Archive for the ‘Insurance’ Category

Guide’s (BMG/BMC) pushing up the cost of Insurance

Monday, June 2nd, 2008

‘Making Claims’, is the heading of a small clipping: ‘With an estimated 700,000 (only one percent are members of the British Mountaineering Council) people in the UK participating in climbing, mountaineering and hill walkers, law firms are predicting an increase in the number of personal injury claims associated with accidents in the outdoors.
Nigel Yates, managing partner at Manchester law firm Horwich Ferrelly believes the trend for litigation (a supposed American disease) will increase following a recent case in which a professional mountain guide was found to have acted negligently following the death of – two (we have no further details – as yet) climbers (clients) in the French Alps.
“A guide must decide on the safest course of action in light of all prevailing circumstances, such as the weather, deteriorating snow conditions, the ability of the client to complete the route, risks of rock fall and so on,”  says Mr Yates. “Should an accident occur, a guide must bear in mind that he may have to justify his actions in court.”
In response to this legal prediction, an increase in litigation, the British Mountaineering Council has a cunning plan. It has announce on the 20 September, 2005, its Expert Witness Register: “To help protect our freedoms in these increasingly litigious times, the BMC  is setting up a Register of Expert Witnesses.” Interestingly, the main litigation in recent years has been induced by members of the BMC loosing clients (BMG). ” The Latest News goes on: “This is to enable the BMC to collect data (from these expert BMC members) about the sort of cases that are coming to law (so it can advise on best practice and take action in the – interest of the community) those on the Register will be required to contribute to a Case Reporting System.” To this end, the BMC is starting ‘its own’ Expert Witness Courses’: Those wishing to register need to meet – stringent criteria and undergo, or have undergone Expert Witness Training (EWT). The first BMC Expert Witness training seminar will be held at Plas-y-Brenin in North Wales (of course) over the weekend of Saturday 29 and Sunday 30 October, 2005, and will cost each candidate 250 pounds sterling…” So there we have it, due to loosing too many court-cases members of the BMG /BMC are to be trained in legal matters, not stop the cause of accidents that may lead to litigation – but prepare to win at all costs regardless of the truth of the matter…
http://www.chamonix.net/english/news/2009-08-13.htm
There is apparently, no cure for ineptitude: The Independence, Sat, 21 June, 1997, page 7: Young Daniel won his claim against a BMG/UIAGM/IFMGA mountain guide, compensation for the premature loss of his father in – 1990. He and his mother were made to wait – seven years before finally being compensated.
Andy MacNea (BMG) and national officer of the British Mountaineering Council (the autonomous BMC) said: “I am astounded that anyone should say that the use of a two-ice screw and single-ice screw belays are ‘elementary and fundimental’ practice, particularly in the Alps. Speed, is your prime concern in the Alps.” Comment: Especially, when your client has just arrived from the UK, living at sea-level for the past year. To then be taken to a much higher altitude before he is acclimated and then expected to move at ‘speed’? Speed is you first concern? Your clients welfare is your main concern – surely?
Andy MacNea: “In a guiding situation you make judgements. You have to be free to use whatever is appropriate.” Comment: In the case of the North face of the Tour Ronde, the use of the ample; readyly available ‘rock belays’ would have been appropriate in this fatal case. Roger Payne, General Secretary of the (BMC) said: “It would be wrong to think that by using a particular belay method that the safety of a party on an alpine route can be guaranteed.” Comment: In the BMC’s Courses Booklet in 1990, is states: ‘Many of these ads also advertise specific mountaineering courses (Alps) which are also run by appropriately ‘qualified’ instructors; guides.’ Those BMG guides advertised for many years through the pages of High Magazine the ‘official’ magazine of the BMC: Adventure with Security and Safe Guarantee’s? All of those advertised climbing course also supposedly met: ‘Strict BMC criteria.’ So much for – strict BMC criteria…
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British mountaineering Council offers Insurance (6 Feb 2003)

Monday, June 2nd, 2008

On numerous occasions climbers have sighted a preference for BMC insurance because ‘no money goes to shaeholders’ the money being ploughed back – into climbing. Fortice, who provide the BMC’s Travel Insurance certainly have share holders. Interestingly, General Accident Fire & Life Assrance pls of Perth, Scotland (GA) are sited as the BMC other insurers (Feb 2002) for Climbers Personal Insurance. Becareful if buying BMC Personal Assurance because GA, no longer exist. In fact, GA were taken over by Commercial Union who in turn, some years ago were tajen over by – Norwich Union.
Yet today,the BMC show GA as the company who will honour (if you are luck) any claim made. Norwich Union, certainly have – shareholders. As I have had dealing with a Norwich Union claim over a five year period (thye rubbished my claim for 150 pounds sterling) after NU lost 450,000 pounds sterling in a libel case brought against the NU in 1997. From that moment all cases in the NU pipeline were domed to failure as the NU had already just lost toomuch of its shareholders profits. Potential buyers of personal climbing insurance with the NU (the BMC is an agent) beware…
A woman climber, who’s husband died whilst being covered by BMC insurance (his guide was also covered under BMC insurance), waited – seven years before she was finally compensated for her loss. She is quite certain that obsticles were put in her way to spoil her claim (file a claim within three years). Having won her – test case (she should have been compensated out of court) an appeal was actually considered against her just reward.
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Your Right to Compensation (16 Dec 2002)

Monday, June 2nd, 2008

Daily Mail, Dec 14th, 2002: ‘The Welsh Rugby Union (WRU) has paid out an advanced payment of 91,000 pounds sterling to an amatuer rugby player who was seriously injured whlst participating in the sport of rugby.’ This latest ruling will have ‘horrendous consequences’ for all sport, according to the WRU.  The WRU is expected to settle a claim for millions more and is considering appealing against the ruling which appears to make sports’ governing bodies responsible for – a duty of care… Step forward the BMC who have / are advertising / enticing young people of ‘all / any age’ to participate in the potentially lethal sport of climbing.
Thus far, the BMC have enticed too many young climbers into the sport via the use of artificial climbing walls thus creating – artificial climbers through the – back door. No prior hill walking training etc., etc. Going out into outdoor environment for the first time actually believing that they can – climb, is causing any number of problems, no doubt, some of them, avoidable fatal accidents. 
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Frequently Asked Questions

Monday, June 2nd, 2008

On the 27 June, 2002, I received an email from Graham McMahon MIC/ BMG, a recently qualified  UIAGM guide in response to the Frequently Asked Questions page: ‘As a Plas y Brenin instructor (who is doing quite nicely from the £450,000 yearly being pumped into PyB by the Government to sustain the centre on the open market – otherwise it would fail)  I found your description of the guiding profession rather misleading. I can only assume you have had some terribly bad luck (I know parents of dead BMG clients who certainly have) with your contacts within guiding or you are a sad old man with a chip on his shoulder.’ Which is far better than being a ‘sad climber’ who actually believes; that his association is competent in  – all aspects of clients care when it blatently isn’t.
A sad old man, for wanting the avoidable deaths to BMG clients due to basic errors by BMG guides (who almost to a man have survived) to stop.!  Certainly, there are a growing number of ‘sad old men and women’ parents (who have lost a son or daughter, clients of BMG guides who have many unanswered questions to put to the likes of Graham McMahon) who are reaching old age having lost not only a child, but the prospects of any grand children to an organisation that still advertises that its members are – competent in all aspects of client care.? When some of its members are blatently – not.
That the above attitude towards the relatives of lost BMG clients, still prevails, (in 2010 Jon de Montjoye UIAGM actually beleives it is completely barking to want to stop deaths to paying clients) beggars belief.  If there are any – sad men (and I include Mr McMahon and de Montjoye), it is those BMG guides who to date (2010) have still refused, are still refusing to acknowledge; appologise for their actions and attitude to mountain clients and their relatives…
Q)  Dennis are you a member of the BMG/UIAGM?
A) No, like Mal Duff (who had few peer’s) I am not happy with the BMG/UIAGM set-up. Like him I would not join them. Far too many (there should not any) clients being killed in avoidable guided, climbing accidents, families then being left to sort out; live with the aftermath.
Q) “Is that you Dennis, the – geezer – remember me from Chamonix – Steve Rock. Great days on Mont Blanc. I am married now with kids…”
A) “Hi Steve, of course I remember you…” Yes, all the clients are still around bringing up families now…
Q) I know you have never ‘lost’ anyone, any injuries to clients?
A) Two broken ankles. Never jump across a crevasse whilst wearing crampons still wearing your rucksack. We were throwing rucksacks across a wide crevasse (on a retieval line) when one client took a running jump (not thinking) carmponed feet came to a dead-stop whilst weight of the sack carried on forwards… It happened on two occasions before I could stop them.
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Insurance Scheme?

Monday, June 2nd, 2008

‘We have a comprehensive insurance scheme (BMG).’ Really!

Try claiming on it!

After BMG client, Mr P. Pope, failed to obtain compensation for his injuries in 1994(he had beeen allowed to place all of his own protection by his guide/climbing instructor and in the ensuing fall injuring himself seriously he should not have been allowed to hit the ground from the second pitch of a muli-pitch climb), an article in High Magazine - “A Triumph for Common Sense,” by Steven Venables, stated: that the American ‘need’ for compensation had been stopped from entering the climbing scene in Britain.’ Really! He went on to write – she went on (Diana Cotton QC): “you must acknowledge and accept the risks you take and not expect to off-laod your responsibility on others.” Continuing to the heart of the matter, she said: “I believe that Mr pope thought that having paid or a guide, he was entitled to have his safety guranteed. Since he fell and was injured the guide must have been at fault To engage in what even he regarded as a high risk sport in that frame of mind was foolish.” The verdict of just one woman.

It is more than probable that she was not aware of the fact that, at the time of Mr Pope’s accident the BMG were advertising: ‘We have a comprehensive insurance scheme’, – the same advert offering – guarantees… And yet, another court-case was already pending against another BMG guide, that case had been in progress for many years in fact since 1990 (1990 -1997)(Hedley v Cuthbertson). For the first three years, the widow of a BMG client, Gerry Hedley could get no co-operation from the French police / authorities (the information that she and her lawyer required from Chamonix arrived three years and four weeks later). This pushed (probably quite deliberately) her over the three year cut-off point under British law.

Mr G. Hedley was dragged from the North Face of the Tour Ronde in July 1990; trying in vain to arrest his BMG guides fall, he was catapulted from the mountain to his avoidable death (the guide survived). Seven years later, his widow and their young son (who Mr Hedley never saw) were finally compensated, even then, an appeal against the judgement in Mrs Hedley’s favour – was considered. A letter printed in High Magazine actually admonished the BMG for not standing together to spoil the widows just claim. Fortunetaly, she was able to claim through her young son.

Mr Gerry Hedley, is desribed by the American National Art Gallery as one of the worlds leading experts on art restoration at the time of his death (New York Times).

Mountain clients, are entitled to compensation, that in these two cases, it went to litigation is not the clients fault. We have a comprehensive insurance scheme was/is an enticement; another supposed safeguard for potential BMG mountain clients. The claim in fact, was bogus – a word that the BMG likes to use in its dirty tricks against what it perceives, to be their competition…

It is interesting to note, that in each avoidable fatal accident to BMG mountain clients, the guide has invariably (bar two) survived.

In responce to the Venables article: ‘A Triumph for Common Sense.’, The following ‘letter’ was published.

‘A Guiding Principle.’ John Gillman, ‘Letters’, High Magazine, May 1996

‘Dear sir, As a climber and as a solicitor currently involved in a High Court Action against a British Guide (Hedley v Cuthbertson 1990-1997) arising out of a fatal mountaineering accident, I read Steven Venables’s article entitled ‘A Triumph for Common Sense’ in the March issue (of High) with more than a passing interest. I certainly share Steven Venables’s contempt for the kind of mentality that assumes that someone can always be blamed for one’s own misfortunes. I also strongly believe that every individual should have some responsibility for his own destiny. However, it seems to me that Steven Venables is using good arguments to make a bad point. The implication of his article is that because climbing is an inherently dangerous activity we must all accept whatever misfortune befalls us without recourse to the law. Of course the vast majority of mountaineering accidents are precisely that; namely accidents where any attempt to point a finger of blame at an individual would be quite wrong.

But is Steven Venables really suggesting that if there is a genuine case of an innocent party being seriously injured or killed as a result of another climber’s clear negligence that it is wrong in principle to go to Law? The question is particularly pertinent in the commercial guiding situation. One of the things that the guide is specifically paid for is his or her professional competence. If a guide is incompetent and negligent and that negligence causes serious personal injury or death, why on earth should the climbers or the climber’s family not seek compensation? If one is ‘injured’ in such a situation, seeking compensation is not a denial of responsibility for your destiny. Would Steven Venables suggest that someone who is knocked down on a zebra crossing by a speeding driver and seriously injured is denying responsibility for their destiny by seeking compensation?’

Would Steven Venables deny a family from claiming; seeking compensation for damage caused by a hospitals mistake; Cerebral Palsy, or Autism to their new born baby. Having a baby has many risks and many babies die at birth (my own son lived for 31 years with severe Cerebral Palsy I never dreampt of seeking compensation).

Of course, climbing is an inherently dangerous activity and that is something that has to be put into the balance in deciding, in an individual case, whether it would be right or wrong to go to Law. But to suggest as Steven Venables does, that it is wrong in principle is, I think, a flawed argument.’

Litigation could; might be the reason that Mrs Alford, the owner of 57 acres of Dartmoor on which stands, Vixen Tor, has banned access to her land. Ramblers and climbers have had free access to the moorland area for many years, walkers meerly passing through and admiring the specticle that is Vixen Tor, climbers, lingering longer to attack the few, short climbs on offer. Concern that climbers could hurt; injure or even kill themselves in an age where falling-off is apprently now encouraged, could be one of the reason’s for the ban. In an age of litigation along with new, irresponsible climbing ethics Mrs Alfords own insurance has most probably been increased. Mrs Alford is now also aware, that members of the British Mountaineering Council have abused open access to the environment by deliberately damaging, by drilling and placing expansion bolts (against the wishes of the vast majority of British climbers), in cliffs and crags from Lands End to the Highlands of Scotland. This includes SSI – sites of scientific interest…

Adding weight to Mrs Alford’s argument, regarding possible litigation claims against her, during a recent (24 September, 2005) mass (forty – out of 4 million hillgoers turned up) demonstration on her property against her closure of Vixen Tor, the demonstartors declined to wear protective; climbing equipment (the wearing of head protection would have added weight to their erronious claim to be sensible climbers) when they scaled to the tor (on her property) to have lunch…

Not satisfied with turning unquarried rock into Sport Climbing venues, they have chosen to damage further the Cornish and Devon(climbing) environment even on private property… Why should Mrs Alford have to take addition insurance just because of the selfish antic’s of a few.

There is Another, a New kind of Comprehensive Insurance Sheme

BMC launches online Expert Witness Register…

The British Mountaineering has created another inititve: The Expert (BMG) Witness Register. This scheme (scam) is so that the legal profession can find expert witness for cases (invarably against BMG guides) involving, hill walking, abseiling, outdoor and indoor climbing – outdoor pursuits including mountaineering. Each candidate has undertaken BMC expert witness training and has met – rigorous selection criteria including (of course) the most appropriate qualification of them all – being a member of the – British Mountaineering Council…

The legal profession can now, for the first time, call upon the Register which acts as a ‘guide’. So there you have it. BMG expert witnesses on hand; being called upon to add their qualified support to other BMGuides who may find themselves embroiled in future court-case’s.

The picture below shows exectly how Mr Hedley was left on that fateful day – belayed to the North Face of the Tour Ronde in 1990. The belayer in the picture, is fastened to just – a single ice screw. Another accident waiting to happed. Unlike the picture, there are no comfortable belay stances on the Tour Ronde. As seen in this picture, two ice axes have been left ‘out of” the belay – as happened, in 1990.

Survive_4

The picture left accompanied an article entitled: ‘Protect and Survive’ in High Magazine (the official magazine of the BMC) about a ‘safety’ seminar at Plas-y-Brenin in – 1989 – just one year prior to the Tour Ronde fatal acident.

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