Can anyone settle an argument, ? 6 of us are going to morzine in 3 weeks, 5 of us are probably getting dog tag insurance , one of the lads pays £85 a year for saga insurance and claims hes covered with that as it says it covers mountain biking and designated trails, we are trying to explain to him what we are doing is Classed as extreme downhill mountain biking but hes not having it.
We think hes 100% wrong and that it won't cover him. Hopefully no one will have an accident anyway.
Can't offer a definitive answer but my insurance I get from my bank account has a similar inclusion, "Mountain biking on designated trails".
I wasn't convinced this would cover me for Morzine so I have just bought single trip insurance from Yellow Jersey to cover my trip.
I guess everyone makes their own choice but it was worth it to me to make sure.
yeh im pretty sure morzine, ports Soleil is all classed as downhill mountain biking and not normal mountain biking which to me would be trail centres like hamsterley, whinlatter, Kielder , trails like that.
I use Dogtag and they email me every month with a discount code. Currently it's 'may25' or similar.
I'd bet your mates Saga insurance wouldn't cover a helicopter ride from a lift accessed trail.
yeh I'm going to use dogtag and we also said the same thing that saga defo wouldn't cover a helicopter.
We use Yellow Jersey. We knew we had cover.
It's not worth the risk as its expensive
We’ve just gone with DogTag for this year. Even got the 2 e-bikes covered for the holiday as well.
So I'll be going full fat insurance as biking everyday. My son will be there for a longer period but only biking a couple of mornings at most. So normal holiday insurance £15 Vs £65 for inc mtb. Can you buy insurance with the day ticket at the office that covers rescue and initial medical that adequately tops up the normal insurance for any hospital -repatriation if it's all gone v wrong?? Pretty sure you can for skiing.
As others have mentioned, it's definitely getting your mate to check that his insurance covers helicopter evacuation. PdS is a pretty vast area - yes, you could be 'lucky' and bin it right in the middle of Super Morzine, but similarly, you could also drop over an edge around the top of Pointe des Mossettes, or even just cruising around some of the PPDS route. We've used Dogtag, then Yellow Jersey more recently.
I'm off to the Alps in early August, and having been in need of medical attention whilst on a snowboarding holiday in Bulgaria a few years back, I take no chances nowadays. At the time of the Bulgarian Incident, I'd taken out a bog standard 'Compare the Meerkat' holiday insurance with added snow sports cover. Think it cost me £20 for the six days. After a week in a succession of decidedly dodgier and dodgier hospitals, I was finally rescued and flow home on a private jet. So the insurance did its job, but the worry and uncertainty of whether such a cheap policy would cover me wasn't needed at the time.
I always take out activity specific holiday insurance now. I'm going with Dogtag this year for my first ever alpine biking holiday, (been top of my bucket list for 20+ years). It's a bit stiff at £160 for the week, but I'm going to take advantage of their May25 deal and enjoy my holiday safe in the knowledge that if heaven forbids, something does go tits up, I should be well covered and well looked after.
Had similar questions last year with my insurance via my Lloyds bank account.
Can't fault Allianz to be fair, they answered my email promptly and answered my questions in bullet format to confirm coverage.
They were very clear that if I ventured off the marked trails I wouldn't be covered, so although there was no Pleney off-piste for me, it wasn't really a hardship.
I did have a rather nice off that didn't require the serious intervention, but I will say the pharmacies were woeful with what they stocked. Thankfully in the apartment opposite was a group containing a UK paramedic who had some dressings to spare.
We use Cover For You insurance which includes mountain biking (below 2500m) in their standard list of activities that are covered. We stick to the 'on-piste' riding around Morzine, Les Gets and Avoriaz.
Last time we were there my son bust his collarbone riding near the Proclou lift. Ambulance to Avoriaz hospital, x-rays, painkillers and posh sling all covered by the insurance, and they also paid out for his unused days on his liftpass (so they knew we were using those).
It's worth giving them a ring and talking through what your riding will consist of to see if they cover you.
