In reply to MG:
> You assume the OPs mate is a "rip off merchant" which based on what he wrote seems unfair. Of course he could be lying but it didn't come over that way to me. And he did follow "due process" the letter from the insurers is copied somewhere above - they refused the claim.
I agree - there is some confusion of the thread - Robert Durran and offwidth seem to be suggesting that
a)The BMC shouldn't pay out in all claims. I totally agree, however there is no suggestion that the OP's claim is one.
b)The matter shouldn't be discussed as it is somehow "ongoing". I disagree the claim was submitted and refused. It may well be re-examined - but that is enough to sound alarm bells to those of us with BMC insurance.
c)The "BMC" is a different entity form "BMC insurance", Well, technically it might be but the fact that
1) the insurance is marketed by the BMC in all the bumf we get sent every year,
2)is called "BMC insurance",
3)is sold in categories such as "Trekking", "Alpine and ski" and similar climber specific titles,
4)in order to get insurance you need a BMC membership
5) the BMC presumably makes money from the insurance
would all suggest that trying to separate the insurance from the organisation is pointless.
As a BMC member and a holder of annual insurance, I would simply like to know (in vague terms if necessary) why was this claim refused - the reference to clauses in the OP is by no means clear.
This will enable me to make a decision on whether this so-called climbing insurance will cover me for what I want. On the current information it doesn't appear so. The suggestion is that "someone" has decided that this was not a suitable case for a rescue - and as yet we are still unclear why, whether that be an "emergency taxi" or a clause in the small print.