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Monium
05-01-2013, 12:38 PM
Holiday and travel insurance is something that comes up quite frequently, and so I thought I'd do a bit of an overview for those TDFers who need insurance but aren't sure what to look for / can't be arsed to read the policy details.

This is written in Jan 2013. I suggest that others update the thread with other company's policies as they look at them, and we have an occasional pruning of the thread to keep it up to date and vaguely usable and useful. If it does prove useful to others, maybe a tame mod would be kind enough to make it a sticky :)

I have looked at the following companies:

- Dogtag
- Snowcard
- Westfield
- BSAC
- Essential travel

I've chosen these because chez Monium we tend to do a few ski trips as well as some holiday diving and I know that TDFers can be an adventurous bunch, so I've not looked at bog standard "I've lost my suitcase" type policies, but have looked at ones that cover 'risky' sports and generally daft stuff that people may fancy doing on holiday.

I am also confining what I am looking at to <b>travel</b> insurance, rather than specialist diving insurance. By its nature, travel insurance tends to focus more on the leisure rather than specialist activities, so I have not looked at whether things like cave diving are covered (unless it's become obvious very quickly) because that is the kind of thing that specialist DAN or similar cover is probably required for instead of / in addition to travel insurance. That said, quite a few of the companies below cover all manner of weird and wonderful sports.

For info, I have looked at annual multi trip policies for Europe. The cover levels can be assumed to be the same for each company whether it is single or multi trip or which geographical area/s is/are covered.


DOGTAG

Sports Travel Insurance Quote - Get quotes for single trip, annual multi-trip and ski travel insurance from Dogtag (http://www.dogtag.co.uk)

Dogtag has essentially 9 different options. It has three different Sport levels (Sport, Sport Plus and Extreme) and three cover levels (Base, Pro and Max)

Scuba diving is covered to 30m at Sport level, to 50m at Extreme. Solo scuba is classed as excluded from cover. I can't see freediving on the list of sports (but someone else may be able to: Sports Travel Insurance Quote - Get quotes for single trip, annual multi-trip and ski travel insurance from Dogtag (http://www.dogtag.co.uk/sports.aspx)).

Skiing is covered under the Sport category, but the Winter Sports uplift is needed for the cover. Off piste is included as long as it's not against local advice (which is excluded).

Just in case anyone fancies it, it also covers Storm Chasing... :rolleyes:


The levels of cover give the following:

Base
Up to: 500 cancellation
500 delay
200 personal possessions
3million medical
2million personal liability
No winter sports in the base level
No business cover on Base level


Pro

Up to:
1500 cancellation
500 missed departure
25/day delayed luggage
1000 personal possessions
5million medical
2million personal liability
Winter sports cover including delayed equipment, avalanche and piste closure.
Business cover inc money, busines equipment and computer equipment and "replacement business associate" cover.
Enhanced diving cover inc loss of diving days, delayed equpment and 1000 single article equipment limit



Max

Up to:
5000 cancellation
1000 missed departure
50/day delayed luggage
2000 personal possessions
10 million medical
2 million personal liability
Winter sports cover same as Pro but with 2k equipment cover rather than 1k
Business cover same as Pro but with more for the 'replacement business associate' thing.
Enhanced diving cover inc loss of diving days, delayed equpment and 2500 single article equipment limit


Generally, Dogtag seems to give a very good level of cover for the policy price.


WESTFIELD
Westfield Sub Aqua and Marine Insurance for Divers (http://www.divinginsuranceuk.com/)

Key cover:

5 million personal injury
3000 cancellation
500 delay
2 million personal liability
2500 max each person baggage and/or equipment, limit of 2k on any one item
17 days' winter sports cover included, with piste closure, avalanche cover. Note that it does NOT cover Europe trips between 1 May - 30 November.
http://www.divinginsuranceuk.com/annual%20travel.htm is an overview.
Business cover can be added from 67.50, not sure what it covers.

Cave diving not covered under standard policy. Diving is covered to depth of qualifications and MUST be diving within the "standard safety reccommendations" of your agency.

Can't see mention of off-piste winter sports.

Price-wise, they seem to be a bit more expensive than the mid-range Dogtag cover.


BSAC
Used to have a deal with Travel4Scuba. This no longer appears to be the case. Huh.

They have a note saying the use P J Hayman now, but they do not have an online quote thing.

SNOWCARD
Ski and Snowboard insurance, climbing insurance and travel insurance for activity holidays (http://www.snowcard.co.uk/)

Don't be fooled by the name, they cover lots of sports including pretty decent diving cover.

All policies have:

10 MILLION: Emergency medical and other expenses cover
Including repatriation to the United Kingdom
UP TO 500: Physiotherapy and dental treatment cover
UP TO 250: Early return home benefit
UP TO 250: Car hire return benefit
UP TO 100,000: Search & Rescue expenses
UP TO 300: Ski/Dive/Golf/ activity Pack
UP TO 1000: Hospital benefit
UP TO 25,000: Personal Accident cover
UP TO 2 MILLION: Personal Liability cover

Like Dogtag, they categorise sports into risk levels. Leisure, Multi Sport Adventure, Multi Sport Max Adventure, Multi Sport Extreme Adventure and Multi Sport Expedition.

Diving to 40m is within the Adventure Level, beyond 40m is within the Max Adventure level.

You can tweak the cover you get for sports equipment, cancellations, the excess and baggage cover, making it pretty flexible.

Winter sports includes off piste cover as long as you follow local guidance.

Snowcard seem to be a bit more expensive than Westfield.


ESSENTIAL TRAVEL

I found this one through Google: Travel Insurance - Buy Cheap Holiday Insurance for UK Residents. (http://www.essentialtravel.co.uk/travelinsurance/)

It has a similar set up to both Snowcard and Dogtag in that you can choose a level of sports cover - the higher levels include more advanced diving and winter sports cover. They seem quite competitive on price, and has business cover as an option.

They have different levels of financial cover: Standard, Essential, Essential Plus, and Superior. On balance, though it is cheaper this does not offer as good a cover as other policies but could be ok if you want to take a punt.

Cancellation cover is comparable to other policies (none on Standard through to 5k on Superior).
Medical also comparable: 2.5 million through to 10 million.
Baggage comparable, but single item limit is pretty poor compared to others: 300 max on the Superior level.
Personal liability also worse. 500k on standard through to 2 million at Superior.
Winter sports cover is ok.
Business cover is less than other policies.

Generally quite a lot cheaper than others, but with correspondingly less cover.




There will be other policies and companies out there, but I haven't looked at all of them. If you have, please post details on the thread.

Happy holidaying!
Amy.

Woz
08-01-2013, 01:39 PM
Thank you that's saved me a whole pile of work.

Monium
08-01-2013, 07:34 PM
Thank you that's saved me a whole pile of work.

No worries. You can buy me a beer when we come to see our rugby team beating yours ;)

Baz
10-02-2013, 07:02 PM
Just wondered if anyone had any recommendations for just diving and travel insurance? Annual or Single for a couple.

50m max
Egypt
15 days.
Equipment in transit and in use.

Edward3c
10-02-2013, 08:53 PM
...
BSAC
Used to have a deal with Travel4Scuba. This no longer appears to be the case. Huh.

They have a note saying the use P J Hayman now, but they do not have an online quote thing.

...

Just for clarity it isn't BSAC saying use Hayman, but Perkins Slade Ltd the provider of Travel4Scuba.

Edward

MikeF
10-02-2013, 09:16 PM
I currently use Divemaster insurance and have an annual family policy with worldwide cover. My wife was treated by a doctor in egypt recently. I got back, rang them up and discussed the claim procedure, sent them the receipt and a covering letter and got a cheque a few days later. First time I have ever claimed on holiday insurance and it was absolutely painless.

I have had annual policies with dogtag and essential travel in the past but the small print in the T&C's got a bit diver unfriendly for me. I switched to divemaster a couple of years ago which covers off piste snowboarding and dive insurance as well. it seems reasonable and doesn't appear to have any daft depth restrictions. I cover my equipment on the house insurance.

mike

Monium
10-02-2013, 10:18 PM
Just wondered if anyone had any recommendations for just diving and travel insurance? Annual or Single for a couple.

50m max
Egypt
15 days.
Equipment in transit and in use.

You could start with having a look at some of the providers in the OP :)

Baz
11-02-2013, 04:41 PM
You could start with having a look at some of the providers in the OP :)

I could and have but most are geared towards winter sports cover which is irrelevant to us. (I doubt if I could ever afford another expensive hobby)

We usually use TGIC but as we are now looking at dives beyond recreational depths and their policies are no longer diver focused we have to look elsewhere.

It resurrected your thread anyway, so hopefully will be of more help to more people. :grin: