Travel Insurance is one of those things that, whether it’s your own fault or not, you don’t find out how good it is until it’s too late.
As I said however, I suppose it is one’s own fault for not reading the policy wording in full. But who wants to wade through a whole load of small print? And, without getting into a huge rant about insurance in general, it’s enough to say that I think the concept has grown into something that’s often almost useless. You have to have it, but you’re not really getting insurance.
Snowboard Club UK Travel Insurance with TGIC
So I started using the SCUK travel insurance. I was looking for something specific to snowboarding, not some crummy cover from someone like Go Travel. I wanted to understand the off-piste and park cover in particular. Nobody wants to hurt themselves on a kicker only to find they’re not covered for park riding.
I’d heard about DogTag insurance, and SnowCard too. In the end, I liked the simplicity of the wording with the SCUK offering. I also think that the snowboard club had collaborated with TGIC to write the wording for parts of the policy – like the off piste section – which was comforting.
And now, I need to make a claim. Two actually. One for the delayed departure and one for the injured ankle. The real result will be known when the claims are resolved in full; but seems as though it’s been something I wasn’t looking forward to doing, I thought I’d review the process of making a claim…
I got in touch with them while I was in Morzine, to get some advice about what documentation I should get to help with the claim. A couple of emails went back and forth helped me with what I needed. The guy did stress that he wasn’t part of the claims department and that I should contact them for more detail, but I didn’t fancy calling them while I was away…
The Claims Department
I called the claims department when I got home, gave them the details of what went wrong and the costs that I would like to claim back. They were helpful, knew the policy well and updated me with what I could actually claim for. They emailed me two separate claim forms and that was that.
Filling in the Forms
I needed an official letter from EasyJet providing details about the cancelled flight. They took ages to get that processed. Like five weeks or something. That was all the excuse I needed to put-off filling the forms in.
But in the end, it only took a few hours to get both claims sorted. I had a bunch of things to print, receipts to photocopy and I added some printed detail describing the injury timeline. There was one item that I considered stupid, they asked for full card details to be written on one of the forms – so they can check for alternative cover. Not in the post thanks, I called up and gave them the details over the phone.
All in all, fairly painless.
The cancelled flight claim is straight forward, I’m expecting that to sail through. The injury is a different matter. My main claim there is for 8 days of un-used lift-ticket. The evidence I have is a print out from the lift company showing lift usage, and a perscription from the doctor. I remember asking the doctor if he’d given me everything I need to claim for a sprained ankle – but after looking over the documents in detail, I think he’s given me everything I need to claim for his fees.
Anyhow, we’ll see how it pans out. I’ll be annoyed if they question the ankle injury on the grounds that it’s entirely genuine, and 200 euros doesn’t really compensate for a snowboarding holiday with no snowboarding…