Captain Fastbastard Mayhem Posted February 21, 2018 Posted February 21, 2018 Sounds tempting but I think I need to stick to locations close to Mediclinics where my Discovery Medical aid will kick in when the worst happens.Disco will cover you for emergencies overseas through International SOS. Also top up with travel insurance. DO IT.
Dexter-morgan Posted February 21, 2018 Posted February 21, 2018 @delarey If you really want to piss on your lighties parade come to France with the Ballies in July. I guarantee you'll be able to jump by the time you come back and all your youngster's mates will be green with envy.If I had the budget I would be there! you videos are inspiring, now I need to go riding.
MTBeer Posted February 21, 2018 Posted February 21, 2018 Disco will cover you for emergencies overseas through International SOS. Also top up with travel insurance. DO IT. Myles, I know this is a generalised question, but what is life/ disability insurance's stance on recreational mountain biking?
Headshot Posted February 21, 2018 Posted February 21, 2018 We hesitate because we already had that big fall. They still have to have theirs. Hesitation is precisely what causes the problems - we've all been there - braked too hard and ended up stuck on a rock and OTB. The more experienced you are the better you should be able to avoid those situations and experience should come with age. Of course, if you don't take the time and effort to gain skills along the way you'll never learn. Just to confirm that getting it wrong is not pretty...
Captain Fastbastard Mayhem Posted February 21, 2018 Posted February 21, 2018 Myles, I know this is a generalised question, but what is life/ disability insurance's stance on recreational mountain biking?DILLIGAF, essentially.
Captain Fastbastard Mayhem Posted February 21, 2018 Posted February 21, 2018 ?Does. It. Look. Like. I. Give. A. Fk. Essentially. That's their approach to recreational MTB
MTBeer Posted February 21, 2018 Posted February 21, 2018 Does. It. Look. Like. I. Give. A. Fk. Essentially. That's their approach to recreational MTByes I know what DILLIGAF means. Just not sure how it applies to my question. You saying they will pay if you are killed/disabled?
Eddy Gordo Posted February 21, 2018 Posted February 21, 2018 Funny, its the opposite for me. I have way more skills as an old man than I did when I was younger... just wish I had the fitness of a 30 year old!Naa, I agree, but in terms of wheelies, manuals, bunny hoping over fences, and all flat ground tricks, I had more skill, but in terms of mtb, I have a helluva lot more now. Road bike is probably about the same
Captain Fastbastard Mayhem Posted February 21, 2018 Posted February 21, 2018 yes I know what DILLIGAF means. Just not sure how it applies to my question. You saying they will pay if you are killed/disabled?Yes. They don't count it as a hazardous pursuit (at least, none that I know of do... ) If it were counted as a hazardous pursuit, like rock climbing, then they'd either load your premiums or give you an exclusion. But then in the case of rock climbing, some companies give you standard rates and no exclusions (Discovery) and some exclude (Liberty) and some just don't care wtf you do, as long as you fit their client demographic (PPS) If it were your profession, though, that's a different story as you may not qualify for an occupational disability or income protection. But recreational - no issue.
GrahamS2 Posted February 21, 2018 Posted February 21, 2018 Does. It. Look. Like. I. Give. A. Fk. Essentially. That's their approach to recreational Yes. They don't count it as a hazardous pursuit (at least, none that I know of do... ) If it were counted as a hazardous pursuit, like rock climbing, then they'd either load your premiums or give you an exclusion. But then in the case of rock climbing, some companies give you standard rates and no exclusions (Discovery) and some exclude (Liberty) and some just don't care wtf you do, as long as you fit their client demographic (PPS) If it were your profession, though, that's a different story as you may not qualify for an occupational disability or income protection. But recreational - no issue. I've heard of them asking some questions on injuries occurring during timed events. Not sure if there's any merit to it though.
Captain Fastbastard Mayhem Posted February 21, 2018 Posted February 21, 2018 I've heard of them asking some questions on injuries occurring during timed events. Not sure if there's any merit to it though.Not from my experience. From what I've seen on insurance application and quotes, there is no classification other than "Mountain Biking" and there is no "mountain biking questionnaire" like there is a rock climbing & mountaineering or skydiving questionnaire. If one comes in the future... I'll definitely take note of it.
Headshot Posted February 21, 2018 Posted February 21, 2018 Yes. They don't count it as a hazardous pursuit (at least, none that I know of do... ) If it were counted as a hazardous pursuit, like rock climbing, then they'd either load your premiums or give you an exclusion. But then in the case of rock climbing, some companies give you standard rates and no exclusions (Discovery) and some exclude (Liberty) and some just don't care wtf you do, as long as you fit their client demographic (PPS) If it were your profession, though, that's a different story as you may not qualify for an occupational disability or income protection. But recreational - no issue. My recent collar bone surgery was covered almost completely by Discovery. However, a friend on a lower level policy ran into problems when she did her shoulder in, also on her MTB. Fine print...
GrahamS2 Posted February 21, 2018 Posted February 21, 2018 Not from my experience. From what I've seen on insurance application and quotes, there is no classification other than "Mountain Biking" and there is no "mountain biking questionnaire" like there is a rock climbing & mountaineering or skydiving questionnaire. If one comes in the future... I'll definitely take note of it. My life and gap cover policies both exclude timed events. Must go read the fine print for Discovery though.
Guest dirkieuys Posted February 21, 2018 Posted February 21, 2018 Mont Marie. It's part of a very nice flowy line that pops out at the mid point of another very nice flowy line that rolls all the way to the restaurant. Combine that with a session at Eden for a really fun morning.Hi DuaneThanks for the info.Is there a set route from Eden to Mont Marie?I see a few options on Google earth. I will most definitely be going this weekend, Cant wait.
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