Rock climbing life insurance

Rock climbing life insurance

Rock climbers can face many hazards whilst enjoying their sport. As a result, climbers may feel that it is important to consider life insurance, critical illness cover or income protection cover to help meet mortgage payments, pay bills or provide for a family should an accident happen.

Natural climbing hazards that climbers face may arise from such things as:

  • Mountain weather – strong winds, rain, thunderstorms, snow or ‘whiteouts’ that reduce visibility
  • Extreme temperatures – heatstroke on desert climbs to frostbite and hypothermia in winter mountains
  • Natural temperature reduction at higher altitude
  • Oxygen reduction at altitude – with associated issues of acute mountain sickness, high-altitude pulmonary oedema and high-altitude pulmonary oedema
  • Natural environment – rock stability, rockfall and avalanche risks
  • Wildlife

Enjoying rock climbing and managing a variety of climbing risks may involve such issues as:

  • Training in climbing skills, judgement and experience – e.g., personal training from mountain guides, courses, clubs, communities, guides, books, videos
  • Understanding climbing skills – e.g., climbing calls & communication, ropework, anchors, belaying, placing protection, abseiling, emergency and self-rescue procedures in case of a fallen partner
  • Correct clothing – e.g., multiple thinner layers, wicking artificial fibres, quick drying, stretch & flexibility, wet weather protection to keep dry and avoid the effects of windchill
  • Correct equipment – choosing, selecting the right mix and packing the right rock climbing equipment (including correct training, correct use of equipment, care & maintenance)
  • Rock climbing preparation – e.g., route planning, checking weather, assessing skills against challenges
  • Packing for accidents and emergencies – e.g., first aid kit, whistle, charged phone, whistle, map, compass, torch & batteries, spare clothing, food and drink
  • Being prepared – e.g., navigation skills with map & compass, first aid knowledge (e.g., sprains, strains, heart attack, symptoms of extreme heat and cold injuries, effects of altitude, fractures and major blood loss)

Keeping fit to climb and assessing skills against challenges is an important part of enjoying rock climbing and time in the mountains. Also, taking time to think through scenarios including the compound effect of issues, such as, poor navigation, low visibility, tiredness, exhaustion, underestimating the difficulty of a climb, poor route finding, taking longer than expected, sunset times, wet and cold weather can aid your management of risk.

Rock climbing insurance company

Summit Financial Services was established, over 20 years ago, to meet the financial protection needs of rock climbers and mountaineers. This includes offering life insurance, income protection and critical illness cover for a range of climbing (and many other outdoor activities).

Requests for cover for other extreme outdoor sports led us to develop a service for scuba divers (www.scuba-fs.co.uk) and later a wide range of other active outdoors sports under our the umbrella of Sports Financial Services (www.sports-fs.co.uk).

Through regular contact with climbers, over the last 20 years, we have built a great deal of knowledge of climbers needs. This knowledge has also been used to engage with underwriters to represent the different needs of climbers. With some insurers this has resulted in a move away from a simple yes or no climbing tick box to more detailed questions relating to more technical aspects of climbing such as grades, geographic participation, altitude and climbing styles.

We are happy to discuss different types of rock climbing styles, such as:

  • Aid climbing
  • Alpine rock climbing
  • Bouldering
  • Big wall climbing
  • Buildering
  • Canyoning
  • Coasteering
  • Competition climbing
  • Deep water soloing
  • Indoor climbing
  • Multi pitch
  • Single pitch
  • Sport climbing
  • Top roping
  • Traditional (trad climbing)

Also, through regular discussion, we understand that climbers have a strong affinity with the outdoors. This can result in the pursuit of different activities at different times of year. Therefore, we are happy to discuss cover for a wide range of other sports and outdoor activities, for example:

  • Canoeing and kayaking
  • Skiing (e.g., cross country, piste, ski-mountaineering)
  • Cycling (e.g., road, cross country, mountain biking)
  • Mountain biking
  • Skydiving

Don’t worry if you don’t see your other sporting activities listed above. We can offer cover for a wide range of other sports as well – just contact us to discuss your needs.

In addition, we have found that some rock climbers carry their recreational climbing skills into their occupation and also require financial protection for hazardous occupational work, for example, as rope access technicians. Again, we are happy to discuss financial protection needs for a wide range of hazardous occupations.

Insurance company for rock climbers

Because of our history of working with and on behalf of climbers we have built a strong understanding of climbers’ needs and are happy to discuss the technical aspects of climbing including grades and climbing styles.

In addition to climbing, we will also discuss general life insurance issues relating to medical health, lifestyle, occupation and income (if looking for income protection for rock climbing).

Such discussion will help determine the various financial protection products available to you and the premium(s) you have to pay for the particular benefit you are seeking.

Even if you have existing cover in place, we will be happy to discuss rates and the availability of cover for rock climbing life insurance, critical illness cover and income protection even if it only to provide you with peace of mind that the cover you have in place is comparable with current market offerings.

Life Insurance options for rock climbers

Different climbers have different needs based on their lifestyle, level of participation, occupation, mortgage protection and family needs.

Whether you are concerned about an injury, accident or worse affecting your ability to meet your bills, meet mortgage payments or provide for a family then speak to us to discuss your needs.

There are typically three type of financial protection that rock climbers like to discuss:

  • Life Insurance – typically a lump sum to pay off a mortgage, bills or support a family in the event of death
  • Critical Illness Cover – typically cover to provide financial peace of mind in the circumstance that you are diagnosed with a specific condition detailed in the policy
  • Income Protection – if you have concerns that an accident or illness may stop you from working for a period of time then an Income Protection policy maybe something to discuss with Summit Financial Services

Subject to the type of rock climbing activities (or other sports or occupational activities) or occupation that you pursue there may be loadings, restrictions or exclusions applied to certain types of cover.

We work with the whole of market to find cover to suit your needs and are not restricted to a captive or select number of financial protection products.

Applying for life insurance for rock climbers

Because we specialise in climbing and mountaineering, we understand the different needs of climbers and their many different climbing styles. Through our work with the British Mountaineering Council and Mountaineering Scotland we understand that the risks present in climbing can vary depending on the type of climbing that is pursued.

Therefore, we’ll discuss your type and level of participation including discussion on grade(s), geographic locations and altitude limits of your climbing.

As with any enquiry for life insurance cover, we’ll also ask some common questions to better understand you, your climbing and your life, such as:

  • Your current occupation
  • Your need for cover in relation to any outdoor instructional work or hazardous activities
  • Your type(s) of climbing
  • Your climbing grade/s (e.g., sport grade, trad grade, French grade, UIAA grade, Alpine grade, Scottish Winter Grade, Via Ferrata grade)
  • Where you participate in climbing (e.g., UK, Europe, Worldwide)
  • Maximum climbing altitude
  • Sports governing body membership (e.g., British Mountaineering Council, Mountaineering Scotland, Mountaineering Ireland)
  • Current income (if enquiring about cover for Income Protection)

Further to questions about your lifestyle, health, climbing and occupation we will also discuss the duration that you require cover for and the amounts of cover required.

  • Amount (£) of financial protection required
  • The duration of policy – number of years cover is required for
  • The type of policy you required – e.g., increasing, decreasing or level term cover

The combination of your climbing, lifestyle, health, recreation, occupation and other factors (such as those detailed above) will assist in the determination the financial protection options that will be available and the associated premiums.

As we are climbing specialists, even if you have a policy in place elsewhere, we will be happy to hear from you even if this is only to provide you with the peace of mind of knowing how your cover and premiums compare with current market products.

To discover more about the benefits of cover for rock climbers please call and speak to an experienced adviser today.

You can call us for a free, no-obligation quote, on 0345 565 0937.

Alternatively, to enquire online, please click the link above and complete the online form.

Finally, we work closely with our parent company, Suttons Independent Financial Advisers. So, if you require any further information about other financial services such as pensions, investments, mortgages or financial planning please visit www.suttonsifa.co.uk . Your adviser at Summit Financial Services will also be able to refer you to a contact at Suttons who best suits your interests.

Life insurance for rock climbing

Life insurance for rock climbing

Summit Financial Services has been providing Life Insurance, Income Protection and Critical Illness Cover for climbers and mountaineers (and many other outdoor activities) for over 22 years.

Rock climbing has developed over time in various UK places and locations, for example:

England

  • Peak District
    Burbage
    Curbar
    Froggatt
    Horseshoe Quarry
    Millstone Edge
    Stanage Edge
  • Lake District
    Borrowdale – Shepherds Crag
    Coniston – Dow Crag
    Ennerdale & Buttermere – Pillar Rock, Grey Crag
    Eskdale, Scafell & Wasdale – Heron Crag, Scafell, The Napes
    Langdale – Gimmer Crag, Bowfell, Hodge Close Quarry
    Thirlmere – Castle Rocks
  • Cheshire & Merseyside
    Anglezarke Quarry
    Craig Y Longridge
  • Yorkshire
    Almscliff
    Brimham rocks
    Malham Cove
  • London
    Harrisons Rocks
  • Devon
    The Dewerstone
    Hay Tor
    Dartmoor
  • Dorset
    Portland Bill
    Swanage
  • Cornwall
    Bosigran
    Sennen
    Lizard Point
    Land’s End

Scotland

  • Arran
  • Arrochar
  • Assynt
  • Ben Nevis
  • Cairngorms
  • Glen Coe
  • Glen Etive
  • Glen Nevis
  • Isle of Skye
  • Orkney Islands

Wales

  • Anglesey – Gogarth
  • Snowdonia – Llanberis Pass
  • Pembroke – Huntsman’s Leap, St Govan’s Head
  • Gower Peninsula

Internationally climbing has also developed in many regions and areas, for example:

  • Greece – Kalymnos
  • France – Verdon Gorge, Fontainebleau, Chamonix, Les Calanques
  • Italy – Dolomites
  • Spain – Costa Blanca, Costa Daurada
  • Switzerland – Zermatt
  • USA – Yosemite, Joshua Tree
  • Thailand – Krabi

Wherever you travel speak to Summit Financial Services about financial protection to meet mortgage commitments or provide for a family should an accident happen whilst climbing.

Life insurance company for rock climbing

Having developed a deep understanding of the needs of climbers over the years we have used this knowledge to engage with underwriters to represent the needs of climbers and the types of climbing they pursue. Some insurers now make a more detailed assessment of climbing needs based on climbing grades (trad, sport, UIAA, Bouldering, Via Ferrata), geographic location of climbing activities, altitude and climbing styles.

We are happy to discuss many different types of rock climbing styles, for example:

  • Alpine rock
  • Bouldering
  • Deep water soloing
  • Indoor climbing
  • Sport climbing
  • Top roping
  • Traditional (single pitch / multi pitch trad climbing)

If you like to engage with other activities in the outdoors, please feel free to chat to us about other activities, for example:

  • Sailing, canoeing or kayaking
  • Skiing (e.g., telemark, cross country, piste, ski-mountaineering)
  • Cycling (e.g., road, cross country, mountain biking)
  • Paragliding
  • Skydiving

This list is not exhaustive and we can offer cover for a wide range of other sports as well – just contact us to discuss your needs. Such requests for cover, for other extreme outdoor sports, led us to develop a service for scuba divers (www.scuba-fs.co.uk) and later a wide range of other active outdoors sports under the umbrella of Sports Financial Services (www.sports-fs.co.uk) over the years.

Similarly, if you carry your rock climbing skills into a hazardous occupation (e.g., IRATA/ rope access work) please speak to us to discuss the options available to you in relation to financial protection for hazardous occupations.

Insurance company for rock climbing

Our long history of working with and on behalf of climbers has meant we have built a strong understanding of climbers’ needs and are happy to discuss the technical aspects of climbing including grades, climbing styles, climbing locations and altitude.

Such discussions will help us understand your needs and determine the various financial protection products available to you.

Even if you have existing cover in place, it may be worth a quick conversation with Summit Financial Services. Different insurers come to the market over time and others may change their terms. This may mean that different terms are available in the market place than when you first applied for cover. We will be happy to discuss rates and the availability of cover for rock climbing life insurance, critical illness cover and income protection even if it only to provide you with peace of mind that the cover you have in place is comparable with current market offerings.

Life Insurance options for rock climbing

As a climber you may have different needs based on your lifestyle, level of climbing, type of climbing, occupation, mortgage protection and family needs.

There are commonly three types of financial protection that rock climbers like to discuss:

  • Life Insurance – typically a lump sum to pay off a mortgage, bills or support a family in the event of death
  • Critical Illness Cover – typically cover to provide financial peace of mind in the circumstance that you are diagnosed with a specific condition detailed in the policy
  • Income Protection – if you have concerns that an accident or illness may stop you from working for a period of time then an Income Protection policy maybe something to discuss with Summit Financial Services

Subject to the type of rock climbing activities (or other sports) or occupational activities that you pursue there may be loadings, restrictions or exclusions applied to certain types of cover.

We work with the whole of market to find cover and are not restricted to a captive or select number of financial protection products. This includes working with many insurance companies to identify where your requirements and higher risk activities (e.g., climbing above certain heights, climbing grade, type of climbing, professional engagement with climbing, maximum altitude, climbing in remote areas and ice climbing) impact on the type of policies that are available to you.

Applying for life insurance for rock climbing

Here we’ll take a quick look at how an application for rock climbing life insurance, critical illness cover or income protection is processed. Typically, we’ll discuss your type and level of participation including discussion on grade(s), geographic locations and altitude limits of your climbing.

As with any enquiry for life insurance cover, we’ll also ask some common questions to better understand you, your climbing and your life, such as:

  • Your present occupation
  • Your need for cover in relation to any outdoor instructional work or hazardous activities
  • Your type(s) of climbing (e.g., trad, sport, bouldering)
  • Your climbing grade/s (e.g., sport grade, trad grade, French grade, UIAA grade, Alpine grade, Scottish Winter Grade, Via Ferrata grade)
  • Where you participate in climbing (e.g., UK, Europe, Worldwide)
  • Maximum climbing altitude
  • Sports governing body membership (e.g., British Mountaineering Council, Mountaineering Scotland, Mountaineering Ireland)
  • Current income (if enquiring about cover for Income Protection)

Further to questions about your lifestyle, health, climbing and occupation we will also discuss the duration that you require cover for and the amounts of cover required:

  • Amount (£) of financial protection required
  • The duration of policy – number of years cover is required for
  • The type of policy you required – e.g., increasing, decreasing or level term cover

This combination of your climbing, lifestyle, health, recreation, occupation and other factors (such as those detailed above) will assist in the determination the financial protection options that will be available to your particular circumstances and the associated premiums.

Even if you have a policy in place elsewhere, we will be happy to hear from you even if this is only to provide you with the peace of mind of knowing how your cover and premiums compare with current market products.

To discover more about the benefits of cover for rock climbers please call and speak to an experienced adviser today. You can call us for a free, no-obligation quote, on 0345 565 0937. Alternatively, to enquire online, please click the link above and complete the online form.

Finally, we work closely with our parent company, Suttons Independent Financial Advisers. So, if you require any further information about other financial services such as pensions, investments, mortgages or financial planning please visit www.suttonsifa.co.uk . Your adviser at Summit Financial Services will also be able to refer you to a contact at Suttons who best suits your interests.

Life insurance for rock climbers

Life insurance for rock climbers

Here at Summit Financial Services, we have a proud heritage of offering financial protection for climbers, hill walkers and mountaineers. This has grown to include offering life insurance, income protection and critical illness cover for a range of climbing activities.We first began providing cover, over 20 years ago, for rock climbers and mountaineers. Later, through word of mouth, we began to provide cover for other sports. This grew to include scuba diving (www.scuba-fs.co.uk) and a wide range of other active sports under our sports brand (www.sports-fs.co.uk).

Regular interaction with climbers looking for life insurance cover has enabled us to grow our knowledge of climbers’ needs. In addition, we have been able to take this knowledge and liaise with underwriters to consider a more detailed assessment of climbers needs. This has seen a move away from a traditional tick box “do you go climbing?” to a more detailed questions that can relate to grades, geographic participation, height and climbing disciplines, such as:

  • Traditional (trad)
  • Sport
  • Bouldering
  • Top roping
  • Big wall
  • Buildering
  • Indoor
  • Deep water soloing
  • Ice climbing
  • Scottish winter
  • Alpine
  • Greater ranges

In addition, we understand that climbers tend to have an affinity with the outdoors and sometimes have a mix of other activities they like to pursue at different times of year. Because of this we are also happy to discuss your needs for cover for other sports and outdoor activities, for example:

  • Canoeing
  • Skiing (e.g., cross country, piste, ski-mountaineering)
  • Cycling (e.g., road, cross country, mountain biking)
  • Mountain biking
  • Paragliding

Or, if you pursue other recreational activities not listed above, please do not hesitate to contact us to discuss your needs.

Further, we have found that some climbers carry their recreational interests into their occupational activities, for example, as outdoor instructors or as commercial rope access technicians. So, if you participate in hazardous occupational outdoor activities, please feel free to discuss cover for hazardous occupations with us.

Insurance company for rock climbers

Because of our history of working with and on behalf of climbers we have built a strong understanding of climbers needs and are happy to discuss the technical aspects of climbing.

In addition to climbing, we will also discuss general life insurance issues relating to medical health, lifestyle, occupation and income (if looking for income protection for rock climbing). Such discussion will help determine the various financial protection products available to you and the premium(s) you have to pay for the particular benefit you are seeking.

Life Insurance options for rock climbers

We will be happy to discuss the different options that are available to you in relation to your climbing, mountaineering or other outdoor pursuits.

Whether you are concerned about an injury, accident or worse affecting your ability to meet your bills, meet mortgage payments or provide for a family then speak to us to discuss your needs.

What types of financial protection do climbers like to discuss?

Different climbers have different needs based on their lifestyle, participation, occupation, mortgage protection and family needs.

There are typically three areas that climbers investigate in relation to financial protection:

  • Life Insurance – this is typically a lump sum to pay off a mortgage, bills or support a family in the event of death
  • Critical Illness Cover – typically cover to provide financial peace of mind in the circumstance that you are diagnosed with a specific condition detailed in the policy
  • Income Protection – if you have concerns that an accident or illness may stop you from working for a period of time then an Income Protection policy maybe something to discuss with Summit Financial Services

Subject to the type of rock climbing activities (or other sports or occupational activities) you pursue there may be loadings, restrictions or exclusions applied to certain types of cover.

We work with the whole of market to find cover to suit your needs and are not restricted to a captive or select number of financial protection products.

Applying for life insurance for climbers

Because we specialise in climbing, we are happy to discuss the type, grade, geographic location and altitude limits of your climbing.

Like any enquiry for life insurance cover, we’ll also ask some common questions to better understand you, your climbing and your life, such as:

  • Your occupation
  • Your need for cover in relation to outdoor instructional work or hazardous activities
  • Your type(s) of climbing
  • Your climbing grade/s (e.g., sport grade, trad grade, French grade, UIAA grade, Alpine grade, Scottish Winter Grade, Via Ferrata grade)
  • Where you participate in climbing (e.g., UK, Europe, Worldwide)
  • Maximum climbing altitude
  • Current income (if enquiring about cover for Income Protection)

Further to questions about your life, climbing and occupation we will also discuss the duration that you require cover for and the amounts of cover required.

  • Amount of financial protection you required
  • The duration of policy – number of years you require cover for
  • The type of policy you required – for example, increasing, decreasing or level term cover

The combination of your climbing, lifestyle, health, recreation, occupation and other factors (such as those detailed above) will assist in the determination the options that will be available to you and the associated premiums.

Don’t worry if you already have a policy in place elsewhere. As we are climbing specialists, we will be happy to hear from you even if this is only to provide you with the peace of mind of knowing that your cover and premiums are comparable with current market products.

To discover more about the benefits of cover for climbers please call and speak to an experienced adviser today. You can call us for a free, no-obligation quote, on 0345 565 0937.

Alternatively, to enquire online, please click the link above and complete the online form.

Finally, we work closely with our parent company, Suttons Independent Financial Advisers, so if you require any further information about pensions, investments, mortgages or financial planning please visit www.suttonsifa.co.uk .

Life insurance for mountaineers

Life insurance for mountaineers

At Summit Financial Services we have been offering Life Insurance, Income Protection and Critical Illness Cover for climbers and mountaineers for over 22 years.

Mountaineering could be said to encompass many types of activities such as Scottish winter climbing, Alpine climbing and climbing in the Greater Ranges.

The types of locations typically associated with climbing in the Greater Ranges include climbing in the Himalayas and Karakoram on peaks such as:

  • Nanda Devi
  • Annapurna
  • Mount Everest
  • K2
  • Choy Oyu
  • Makalu
  • Lhotse
  • Broad
  • Peak
  • Annapurna
  • Ama Dablam

Wherever your climbing takes you please speak to Summit Financial Services about financial protection to meet mortgage commitments or provide for a family should an accident happen whilst mountaineering.

The risks associated with mountain sports can cause potential issues when applying for insurance products such as mountaineers’ life insurance which may result in possible policy exclusions, restrictions to cover and increased premiums. To discover more please speak to our team of specialist advisers who can outline the options available to you.

Life insurance company for mountaineers

Our long history of helping mountaineers means that we have a good understanding of climbers and their needs.
In addition, we have used this knowledge to engage with underwriters to represent the needs of mountaineers and the types of climbing they pursue.

As a result, some insurers now make a more detailed assessment of mountaineers needs based on climbing grades, geographic location and altitude.

We are happy to discuss many different types of mountaineering activities, for example:

  • Rock climbing
  • Ice climbing
  • Ski mountaineering
  • Snow shoeing

Obviously, this list is not exhaustive and we can offer cover for a wide range of other sports as well – just contact us to discuss your needs.

Over the years, such requests for cover for other extreme outdoor sporting activities led us to develop a service for a wide range of other active outdoors sports under the umbrella of Sports Financial Services (www.sports-fs.co.uk).

Insurance company for mountaineers

Working for a long time with mountaineers means we have built a strong understanding of climbers’ needs including an understanding of Alpine climbing and Expedition climbing.

Because of potential distance from civilisation expedition climbing may involve:

  • Longer and more drawn-out trips
  • Multiple camps – base camp, advanced base camp….
  • Camps supplied by mountaineers using the journeys to acclimatise
  • Use ascenders and fixed lines
  • Possible use of oxygen
  • Local porters/ guides

Environmental hazards faced by climbers include wind, rain, thunderstorms, snow, temperature, the effects of altitude and mountain conditions (loose rock, rockfall, snow and avalanche)

By understanding climbers’ needs we are better able to determine the various financial protection products available to you.

Even if you have existing cover in place, it may be worth a quick conversation with Summit Financial Services.

Different insurers come to the market over time and others may change their terms. This may mean that different terms are available in the market place than when you first applied for cover.

We will be happy to discuss rates and the availability of cover for mountaineering life insurance, critical illness cover and income protection even if it only to provide you with peace of mind that the cover you have in place is comparable with current market offerings.

Life Insurance options for mountaineers

As a climber you may have different needs based on your lifestyle, level of climbing, type of climbing, occupation, mortgage protection and family needs.

There are commonly three types of financial protection that mountaineers like to discuss:

  • Life Insurance – typically a lump sum to pay off a mortgage, bills or support a family in the event of death
  • Critical Illness Cover – typically cover to provide financial peace of mind in the circumstance that you are diagnosed with a specific condition detailed in the policy
  • Income Protection – if you have concerns that an accident or illness may stop you from working for a period of time then an Income Protection policy maybe something to discuss with Summit Financial Services

Subject to the type of climbing activities (or other sports) or occupational activities that you pursue there may be loadings, restrictions or exclusions applied to certain types of cover.

We work with the whole of market to find cover and are not restricted to a captive or select number of financial protection products. This includes working with many insurance companies to identify where your requirements and higher risk activities (e.g., climbing above certain heights, climbing grade, type of climbing, professional engagement with climbing, maximum altitude, climbing in remote areas and ice climbing) impact on the type of policies that are available to you.

Applying for mountaineering life insurance

Here we’ll take a quick look at how an application for mountaineering life insurance, critical illness cover or income protection is processed. Typically, we’ll discuss your type and level of participation including discussion on grade(s), geographic locations and altitude limits of your climbing.

As with any enquiry for life insurance cover, we’ll also ask some common questions to better understand you, your climbing and your life, such as:

  • Present occupation
  • Need for cover in relation to any outdoor instructional work, hazardous activities or occupation
  • Range and type(s) of climbing (e.g., trad, sport, bouldering, Alpine, Expedition, Scottish Winter)
  • Your climbing grade/s (e.g., sport grade, trad grade, French grade, UIAA grade, Alpine grade, Scottish Winter Grade, Via Ferrata grade)
  • Where you participate in climbing (e.g., UK, Europe, Worldwide)
  • Maximum climbing altitude
  • Sports governing body membership (e.g., British Mountaineering Council, Mountaineering Scotland, Mountaineering Ireland)
  • Current income (if enquiring about cover for Income Protection)

Further to questions about your lifestyle, health, climbing and occupation we will also discuss the duration that you require cover for and the amounts of cover required:

  • Amount (£) of financial protection required
  • The duration of policy – number of years cover is required for
  • The type of policy you required – e.g., increasing, decreasing or level term cover

This combination of your climbing, mountaineering, lifestyle, health, recreation, occupation and other factors (such as those detailed above) will assist in the determination the financial protection options that will be available to your particular circumstances and the associated premiums.

Even if you have a policy in place elsewhere, we will be happy to hear from you even if this is only to provide you with the peace of mind of knowing how your cover and premiums compare with current market products.

To discover more about the benefits of cover for rock climbers please call and speak to an experienced adviser today. You can call us for a free, no-obligation quote, on 0345 565 0937. Alternatively, to enquire online, please click the link above and complete the online form.

Finally, we work closely with our parent company, Suttons Independent Financial Advisers. So, if you require any further information about other financial services such as pensions, investments, mortgages or financial planning please visit www.suttonsifa.co.uk . Your adviser at Summit Financial Services will also be able to refer you to a contact at Suttons IFA who best suits your interests.

Alpine climbing life insurance

Alpine climbing life insurance

From our foundation, over 22 years ago, we have been offering Life Insurance, Income Protection and Critical Illness Cover for climbers and mountaineers.

Alpine climbing is commonly associated with thoughts of climbing in the European Alps on mountain such as:

  • Mont Blanc
  • Jungfrau
  • Eiger
  • Matterhorn

However, the ‘fast and light’ style has been used to tackle peaks in the Greater Ranges and more remote areas.

Whatever style of climbing or mountaineering you pursue please speak to Summit Financial Services about financial protection to meet mortgage commitments or provide for a family should an accident happen.

Life insurance company for alpine climbing

Our long association with climbing means that we have a good understanding of climbers and mountaineers and their needs. We are happy to discuss climbing grades (trad, sport, UIAA, French, Bouldering, Via Ferrata), geographic location of your climbing activities, altitude and climbing styles.

The fast and light climbing style of alpine climbing can be technically and physically demanding. Requiring a mix of stamina, climbing skills on different terrain (glaciers, snow, rock and ice), ropework skills, moving at speed and recognition of the effects of altitude and acclimatisation.

Through close association with many who enjoy the outdoors we understand that some people require financial protection for a range of other activities, for example:

  • Canoeing / kayaking
  • Skydiving
  • Sailing
  • Skiing
  • Cycling

However, this list is not exhaustive and we can offer cover for a wide range of other sports as well – please contact us to discuss your needs. Such requests for cover, for other extreme outdoor sports, led us to develop a service for a range of other active outdoors sports under the umbrella of Sports Financial Services (www.sports-fs.co.uk). In addition, if you are engaged in a hazardous occupation, you can also speak to us about the availability of cover for that as well.

Insurance company for alpine climbing

Working for a long time with climbers means we have built a strong recognition of climbers’ needs and are happy to discuss the different aspects of climbing in order to understand your needs and determine the various financial protection products that are available to you.
Even if you have existing cover in place, it may be worth a quick conversation with Summit Financial Services to discuss your current cover and obtain a no-obligation quotation.

Different insurers come to the market over time and others may change their terms. This may mean that different terms are available in the market place than when you first applied for cover.

We will be happy to discuss rates and the availability of cover for alpine mountaineering life insurance, critical illness cover and income protection even if it only to provide you with peace of mind that the cover you have in place is comparable with current market offerings.

Alpine climbing

Alpine climbers can face a number of skills and challenges, for example:

  • Developing skills and techniques in different types of climbing (e.g., rock, ice, snow)
  • Crossing crevassed terrain and developing crevasse rescue skills
  • Assessing extreme weather
  • Acclimatisation and assessing the effects of altitude on self and others
  • Moving at speed as a factor in safe progress
  • Avalanche awareness and risk assessment
  • Map reading, navigation and route finding
  • Use of huts
  • Use of cable cars
  • Use of technical equipment (e.g., technical axes, crampons, rope skills, ice screws, skis)

Very early morning ‘alpine starts’ may require a head torch and a flexible approach to clothing and equipment that can cater for different environments throughout the day. Packing appropriate clothing and equipment for alpine climbing is a skill in itself. The type of clothing and equipment an alpine climber may consider, may include, for example:

  • Base layers
  • Fleece mid layers
  • Trousers
  • Windproof
  • Waterproof jacket and trousers
  • Gloves
  • Hat
  • Gaiters
  • Boots
  • Sun glasses / goggles

 

  • Climbing Sack
  • Helmet
  • Ropes
  • Harness
  • Slings
  • Karabiners
  • Quickdraws
  • Wires/Rocks
  • Cams
  • Pegs
  • Ice screws
  • Belay Plate
  • Prusik Loops
  • Technical axe
  • Technical hammer
  • Crampons and straps

 

  • Food and drink
  • Spare clothing / belay jacket
  • Survival equipment / first aid kit
  • Map / compass / guidebook
  • Watch
  • Altimeter
  • Phone
  • Batteries
  • Headtorch

Life Insurance options for alpine climbing

As a climber you may have different needs based on your lifestyle, level of climbing, type of climbing, occupation, mortgage protection and family needs.

There are commonly three types of financial protection that alpine climbers like to discuss:

  • Life Insurance – typically a lump sum to pay off a mortgage, bills or support a family in the event of death
  • Critical Illness Cover – typically cover to provide financial peace of mind in the circumstance that you are diagnosed with a specific condition detailed in the policy
  • Income Protection – if you have concerns that an accident or illness may stop you from working for a period of time then an Income Protection policy maybe something to discuss with Summit Financial Services

Subject to the type of alpine climbing activities (or other sports) or occupational activities that you pursue there may be loadings, restrictions or exclusions applied to certain types of cover.

We work with the whole of market to find cover and are not restricted to a captive or select number of financial protection products. This includes working with many insurance companies to identify where your requirements and higher risk activities (e.g., climbing above certain heights, climbing grade, type of climbing, professional engagement with climbing, maximum altitude, climbing in remote areas and ice climbing) impact on the type of policies that are available to you.

Applying for life insurance for alpine climbing

Finally, we’ll take a quick look at how an application for alpine climbing life insurance, critical illness cover or income protection is processed. Typically, we’ll discuss your type and level of participation including discussion on grade(s), geographic locations and altitude limits of your climbing.

As with any enquiry for life insurance cover, we’ll also ask some common questions to better understand you, your climbing and your life, such as:

  • Present occupation
  • Need for cover in relation to any outdoor instructional work or hazardous occupation
  • Your different type(s) of climbing (e.g., trad, sport, indoor, bouldering)
  • Your climbing grade/s (e.g., sport grade, trad grade, French grade, UIAA grade, Alpine grade, Scottish Winter Grade, Via Ferrata grade)
  • Where you participate in climbing (e.g., UK, Europe, Worldwide)
  • Maximum climbing altitude
  • Sports governing body membership (e.g., British Mountaineering Council, Mountaineering Scotland, Mountaineering Ireland)
  • Current income (if enquiring about cover for Income Protection)

Further to questions about your lifestyle, health, climbing and occupation we will also discuss the duration that you require cover for and the amounts of cover required:

  • Amount (£) of financial protection required
  • The duration of policy – number of years cover is required for
  • The type of policy you required – e.g., increasing, decreasing or level term cover

This combination of your climbing, lifestyle, health, recreation, occupation and other factors (such as those detailed above) will assist in the determination the financial protection options that will be available to your particular circumstances and the associated premiums.

Even if you have a policy in place elsewhere, we will be happy to hear from you even if this is only to provide you with the peace of mind of knowing how your cover and premiums compare with current market products.

To discover more about the benefits of cover for alpine climbers please call and speak to an experienced adviser today. You can call us for a free, no-obligation quote, on 0345 565 0937. Alternatively, to enquire online, please click the link above and complete the online form.

Finally, we work closely with our parent company, Suttons Independent Financial Advisers. So, if you require any further information about other financial services such as pensions, investments, mortgages or financial planning please visit www.suttonsifa.co.uk . Your adviser at Summit Financial Services will also be able to refer you to a contact at Suttons who best suits your interests.

Life Insurance and Climbing Wall Users

Life Insurance and climbing wall users

Whether you are training to improve your climbing skills, climbing fitness, climbing grade or simply using a climbing wall as a weekly social meet-up or climbing gym then Summit Financial Services is here to help find cover for cover for Life Insurance, Income Protection and Critical Illness Cover.

Summit Financial Services was established over 20 years ago to provide cover for climbers, hill walkers and mountaineers. When you enquire for cover with Summit Financial Services you have access to a same great team of experienced climbing advisers.

As a quick summary, if you are looking for a lump sum to be paid following an accident or natural death then you may want to consider discussing Life Insurance with us. Alternatively, if you are concerned that an accident, whilst participating climbing, may leave you unable to work for a while then an Income Protection policy may be another option that you may want to discuss with us. In addition, you may also want to chat to us about Critical Illness Cover which could help to support you and your loved ones financially if you are diagnosed with a specific medical condition.

Climbing at a climbing wall and Life Insurance

If you are you concerned about financial peace of mind should an accident or injury (or worse) happen whilst indoor rock climbing at a climbing wall or climbing centre then contact us today.

With our experience of climbing and mountaineering we are happy to discuss the specifics of your climbing indoors (e.g. top roping, leading or bouldering) and any climbing you do outdoors (e.g. trad, sport, bouldering, DWS, Via Ferrata).

In addition, you can talk to us about cover for a wide range of other extreme outdoor sports, for example:

  • Adventure racing
  • Adventure cycling
  • Cycling (road, cross county, mountain biking)
  • Canoeing & kayaking (e.g. white water, surf, sea)
  • Canyoning & coasteering
  • Caving
  • Gliding & hang gliding
  • Mountaineering (e.g. Alpine climbing, Greater Ranges)
  • Paddle boarding
  • Paragliding
  • Rock climbing & rock sports (e.g. trad, bouldering, sport, deep water soloing)
  • Sailing & yachting
  • Surfing
  • Swimming
  • Scuba diving
  • Skiing, ski touring & ski mountaineering
  • Skydiving
  • Triathlon
  • Ultra-distance running

And don’t worry if participate in other extreme sports that are not listed above – just give us a call to discuss your needs with an experienced sport adviser.

Rock climbing insurance company

A number of financial protection options are available for those who enjoy rock climbing and want to provide for loved ones, cover mortgage payments or bills should an accident (or worse) happen.

Each enquiry is handled by an individual specialist adviser at Summit Financial Services and they will discuss your cover options in relation to you and your specific climbing activities.

Life Insurance company for rock climbers

You can speak to Summit Financial Services about many types of cover for climbers, such as:

  • Rock climbing and Life Insurance
  • Rock climbing and Mortgage Protection
  • Critical Illness Cover and rock climbers
  • Income Protection and rock climbers

Many climbers tend to keep a healthy lifestyle to remain fit to rock climb. If you maintain a healthy lifestyle and regular fitness plan, you can also speak to us about policies that reward you for keeping fit and healthy.

Rock climbing – Life Insurance, Critical Illness Cover and Income Protection FAQs

If you have any specific questions about cover for your rock climbing then please call our number below to discover the best deal we can offer you for your climbing activities.

We are happy to discuss a range of questions, such as:

  • Are there any premium loadings for my specific climbing activities?
  • Can I obtain Life Insurance given my rock climbing activities?
  • Is Critical Illness Cover available for rock climbers?
  • Can I obtain Income Protection for my rock climbing?
  • As a rock climber, can I get Health Insurance or Private Medical Insurance?

How do I enquire about Life Insurance, Income Protection or Critical Illness cover for rock climbers?

If you enquire about cover for rock climbing with Summit Financial Services, then we will take into consideration a number of factors relating to you, your lifestyle and your climbing.

As with any application for financial protection for rock climbers it is important that you declare your work, lifestyle, medical, rock climbing and other questions completely.

Typical life and lifestyle questions, that relate to your enquiry for climbing cover, may include your:

  • Health history & lifestyle (e.g. any smoking or alcohol consumption)
  • Height (ft/cm)
  • Weight (lb/kg)
  • Age
  • Health conditions

Your life and climbing related questions will vary depending on your particular climbing activities but could include (where relevant) your:

  • Current occupation
  • Type of rock climbing (e.g. leading, top roping, bouldering, trad, DWS, sport)
  • Other types of climbing (e.g. Ice climbing, Scottish Winter, Alpine, Greater Ranges)
  • Maximum climbing altitude
  • Location of climbing activities (e.g. UK and/or international)
  • Climbing grade
  • Sport Governing Body membership (British Mountaineering Council, Mountaineering Scotland or Mountaineering Council of Ireland)
  • Participation in competitions
  • Current income (for an Income Protection enquiry)

As part of your enquiry for cover for rock climbing, we will also discuss the amount of cover you require and the duration of the cover you would like, including:

  • The amount (£ GBP) of financial protection you require
  • The time duration of the policy you require (years)
  • The type of policy (e.g. decreasing or level term) you require

Your lifestyle, recreational and occupational information, such as that detailed above, will help determine the premium you will pay for your cover for you and your climbing activities.

Life Insurance, Income Protection and Critical Insurance cost – specialist insurance information for rock climbers

Even if you have a policy in place elsewhere for your rock climbing, we will still be happy to hear from you, even if only to provide you with the peace of mind that cover and premiums are comparable with current market products for rock climbers.

Business protection for rock climbers

If you operate a Limited Company or operate at Director level then you may want to consider speaking to Summit Financial Services about cover options for Key Person insurance, Relevant Life insurance or Shareholder Protection cover for rock climbers.

Rock climbing: how to make an enquiry about financial protection

At Summit Financial Services we pride ourselves on providing rock climbers with:

  • Personal and confidential advice
  • Experienced advisers in different types of climbing
  • Personal service and a quick response to your rock climbing questions
  • A Financial Conduct Authority (FCA) authorised company
  • Easy application process conducted around your lifestyle

If you would like to find out more about the benefits of cover for a whole range of rock climbing and extreme sports activities then speak to an experienced sports adviser at Summit Financial Services today on 0345 565 0937, or to enquire online about cover, please click the link above.

As a hazardous sport, extreme sport and adventure sport specialists we exist to help climbers to find cover that is suitable for their climbing needs.

Life Insurance for Mountaineers

Life Insurance for mountaineers

If you feel the call of the Karakorum or the high peaks of the Himalayas but are concerned about the impact on your financial future if an accident (or worse) happens then speak to Summit Financial Services about climbing and mountaineering Life Insurance, Mortgage Protection, Income Protection and Critical Illness Cover.

We have experienced an increasing number of enquiries from climbers and mountaineers who are looking for Life Insurance, Mortgage Protection, Income Protection and Critical Illness Cover for their trips to the Greater Ranges.

Summit Financial Service’s specialist service has been built upon a great deal of expertise, over the last 20 years, working with climbers, hill walkers and mountaineers.

As a quick summary, if you are looking for a lump sum to be paid following an accident or natural death then you may want to consider Life Insurance. Alternatively, if you are concerned that an accident, whilst participating in climbing or mountaineering, may leave you unable to work for a period of time then an Income Protection policy may be another choice for you discuss with us. In addition, you may also want to chat to us about Critical Illness Cover which could help to support you and your loved ones financially if you are diagnosed with a specific medical condition.

Mountaineering Life Insurance

If you are you concerned about financial peace of mind should something happen whilst mountaineering then contact us today.

We are happy to discuss cover for climbing and mountaineering in a wide range of Alpine and Greater Ranges locations.

In addition, we are aware that many climbers and mountaineers have a close affinity with the outdoors and often pursue a range of outdoor activities. In addition to your mountaineering activities please feel free to chat to us about the availability of cover for any other activities you pursue, such as:

  • Cycling & mountain biking
  • Canoe & kayaking (e.g. white water, surf, sea)
  • Caving
  • Rock climbing & rock sports (e.g. leading, bouldering, sport, deep water soloing)
  • Running (e.g. trail, fell, ultra)
  • Sailing & yachting
  • Skiing, ski touring & ski mountaineering

And, don’t worry if your other outdoor interests are not listed above, just give us a call to discuss the options available for you and your lifestyle.

Mountaineering insurance company

Mountaineers have a number of financial protection options and want to provide for loved ones, cover mortgage payments or bills should an accident (or worse) happen.

Your enquiry is handled by a specialist adviser at Summit Financial Services and they will discuss your cover options in relation to your lifestyle and your sporting pursuits.

Life Insurance company for mountaineering

You can speak to Summit Financial Services about many types of cover for climbing, such as:

  • Life Insurance for mountaineers
  • Mortgage Protection for mountaineers
  • Critical Illness Cover for mountaineers
  • Income Protection for mountaineers

In addition, if you maintain a healthy lifestyle and regular fitness plan to keep fit for climbing and mountaineering, why not speak to us about policies that have the added benefit of rewarding you for keeping fit and healthy.

Mountaineering Life Insurance, Critical Illness Cover and Income Protection FAQs

If you have any specific questions about cover for your mountaineering and climbing activities (or any other sport you pursue) then please call our number below to discover the best deal we can offer you for your lifestyle.

You can discuss a range of questions with us, for example:

  • Are there any premium loadings for my lifestyle, climbing and mountaineering activities?
  • Can I obtain Life Insurance for my mountaineering and other sporting activities?
    Is Critical Illness Cover available for mountaineers?
    Can I obtain Income Protection for my lifestyle and mountaineering activities?
    Can I get Health Insurance or Private Medical Insurance?

How do I enquire about mountaineering Life Insurance, Income Protection or Critical Illness cover?

If you enquire about cover for your mountaineering activities with Summit Financial Services, we will take into consideration a number of factors relating to your life in the outdoors.

As with any application for financial protection it is important that you declare your employment, lifestyle, medical and other questions completely.

Typical life and lifestyle questions, that relate to your enquiry for mountaineering cover, may include your:

  • Health history & lifestyle (e.g. smoking or alcohol consumption)
  • Height ( ft/cm )
  • Weight ( lb/kg )
  • Age
  • Health conditions

Detailed life, occupation and recreation related questions will vary depending on your particular circumstances but could include (where relevant) your:

  • Current occupation/employment
  • Type of mountaineering activity
  • Highest altitude
    Location of mountaineering activities (e.g. UK and/or international) and overseas mountain ranges
  • Climbing grades
  • Sport Governing Body membership (BMC, Mountaineering Scotland, Mountaineering Ireland)
  • Current income (for Income Protection enquiries)

As part of your enquiry for cover for climbing and mountaineering, we will also discuss the amount of cover you require and the duration of the cover you would like, including:

  • The amount (£ GBP) of financial protection you require
  • The number of years for which the policy is required
  • Your choice of type of policy (e.g. decreasing or level term)

Your climbing, recreation, health and occupation information, such as that detailed above, will help determine the premium you have to pay for your cover for your lifestyle and mountaineering activities.

Life Insurance, Income Protection and Critical Insurance cost – specialist insurance information for mountaineers

Even if you have a policy in place elsewhere for your mountaineering, we will still be happy to hear from you, even if only to provide you with peace of mind that cover and premiums are comparable with current market products.

Business protection for mountaineers

For those who operate a Limited Company or operate at Director level then you may want to consider speaking to Summit Financial Services about other cover options such as Key Person insurance, Relevant Life insurance or Shareholder Protection for those who participate in climbing and mountaineering.

How to make an enquiry for cover for mountaineering

At Summit Financial Services we pride ourselves on providing:

  • Personal and confidential advice
  • Experienced advisers in climbing and mountaineering
  • Personal service and a quick response to your mountaineering questions
  • A Financial Conduct Authority (FCA) authorised company
  • Easy application process conducted around your lifestyle

If you would like to find out more about the benefits of cover for a whole range of extreme sports activities then speak to an experienced sports adviser at Summit Financial Services today on 0345 565 0937, or to enquire online about cover, please click the link above.

As climbing and mountaineering specialists we exist to help those who enjoy the mountains to find cover that is suitable for their needs.

Life insurance and Climbing in the Alps

Life insurance and Climbing in the Alps

If you are feeling the call of Chamonix (or other Alpine destinations) then we are here to help provide peace of mind with expert help to find Life Insurance, Income Protection and Critical Illness Cover suitable for you and your Alpine climbing and mountaineering aspirations.

At Summit Financial Services we understand the needs of climbers and mountaineers. Whether you are a new Alpine climber getting to grips with new skills (like crevasse rescue), a seasoned mountaineer adding to your tick list or you are a professional mountain guide then please give us a call to discuss your needs or click the button above to enquire online.

Through time many climbers have also approached us for cover for their many other sporting interests (e.g. canoeing/kayaking, skiing, cycling, and more….) and we are always happy to help – just give us a call to discuss your needs.

As a quick guide for climbers and mountaineers, if you are looking for a lump sum of cash to be paid following an accident or natural death then you may want to consider speaking to us about Life Insurance. Alternatively, if you are concerned that a climbing or mountaineering accident may leave you unable to work then an Income Protection policy may be another consideration for you. In addition, you can also speak to us about Critical Illness Cover and the benefits it could provide you and your family.

Alpine climbing and Life Insurance

If you are you concerned about providing for a family or paying your bills should an accident or injury (or worse) happen whilst Alpine climbing then contact us today.

Because we specialise in climbing and mountaineering you can speak to us about different rock climbing, mountaineering, trekking and ski related Alpine activities, for example:

  • Alpine multi pitch rock climbing
  • Alpine mountaineering
  • High level hut-to -hut trekking
  • Skiing and ski mountaineering

Don’t worry if you require cover for other mountain sports, just give us a call to discuss the options available for you, your climbing, your mountaineering and any other sports you pursue.

Alpine climbing insurance company

Because we specialise in climbing and mountaineering you have access to a team of experienced people at Summit Financial Services who have a long history of providing cover for those who love the mountains.

We appreciate that Alpine climbers can face a number of challenges, such as:

  • Crossing crevassed terrain and crevasse rescue
  • Extreme weather
  • Acclimatisation
  • Moving at speed as a factor in safe progress
  • Avalanche awareness
  • Route finding
  • Use of huts
  • Use of technical equipment (e.g. technical axes, crampons & mountaineering skis)

If you have a question about cover, whatever your climbing level, don’t hesitate to give us a call.

Life Insurance company for Alpine climbing

At Summit Financial Services we will be happy to speak to you about many types of cover for your Alpine climbing, such as:

  • Alpine climbing and mountaineering Life Insurance cover
  • Mortgage Protection cover for Alpine climbing and mountaineering
  • Alpine climbing and mountaineering Critical Illness Cover
  • Income Protection for Alpine climbing and mountaineering

In addition, we are aware that many climbers and mountaineers maintain a healthy lifestyle to keep fit for their time in the mountains. If you keep up a healthy lifestyle and regular fitness plan, you may be interested in speaking to us about policies that are available that reward you for keeping fit and healthy (via a fitness monitoring device).

Alpine climbing Life Insurance, Critical Illness Cover and Income Protection frequently asked questions

If you have any queries about cover for Alpine climbing and mountaineering then please call us on 0345 565 0937 to discover the best deal we can offer you for your climbing activities.

We will be happy to discuss a range of climbing and mountaineering related questions, such as:

  • Are there any premium loadings for my Alpine climbing and mountaineering activities?
  • Can I obtain Life Insurance for my Alpine climbing?
  • Is Critical Illness Cover available my style of Alpine climbing and mountaineering?
  • Can I obtain Income Protection with my climbing activities?
  • As a climber, can I get Health Insurance or Private Medical Insurance?

How do I enquire about Life Insurance, Income Protection or Critical Illness cover for Alpine climbing?

If you enquire about Alpine climbing and mountaineering cover with us, we will take into consideration a number of factors that relate to you and your climbing.

As with any application for financial protection it is important that you declare your work, lifestyle, medical, climbing and mountaineering questions completely.

Typical life and lifestyle questions, that relate to your enquiry for Alpine climbing and mountaineering cover, may include your:

  • Personal and family health history & lifestyle (for example, any smoking or alcohol consumption)
  • Height (ft/cm)
  • Weight (lb/kg)
  • Age
  • Current health conditions

We will also discuss some lifestyle and climbing and mountaineering questions such as:

  • Your current occupation
  • Your type of Alpine climbing and mountaineering (and any other sporting activities you pursue)
  • Your climbing grades (e.g. Trad, Sport, UIAA, Scottish Winter)
  • Any other types of climbing (e.g. pure water ice climbing)
  • Location of climbing activities (e.g. UK and/or international)
  • British Mountaineering Council, Mountaineering Scotland, Mountaineering Ireland membership
  • Any participation in climbing competitions
  • Current income (for Income Protection enquiries)

As part of your enquiry for cover for your Alpine climbing and mountaineering, we will also discuss the amount of cover you require and the duration of the cover you would like, including:

  • The amount of financial protection you require (£ GBP)
  • The duration of the policy you require (number of years)
  • The type of policy you require (e.g. decreasing or level term)

Your climbing, recreational and occupational information, such as that detailed above, will help determine the premium you have to pay for your cover for your climbing activities.

Life Insurance, Income Protection and Critical Insurance cost – specialist insurance information for Alpine climbers

Even if you have financial protection in place elsewhere for your Alpine climbing and mountaineering, we will be happy to hear from you, even if only to provide you with peace of mind that cover and premiums are comparable with current market products.

Business protection for Alpine climbers

If you operate a Limited Company or operate at Director level then you may want to discuss specialist financial protection cover, for example:

  • Key Person insurance for climbers and mountaineers
  • Relevant Life insurance for climbers and mountaineers
  • Shareholder Protection for climbers and mountaineers

How to make an enquiry for Alpine climbing and mountaineering cover

At Summit Financial Services we pride ourselves on providing climbers with:

  • Personal and confidential advice
  • Experienced advisers in hillwalking, trekking, climbing, mountaineering and other extreme outdoor sports
  • Personal service and a quick response to your climbing questions
    A Financial Conduct Authority (FCA) authorised company
  • Easy application process conducted around your lifestyle

If you have any questions about cover for climbing and mountaineering or would like to find out more about the benefits of cover for other sporting activities then speak to an experienced adviser at Summit Financial Services today on 0345 565 0937, or to enquire online about cover, please click the link above.

As a hazardous sport, extreme sport and adventure sport specialists we exist to help those who enjoy sports to find cover that is suitable for their needs.

Life insurance and Rock Climbing

Life insurance and Rock Climbing

Whether you enjoy a day out trad climbing at Stanage Edge, an evening bouldering at your local indoor climbing or multi-day epic ascents then we are here to help. We help provide peace of mind with cover options for Life Insurance, Income Protection and Critical Illness Cover suitable for you and your climbing needs.

At Summit Financial Services we know the needs of rock climbers vary depending on experience or climbing style (trad, sport, bouldering, DWS, aid climbing, alpine rock, and more….). It does not matter if you are a novice, a professional mountain guide, a social climber at a climbing wall or a multipitch trad enthusiast – just give us a call or click the button above to enquire online.

We can provide rock climbers with cover for their sport and for many other sporting interests (e.g. canoeing, skiing, cycling and many more – just let us know and we’ll be happy to provide you with a quote).

As a quick guide, if you are looking for a lump sum of cash to be paid following an accident or natural death then you may want to consider speaking to us about Life Insurance. Alternatively, if you are concerned that a rock climbing accident may leave you unable to work then an Income Protection policy may be another consideration for you to chat to us about. In addition, you may also want to chat to us about Critical Illness Cover and the benefits it could provide to you and your family.

Rock climbing and Life Insurance

If you are you concerned about providing for a family or paying your bills should an accident or injury (or worse) happen whilst rock climbing then contact us today.

Because we specialise in rock climbing you can speak to us about different climbing and climbing related activities, for example:

  • Aid climbing
  • Alpine rock climbing
  • Bouldering
  • Buildering
  • Canyoning
  • Coasteering
  • Competition climbing
  • Deep water soloing
  • Multi pitch trad
  • Single pitch
  • Sport climbing

Don’t worry if you require cover for other sports, just give us a call to discuss the options available for you, your climbing and any other sports in which you participate.

Rock climbing insurance company

Because we specialise in rock climbing you have access to a team of people at Summit Financial Services who have a long history of providing cover for rock climbers and mountaineers.

Life Insurance company for your rock climbing

At Summit Financial Services we will be happy to speak to you about many types of cover for your rock climbing, such as:

  • Rock climbing Life Insurance cover
  • Rock climbing Mortgage Protection cover
  • Critical Illness Cover for rock climbers
  • Income Protection for rock climbers

In addition, we are aware that many rock climbers maintain a healthy lifestyle to keep fit for their sport. If you keep up a healthy lifestyle and regular fitness plan, you may be interested in speaking to us about policies that reward you for keeping fit and healthy (via a fitness tracker).

Rock climbing Life Insurance, Critical Illness Cover and Income Protection Frequently Asked Questions

If you have any queries about cover for rock climbing then please call our number below to discover the best deal we can offer you for your rock climbing activities.

We will be happy to discuss a range of rock climbing related questions, such as:

  • Are there any premium loadings for my rock climbing activities?
  • Can I obtain Life Insurance for my rock climbing?
  • Is Critical Illness Cover available my style of rock climbing?
  • Can I obtain Income Protection with my choice of rock climbing activities?
  • As a rock climber can I get Health Insurance or Private Medical Insurance?

What is the process to enquire about Life Insurance, Income Protection or Critical Illness cover for rock climbers?

If you enquire about cover for rock climbing with us then we will take into consideration a number of factors that relate to you and your rock climbing.

As with any application for financial protection it is important that you declare your work, lifestyle, medical and rock climbing questions completely.

Typical life and lifestyle questions, that relate to your enquiry for rock climbing cover, may include your:

  • Health history & lifestyle (for example, any smoking or alcohol consumption)
  • Height (ft/cm)
  • Weight (lb/kg)
  • Age
  • Current health conditions

We’ll also discuss some lifestyle and climbing related questions such as:

  • Your current occupation
  • Your type of climbing
  • Your rock climbing grade
  • Any other types of climbing (e.g. ice climbing)
  • Location of climbing activities (e.g. UK and/or international)
  • British Mountaineering Council, Mountaineering Scotland, Mountaineering Ireland membership
  • Any participation in climbing competitions
  • Current income (for Income Protection enquiries)

As part of your enquiry for cover for your rock climbing, we will also discuss the amount of cover you require and the duration of the cover you would like, including:

  • The amount of financial protection you require (£ GBP)
  • The duration of the policy you require (number of years)
  • The type of policy you require (e.g. decreasing or level term)

Your recreational and occupational information, such as that detailed above, will help determine the premium you have to pay for your cover for your climbing activities.

Life Insurance, Income Protection and Critical Insurance cost – specialist insurance information for rock climbers

Even if you have financial protection in place elsewhere for your rock climbing, we will be happy to hear from you, even if only to provide you with peace of mind that cover and premiums are comparable with current market products.

Business protection for rock climbers

If you operate a Limited Company or operate at Director level then you may want to chat about cover for you and your rock climbing, for example:

  • Key Person insurance for rock climbers
  • Relevant Life insurance for rock climbers
  • Shareholder Protection for rock climbers

How to make an enquiry for rock climbing cover

At Summit Financial Services we pride ourselves on providing rock climbers with:

  • Personal and confidential advice
  • Experienced advisers in rock climbing and other extreme sports
  • Personal service and a quick response to your rock climbing questions
  • A Financial Conduct Authority (FCA) authorised company
  • Easy application process conducted around your lifestyle

If you have any questions about cover for rock climbing or would like to find out more about the benefits of cover for other sports activities then speak to an experienced sports adviser at Summit Financial Services today on 0345 565 0937, or to enquire online about cover, please click the link above.

As a hazardous sport, extreme sport and adventure sport specialists we exist to help those who enjoy sports to find cover that is suitable for their needs.

Income Protection for Rock Climbers & Mountaineers

“The staff at SFS listen carefully and advise wisely. They provide a flexible and personal service which gives great reassurance that you’ve been offered the most appropriate cover for all the crazy things you do!”

Libby Peter (pictured), Mountain Guide and mother of two

Could you pay your bills if a climbing accident left you unable to work?

Over the last 18 years Summit Financial Services has built a unique expertise in arranging personal insurance for rock climbers and mountaineers.

You can trust us to provide:

  • Cover for climbers – our experience extends from covering climbers on Stanage Edge to mountaineers on the world’s highest mountains
  • Cover for your lifestyle – wherever your work or climbing takes you we source the right cover for you
  • Special understanding – because we specialise in climbing we have built long lasting links with specialist underwriters to obtain the right cover for you
  • Personal service – you will receive a quick response from a personal adviser (all advisers have over 10 years experience in financial services)
  • Peace of mind – we operate to professional standards and are authorised by the Financial Conduct Authority (FCA)
  • Easy application – we have placed climbers on cover within a couple of hours
  • Specialist sports knowledge – we also work with the British Mountaineering Council and Mountaineering Council of Scotland to provide great rates for their members
Because we are not tied to one insurance supplier our bespoke service allows us to compare different options and provide the right policy to suit your needs.
Whether you are looking for personal financial security or to provide for your loved ones if you suffer a serious rock climbing accident then we are here to help.

Contact us today on 0345 565 0937 for your personal climbing quote

Other cover available:
  • Mortgage Protection – cover to help pay off a remaining mortgage balance
  • Family protection – money to support the family finances should the worst happen
  • Critical Illness – payment on diagnosis of a specific illness
  • Private Medical Insurance – personal medical support

 

“Endorsed by the OIA as the leading provider of financial protection for those engaged in outdoor activities”