Usually go with Snowcard, but the have increased the level needed for biking in the Alps from level 3 last year to level 4 this year. Which means that the cost has gone up by a big chunk.
Only after medical - not bothered about personal belongings etc.
So i'm looking for alternatives - Who do you use?
Cheers
sta travel, i have i think the gold policy yearly because i travel quite alot, covers most sports (including mountain biking and climbing). never had to claim so no experience of that.
are you sure? I think that DH is 4 and mtb (general) is 2.
dogtag
When I took out mountain biking cover for the TMB with Snowcard last year they said if you were using ski-lifts to access trails then you needed DH cover even if you were just trail riding. The lifts weren't open when I went so I got them, relunctantly, to sell me level 2 cover but afterwards it did leave me wondering whether I had adequate cover should anything go wrong at altitude. Best err on the side of caution.
what would you call the riding in Les Arcs?
When you are using an extensive lift system, and spend all day coming downhill in a full face helmet on runs in the forest and on ski runs.
Just because your on a trail bike rather than a dh bike. I would say that you are doing a downhill holiday.
Do people think otherwise. I would of thought the insurance companies would think its downhill if you tried to claim.
I can confirm that Alps riding with Snowcard is level 4. I had a similar query and asked them directly. Tell me about the cost! I went with Snowcard in the end though. I just did not want to find myself with no cover/payout in the event of needing to claim. Some of the cheaper policies seemed to really ramp up the excess IME so be warned would be my advice.
Ours - Direct Travel - doesn't include "riding on vertical tracks".
tomthumbdownhill is riding downhill courses not goat tracks imo
unfortunately it's snowcard's opinion that counts, not yours
Get the right level of cover fer chrissakes
Just checked DogTag - half the price of Snowcard.
They will be getting my business this year.
We used Direct Travel for a recent skiing trip, nearly £50 cheaper than Direct Line for the same cover. Wouldn't know about MTB cover tho', sorry
That is kind of where I was coming from. Yes I though that what I would be doing was covered under "mountain biking" on level 2 but as you say it does not really care what I think when they are the ones who are paying..
Any reason for the insurer not to pay out will be explored for sure.
Snowcard quote was £50, DogTag was £30. But anyone know what level i would need on DogTag? out of Sport, sport+ and Extreme?
Just going to the Alpes d Huez region for a week - on a trail bike.
I use dogtags, they have a number of different levels of cover - of which the alps should be covered 
Anyone had to use dogtag or direct travel in anger?
I am aware of direct travel being super cheap but despite ringing twice last year I have little idea what is meant by "vertical paths".
was going to use snowcard but after realising the price dogtag is looking like the way to go!
Go travel insurance level 2 (have to phone them)
Won't be using lifts (I'm sad and like to bike uphill!) but riding in Les Arcs.
£18.96 
I used snowcard level 3 last year at deux alpes, dislocated elbow and cracked radial head, had to pay up front but got claim forms sent out and within 3 weeks had cheque in hand, good service I thought
insure and go...
unfortunately it's snowcard's opinion that counts, not yoursGet the right level of cover fer chrissakes
i don't want to bang on but i'm sure that advertising cover for tracks or downhill is massively misleading, if i'm not covered for riding tracks.
I am riding tracks on an xc bike.
downhill is a specific part of mtb and well defined, you are on a DH track on a DH bike, neither of which i will be.
If i find that i am riding downhill i will be somewhat surprised!
I use OeAV (Austrian Alpine Club UK branch), £41 covers me for 1 year for climbing, mountaineering and MTB - Search and Rescue, helicopter costs, medical treatment and repratriation, liability and legal costs.
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