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Personal Insurance for Mountain Biking
#1
Some of us discussed Accident Insurance and the like when I had my accident and i've now started to do a little research which I thought I would share. Although I am an Insurance Broker I have no professional connection or financial gain linked with anything I will recommend here.

The policies found here <!-- m --><a class="postlink" href="https://www.pinnacle.co.uk/micro/sports_accident/benefits_saep.php3">https://www.pinnacle.co.uk/micro/sports ... _saep.php3</a><!-- m -->

Provide differing levels of benefit depending on which level of cover you go for, such as...

Income Replacement - Very handy for any self employed workers.

And for bone breaks, dislocations and ligament tears the policy would pay a lump sum. This can be used to pay for anything (new bike!!) but what springs to mind would be private consultations and scans to hurry the process along.

The policy excludes Hazardous Activities but I have spoken with them and Mountain Biking would be covered, provided the correct safety equipments is worn for the type of riding being undertaken, They specifically mentioned helmets and knee pads. And presumably the full armour for DH etc etc.

To give you some idea of what can be received in the even of a claim. I would have received £1,460, plus £20 towards each physio visit if I had the top level of cover.

Hindsight is of course great, and you lucky peeps who can ride at the moment are more than welcome to use me as your hindsight.

If anybody has any questions I am happy to assist.

P.S. Ill be buying the £14.95 cover once I get riding again.

P.P.S, Cardif Pinnacle also sell all sorts of other Insurance. I havent had time to read through these but details are on their hompage.
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#2
sorry blackers ... dead link
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#3
&quot;TooYoungToKnow&quot; Wrote:sorry blackers ... dead link

Ooops. Cheers Steve

Try  https://www.pinnacle.co.uk/micro/sports_...28d76d41bb

or failing that

<!-- w --><a class="postlink" href="http://www.pinnacle.co.uk">www.pinnacle.co.uk</a><!-- w --> and select sports accident insurance on the left hand side.

Forgot to mention that amateur races would be covered too.
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#4
This isnt "private" though is it? (noob question possibly)

This isnt gonna get me the nice doctors, sky tv and 7 nurses in my own private room with an hour of my crash is it?
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#5
&quot;BMJBOY&quot; Wrote:This isnt "private" though is it? (noob question possibly)

This isnt gonna get me the nice doctors, sky tv and 7 nurses in my own private room with an hour of my crash is it?

No. Although you can opt to pay for your own private treatment, possiblt financed by the lump sum payable by the above Personal Accident policy, for example. I'll do a little research on Private Health Insurance later...
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#6
Lets look at it this way, if I crash my bike (like I did this week) I would like to simply get some help at a private place.

If Im out of work for any period of time, my business would simply go under - no question.

I would like that peace of mind that I could technically get seen quickly, efficiently and out ASAP to sort out work circumstances.
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#7
&quot;BMJBOY&quot; Wrote:Lets look at it this way, if I crash my bike (like I did this week) I would like to simply get some help at a private place.

If Im out of work for any period of time, my business would simply go under - no question.

I would like that peace of mind that I could technically get seen quickly, efficiently and out ASAP to sort out work circumstances.

OK.
Private Medical Insurance (PMI) is therefore what you ideally need. This will get you through the process of being treated quickly and privately. You can get an online quotation from AXA PPP here  
<!-- m --><a class="postlink" href="http://www.axappphealthcare.co.uk/body/html/consumer/products/uk/private-medical-insurance/how_to_choose.jhtml?linktype=pmi/hub/text/get_quote#">http://www.axappphealthcare.co.uk/body/ ... get_quote#</a><!-- m -->

I just got a quote for myself for their top cover with a £100 excess at £48 per month (for 11 months, so presume you pay nothing 1 month). It is based heavily on age and I am 33. It is more than likely that taking an application further would alter the premium slightly, as they would ask subsequent lifestyle questions such as "do you smoke/drink/take drugs/exercise regularly" etc etc. But it is a good guide.

I actually pay £46 per month through work. And I can honestly say that it is the best £46 pm I could possibly spend for the peace of mind it gives.

To put this in a little perspective, my 2nd to last appointment with my consultant cost £180 (for ten minutes), plus £98 to put a cast on. And my 3 nights in the private ward cost £500 per night. On top of that the op probably cost a couple of thousand, the anaesthatist was around £700. Xrays come in at about £100 I think and ive had 5. My point being that nobody would want to pay out of their own pocket to go privately!

Another of my expeiriences for you. A few years back I needed to see a throat specialist. I didnt realise I had PMI so went down the NHS route. The NHS doctor told me there was a four week wait to see a specialist. When I got back to work a colleague pointed out that all employees received PMI. I phoned the doctors up and they issued a letter to a private specialist. That same day I called the specialist and got an appointment the next day. At the appointment the specialist told me I needed an op and offered me a spare slot the very next day. (I bottled it an opted for a week later though).

Any Private Medical Insurance would not provide cover for medical conditions which exist prior to the policy commencing. So your knee couold not be covered for example.

If you are interested you should also approach BUPA. There are many other smaller Insurers but I dont really know anything about them.

Note : I work for AXA (not their Healthcare division) technically, but again, for fear of being accused otherwise, I will make no wonga or any other gain at all from recommending them. I hate selling insurance in fact. Always have done.
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#8
Plus one for private medical insurance - I've got my money's worth from mine but i get a very good price for it through work.  Its worth noting that it won't help you for your initial visit to A&E but is invaluable for the aftercare
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#9
I used to work for BUPA selling thier various insurance policies, they are very good and by far and away one of the best providers out there.

The downside as Nick mentioned is that you can't go and use them unless you are referred by your GP. So if you have an accident you still have to go to the AandE at the local hospital and then visit you doctor to get referred and then get your after care.

Like Nick says the aftercare is excellent and that is what makes it attractive, especially when it comes to things like waiting lists. Personally i no longer have PMI, i can't honestly remember the last time i went to the doctor and i tend to only have accidents and i feel the NHS provides a bloody good service 99% of the time. I also often felt like i was scaring people into having it by telling them doom stories about cancer all the time. The job really sucked the will to live out of me!

With your dodgy knee Ben here is a tip, get a PMI policy and don't mention your knee when you sign up. Wait a year and half and then put a claim in. Pre existing conditions as they are known only get investigated in the first year. So any claims within the first year of the policy will be investigated to see if the problem was pre existing. After a year they don't investigate as it is too much work, so they just pay out.

I never said that... Wink And of course i never told my customers that either...

BUPA are one of the best at paying out on PMI too, they are a "not for profit" organisation that makes so much money they don't know what to do with it! So they love paying out as it comes off their bottom line. They throw money away like it is going out of fashion in an effort to not make profit. When i was there one year they still made several hundred million, despite blowing a huge wad buying a huge Australian medical provider...
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