Life Insurance
When ice climbing, it’s crucial to choose the best life insurance provider right from the beginning. The issue that can arise with hobbies is that certain insurers may increase prices rapidly. This is where our team of experts can assist you.
Our advisers will ask you questions when you speak to them:
- What is your frequency of ice climbing?
- Are you climbing with or without safety equipment?
- Do you prefer caving in a group or solo?
- After the climb, do you abseil down?
- Which location are you ice climbing at?
Some life insurance providers may raise your premiums significantly due to your ice climbing. When using the term “a lot,” it is often the case that certain insurers may set the price of your life insurance at hundreds of pounds per month.
Some insurers may not do this.
It’s possible to obtain life insurance with a slight premium hike, or the insurance company may provide life insurance with an exclusion for ice climbing-related claims. It is generally advisable to steer clear from exclusion, but if the only other option is no coverage at all due to high costs, then it may be worth contemplating the exclusion.
Critical Illness
Most insurance companies provide critical illness cover, usually with an exclusion specifically for ice climbing. Certain parts of critical illness policies are more likely to be claimed based on your hobbies.
Examples include traumatic brain injury, limb loss, paralysis, and other similar conditions. You are covered for these things even when you’re not ice climbing.
It is essential to understand that critical illness cover typically excludes conditions such as broken bones, dislocations, or muscle injuries. If you need coverage for those items, there are other insurance options that might be a better fit for you.
Income Protection
Income protection is typically offered by various insurers, however, the available options can differ significantly.
Certain insurance companies may include a provision that excludes coverage for incidents during ice climbing. Certain insurers may provide income protection coverage with no exclusions if you have been injury and accident-free in recent years.
How We Work
1: We contact you and take down your details, income outgoings, name, address etc.
2: We will research the whole market and email you a detailed quote as well as a list of documents to proceed.
3: You upload the documents and information needed via our channel our online portal.
