Author Topic: BCA Expedition Insurance, How's it working?  (Read 1386 times)

Offline badger

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Re: BCA Expedition Insurance, How's it working?
« Reply #25 on: February 04, 2020, 08:22:06 pm »
Darren not coming PSM as already committed to Matienzo 60th celebrations both running approx the same time. And sorry if I sound like a double glazing salesman, not what I was attempting.

Offline alastairgott

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Re: BCA Expedition Insurance, How's it working?
« Reply #26 on: February 04, 2020, 10:43:52 pm »
I'm aware of one person that may have had to claim on it, but I have not got around to asking them how the paperwork went.
 Loss of equipment rather than injury so probably slightly different.


One other thing I was told at the weekend prior to the OP, is that as Badger says about over 65's this policy doesn't preclude people by age. And for those people who are approaching the otherwise "uninsurable" age of 75  :shrug: , the suggestion was to build up a rapport with the BCA insurer, so when you reach the magic age  ::) The insurer knows you as a named caver of several years without accident or injury.


 Or at least this was the gist I got while I was probably still merry at breakfast on Sunday morning. :blink:

Online darren

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Re: BCA Expedition Insurance, How's it working?
« Reply #27 on: February 05, 2020, 08:20:49 am »
How do the insurance companies arrange the rescue/repatriation?

Last time Snowcard did this I believe Snowcard booked flights at short notice (extra legroom) and arranged hospital car from airport. They might have special department for this sort of thing.

I can't imagine BCA Insurance is big enough to have a specialist department.

Does this just get subcontracted? By one, both or all companies that do this sort of insurance. Are we paying different amounts for the work to be subcontracted to the same end company?
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Online maxb727

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Re: BCA Expedition Insurance, How's it working?
« Reply #28 on: February 05, 2020, 08:42:35 am »
One thing to note with Snowcard is that the insurance company is just a front name and that the underwriter does change and currently my claim with Snowcard has been a lot harder than a previous one I had.

Id imagine BCA underwriter is of similar size given the information about them above and would have processes in place to sort repatriation either in house or as a reimbursement.

I’m sure this is all obvious information for some but worth noting for others.


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Online darren

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Re: BCA Expedition Insurance, How's it working?
« Reply #29 on: February 05, 2020, 08:56:22 am »
Maxb727

That's interesting. I know nothing about how Insurance claims work. I had assumed smaller claims were handled directly by the front company with only larger cliams going to the underwriters.
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Online maxb727

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Re: BCA Expedition Insurance, How's it working?
« Reply #30 on: February 05, 2020, 08:59:42 am »
What my post didn’t say directly was:

Comparing previous Snowcard claims for ease of use might not be helpful when their underwriter changes as processes change too and in my experience from a hospital claim in 2013 to a theft from a car in 2019 it’s not as smooth and easy which is frustrating when the price is so much higher nowadays too.

Those in this thread that want to be antagonistic take away the helpfulness of this forum and stop others wanting to post.


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Online mikem

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Re: BCA Expedition Insurance, How's it working?
« Reply #31 on: February 05, 2020, 09:21:00 am »
& it's a bit more complicated again by the front company (BCA / Snowcard) using an insurance broker to find the underwriter. Out of the three I don't know who does what on claims, but any of them can hold it up.

I'm not sure you can compare a hospital claim to a theft, as the former is much easier to prove (provided you keep the paperwork) & often requires the company to deal with it much quicker anyway.

Offline paul

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Re: BCA Expedition Insurance, How's it working?
« Reply #32 on: February 05, 2020, 12:20:53 pm »
Also going on previous experience with an insurance claim isn't always a guarantee of future experience. For example, a few years ago a neighbour crunched the wing or my parked car after a slide in the snow. I mad a claim on my car insurance and was contacted by a third-party to arrange a hire car while my car was in for repairs. They dropped off the hire car and collected it when my car was returned after the repair work was complete. Excellent, all went smoothly.

A couple of years later, a friend reversed into my car (it was a low sports car and he didn't see it in his Land Rover Discovery). So again, with the car damages while parked, I phoned the same insurance company and made a claim as before. Again, the same third-party contacted me about a hire car while mine was in for repairs. Again they delivered and and collected it when my car had been repaired. To me it was exactly the same experience as before... except this time my insurance company said I would have to pay for the hire car (they paid for it the first time) because they didn't deal with that third-party car hire business any more. God knows how the third-party car hire business got hold of my details.

I also know of a case of someone dropping an expensive camera into the sea and getting the cost of a replacement back via his travel insurance. When his House Contents insurance came of for renewal (not with the same insurance insurance company), the premium had increased markedly. When he queried this he was told that his travel insurance company found out that his contents policy would cover the loss of the camera, so they then made a claim on his contents policy for the payment they made for the camera...
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Online royfellows

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Re: BCA Expedition Insurance, How's it working?
« Reply #33 on: February 05, 2020, 02:52:28 pm »
Not necessarily on thread, but general interest, bouncing off the last post.

Beware of your vehicle insurers referring you to a "Credit Hire" company when the other party is obviously liable.

The costs are sky hire and when you enter into the contract with them you agree to bear the cost of anything that cannot be recovered from the other drivers insurers.

Case history
My Skoda VRS was written off in Goginan by a BMW which ran into the back of it while stationary making a right turn with indicator going. Rather expect the Beamer driver playing with his phone/satnav/ whatever instead of looking where he was going.

This was on Sunday, RS was write off with me nearly killed by going over an edge with a drop the other side, taxi back home as recovery cannot now take a car back to the drivers home. Why is another story.

Monday morning on phone, insurers already knew about accident, BMW driver admitted liability, my insurers send me the dreaded credit hire agreement. Reading it, I did not like what I saw. Next email in was from Saga Claims, the Beamer.

My first question was "Are you admitting full liability" Answer "Yes"
OK, how soon can you get a hire car to me?
This afternoon

Europcars delivered a nearly new i40 Hyundai at 1500 with a full tank and agreement for 2 months!
Saga payed me current fourcourt price for the RS and reimbursed the taxi fare.

As it turned out I located a new vehicle of my liking at Northampton and there was a Europcars branch a few hundred yards away to drop the hirer.
Didn't think much of the i40, no power at all and only 42 mpg from a modern diesel.
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Online darren

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Re: BCA Expedition Insurance, How's it working?
« Reply #34 on: February 05, 2020, 03:44:10 pm »
So what I'm going to do is tell people

We know Snowcard have successfully rescued/repatriated downed cavers in the past.
We have no reason to believe that BCA Expedition Insurance will not successfully rescue/repatriate downed cavers

That is the best I can do with the information I have.
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