Ice Climbing & Life Insurance

Ice climbing is an activity that insurers do feel is more risky than say sitting in an office, where the possibility of a big fall is quite unlikely.

With your ice climbing it’s really important to find the right life insurance provider for you, from the start. The problem you can sometimes have with hobbies is that with some insurers the prices can quickly shoot up. This is where our team of expert advisers can help you.

When you speak to our advisers we will ask you:

• How often do you go ice climbing?
• Are you free climbing or using safety equipment?
• Are you part of a group or solo caving?
• Do you abseil down after the climb?
• Where in the world are you ice climbing?

You will find that some life insurance providers will increase your premiums a lot, because of your ice climbing. When we say a lot we really mean it, you can find with some insurers that your life insurance is priced  at hundreds of pounds per month.

Not all insurers will do this.

You might be able to get life insurance with a small premium increase, or the insurer you use might offer you life insurance with an exclusion related to any claim related to the ice climbing. It’s always best to avoid an exclusion, but if it’s a choice of an exclusion or no cover at all because the rest are too expensive, then it might be worth considering.

Our advisers will help find the right insurer for you to get you the best terms for life insurance.

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

Critical illness cover with most insurers will be offered with an exclusion related to ice climbing. There are certain parts of critical illness policies that you are more likely to claim on, given your hobby.

This is things like traumatic brain injury, loss of a limb, paralysis and some others too. You are still covered for these things when you are not ice climbing.

It’s really important as well to know that critical illness cover does not usually cover things like broken bones, dislocations or muscle injuries. So if you are wanting cover for these things, there are other insurances that are more suitable for you.

Our award winning advisers are here to find the right insurer so that you get the best terms for critical illness cover.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Income protection can often be available with a number of insurers, but the options you have can vary a lot.

Some insurers will add an exclusion for claims that happen when you are ice climbing. Some insurers can potentially offer you income protection without exclusions, if you have had no injuries or accidents in the last few years.

Our expert advisers are here to find the right income protection policy to support you and your hobby.