Climbing can be an exciting and adventurous holiday activity. Prior to embarking on a climbing adventure holiday, it is important to ensure that you possess an appropriate climbing holiday insurance policy that covers you for climbing. Obtaining the right cover can allow you to fully immerse yourself in your climbing experience with peace of mind.
Climbing holiday insurance is a specialised type of cover designed around the needs of climbers. Cover is typically available either for single trips or annual cover. Usually certain limits, territorial limits and altitude limits apply to different climbing holiday insurance policies. Whether you are a seasoned climber or beginner, having the correct insurance in place can provide important reassurance.
Here at Summit Financial Services, we work closely with the British Mountaineering Council (BMC) to refer those looking for climbing holiday insurance cover. Your specialist climbing and mountaineering adviser at Summit Financial Services will be happy to direct you to the British Mountaineering Council to discuss the options available under their climbing holiday insurance scheme.
Why do you need climbing holiday insurance?
One of the key reasons climbers opt for specialised insurance is the recognition that standard travel insurance often falls short in covering the specific risks associated with climbing. Mountaineering and rock climbing entail significant hazards and risks such as falls, injuries, altitude sickness and emergency rescue situations.
By securing appropriate climbing holiday insurance, climbers can focus on enjoying their ascent while having the peace of mind that they are supported in case of unforeseen events.
Climbing can involve challenging environments, unpredictable weather conditions and physical challenges that can potentially lead to accidents or injuries. Climbing holiday insurance is typically designed to provide assistance to climbers. If you are interested in climbing holiday insurance then we will direct you to the British Mountaineering Council’s (BMC)Travel & Activity Insurance Scheme.
To find out more about the BMC’s trip travel insurance and annual multi-trip insurance click here to find out more:
Whilst our team at Summit Financial Services do not offer travel insurance for climbers our specialist advisers will be able to assist you with life insurance, income protection and critical illness cover for climbing and mountaineering.
One of the primary benefits of life insurance is the provision of a death benefit. In the unfortunate event of a climber’s demise whilst climbing, a life insurance policy could help support a family or beneficiaries with a lump sum payment. Such a benefit could assist in contributing to funeral expenses, outstanding debts, and providing some level of financial stability for a family’s future. It allows climbers to focus on their trip without worrying about the potential consequences for their loved ones.
Other types of protection, such as income protection and critical illness cover, may offer benefits that mean the insured and their family can maintain some quality of life following some of life’s other challenges.
Contact us today and a specialist climbing adviser at Summit Financial Services will be happy to discuss life insurance, mortgage protection, critical illness cover and income protection cover options for climbers.
What to consider when looking insurance for climbing activities
Different insurers will offer varying policies with different limits and exclusions, so it is crucial to read the fine print and understand the terms and conditions thoroughly.
At Summit Financial Services we have worked with the British Mountaineering Council (BMC) for a long time and your adviser here will be happy to direct you to the BMC’s Travel & Activity Insurance if you are interested in climbing holiday insurance.
When it comes to life insurance, income protection and critical illness cover for climbers speak to our team of climbing and mountaineering specialists at Summit Financial Services. Our climbing specialists understand the unique challenges faced by climbers and can tailor policies to meet specific climbing and lifestyle needs. We will be happy discuss factors such as occupation, health, lifestyle, types of climbing pursued and interest in other extreme sports in order to find the best value protection for your activities.
Choosing the right policy
When choosing climbing holiday insurance, it is essential to consider the specific activities you’ll be undertaking. Policies vary in terms of coverage based on factors like altitude limits, types of climbing (e.g., rock climbing, ice climbing, mountaineering), and geographical regions. Some insurers may offer different types of cover for high-altitude climbs or expeditions to remote locations.
Before purchasing climbing holiday insurance, climbers should carefully review policy details, including coverage limits, exclusions, and any pre-existing condition clauses. It’s crucial to disclose all relevant information about planned activities and health conditions to ensure adequate coverage.
Contact Summit Financial Services About Climbing Holiday Insurance
Summit Financial Services is a leading specialist provider of climbing insurance such as life insurance, mortgage protection, income protection and critical illness cover.
Whether you are looking for a new policy, or if you have a policy in place elsewhere and would like to compare your cover, we will be happy to hear from you.
If you have been declined climbing insurance cover previously it does not necessarily mean that you will not be able to get cover again. It may be the case that your specific circumstances have changed or new insurers have come to the market with new products – so it is always worth a quick enquiry.
Call us on 0345 565 0937 or enquire online about climbing cover: