- Insurance for a trip to Morzine
All off the above/comprehensive travel insurance I imagine.
I get worldwide travel insurance through my bank account with Santander, it cost £6 a month and I get free European breakdown and a few other benefits too.
Not sure what it excludes. But I’m interested in what you find out.
Does passportes de soleil in june/july class as a race or would you get away with saying its just a mass ride? I certainly won’t be trying to set any records but want to be covered.Posted 6 years agoMark NMember
A word of warning is that lift assist locations such as Morzine can be considered as downhill racing etc and therefore your standard holiday cover policy may not pay out. It may pay out but I guess that if they consider mountain biking as you riding down fire track and you have to get air lifted of the Pleney you may end up paying for it yourself.Posted 6 years agoMacgyverMember
Whilst health care might be covered under reciprical european agreements, being choppered off the mountain is not. Look at something like Snowcard as you can tinker with levels of cover for sports kit, other kit, insurance excess and so on which might help bring the price downPosted 6 years agothomthumbMember
A word of warning is that lift assist locations such as Morzine can be considered as downhill racing etc
this has been mentioned several times on forums over the years (in varioyus forms). last time i was going away it was suggested that the alps = downhill. I have it in writing from snowcard that if i was on a XC track and XC bike it was not downhill.
other insurers may vary. Best to email them and confirm – where you will be what you will be riding (bike/ track wise wise) and let them advise you of the level of cover reqd.
EDIT: used snowcard and dogtag in the past. never had to claim on either so couldn’t comment but been happy with the service provided.Posted 6 years agonickjbSubscriber
I have it in writing from snowcard that if i was on a XC track and XC bike it was not downhill.
Aren’t all the blacks/reds/blues in Morzine classified as ‘downhill’? The XC stuff is the ‘tour VTT’.
they define extreme terrain as not on a track..
Where you take off, or where you land?Posted 6 years agoMunqe-chickMember
I would not go thinking an E111 will cover you! Mr MC got stretched off Le Pleney by trumptons in 2009, speaking no French he ended up in a private French hospital having the top of his knee (tibial plateau) screwed back on … and 5 days in a nice hospital, where he got proper 3 course meals. We forked out the minimum upfront .. which was still probably £1000, and that was what the E111 covered us with!!!
2007 we also claimed from insurance as he tore ligaments in ankle crashing out Morgins way or some outer bumble PdS region, long one legged cycle back…remember you pay for EVERYTHING with French Dr/pharmacies, you have to buy your own crutches, medication, bandages and dressings. Oh and most local Dr’s can X-ray you but you still have to pay a couple of hundred quid up front for that!!!
So get insurance .. although unfortunately I cant’ recommend a company as I get it through work!! Just trying to point out importance of it as this is another long running debate. oh and mate helicoptered out of Les Gets bike park in about 2005 or the likes .. it would’ve cost him thousands ..except any accidents within the park were sponsoered and paid for by Kona..result as he had no health insurance just the E111 he would’ve been screwed!Posted 6 years agobainbrgeMember
No vote for Dogtag from me – took more than three months to settle a straightforward claim, and even then they stiffed me on the payout.
The claims handler they use are useless – no answer to voicemails or emails despite when I made it clear I was making a complaint.
Incidentally, E111 are extremely necessary as your travel insurance actually only covers the first small proportion of costs. In France I think the patient contribution is something like 20% of the total cost, the rest is free/covered by the E111. That came as a shock to this idiot who forgot to arrange an E111 in advance, and had to get the DoH to issue an emergency one before I could escape from le hospital (thanks DoH in Longbenton!).Posted 6 years agofrogstompSubscriber
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