It could happen to me!

[John Watson]

When an accident occurs such as Gary’s or Ron Don’s unfortunate incidents I start thinking “what would happen if that happened to me” how would I manage having no income for a while. Some of us are well healed enough not to worry too much, but for other’s it could mean disaster, not being able to pay the Mortgage and household bills etc. The BHPA insurance only covers us for third parties so that wouldn’t be any good in a personal injury case, for me it would mean a lot of hardship and probably losing everything, my good wife Fiona is getting on now, therefore ruling out putting her on the game to get some cash.
I personally have bean very complacent about the implications --- and then an accident occurs! Which jolts me into the real world, IT COULD HAPPEN TO ME! So I have just taken out insurance to cover flying, and any other sport, it gives me great piece of mind, because being an aviation sport, my Life policy for my mortgage more than likely wouldn’t pay out. I wonder how many others in our club would be in a similar predicament?

[John Wallis]

So I have just taken out insurance to cover flying, and any other sport, it gives me great piece of mind,

John who have you gone with and do you mind saying what it's cost you and the cover? And yes it's been on my mind this week too.

[John Watson]

Sportscover direct John It cost £145.60 --- go to www.sportscoverdirect.com
For flying you have to take out Gold Cover but this also covers you for any other sport, it covers you for Death (God Forbid) Personal liability, disability, loss of earnings, legal expences, hospital benefit, search and rescue, etc.
Its the loss off earnings that troubled me, Id be stuffed with no income, the death bit --- well I wont be hear to worry about that, I thought you would take care of my family with all the money you have.

[Mikey]

Thanks John,

that was really useful. I tried getting cover when I was training, but found the whole process with Airsports Insurance Bureau to be confusing and time consuming - it probably didn't help that I was trying to extend the policy for the financial benefits.

The Sports Cover Direct website was simple and flexible and exactly what I was looking for. Now I'm all covered.

[waynelson]

I personally do not and like Mikey have thought about it. As a club I feel NHPC should be encouraging the members to do so (it is in their own interest) and even provide some recommendations or establish some contacts for this type of insurance. Is this not something we could have incorporated in the web site along with some links? Would it be worth looking into some club cover where a discount could be arranged - how many members do we have?

[John Watson]

Good point Wayne, I've just looked at the web site and they offer a 5% reduction for parties of 5 and 10% for parties of 10. So you have a valid point about our club mustering some folk who want cover, you must bear in mind that you would still need extra cover for flying abroad.

[paolo]

I've become a BHPA member 10 days ago, and tha's it.
I also has being thinking about this and to be fair until now i couldn't afford. it, is just all the flying thing it cost a lot, but thinking better if I can't afford paying for an insurance who covers in case of an accident , well I might should think if i'm doing well in flying at all.
It's obviously something can happen, and wen the time past thru sometimes seems like well another year and nothing happened...it might be the next year?
I'm up for insurance, and if somebody else wants insurance aswell, we could, go all togueter and found a good deal.
A few years ago one of my best friends got a very, very unlucky accident flying, it was the first time, in witch i saw a Paragliding accident in wich the cause was BAD LUCK, hi lost everithyng, and his family almost for hospital bills.
deffinetly, insurance is a very good one.

[Misk]

Yep - I'd consider income insurance if a group are getting together,

[John Wallis]

Yep - I'd consider income insurance if a group are getting together,

Too late to join in for discount I bought mine on-line yesterday moring. It was LONG over due.

[Chris L]

I'd be interested in grouping together to get a good deal as well

[waynelson]

Looks like we may already have our group of 10, lets hang fire another few days and bring it up in the next gathering, we might be able to get even more and secure an even better deal.

Until then can everyone have a go at getting some quotes and info?

John, you may get a discount retrospectively if we go with your insurer, sort of an introduction reward. Worth a try?

[John Watson]

Good idea wayne, Ive just e-mailed them and asked if I will get rewarded, --- a little something would be nice, "shy bairns get nowt"
So what will we call the group?

[paolo]

If you are interested in getting covered by Accident Insurance, please copy the Pilots List, pasted in a new e mail, add your mail, and send it back to this post:

Beter late then never group:

1)Wayne Nelson
2)Ian Miskin
3)Chris Little
4)Paolo Bellezze (please notice the O after A)
5) ?

[GaryPorter]

Add me me aswell, cheers. New updated list below:

1)Wayne Nelson
2)Ian Miskin
3)Chris Little
4)Paolo Bellezze (please notice the O after A)
5) Gary Porter

[paolo]

Hi guys, looks by now 5 pilots interested in insurance.
Anibody else around?
Paolo

[Bob Sutherland]

Is anybody about to renew their insurance and if so is it worth thinking about the group discount again?

[John Wallis]

Just renewed mine Bob

Make sure you mention your medical history to avoid disappointment in the case of a claim.

[Bob Sutherland]

That doesn't add too much on John, it's the HGV driving that sticks a 'muckle whack' onto the bottom line

[Fingers]

Normally insurance of this sort is not payed out until you have been off work for 8 to 12 months or so. It is also historically very expensive without even talking about taking to the air in a HG or PG. If you do eventually get to make a claim you will normally then find yourself under round the clock surveillance to ensure you are in-fact disabled and cant eat without a straw nor satisfy your good lady in bed.

So may I ask what sort of quotes for what sort of cover have you guys been getting.?

[Bob Sutherland]

The Gold cover on this company Steve

www.sportscoverdirect.com

[Fingers]

mmmmmm

I would like to be stood corrected. Forgive my synicism, but I have knowledge of the insurance industry.

On the whole it seems very cheap, gold cover for office worker £117 per year!

Did not read much past this.

Compensation following an Accident during Sport that renders the Insured totally unable to pursue gainful employment. Payable for up to 26 weeks but excluding the first 14 days. Payment may never exceed 75% of normal income. Doctors certificate and witness statements may be required.

totally unable to pursue gainful employment.

Steven Hawking is able to pursue gainful employment. Get the picture.

Please do not think you will be able to sit and relax and recover at your leisure whilst this company pays your bills. It just ain't going to happen. You can move you arm, and talk? You can work in a call center.!! go find a job we dont need to pay you, your able to work.....

However the other benifits on offer do make it a possible option over the £75 per year from the BHPA, excluding the monthly rag. ie the perm disability and death benifit.

[Bob Sutherland]

Can you recommend a company or package? Apart from the BHPA

[Fingers]

You best off talking to a financial advisor and they will tell you what you need to cover you. As to which financial advisor? I don't know a one I would trust nor recommend.

To me the whole industry is a racket.

You realy have to ask yourself, what is the main thing you want to be covered for? If it is your mortgage payments and bills for the next 2-3 years whilst you recover from??? well what just are you going to "recover" from that is going to prevent you from working? The more details you go into the more expensive it becomes.

Cover so if you have an accident they pay your bills if your un fit to get a job in a call center = quite cheep.

Cover if you have an accident and cant do your "current work" = depending on your "current work" expensive.

Also when will they start to pay out?

After 8 months = Cheep
After 8 weeks = expensive.

Its all very much individual and bespoke, and can be so expensive it really maybe better to save the money.

OH

and read the small print!!! over and over and over.........

[John Watson]

They pay out after 14 days Steve, most others work on months, it covers you for ANY sport and also covers you for third party liability.
I understand you being cynical, but all insurers are the same robbing bastards, so what do you do? just not bother getting insurance!!
I think it looks pretty good so I've just renewed mine.

[dave-mclaughlin]

You do hear stories of insurance companies refusing to pay out, hiding behind the small print etc.
The only guaranteed solution to this conundrum is to go and work for a major corporation.

Company I'm with gives accident/illness insurance as part of the overall job package. It comes with up to 6 months full pay, followed by a further 6 months at 50% (increased to 75% at a cost of around £4.00 month). If that's not enough then there is also a long term disability/medical retirement option too. All in all, a very good benefit package, which means I'm lucky enough not to this type of insurance. Though given the mileage I do every week, I'm more likely to need this sort of cover following a motorway pile-up rather than a flying incident

Of course, corporate life has its downsides http://www.dilbert.com/strips/comic/2008-04-08/

and, I'm at work on Sunday morning, and I'm in London, and I'm not flying today, or tomorrow, or etc. etc; and I'm cheesed off.....

[Neil]

iv been with them for 3 years now so put me on the list for my renewal.
Iv also got life insurance but it limits the number of flights per year to 75
not realy a problem in the cheviots. My insurance broker added it to my existing policy. Its not cheap but Sals worth it.

[gary stenhouse]

from pe then i would say if you are only paying 117 a year you will get didly squat of your wages. i was lucky and flown home and then they told me i was was not covered for pg and was not entiteled to any comp for equipment etc expenses for gills air fairs hotels etc even though they told her to fly out and had to stay with me. i can not complain as for 75 it cost them over £12000 pounds to get me back and i guess the nhs picked up the rest.

have and said that it was still worth it but i would not expect any company with sence to give such a policy on the law of averages.

after never taken out this type of insurance before then i am not sure the calma was good for doing so? read back through the posts and yo will see why

cheers gary

[Bradleisure]

Great idea.

1)Wayne Nelson
2)Ian Miskin
3)Chris Little
4)Paolo Bellezze (please notice the O after A)
5) Tony Bradley

Yet more benefits of being in your club!

[AlastairW]

Steve is spot on......

I had a client who had insurance on a loan he had taken out with one of the big four banks.

Injured at work, and couldnt do his (manual) job......

Insurers rang him, he answered the phone, so they said he was well enough to work in a call centre, and refused to pay out.

Read the small print..... they will always find a way to avoid paying!!

[Brian Nellist]

I,ll have some of that put me on the list (Pleeeeeeease).