Travel Insurance

[pete75]

What's so significant about 4000 metres for insurance purposes? I've an Admiral travel policy and hiking and trekking have a 4000 metre altitude restriction. Although it covers cycling there is no altitude limit for the activity. The policy has no cycle related exclusions other than MTB downhill racing and extreme terrain riding - whatever that is.

[hamster]

4000m is the height of Mont Blanc?

Beyond that height people can start to get symptoms of altitude sickness, and generally medical evacuation becomes tricky (due to the nature of the terrain).

[simonhill]

...........but does it include cycle touring? Policies often have a clause that bans something done as the sole part of the holiday. The example I've seen given is you can go diving, but you can't be on a diving holiday, eg living on a dive boat.

My policy specifically includes "cycle touring". Insureandgo.

Also, I'd be wary of "extreme terrain riding" - could be worth getting that clarified.

Sorry.

[pete75]

...........but does it include cycle touring? Policies often have a clause that bans something done as the sole part of the holiday. The example I've seen given is you can go diving, but you can't be on a diving holiday, eg living on a dive boat.

My policy specifically includes "cycle touring". Insureandgo.

Also, I'd be wary of "extreme terrain riding" - could be worth getting that clarified.

Sorry.

I wouldn't have bought the policy if it excluded cycle touring. They have no limits on type or quantity of cycling other than downhill racing and extreme terrain which they define as off road with big drops and jumps.

[mjr]

What's so significant about 4000 metres for insurance purposes? I've an Admiral travel policy and hiking and trekking have a 4000 metre altitude restriction. Although it covers cycling there is no altitude limit for the activity. The policy has no cycle related exclusions other than MTB downhill racing and extreme terrain riding - whatever that is.

No idea. I've noted before that holidaysafe has a 1000m restriction in viewtopic.php?f=16&t=111358

[honesty]

I’ll ask the underwriters at work but I assume it’s to do with ease of recovery and increase in risk.