Guides Insurance: The Mountain Professionals Association's Vision

Guides Insurance: The Mountain Professionals Association’s Vision

Unlike the National Federation of Mountain Guides (SNGM), the Interprofessional Mountain Union (SIM), which has 300 guides among its members, does not consider itself under insurance risk. In this forum Yannick Valenkant, President of SIM, defends his vision and “solutions” for his union regarding securing mountain guides.

During a seminar on June 13, then in an article by mountain magazine On June 22nd, the National Federation of Mountain Guides (SNGM) presents a vision and status regarding insurance for its guides which cannot therefore be extended to the entire profession.

Indeed, Syndicat Interprofessionnel de la Montagne (SIM) has been offering guides to its members (who now represent about 20% of active guides in France) with alternative and very different perspectives since its inception in 2014.

Adaptive aggregation and pricing

To the corporate isolation that has continued to rule in SNGM since 1946, SIM opposes the principle of broad exchange that is particularly beneficial in terms of insurance: in SIM, mountain guides share risk and insurance with more than 2,000 professional sports teachers, from mountains to sea, but also With hundreds of thousands of subscribers via MAIF.

This has the double advantage of increasing the volume of subscriptions and reducing the risk of the most accident-prone professionals, making SIM-negotiated contracts particularly reassuring and attractive to the insurer and subscribers. On the other hand, SIM rejects any profit sharing in the profits of its insurance contracts and distributes it at cost price, which makes it possible to reduce evidence costs.

In addition, in each SIM card Independent directory or group structure Contributes equitably according to the principle of customs fairness, according to the objective risks of each and the guarantees required – when the SNGM prefers, for example, to have all independent guides pay for guarantees of interest only to a minority of them (for example securing company structures and offices or the activity of access technicians using ropes ) or which must be borne by the clients of the guides themselves.

Customer acceptance of risk

Finally, in order to reduce legal and financial risks, since 2019 SIM has implemented a specific process of informing and accepting the customer about the objective risks of the most accident-prone activities, thus reducing the possibilities of recourse and compensation. In the event of an accident.

Thanks to the consistency of its approach, since 2014 SIM has been able to offer a range of contracts and extended guarantees, accessible from just €100 for evidence in 2022. The SIM is thus experiencing nearly 40% growth this year, with more than 1,000 members now.

We therefore refuse to accommodate the situation and problems of SNGM in the entire profession of guides, when the latter, above all, in matters of insurance as elsewhere, needs clear, transparent and honest information and future solutions.

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