Expedition Insurance - Help Needed!
- Thread starter Duncan S
- Start date
Mark Wright
Active member
Benfool said:
The FFS are offering rescue insurance to non French cavers attending this years FFS Berger expedition. I think you have to join the FFS on a temporary basis, a bit like having to temporarily join the TSG for insurance purposes to have access to Peak Cavern, if not a BCA member or member of a member club.
Mark
Joel Corrigan
New member
Duncan, send me a DM if you like & I'll give you the contact details of my friend who works for ADAC so you can avoid the tricky German words on their website!
badger
Active member
concerning Dogtag, and mulu 2014,
1, yes we had to speak to the MD to get cover
2, as far as I can remember it only covered UK members only and think there was also an issue with members over 65.
so unfortunately for Duncan no use for you. would say best bets are nick Williams link as he has excellent knowledge re insurance and or Joel link
badger
1, yes we had to speak to the MD to get cover
2, as far as I can remember it only covered UK members only and think there was also an issue with members over 65.
so unfortunately for Duncan no use for you. would say best bets are nick Williams link as he has excellent knowledge re insurance and or Joel link
badger
nickwilliams
Well-known member
You would probably be better speaking to someone at the insurers rather than just e-mailing.
The problem is likely to be that insurance is a fairly highly regulated industry and the companies are not permitted to 'sell' insurance in countries other than those for which they have an operating license. Even if it's not formally a licensing problem, consumer goods/services law across the EU will make any company which normally operates under English law reluctant to put themselves in a position where they may be held to the law of any other jurisdiction.
If you can come to an agreement with the insurer that you will accept that the insurance is sold in the UK and subject to settlement under English law, you may find they will be prepared to accept a fairly broad definition of 'resident'.
But I could be wrong...
The problem is likely to be that insurance is a fairly highly regulated industry and the companies are not permitted to 'sell' insurance in countries other than those for which they have an operating license. Even if it's not formally a licensing problem, consumer goods/services law across the EU will make any company which normally operates under English law reluctant to put themselves in a position where they may be held to the law of any other jurisdiction.
If you can come to an agreement with the insurer that you will accept that the insurance is sold in the UK and subject to settlement under English law, you may find they will be prepared to accept a fairly broad definition of 'resident'.
But I could be wrong...
Rob
Well-known member
Duncan S said:
Detailed post by Georg from ADAC here:
http://ukcaving.com/board/index.php?topic=13278.msg171306#msg171306
MarkS
Moderator
Duncan S said:
"Emergency medical and associated expenses"? They specifically list sports for which rescue costs are not covered (only Arctic Expeditions and Sailing/Yachting Offshore) in their policy documents. https://www.dogtag.co.uk/media/1333/rtwdt40093_v2-interim-no-ipp.pdf
https://www.dogtag.co.uk/sports-information/mountaineering-travel-insurance/ gives info on what's covered by a policy that excludes personal accident & personal liability insurance (neither of which are related to rescue costs).
Duncan S
New member
OK - I hear you...
But how much does it take to wake a helicopter pilot out of his bed and carry you off the mountain.
Anything sub-10k isn't going to cut the mustard.
All the other categories in Dogtag have low limits of liability, so who is going to pay the bills?
Google for some horror stories about emergency teams camped at the cave entrance for a week or more, and it is evident the costs 'could' run into millions.
Dogtag isn't alone here. Most policies offer inadequate expedition rescue cover (FFS, ADAC, etc).
I have been told in rescue situations policies have paid, so using them is OK. But is it really?
I'd rather see it in black and white when taking out the policy.
I went with Snowcard because Summer 2016 they were the only available policy that hinted they might give me adequate cover for expedition rescue.
Pays yer money, etc, etc
But how much does it take to wake a helicopter pilot out of his bed and carry you off the mountain.
Anything sub-10k isn't going to cut the mustard.
All the other categories in Dogtag have low limits of liability, so who is going to pay the bills?
Google for some horror stories about emergency teams camped at the cave entrance for a week or more, and it is evident the costs 'could' run into millions.
Dogtag isn't alone here. Most policies offer inadequate expedition rescue cover (FFS, ADAC, etc).
I have been told in rescue situations policies have paid, so using them is OK. But is it really?
I'd rather see it in black and white when taking out the policy.
I went with Snowcard because Summer 2016 they were the only available policy that hinted they might give me adequate cover for expedition rescue.
Pays yer money, etc, etc
Over the Hill
New member
The Austrian Alpine Club (UK) may cover you for cave rescue in certain areas of the World if you become a UK member, a guy in Austria confirmed to me I am covered for Caving Third Party Liability in UK.
No point talking to the UK office though you really need to contact the insurers/club in Austria direct and I can attach a contact point.
Give us an update to how it went.
Stefan Milojevic
tel.: +43 (512) 238300-16 | fax.: +43 (512) 238300-15 | e-mail: milojevic@knox.co.at
No point talking to the UK office though you really need to contact the insurers/club in Austria direct and I can attach a contact point.
Give us an update to how it went.
Stefan Milojevic
tel.: +43 (512) 238300-16 | fax.: +43 (512) 238300-15 | e-mail: milojevic@knox.co.at
MarkS
Moderator
Duncan S said:
I'm still a little puzzled. Their website states that, "DOGTAG 100% Proof Travel Insurance includes search and rescue as standard and is part of your Emergency Medical and Associated Expenses", and depending on the level of cover you choose, you can be covered for between ?3,000,000 and ?10,000,000 for this (i.e. the same as Snowcard).
bazdog
Member
Isn't cave rescue in Spain free? Was going to go with Nicks link for some insurance next week in Cantabria but with a low limit and high excess as I am only doing two fairly straight forward trips. If rescue is free and health care is covered by the ehic then I'm only really covering getting back to the uk (I think?)Mark Wright said:
Over the Hill
New member
BMC paid me out years ago for missing skis after a flight into the UK with no quibble and AAC have paid for a helicopter or two for friends when needed ski touring in Austria and France. I can recommend New Zealand for no bill :-[
Was it really that long since Alan died? Tempis F*ckit.
Was it really that long since Alan died? Tempis F*ckit.
