend living in Australia for a year who still couldn't purchase their insurance, so no chance if you are an Australian living in Australia.

AndyJS

14-Jan-2012
4:05:17 PM

Boo, seems like awesome cover. :(

Doolie

21-Feb-2013
9:52:23 PM

On 12/01/2012 AndyJS wrote:
>I haven't gotten to the bit where they tell me how much it will cost -
>I think that's dependant on how long you intend to climb for, and where
>you'll be doing the climbing. My followup question to them was regarding
>whether you can "switch on and off" the climbing coverage, so it only covers
>you for the portion of your trip when you intend to climb. I assume this
>will be possible, but I'm asking them to tell me how much notice you need
>to give them to increase coverage.
>
>I'm hoping that you can give them a few days notice that you'll be off
>climbing for a month, and simply pay the extra premium for the times you
>declare that you'll be at the rock face. Otherwise I'd imagine it would
>be cost prohibitive for a long (or indefinite) trip overseas.
>
>Again, I'll let you all know what they say about this. :)

@ Andy JS.......do you recall what they said about switching on and off for climbing coverage???

Heading overseas for an extended period and wondering about climbing insurance.


JMK

22-Feb-2013
2:45:11 PM

I have had this cover before and I was away for a year. You can just specify which periods u want what type of ins. This was a couple years ago so may have changed. It was quite expensive - I think we paid about $1500 per person for a year but this included high alpine ( above 6000 m)

There are 31 messages in this topic.