In-Sewer-Ants

Ok guys, me and tom are going to try and blag some annual insurance off imperial from BMC so have been looking for a separate policy for you guys.
Have had a bit of a search today and on the recommendation of a few boaters is this company, this policy covers Grade 5 boating which is pretty rare and it seems a fair price. Will keep looking but i think this may be the mutts nuts

http://bit.ly/jI3eBn

£364.61 for 4 people = £91.15 each

Additional Activities Up to 'Activity +' (this includes grade4/5 kayaking, inland only)
Winter Sports no
Cancellation & Curtailment £3,000
(£50 Excess)
Personal Accident £25,000
Medical Expenses £5,000,000
(£50 Excess)
Hospital Benefit £50 per day
Baggage & Personal Effects £1,500
(£50 Excess)
Money & Documents £750
(£50 Excess)
Travel Delay £3,000
Missed Departure £300
Personal Liability £2,000,000
Legal Expenses £25,000
Search & Rescue £50,000
(£500 Excess)

also don't know if anyone has any fancy home insurance which covers their stuff?
Step 2 - Save 20%
If your baggage, personal effects, money and documents are covered under your home insurance policy, you can remove this section from your quote and SAVE 20%. If you would like to remove this, please tick the box.

That does sound pretty good.
...is there any more information under 'Cancellation & Curtailment £3,000'
Such as failing exams and having to do resits?
Either way I reckon its worth a go.
Has anyone got any objections or can we get this booked before Friday?

(Just semi out of interest, how much is your annual insurance?)

Single trip policy for HBIS seems to be the same price as annual insurance.
Makes sense to go for the annual insurance?!

sorry have been a bit busy. Yeah you seem to be right, that seems like a ridiculously good offer, i think me and tom may go for that too. Is everyone happy with this?
if so i will ring tom today and if we have enough money in the account get it if not will let you guys know how much to put in

looked up insure and go and they do say they cover kayaking but:
InsureandGo cover white or black water rafting (grades 1 to 4) free on all our travel insurance policies. If you will be taking part in white or black water rafting (grades 5 to 6), you will need to pay an additional premium. Please call our Customer Services Department on 0844 888 2787 to add this cover on to your policy
which makes me less happy about them but after "tailoring your insurance to you" they are ~£56 for annual insurance.
What do people think?

Adrenaline (now called Perkins and Slade) (or something), are very good at paying up.
For a single trip the price is £64, for annual...I didn't get that far.
Is that Annual £56 after you have called them to add super gnarly rafting Will? (also, if you do call them you know about 0800 buster and 'Saynoto0870' right? If not, google).
EDIT: Annual is £124
Just tried again with Perkins Slade and it's Single Trip £76 specifically for sports with Kayaking up to all grades. 0845 260 1574
Looks like Insure and Go is worth persuing by phone to make sure they do include the higher grade rafting.

ok just rang insure and go and it costs £5 a day for grade 5 which rules them out
at the moment it's looking like £91 for annual insurance or £64 for a single trip.
Which do people want?

I booked mine last week because I was shitting myself about exams and took the unlikely gamble of taking out insurance if I failed.
I went for the year long HBIS one. £91

ok cool. i guess it's easiest if everyone books whichever one they want individually