Great Insurance Company for us lot!

[callbarney 0]

Hi all,

I thought after reading a couple of posts of the BPA about how some sky divers have injured themselfs without any additional person injury insurance (not included in your BPA membership as I and possibly some of you may have assumed) and ended up taking a £10k loan out to pay for their medical bills!

So trawling through the internet and i found a great company: Karma Insurance >>>http://www.karmainsurance.com/

There specfic insurance under Sports Accident Insurance >>> All Other Sports >>> Parachuting

Its pay monthly with no contract and only cost £12.50 a month! I thought it was really good as its pay as you go, and give your loss of earnings cover too!

Hope this helps anyone looking or interested!

Blue Skys!



Note, im a not an insurance company trying to promote myself, just a skydiver wishing to contribute to the community

[shropshire 0]

I'd ne interested to hear about their track record. Has anyone needed to use them following a Skydive accident? It's only at these times that you find out how good/otherwise these companies are.


Personally, I use the BMC (British Mountaineering Council) insurance - but never had to call upon their services (thankfully). I use them for all my "sport" insurance (Skydive, Climbing -doh, Paragliding and SKiing).

(.)Y(.)
Chivalry is not dead; it only sleeps for want of work to do. - Jerome K Jerome

[Adriandavies 0]

On the face of it if you are looking for an accident policy the Finch Extreme policy looks cheaper at £60 per year. I'd always suggest looking a proper critical illness and life insurance policy though because it will cover you for a much wider range of accidents and outcomes but at a much higher price.

[skytash 0]

I think you need to be really careful when comparing different policies, esp looking that the trail posted here as terminology in each of the posts describes a different kind of insurance.

BPA insurance covers the cost of other people's damage or injury that you cause during a skydive (if you do so), not damage to yourself. One of the reasons for that is the NHS in the UK who looks after you for free if you hurt yourself in the UK. Also, it is impossible to waive someone else's right to sue you for physical injury under UK legislation, so you may want cover for legal fees too.

Travel Insurance with Medical fees included will cover cost of medical treatment from damage to do to yourself in the event of an accident in a foreign country and may include repatriation, but may also have limits on value or duration of treatment and other bits in the small print.

Ciritical Illness Insurance pays you a lump sum in the event that you have a particular injury or illness. Most are designed to pay out once per injury or illness to cover lack of income in the event of that injury or illness. They do vary though.

Life Assurance pays out in the even of your death - check details though as policies may exclude payments being made in the event that death was caused or took place during the course of a hazardous activity, incl skydiving.

I don't Ciritical Illness Insurance, as I can continue to work even if I end up quite beaten up and consider the risk of not being able to work as a result of an injury low. If I was a scaffolder or plumber or farmer, I would have it as an injury could prevent me from earning a living. I don't have life assurance either as I have no dependents, so don't really care what happens financially after I die.

Not everyone needs every form of insurance, so understand what you are buying, why you are buying it and compare real details in the small print when comparing prices.

tash

Don't ever save anything for a special occasion. Being alive is a special occasion. Avril Sloe

[repcool 2]

Why would anyone in the BPA jumping in the UK be paying out of pocket for an injury? I am confused!

[dgw 8]

Because it is third party insurance...