Articles > Off Piste Insurance > Comparison Of Snowsports Insurance
(note: this table was prepared in 2002, feel free to update it)
The following table considers multi-trip or annual insurance giving worldwide cover for off-piste, ski and snowboard touring and ski mountaineering (touring with skins over glaciated terrain).
| Carte/Carre Neige | CAF | Vieux Campeur + Vie Privee | BMC Alpine and Ski | Ski Club GB Superclub | Snowcard Multiski Seasonal | |
|---|---|---|---|---|---|---|
| Cost | 30 | 70 inc club | 45.50 | 280 | 155 (europe) | 112 |
| Search, recovery and transport to hospital | France: Amount of Cost Worldwide: 15,000 | 15,245 | 11433.67 | 80,000 | 8,000,000 | 16,000,000 |
| Medical Costs | 3,800 | 915 | 152.45 in France, 1524.49 Worldwide | 16,000,000 | see above | see above |
| Repatriation | Yes incl. children and replacement driver | Amount of cost, limited to trips of 90 days | Amount of cost | see above | see above | see above |
| Third party liability | - | 7,622,451 (1,524,490 ) for damage to property | Unlimited (76,224 ) for damage to property | 3,250,000 | 3,250,000 | 3,000,000 |
| Criminal and civil proceedings | 7,650 | - | - | 40,000 | 16,000 | 42,000 |
| Holiday Compensation | lift passes and Lessons + lift pass loss and theft | 229 lift pass and lessons, 76,26 /day for holiday | 304,90 for lift pass and lessons | 4,500 for holiday | 4,500 for holiday 450 for equipment hire | 450 |
| Lost and broken equipment | Equipment Hire for 8 days | - | Only equipment bought from Vieux Campeur | 2,500 | 1,000 | - |
It can be seen that the French policies are much less expensive than UK policies but apart from the Vieux Campeur policy they will only cover you for sports injuries. The medical cover is really aimed at incidental non-recoverable expenses, such as a pain killing or anti-inflammatory injections administered by a doctor in resort. The UK policies offer a much higher level of compensation but at a significant extra cost. The BMC's search and rescue costs are clearly aimed at someone marooned half way up a mountain in Patagonia.
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