View Full Version : injury insurance for whistler pass?
eeyun
03-09-2004, 04:52 PM
Is there any way you can get injury insurance on a Whistler bike park pass?
The reason I ask is because you need to go 9x to pay it off this year. It'd be pretty sweet if for an extra bit of $ you could get insurance in case you hurt yourself and are out for the season.
It'd be cool if they'd refund the cost for the number of days you didn't use.
I don't know if this would make good financial sense for whistler though...
any thoughts?
Heatmizer
03-09-2004, 06:55 PM
Ummm, good luck.
Unless of course Whistler offers insurance for it's winter passes already - but I really doubt it.
It's not their problem you got hurt, so ride safe
you know thats a interesting point...
cuz the seasons pass cost, is one of the main reasons i use to factor in my daily courage limit...
who wants to "try" something your not guite sure u can do, and miss the whole season...
while i wouldnt be interested in a "injury" refund type policy, i'll just stick to only hitting what im sure i can land...
better to "if in doubt, chicken out" and ride healthy next weekend, then risk it and be out for the season...
well at least in my universe thats how it works out...
;)
OptionaL
03-09-2004, 07:20 PM
Originally posted by IFO
you know thats a interesting point...
cuz the seasons pass cost, is one of the main reasons i use to factor in my daily courage limit...
who wants to "try" something your not guite sure u can do, and miss the whole season...
while i wouldnt be interested in a "injury" refund type policy, i'll just stick to only hitting what im sure i can land...
better to "if in doubt, chicken out" and ride healthy next weekend, then risk it and be out for the season...
well at least in my universe thats how it works out...
;)
how can you progress
NooNer
03-09-2004, 07:30 PM
Originally posted by OptionaL
how can you progress
you can become smoother and faster, but going bigger, higher etc ... will lack progression.
i find for myself, to go in small increments in size of things to build up confidence for larger things.
as for the injury insurance, i think thats a realy good idea, i know most local mountains here have it, so why wouldnt a resort as large as whistler have the same idea?
im more concerned in riding every chance i can then "progressing'...
im to old to be worried about keeping up with the Groms...
;)
dont get me wrong i still learn new stuff by the end of each season...but its by no means a important part of my daily ride...
having a good time is most important...
Darklord
03-09-2004, 08:51 PM
I'm with you on that one IFO.
I'm stoked to have such a great hobby, 20 years after my first bike (BMX). I missed most of the 2002 season with a seperated shoulder, and it missing out on what you love hurts!
Skissors
03-09-2004, 10:23 PM
Looking at it from the seller's (Whistler) point of view that would make absolutely no sense. Once you have a consumers money, you don't want to have to give it back. To offer an extreme sportsman money back if he injures him/herself while participating in that sport would only cost them more money. Also consider people who realise they may not be able to go as often as they had hoped (say they know they're going to miss the second half) they could easily fake an injury to receive money back. You also have to take into consideration how many peopl will say they had injured themselves but were not able to come up to let whistler know (because of the injury) when really they just didn't feel like going up or they couldn't find transportation up there, and will try to get money back.
Although it may look like a good idea from your point of view, it would not be a wise choice for Whistler.
Vps Hucker
03-09-2004, 10:34 PM
i agree with Skissors. of course you could argue "well t.v.'s come with insurance and the company knows they might have to give some of the money back once they've got it" but then again t.v.'s don't break down that easily (newer ones anyways) but riders do. so when a t.v. company gives you insurance on it they pretty much know that nothing will go wrong in that time. but as for whistler they could bet money that someone's gonna get injured whether their faking it or not.
so i doubt they'd do anything for ya, as good of an idea as it is.
but hey i might be totaly wrong. go for and find out, you'll never know unless you ask right?
Sharon
03-09-2004, 10:34 PM
The insurance is for if you get injured and can't use your pass you can get a refund.
WB is not in the business of insuring customers...
Mount Seymour used to do it for skiing/snowboarding...
put the pressure on.
barry
03-10-2004, 12:07 AM
They have insurance on the winter passes.
Lady Gravity
03-10-2004, 12:11 AM
Originally posted by barry
They have insurance on the winter passes.
ok now, let's compare the cost of a bike pass vs. a ski pass...
unfortunately, i highly doubt this will happen, however, ya never know.
i'm with IFO - take calculated risks. the trail/stunt/whatever will be there tomorrow, if you dont feel 100% sure of hitting it up today.
eeyun
03-10-2004, 10:35 AM
I'm only asking because I know Cypress used to (or maybe still does) offer it for one-nighter passes, which are cheaper than the bike passes at whistler.
I'm really just curious. The fact that they don't offer it wouldn't deter me from buying a pass, it'd just be a nice option.
Oldfart
03-10-2004, 11:00 AM
They have it for the ski pass. I think its $15 on top of the $1200 or so it costs at the early bird rate. But they pro rate the refund. i.e. they take off the number of days you have on the pass at I guess the normal daily ticket price and take that from the pass cost. Plus I think there is an admin fee, maybe not. I got the insurance this year because both the wife and I have had injuries the last bunch of years, although only once would the insurance have been worthwhile. The time I blew my ACL on day 6 in December. My other blown knee was on day 32 so there would have been no refund. Break even day is around 20 days for a ski pass.
Skier's season pass insurance is available from a lot of insurance companies. Sometimes the ski areas get into bed with the insurance companies and offer the pass insurance when you buy the pass, but it's the insurance company, no the ski hill, that's selling insurance.
Cypress has their "pass guard" program, but it's through an insurance company.
Someone has to approach an insurance company and ask about biking passes!!
Kn.
eeyun
03-10-2004, 12:04 PM
Originally posted by KenN
Skier's season pass insurance is available from a lot of insurance companies. Sometimes the ski areas get into bed with the insurance companies and offer the pass insurance when you buy the pass, but it's the insurance company, no the ski hill, that's selling insurance.
Cypress has their "pass guard" program, but it's through an insurance company.
Someone has to approach an insurance company and ask about biking passes!!
Kn.
That's interesting Ken. Thanks for the heads up. :)
sAFETY
03-10-2004, 01:02 PM
You folks saying it makes no sense haven't worked the math through.
Say 10,000 riders buy season's passes for $300 each. For an additional $50, 10% of those riders buy pass insurance.
So, you've got $50,000 going towards rider insurance kept in some sort of fund.
Now, during the season, make it difficult to fake an injury (require a doctors note as they do during the winter, that says you'll be out for the season).
For the point of this arguemtent, assume that 5% (a VERY high estimate) of the riders our knocked out for the season, and assume that the average of those riders used 5 days on their pass.
If the pass insurance is set up to remunerate riders for the days of riding they can't make up due to injury, then these riders should get 50% of their passes value in return (obviously not including the $50 insurance fee).
So out of that 1000 riders, 50 must get paid out $150 for a total of $7500.
Subtract that from the $50,000 they took in from selling the insurance in the first place, and the resort has $42,500 left over to pay for intrawest's CEO to helicopter his favourite prostitute from Vancouver in for some afternoon delight.
I'm not claiming that they're going to do it, or even if it's worth bothering for Whistler, but you guys should really think things through before forming opinions and writing things off.
Lady Gravity
03-10-2004, 01:32 PM
Originally posted by sAFETY
For the point of this arguemtent, assume that 5% (a VERY high estimate) of the riders our knocked out for the season, and assume that the average of those riders used 5 days on their pass.
interesting argument definitely. however...before you use 5% as an injury number, maybe doublecheck with the whistler hospital. i'd be really interested in knowing what the injury rate for last year was, i think it was pretty high.
maybe someone should get some feedback from whistler on the insurance idea.
fr33k
03-10-2004, 01:45 PM
Originally posted by IFO
im more concerned in riding every chance i can then "progressing'...
im to old to be worried about keeping up with the Groms...
;)
dont get me wrong i still learn new stuff by the end of each season...but its by no means a important part of my daily ride...
having a good time is most important... good call there. Having a blast is far more important to me than getting that extra few feet off a jump.
sAFETY
03-10-2004, 01:58 PM
Originally posted by Lady Gravity
interesting argument definitely. however...before you use 5% as an injury number, maybe doublecheck with the whistler hospital. i'd be really interested in knowing what the injury rate for last year was, i think it was pretty high.
maybe someone should get some feedback from whistler on the insurance idea.
I'd say that's a very favourable estimate as in all the times I've been to the Whistler Hospital (about 4 times a year for the last 3 seasons) theyseem to be populated with beginners who wouldn't have a pass anyways, and a few hardcore riders who would have used up their 10 days already.
All in all, it's just $300. Let's face it, if you ride Whistler enough to need a pass you're going to spend that in rims and brake pads alone. If you break yourself to the point where you can't ride anymore, the $300 is the least of your worries.
eeyun
03-10-2004, 03:24 PM
Originally posted by sAFETY
All in all, it's just $300. Let's face it, if you ride Whistler enough to need a pass you're going to spend that in rims and brake pads alone. If you break yourself to the point where you can't ride anymore, the $300 is the least of your worries.
I agree that at 300 bucks, the pass isn't a big issue, especially when you factor in transportation, bike maintenance, and Longhorn costs, but I'm just thinking that if I injured myself and missed out on the rest of the season, I'd be wanting that 150 bucks back for drinking money :)
sAFETY
03-10-2004, 03:41 PM
Originally posted by eeyun
I agree that at 300 bucks, the pass isn't a big issue, especially when you factor in transportation, bike maintenance, and Longhorn costs, but I'm just thinking that if I injured myself and missed out on the rest of the season, I'd be wanting that 150 bucks back for drinking money :)
I want to modify my initial comment. I don't think that it's really worth worrying about for such a small risk for anyone other than Eeyun. I have a feeling that just being in the proximity of so many snowboards might 'cause him serious harm.
eeyun
03-10-2004, 03:46 PM
Originally posted by sAFETY
I want to modify my initial comment. I don't think that it's really worth worrying about for such a small risk for anyone other than Eeyun. I have a feeling that just being in the proximity of so many snowboards might 'cause him serious harm.
:lol: Yah, I'm really just scared to go where snowboards are, or have been now. :lol:
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