the vision of the mountain interprofessional union

Unlike the National Union of Mountain Guides (SNGM), the Interprofessional Mountain Guild (SIM), which has 300 guides among its members, does not consider itself threatened by insurance risk. In this forum, Yannick Vallençant, the president of SIM, supports the vision and “solutions” of his union regarding the insurance of mountain guides.

At a symposium on June 13, and then in an article by Montagnes Magazine on 22 June, the Syndicat National des Guides de Montagne (SNGM) presents a vision and insurance situation for guides that are their own and that cannot be extended to the whole profession.

Indeed, the Syndicat Interprofessionnel de la Montagne (SIM) proposes its member guides (which now represent some 20% of active guides in France) an alternative and the perspectives are very different from the creation in 2014.

Mutualisation and adapted pricing

The corporate isolation that has continued to prevail over SNGM since 1946, SIM opposes a particularly useful principle of broad mutualization in insurance: at SIM, mountain guides share risks and insurance with more than 2,000 professional sports educators , from the mountains to the sea, but also with hundreds of thousands of subscribers via the MAIF.

This has the dual benefit of maximizing the volume of subscriptions and diluting the risk of the most accident-prone professionals, making SIM-negotiated contracts particularly secure and attractive to both insurers and policyholders. On the other hand, the SIM flatly denies the benefits of its insurance contracts and distributes them at a constant price, which reduces costs for guides.

Plus, they have SIMs independent guide or collective structure fair value according to the principle of tariff fairness, depending on the objective risks of each and the guarantees required – when the SNGM, for example, prefers to charge all independent guides for guarantees that only between them (for example the insurance of company structures and offices or the activity of cordists) or should be taken care of for the clients of the guides themselves.

Acceptance of risk by customers

Finally, in order to reduce the legal and financial risk, the SIM has implemented since 2019 a special process of informing and accepting the customer about the risks of the objectives of the most accident-prone activities, thus reducing the possibilities of recourse and abusive damage in case of accident.

Thanks to the constancy of its approach, the SIM is thus able in 2014 to offer a range of extended contracts and guarantees, accessible from 100 € only for guides in 2022. SIM is thus experiencing a growth of almost 40% this year, with more than 1000 members now.

We therefore reject that a situation and problems that are specific to the SNGM are assimilated to the entire profession of guides, when it needs above all, in terms of insurance as elsewhere, clear, transparent and honest information and of solutions for the future.

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