In HAT’s Off-Piste & Off-Season Safety Series you’ll find tips on how to ‘Have Fun, Be Safe’ no matter what you’re up to this summer.
Travel Insurance Policies: Small Print, Big Risks
Travel Insurance is something many of us have in preparation for a winter or summer holiday, but do we really understand what we’re covered for? And more importantly what we’re not covered for? Not reading the small print can be costly, adding insult to your injuries.
Rescues that happen Off-Piste in the winter are often not covered by standard insurance policies, leading to hefty bills for individuals injured in the powder. Even more sobering is that someone injured on the nursery slopes will often not be covered if they have had as much as a shandy at lunchtime.
Having adequate insurance cover is something Claire Bouteille, the British Consul based
in Lyon, is passionate about. The British Consulate ran a poster campaign during the winter which highlights the risks faced during so called 'dangerous' sports like skiing. HAT has been working closely with the consulate on this campaign and its themes - one of which is making people aware of the fact that they need to think clearly about their travel insurance otherwise they could find themselves hurt and poor! See the poster here from that campaign.
As we all pack for our beach holidays, are you adequately covered for your summer adventures?
We have Top Tips from Val d'Isère's resident Doctor, Alan Griffiths, on how to choose appropriate insurance for your holiday. These tips were originally published for the winter seasonnaire community in Val d’Isère but the principles can be applied to all kinds of holidays, including the one YOU are taking this summer.

An advertisement for a bank recently asked the question: Could your bank account withstand a broken leg in Val d’Isère ? It’s a valid question. Here Dr Alan Griffiths from the English Medical Centre gives the low-down on insurance should you injure yourself here.
Statistics show that 3 out of every 1000 skiers will injure themselves each day. The rate is about 50% higher for boarders, and once you start jumping in the snowpark it gets even worse. Nobody likes to think that they will be the one to get injured, but several times a day it does happen to somebody. A basic piste rescue costs anything from a couple of hundred Euros to several thousand Euros if a helicopter is involved. So it’s vital that you have good insurance cover should the worst come to the worst.
EHIC
The free European Health Insurance Card is NOT the same as a proper insurance policy. It just entitles European citizens to the same state cover that a French person would enjoy. In practice this means you are entitled to 65% reimbursement of your public health costs. You still have to fork out at the medical centre or pharmacy and then it’s up to you to claim your money back from the French social security system. Not very good for cash flow! More importantly, it does not cover any piste rescue costs, nor the cost of repatriation.
VIE VAL D’IS CARD
This provides seasonnaires with unlimited cover for piste and off-piste rescue as well as hospital and pharmacy costs up to 3000€ relating to snowsports injuries. It does not cover you for visits to the resort’s medical centres. It only costs 18€ for the season and also entitles you to discounts at various shops and restaurants around town, with 15% off at the supermarket.
CARTE NEIGE
This costs 50€ for the season and covers you for piste rescue, even if you are off-piste without a guide. If you take out option B for another 10€ it also includes snowsports cover for medical centre and pharmacy bills, as well as hospital bills. But beware, the maximum amount for medical costs is only 3000€. It is great for piste rescues as you just show the card and you don’t have to pay. You will still have to hand over your hard earned dosh at the medical centre and pharmacy, and then you have to claim it back from the Carte Neige people after submitting an EHIC claim if you are a European citizen : quite a convoluted process. The same cover can be bought on a daily basis with the Carré Neige liftpass insurance.
PROPER INSURANCE
For full peace of mind you cannot beat proper travel insurance policies. Unlike the Vie Val D’is card and Carte Neige, they have the advantage of providing cover for accidents that occur off the slopes (such as slipping over in the street and breaking your leg, ankle, wrist, coccyx…). They needn’t be expensive, and if you shop around you can get insurance for the season for as little as 200€. Always check how much the excess is (that’s the first part of a claim that you have to pay out of your own pocket). The cheaper policies tend to have higher excesses, and you may find that you have to pay the first 250€ of the claim yourself.
As everyone knows, insurance companies are renowned for not paying out if they don’t have to. So it is essential to CHECK THE SMALL PRINT. If you are planning to ski off-piste without a qualified guide, make sure you have cover for this.
At the end of the day, you cannot be over insured. So if there is any doubt about what you are covered for, you could combine a proper insurance policy with the free EHIC as well as either a Vie Val D’is card or a Carte Neige. Remember, it could be you coming down in the blood wagon this season!
Have you had a nightmare experience with insurance or found out you’ve not been covered for a rescue on or Off-Piste? Tell us about it via the ‘comment’ box below. Your experiences may help your fellow Off-Piste adventure lovers to avoid a similar situation….
Read the full article on The Mountain Echo website http://www.themountainecho.co.uk/features/are-you-sure-youre-well-insured/
Dramatic off piste avalanche rescue in Val d'Isere
Last week there was a serious accident on the steep Bellevarde slopes (skiers right from Orange piste.) In this post we describe the incident and the lessons that can be drawn
You can see a full set of photos of the rescue in the photo album called La Daille accident April 2010. See left sidebar.
Site of accident
A British saisonnaire who worked for a tour operator in Tignes left his friends on the Orange piste and boarded alone off piste to skiers right and by mistake went down the Couloir to nowhere. Realising his mistake he took his snowboard off and started to walk back up the slope to find another route down.
Unfortunately a small avalanche was triggered above him and swept him down the slope and over the cliffs below. He landed on the softer snow and was part buried by the avalanche. He was also knocked unconscious (at about 2.30pm)
At 4.30pm his friends realised he had not showed up for work and called the rescue services.
As soon as they were given the alert they looked all around the off-piste area to the right of the piste Orange known as the "Spatule and Super Spatule" and the steep slopes off Belvarde above the road which is known as the "Chemin des Coves" and finally saw his snowboard totally intact on top of the avalanche debris in the main part of the avalanche deposition area.
Then they immediately flew a rescue team in and they started probing this deposition area - to no avail. Then they followed the path of the avalanche above to the foot of the cliffs 100 metres higher and heard his unconscious murmuring - then found him buried up to his neck in snow..."
By 5.30pm the piste patrol had found him but only because they heard some strange unconscious mumbling noises.
The following sequence of pictures was taken between 1800 and 1900 during the rescue
Here you see the piste patrol getting more supplies dropped by helicopter
Here you see the team helping the victim and the area where he fell
Here you see the bigger helicopter coming in to drop off more people and supplies to help
Here you see the piste patrol walking down the slope to recover supplies that had been dropped by helicopter and rolled down the slope away from them
Here you see the victim being lifted away in a stretcher by helicopter
Fortunately the snowboarder will be OK after some hospital treatment. But he was very lucky.
What did we notice
We have posted this as a reminder to all of us. As the the head of the Securite des Piste said to Henry only today. Remember three things
Apr 12, 2010 6:54:40 PM | Avalanche accident comments, Henry's ski diary, News from HAT