Travel Insurance and running a marathon

Discussion in 'Travel, accommodation and restaurants in Ireland' started by losttheplot, Aug 14, 2018.

  1. losttheplot

    losttheplot Frequent Poster

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    277
    I intend to run the NY Marathon in November. I have a multi trip travel insurance through AIB (Chubb Insurance). I'm wondering if I was injured while competing, would I be covered. There are specific mentions of winter sports being excluded (skiing etc). In the exclusions section of the policy document, it states the following:

    D. Hazardous activities
    participation in or training for:
    mountaineering requiring the use of
    ropes or guides; potholing; any organised
    sporting holiday or trip; travelling on
    a motorcycle over 125cc; competitive
    winter sports including, but not limited
    to ski or ski bob racing, mono skiing, ski
    jumping, ski boarding, ice hockey, or the
    use of bobsleighs or skeletons; racing
    of any kind (except for racing on foot)
    ;
    scuba diving to depths in excess of 30

    Would I be correct that this means I'm covered as a marathon is racing on foot?
     
  2. noproblem

    noproblem Frequent Poster

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    1,175
    Some people taking part in a marathon do it so slowly that it would hardly be considered running. Then again I saw on your post "any organised sporting holiday or trip" which takes into account an awful lot of activities. Maybe you're going to NY to meet up with friends and family and taking in the marathon as a bit of something to do and you didn't have to qualify or suchlike? That might change things. You could always go into an insurance brokers office and enquire.
     
  3. Leo

    Leo Moderator

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    9,155
    Yes.
     
  4. losttheplot

    losttheplot Frequent Poster

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    277
    Update: After contacting the insurance company, this is their reply:

    "In response to your query, please note with XXXXX Travel Insurance we only cover trips that are purely for rest and relaxation.
    As you will be participating in a marathon, we will not be able to provide cover for that trip on your XXXX Travel Insurance policy.
    You may be able to find suitable cover if you contact a broker or have a search on google"

    Even though "racing on foot" seems to be exempt in the Exclusions. There will be rest and relaxation after the marathon though.
     
  5. Leo

    Leo Moderator

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    9,155
    That is unusual, did they explain what racing on foot they do cover?
     
  6. losttheplot

    losttheplot Frequent Poster

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    I'll have to give them a call for further explanation. It seems strange to specifically mention racing on foot though.
     
  7. Leper

    Leper Frequent Poster

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    666
    You'll give them a call; they'll tell you your're insured against every event . . . and under their breath (as they hang up) . . . "until you claim." The insurance services of Ireland are terrific, they have small print that ensures you're insured for almost nothing. Eventually, if you claim their negotiators will try to bargain the payout to as little as possible. All they want is your money and subsequent commission earnings.
     
  8. noproblem

    noproblem Frequent Poster

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    1,175
    Racing on foot, running, jogging, walking fastish. It could be argued that none of these is running on foot, or should I say, the insurance co could argue that point (if you know what I mean), eg, they have already said the following is not covered, "any organised
    sporting holiday or trip;" which would suggest no cover.
    In any case and as Aaron asked as well, did you get insurance?
     
  9. losttheplot

    losttheplot Frequent Poster

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    277
    I've being playing voicemail ping pong, so haven't got to speak to them. Can't imagine I'd get anywhere with them though. I'll update if I do.
     
  10. Ravima

    Ravima Frequent Poster

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    2,364
    Name them, not shame them, but name them that we will be aware of them.