BOF PROMOTED TRAVEL INSURANCE

[Gross]

There was a leaflet with the BOF logo on it that came with the latest issue of FOCUS promoting travel insurance. Be aware that it covers the 'activity of orienteering' and not the 'sport of orienteering'. So if you are expecting to be covered for the O Ringen or whatever with this policy.... you won't be ! (The company has just confirmed this by phone).

[frog]

Do people actually get themselves covered for orienteering when they go to the oringen? I'd presumed my E111 would cover me for any accidents I may have as it covers emergency treatment. Swedish folk in the UK would have orienteering accidents covered by an E111. It's not like skiing where you may need helicoptered off a mountain.

[awk]

E111 only covers the most basic treatment. So, for instance, it wouldn't get you home.

[madmike]

Frog,
these are the sort of things you can get cover for in addtion to E111 and it's not that expensive. You can insure the trip or have an annual policy (which I take out most years) for reasonable cost.

Cancellation or Curtailment £750

£150 Excess
Cover for any irrecoverable unused travel and accommodation costs (including excursions) and other pre-paid charges which you have paid or are contracted to pay together with any reasonable additional travel expenses incurred if cancellation of the trip is necessary and unavoidable or the trip is curtailed before completion as a result of any of the following events occurring: the death, bodily injury, illness, disease,or complication arising as a result of pregnancy of you any person with whom you are travelling or have arranged to travel with or any person whom you have arranged to stay with or your close relative. Compulsory quarantine, jury service attendance or being called as a witness at a Court of Law of you or any person who you are travelling or have arranged to travel with. Redundancy of you or any person who you are travelling or have arranged to travel with. You or any person who you are travelling or have arranged to travel with are a member of the Armed Forces, Territorial Army, Police, Fire, Nursing or Ambulance Services or employees of a Government Department and have your/their authorised leave cancelled or are called up for operational reasons, provided that such cancellation or curtailment could not reasonably have been expected at the time when you purchased this insurance or at the time of booking any trip. The Police or other authorities requesting you to stay at or return to your home due to serious damage to your home caused by fire, aircraft, explosion, storm, flood, subsidence, fallen trees, impact by road vehicles, malicious people or theft.
what is this ?Emergency Medical and Other Expenses £10,000,000
Includes Emergency Assisstance
£150 Excess
Cover for the following expenses which are necessarily incurred within 12 months of the incident as a result of your suffering bodily injury or illness, disease and/or compulsory quarantine: Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred outside the United Kingdom or within the Channel Islands. Reasonable additional transport (economy class) and/or accommodation expenses incurred, up to the standard of your original booking, if it is medically necessary for you to stay beyond your scheduled return date. This includes, with the prior authorisation of the Emergency Assistance Service, reasonable additional transport and/or accommodation expenses for a travelling companion, friend or close relative to stay with you or travel to you from the United Kingdom or escort you and additional travel expenses to return you to your home if you cannot use the return ticket. With the prior authorisation of the Emergency Assistance Service, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate you to your home if it is medically necessary. These expenses will be for the identical class of travel utilised on the outward journey unless the Emergency Assistance Service agree otherwise.
what is this ?Emergency Dental Treatment £50

£25 Excess
Cover for emergency dental treatment for the immediate relief of pain (to natural teeth only) incurred outside the United Kingdom or within the Channel Islands.
what is this ?Hospital Benefit £500

No Excess
Cover is for every complete 24 hours you have to stay in hospital as an in-patient or are confined to your accommodation due to your compulsory quarantine or on the orders of a medical practitioner outside the United Kingdom or within the Channel Islands as a result of bodily injury or illness you sustain. (This payment is meant to help you pay for additional expenses such as taxi fares and phone calls incurred during your stay in hospital).
what is this ?Personal Accident £25,000

No Excess
Cover if you sustain bodily injury which shall solely and independently of any other cause, result within two years in your death, loss of limb, loss of sight or permanent total disablement
what is this ?Death Benefit £5,000
U16£1000
No Excess
You are covered if you sustain bodily injury which shall solely and independently of any other cause, result within two years in your death.
what is this ?Baggage £750

£150 Excess
Cover for the accidental loss of, theft of or damage to baggage. The amount payable will be the value at today's prices less a deduction for wear and tear and depreciation (loss of value), or we may at our option replace, reinstate or repair the lost or damaged baggage.
what is this ?Baggage Single Article Limit £150

£100 Excess
Cover for the accidental loss of, theft of or damage to Baggage single article (for example, a set of golf clubs). The amount payable will be the value at today's prices less a deduction for wear and tear and depreciation, (or we may at our option replace, reinstate or repair the lost or damaged baggage single article).
what is this ?Valuables Limit £200

£150 Excess
We will pay for the accidental loss of, theft of or damage to valuables. The amount payable will be the value at today's prices less a deduction for wear and tear and depreciation, (or we may at our option replace, reinstate or repair the lost or damaged valuables).
what is this ?Personal Money & Documents £150

£100 Excess
Cover for the accidental loss of, theft of or damage to personal money and documents (including passports, visas and driving licences). We will also cover foreign currency during the 72 hours immediately before your departure on the outward journey.
what is this ?Personal Liability £2,000,000

£250 Excess
Covers any amount you become legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause in respect of accidental (including legal costs and expenses) bodily injury, death, illness or disease to any person who is not in your employment or who is not a close relative or member of your household Loss of or damage to property that does not belong to and is neither in the charge of or under the control of you, a close relative, anyone in your employment or any member of your household other than any temporary holiday accommodation occupied (but not owned) by you.
what is this ?Abandonment of Trip £750

£150 Excess
Cover for any irrecoverable unused travel and accommodation costs and other pre-paid charges which you have paid or are contracted to pay if after a delay of at least 12 hours, you choose to cancel your trip before departure from the United Kingdom.
what is this ?Delayed Departure £300
(£20 for each 12 hour delay )
No Excess
Cover if departure of the public transport on which you are booked to travel is delayed at the final departure point from or to the United Kingdom for at least 12 hours from the scheduled time of departure due to strike or industrial action or adverse weather conditions or mechanical breakdown of or a technical fault occurring in the public transport on which you are booked to travel. (This payment is meant to help you pay for telephone calls made and meals and refreshments purchased during the delay).
what is this ?Missed Departure £1,000

£150 Excess
Cover for reasonable additional accommodation (room only) and travel expenses necessarily incurred in reaching your overseas destination or returning to the United Kingdom if you fail to arrive at the departure point in time to board the public transport on which you are booked to travel on the initial international journey of the trip as a result of the failure of other public transport or an accident to or breakdown of the vehicle in which you are travelling or an accident or breakdown happening ahead of you on a motorway or dual carriage way which causes an unexpected delay to the vehicle in which you are travelling or strike, industrial action or adverse weather conditions.
what is this ?Legal Expenses & Assistance £15,000

No Excess
Cover for legal costs to pursue a civil action for compensation against someone else who causes you bodily injury, illness or death.
Essentials Annual
£23.48

[frog]

I intended to get basic European travel insurance, but just not specialised orienteering cover, and wondered if some folk went for the latter.

[Gross]

I intended to get basic European travel insurance, but just not specialised orienteering cover, and wondered if some folk went for the latter.

You don't need specialised orienteering cover... you just need cover from a policy that covers orienteering as a sport.... one quick look comes up on google:

http://www.sportscoverdirect.com/ventureguard/

If you have basic EU Travel Cover (like the HMCA cover) then you'll probably get away with an orienteering competition accident... but if the underwriters dig deeper it'll be a no - no

[roadrunner]

Nationwide's travel insurance (actually provided by Liverpool Victoria) covers orienteering as standard - at least it did last year. Premium was in the £70 region for worldwide annual cover last year.

[Clive Coles]

Annual Travel Insurance is a bit of a minefield ~ you don't always get what it states on the tin when it comes to trying to claim for significant delays.

In my case my insurer ( Insure & Go) refused a claim when I was delayed by 48 hours last Summer due to an aircraft failure. The airline withdrew the aircraft from service until the fault was repaired. They are still contesting an Ombudsman ruling in my favour 12 months further on.

This year only 1 in 4 insurers are prepared to regard a volcanic ash cloud as being covered by the phrase " adverse weather condition". My 9 day delay claim is also being contested by my insurer.

So...if you need to get back quickly without incurring significant expense after a foreign trip, choose your insurance company carefully. You should probably avoid the cut price options.

[graeme]

I have no insurance for EU, I put the premium in a savings account. 20 years on, I'm well ahead at the moment, and none of the stress of Clive's claims either. US is a different story.