Captain Fastbastard Mayhem Posted June 11, 2013 Share Cassie, I assume you mean insurance policies like disability / Life etc.? Not sure. If so many insurances still cover hazardous sports, you usually just have to disclose it and possibly pay a slightly higher premium. I am surprised your insurer didnt want to cover paragliding, was this a common refusal or just from your one insurer.? I scuba dive a lot and its definitely classed as a hazardous sport but as long as I have proof I am "licensed" to dive, stick to the standard schedules etc I remain covered, but yeah, I dont know, but I doubt M/ Biking is classed as a hazardous sport so you are right, maybe it will cause insurers to be a little more cautious on their policies in future. Clarity on this issue. MTB is not a hazardous pursuit, neither is road cycling although there have been rumblings over the last few years regarding a potential shift in how insurers assess risk and there could be a loading imposed in the future if there is enough reason for it. Having said that the incidence is far less than death or disability as a result of car accidents so I don't see it happening anytime soon. Ito group risk cover, the cover provided by your company. No exclusions or loadings apply, unless you go over what's called a "free cover limit" in which case you will be underwritten normally in line with personal insurance policies. Group risk members are underwritten by the group, which is why loadings and exclusions do not (generally) come into play. Some personal and group policies still have generic neck &back and psychological exclusions though, so there's that portion to worry about if its not part of the "new breed" cover. Whatever the case may be, the chances of them repudiating a claim based on this incident are very low, as the pursuit is not "hazardous" per se. But there may be a neck and back exclusion on icb (income protection) and lump sum disability benefits, if structured in the "old" way. GrumpyOldGuy and marko35s 2 Link to comment Share on other sites More sharing options...
Capricorn Posted June 11, 2013 Share even more simpler, is when you fill out the incident report, they want to know you were wearing the necessary protection. This unfortunate youngster shouldn't have a problem on that basis alone. Captain Fastbastard Mayhem 1 Link to comment Share on other sites More sharing options...
Captain Fastbastard Mayhem Posted June 11, 2013 Share even more simpler, is when you fill out the incident report, they want to know you were wearing the necessary protection. This unfortunate youngster shouldn't have a problem on that basis alone. Afaik that would just be a helmet. Not even a full face. In that case, big tick as he had a ff on as well as pressure suit etc Link to comment Share on other sites More sharing options...
DJR Posted June 11, 2013 Share ..............................ed: happened at about 2pm, right Omega Man? Must've happened shortly before 2pm. (We got there at about 2) Very bad news indeed. I'll keep all my fingers crossed for a miraculous recovery. Captain Fastbastard Mayhem and ChUkKy 2 Link to comment Share on other sites More sharing options...
Guest Omega Man Posted June 11, 2013 Share No. When I arrived they were riding that section.. sessioning. This is the Quarry entry that was built for the 2012 DH event that saw 585 practice runs before the race run. (I did some calculations based on the 72km of shuttling I did that day.) ed: happened at about 2pm, right Omega Man?Ja. 2pm ish. It's sad. Real sad. I really feel for the guy. Captain Fastbastard Mayhem 1 Link to comment Share on other sites More sharing options...
'Dale Posted June 11, 2013 Share Sad sad sadIn a second, things can change. Be safe out there, Riders... Link to comment Share on other sites More sharing options...
Meezo Posted June 11, 2013 Share Words from he's dad with a pic standing next to he's son(rider) This my son,my best friend, my colleague my working partner AND MY CLOSEST BUDDY! ................. Thanks for all the prayers. Faith is cure to .......... recovery! Thank you I've left out something's i feel might start topics/discussions that might go off topic, this is thehub, and in this sad time i don't think it's necessary. Respect for the rider.... I'm still waiting to get an update on he's condition. Edit: Spelling Edited June 11, 2013 by Meezo Captain Fastbastard Mayhem 1 Link to comment Share on other sites More sharing options...
(Deon) Posted June 11, 2013 Share Words from he's dad with a pic standing next to he's son(rider) I've left out something's i feel might start topics/discussions that might go off topic, this is thehub, and in this sad time i don't think it's necessary. Respect for the rider.... I'm still waiting to get an update on he's condition. Edit: Spelling Thanks Meezo. Meezo 1 Link to comment Share on other sites More sharing options...
Eddy Gordo Posted June 12, 2013 Share Just heard that he is having an op this morning to rescue some nerves. Let it be a huge success! ChUkKy 1 Link to comment Share on other sites More sharing options...
Eddy Gordo Posted June 12, 2013 Share Just received antoher message from one of his friends that his spinal cord is fine. The doctors are gonna realign his vertebrae. slowpoke, flymango, Capricorn and 4 others 7 Link to comment Share on other sites More sharing options...
Meezo Posted June 12, 2013 Share good news Link to comment Share on other sites More sharing options...
Captain Fastbastard Mayhem Posted June 12, 2013 Share AWESOME. Spinal cord is the big one. nickc 1 Link to comment Share on other sites More sharing options...
DR ◣◢ Posted June 12, 2013 Share Thoughts and prayers go out to this rider. All the best mate. Hope to see you on the trails again one day. ChUkKy and VicanZA 2 Link to comment Share on other sites More sharing options...
heed0 Posted June 12, 2013 Share Big ups to the medical team for persevering with the guy! slowpoke 1 Link to comment Share on other sites More sharing options...
Capricorn Posted June 12, 2013 Share Just hearing that the spinal cord is fine, i'm very confident he can walk away from this, fused vertebrae aside. Warren911, Warren_G and Meezo 3 Link to comment Share on other sites More sharing options...
NicoBoshoff Posted June 12, 2013 Share WHAT? Oh man this is such good news! Hope it stays good! Link to comment Share on other sites More sharing options...
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