Discounted winter sports Insurance for wearing a helmet

zipady_do

Have seen a fair bit on snowboarding/ski forums and in the papers about this over the last few days, was surprised to not see it here, what do people think?

Looks like a sensible initiative to me - if they can discount their insurance based on the fact that people are less likely to claim by wearing a helmet, and I wear a helmet when I ski, then I'm all for saving a few quid on it?

Their Press Release is below:

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UK Industry First: No Helmet, No Insurance!

Essential Travel Announce Helmet Wearing Mandatory for Wintersport Insurance Cover

Research by travel insurance specialist, Essential Travel, has revealed that 77% of skiers/snowboarders are now wearing helmets when they hit the slopes - a 15% increase since 2010 when the "Use Your Head"campaign was launched. The poll also confirmed that of these, 73% felt that they should be rewarded for decision to protect themselves by paying lower travel insurance premiums.


As a result, from November 1st it is mandatory to wear a helmet in order to benefit from the protection offered on all Essential Travel's Winter sports Insurance policies - skiers who do not wear a helmet will risk invalidating their policy.


Essential Travel's Stuart Bensusan comments: "Whilst it is true that a helmet does not reduce all sports injury, it seriously reduces the risk of potentially fatal injuries. That alone warrants making wearing helmets compulsory, and we choose to completely support safety conscious skiers by rewarding them with reduced premiums and bonus discounts."

By making ski helmets mandatory for insurance cover, Essential Travel are able to offer:

• 15% discount on Essential Travel Winter sports insurance premiums
• Discounts with Neilson Holidays (up to 25%), Ellis Brigham (10%), Tail-Wags (10%) and Facewest (10%)
• In addition, Essential Travel are also donating £1 for each policy bought to the brain injury charity Headway

forgotmyname

Do they stipulate the specification for the helmet though? I have one knitted by my granny its made from wool. Does that count?

Maybe another loophole to get out of paying also?

Say your wearing it but whilst on the slope you take it off to scratch your head or adjust the strap etc someone crashes into you and you bump your head.

Are you still covered?

dacouch

I can't see it making much if an difference to the premiums.

A skiing accident without a helmet there's a very good chance of a fatality which would cost the Insurer between circa £5k and £10k. Wearing a helmet will reduce the chance of death but increase the chances of living but needing a lot of very expensive medical treatment and possibly an air ambulance back to the UK which would be many many times more expensive than a death claim.

You would know better than me, roughly how many fatalities are there annually for skiing

dalesrider

zipady_do wrote: »

Looks like a sensible initiative to me - if they can discount their insurance based on the fact that people are less likely to claim by wearing a helmet,

Their Press Release is below:

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UK Industry First: No Helmet, No Insurance!

Essential Travel Announce Helmet Wearing Mandatory for Wintersport Insurance Cover

Discount for wearing one, that is just about OK....
That headline is the reverse of that statement.
No Helmet No insurance....

Wonder how it would fair as a unfair T/C or in the EU human rights department.

So Ins co's are once again dictating to the public, what they can and can't do.... Even though its not a legal requirement....:mad: