Mountain insurance

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Justin Lawson

Mountain insurance

Postby Justin Lawson » Sat Apr 30, 2005 9:36 am

Does anyone know what the outcome of the insurance story was? It was with regards to rock climbing being covered, or not covered (cause its a dangerous sport, etc) - If someone is rescued are they made to pay a fee (assuming a helicopter is involved)? Discovery sponsored an expedition up Everest didnt they?

Jono

Postby Jono » Sat Apr 30, 2005 9:36 am

Discovery Life offers life insurance and disability cover, for climbers, alpinists and those taking part in overseas expeditions. In fact they cover pretty much any extreme activity. Very reasonable premiums too. Have a policy myself, so this ain't just employee bias. :-)

T

Postby T » Sat Apr 30, 2005 9:36 am

Altrisk (part of Hollard Life) also offers good life cover for people with high risk occupations or sporting activities. But don't think this answers your question?

Roland

Insurance

Postby Roland » Tue May 03, 2005 12:13 pm

if this refers to the fact that Discovery disallowed climbing cover, at the time of the Everest Expedition, then, as far as I can remember, Hans Scheffler wrote them letters and they changed this decision.

Jono

Postby Jono » Tue May 10, 2005 8:00 am

As far as I can recall, that was Discovery Health - medical aid cover, which overs cover within SA's borders. Discovery Life however (life insurance, disability cover, etc) has various cover options in terms of mountaineering - Mountain Walking, Roped Climbing, and International Expeditions..... and many other extreme activities normally excluded by insurers.

joshmar
Posts: 6
Joined: Thu Nov 08, 2007 4:09 pm

www.extremeinsurance.co.za

Postby joshmar » Thu Nov 08, 2007 4:13 pm

Please go to my website www.extremeinsurance.co.za

I help sportsmen with life insurance and medical aid

nosmo
Posts: 372
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Location: Under my bed

Postby nosmo » Thu Nov 08, 2007 7:20 pm

insurance salesman? know the type... :wink:

your site lists the sports you cover:
joshmar wrote: Skydiving, Base Jumping, Microlighting, Aerobatics Aviation, Underwater Diving, Helicopter Pilots, Private Pilots, Powerboat Racing, Drag Racing, Paragliding, Hang Gliding, Quad Biking, More Sports

and then you list:
joshmar wrote: - Parachuting, Sky Surfing
- Gliding, Ballooning
- Student Pilots, Airline Pilots, Charter Pilots
- Exhibition flying, Crop Dusting
- Enduro Racing, Super Bikes, Off Road Racing, Motorsport
- Modified Saloons, Hot Rods, Stock Cars, Go-Karts, Formula Vee
- Potholing, Caving, Snorkeling
- Water Ski Racing, Yacht Cruising
- Bungee Jumping, Horse Riding, Kite Surfing, Mountain Biking
- Absailing, Parasailing, Canoeing, Hunting, Rafting
- Police Reservists, Jockeys, Herpetologists, Professional Sportsmen

Now excuse me for being pedantic, but this is climbing.co.za.

joshmar
Posts: 6
Joined: Thu Nov 08, 2007 4:09 pm

whats your point?

Postby joshmar » Fri Nov 09, 2007 10:00 am

\"everybody lives by selling something\" Robert Louis Stevenson

Why you being rude? What do you mean by another salesman.

My sight shows that I help all people that are involved in activities that insurance compnaies view as extreme, with their insurance. What is wrong with that?

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OneDogClimbing
Posts: 145
Joined: Tue Jul 03, 2007 11:00 am

Postby OneDogClimbing » Fri Nov 09, 2007 10:16 am

Josh - I think the point is that if want to woe us into buying your product, at least go to the effort of listing our sport on your site

As for the insurance salesman bit - I think it was a lighthearted generalization and I agree with nosmo.

Now go list our sport (b.t.w. , w.t.f. is potholing - is it driving on certain roads?! There on here in Sunninghill that definitely qualifies.) and maybe I'll take a look.
Live fast, die young & leave a good looking corpse

joshmar
Posts: 6
Joined: Thu Nov 08, 2007 4:09 pm

correct

Postby joshmar » Fri Nov 09, 2007 10:21 am

point taken! Im not sure why it was not on....

If you look under the quote section - there is mountain climbing disciplines listed under sports....

Im sending through the request now to my webmaster

nosmo
Posts: 372
Joined: Thu Jul 13, 2006 1:34 pm
Location: Under my bed

Postby nosmo » Fri Nov 09, 2007 11:28 am

8) yeah, what OneDog said...

In any case, it looks interesting, especially the aviation bit. Will get in touch.

joshmar
Posts: 6
Joined: Thu Nov 08, 2007 4:09 pm

great

Postby joshmar » Fri Nov 09, 2007 11:32 am

thanks,,,,,, im planning to do an article mountain climbing..... maybe you guys can send me some info or the rigt people to speak to.....

ALways good idea tocheck policies if you are covered... most people are not!

marley
Posts: 62
Joined: Tue May 02, 2006 7:36 pm

Postby marley » Tue Dec 04, 2007 1:02 pm

WRT travel insurance, I had a struggle to find medical insurance to cover myself and wife while travelling and climbing abroad. None of the \"normal\" insurers wanted to cover us when they heard we are going on a climbing trip to Thailand.

It took me a couple of weeks, but I finally managed to track down Travel Insurance Consultants (TIC, 0117803411) and they cover climbers for medical and travel insurance while oversees.

It is not as cheap as travel insurance without climbing, but adds peace of mind.

stephan
Posts: 99
Joined: Thu Mar 02, 2006 6:31 pm
Location: Pretoria

Postby stephan » Tue Dec 04, 2007 1:42 pm

I got quotes for medical insurance this morning. From Fedhealth's Rates & Benefits document it says:

\"Cover for professional sports and hazardous pursuits.

Fedhealth specialises in providing appropriate healthcare cover to people who partake in professional sports and hazardous pursuits.\"


I sounds good, but I'm sure there's a catch somewhere though.. :wink:

Camp
Posts: 90
Joined: Mon Nov 19, 2007 9:13 pm

Discovery and Insurance

Postby Camp » Tue Dec 04, 2007 9:50 pm

Jono mentioned Discovery covering hazardous pursuits. (By default this must include the most hazardous activity of riding a bike on a route frequently used by taxis!). Does anybody know if climbing (and others) need to be specified or are they a part of the policy?

joshmar
Posts: 6
Joined: Thu Nov 08, 2007 4:09 pm

Disclosure

Postby joshmar » Wed Dec 05, 2007 11:48 am

You have to disclose all the sports that you do to your medical aid / hospital plan and to your life insurance company. That doesn't mean you will be charged. For more ino on non-disclosure and sports look here

http://www.extremeinsurance.co.za/non-disclosure.htm

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African Climber
Posts: 73
Joined: Wed Feb 22, 2006 2:40 pm

Postby African Climber » Wed Dec 05, 2007 4:23 pm

As joshmar stated, you need to disclose to your medical aid. I have told them that I sky-dive, climb, white water kayak and they have noted it and not raised my monthly premiums

joshmar
Posts: 6
Joined: Thu Nov 08, 2007 4:09 pm

disclosure

Postby joshmar » Wed Dec 05, 2007 4:26 pm

is that for your medical aid? or life insurane? always get a letter of proof from the companies you deal with.

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African Climber
Posts: 73
Joined: Wed Feb 22, 2006 2:40 pm

Postby African Climber » Thu Dec 06, 2007 1:09 pm

joshmar, thats just my medical-aid. My life insurance also covers me but with a slightly raised premium. I have it in writing for both.

JonoJ
Posts: 379
Joined: Mon May 23, 2005 5:30 pm
Real Name: Jonathan Joseph
Location: Cape Town

Postby JonoJ » Thu Dec 06, 2007 1:09 pm

Hello bobbejantjies!

Just managed to sneak online for the first time in a long while, and see this thread has been quite active again.

I can help find the right info for you, and get someone to meet with you if you're keen to take out a policy. Email me on jonathan.joseph@mortgagesa.za.net if you're keen for more info on hazardous pursuit cover. I'm no longer working for Discovery Life, but still have all my contacts there and at other insurers.

Let me know
- what type of climbing you do (trad, sport, toprope, aid, solo, bouldering, or mountain walking)
- what grade you climb at (believe it or not this makes a difference when being underwritten)
- how frequently you climb
- how long you've been climbing for
- where you climb (local, international, big expeditions, etc)

I will repsond with a request for any further info needed.

Cheers
Jono

JonoJ
Posts: 379
Joined: Mon May 23, 2005 5:30 pm
Real Name: Jonathan Joseph
Location: Cape Town

Re:

Postby JonoJ » Thu Dec 06, 2007 1:14 pm

stephan wrote:I got quotes for medical insurance this morning. From Fedhealth's Rates & Benefits document it says:

"Cover for professional sports and hazardous pursuits.

Fedhealth specialises in providing appropriate healthcare cover to people who partake in professional sports and hazardous pursuits."


I sounds good, but I'm sure there's a catch somewhere though.. :wink:


I wouldn't trust a company whose copywriters don't know the difference between 'partake' and 'take part'. That's almost as shocking as what comes out of SABC News presenter's mouths!

BAbycoat
Posts: 163
Joined: Thu Mar 08, 2007 12:53 pm

Postby BAbycoat » Fri Dec 07, 2007 8:54 am

@Jono
what grade you climb at ... makes a difference when being underwritten

As a matter of interest, do higher grades increase or decrease premiums?

JonoJ
Posts: 379
Joined: Mon May 23, 2005 5:30 pm
Real Name: Jonathan Joseph
Location: Cape Town

Re:

Postby JonoJ » Fri Dec 07, 2007 11:35 am

BAbycoat wrote:@Jono
what grade you climb at ... makes a difference when being underwritten

As a matter of interest, do higher grades increase or decrease premiums?


I stand under correction here, but I believe the premiums would increase with the grades, due to the perception of higher risk involved at higher grades.

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waynarky
Posts: 31
Joined: Thu Jul 12, 2007 5:49 pm
Location: benoni

Postby waynarky » Fri Dec 07, 2007 1:21 pm

A lof of people get nasty surprises when they need to claim and they find out their insurance excludes their sport of choice.

I must say, Joshua from Extreme Insurance definately knows his stuff when it comes to making sure you're covered, so speak to him about your policy. I'm glad I did.

They say hind-sight is 20/20, but fore-sight is better :wink:
Waynarky
http://www.extremelysa.co.za
Adventure Sports Directory and Mobile Climbing Wall.


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