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thinkin of doin skydive & hot air balloon, i know that normal travel insurance wont cover us but when the company says full insured is that all we need ?
thanks
Katys Grandad
02-08-2012, 17:20
I'm sure you'll get some well intentioned responses to your question but you should really be asking your insurers. I don't see how anybody on here can possibly know the answer and you really need to be sure you're fully covered. A quick call will do that.
Albert the Frog
02-08-2012, 17:59
Katy's grandad is correct and when you find out get them to confirm it in writing.
the firm's insurance will be their public liability to cover against their negligence-it will not cover "non negligence" accidents
Be safe rather than sorry
Most online companies now have the list of excluded activites well detailed in their FULL set of T&C's which you can download before you buy.
Dave
E. Cosgrove
03-08-2012, 07:33
Donny has already acknowledged that his insurers will not cover him.
i think what he is asking is how does he find out if the company offerring the activity and claiming to be "fully insured" cover all eventualities.
I am no actuary but I don't think writing to his own insurers will be of any help.
Katys Grandad
03-08-2012, 08:04
Donny has already acknowledged that his insurers will not cover him.
i think what he is asking is how does he find out if the company offerring the activity and claiming to be "fully insured" cover all eventualities.
I am no actuary but I don't think writing to his own insurers will be of any help.
Reading it again, I think you're probably right on that but the answer to the question isn't going to come from here. Donny needs to go the source of the statement to find out exactly what it means to be sure that the cover is adequate.
The question would most like be addressed by talking to the companies providing the attractions to ask what their insurance covers. Afterwards, if additional coverage is desired then either talking to his own insurers to see if there was a premium add-in option for such activities or going on a search for insurers who cover such things would seem like the appropriate course of action. While the answer won't be found here, as KG has said, perhaps a gentle nudge in the right direction will.
Ultimately, the main question being asked is "will the activity provider's own insurance be all we need" and the only person that can truly answer this is question asker themselves. We all have different levels of acceptable risk and we all have to decide what is acceptable for ourselves or not.
Seem to remember having to sign a disclaimer when we went up in a hot air balloon a couple of years ago - so I doubt that they insure you either! Ask the company involved what if and see what they reply. Having said that it was a magical experience and soooo peaceful - one of the other guests gave his wife some Tiffany jewelry for their anniversary which was so romantic- me, I couldn't even get my husband up to wave us off.
Thanks for all the replies, our policy does cover hot air ballooning but not skydiving so will have to look for a separate cover.
What happens if you combine the two?
Laurel Oak
07-08-2012, 21:30
What happens if you combine the two?
You're covered until you jump out of the basket.
I tripped while sitting on the edge, honest.
... luckily the cautious balloon pilot made us all wear parachutes.
... unluckily, mine failed to open![msneek]
... luckily, the reserve worked like a charm! [clap]
... unluckily, I landed in a pond full of 'gators!
... luckily, there was a local guide on an airboat just going past at the time. Phew. I would like to claim on my insurance for the ticket for the airboat ride, please.