How to choose the best rock climbing insurance
Do you need rock climbing insurance?
With so many potential injuries from breaking bones to altitude sickness it is worth considering. Hospitalisation abroad can be extremely expensive without insurance.
Also, rock climbing comes with expensive equipment that you might need replacing if it gets damaged or stolen.
What does it cover?
It covers you if you need to cancel your trip due to illness or injury prior to your travelling.
It covers your equipment against theft or damage. This includes anything from helmets or ropes to harness.
This covers you in case you have an injury and need treatment and hospitalisation.
This usually comes as an extra and provides you with cover in case your flight gets delayed.
What activities are considered rock climbing?
Alpine mountaineering
Big wall climbing
Bouldering
Fell running
Hill walking
Ice climbing
What type of insurance do I need for rock climbing abroad?
If you are going to undertake rock climbing abroad your travel insurance won't cover you. You will need specialised sports insurance that is suitable for rock climbing.
When taken a rock climbing insurance make sure you read the policy carefully as there are often exclusions and restrictions such us not climbing above a certain altitude or prohibited activities such as mountaineering.
What should I be wary of before purchasing rock climbing insurance?
You need to carefully read your policy documents and check what activities are covered.
A lot of insurers have restrictions on outdoor climbing and they might only cover you to a certain altitude degree. It could invalidate your insurance if you undertake activities that are not met in the insurance policy
You need to make sure that you have the correct equipment in place. If you fail to show the insurer that you have taken appropriate measures this could invalidate your policy.
Q
Do you need rock climbing insurance?
A
You do not legally need insurance to undertake rock climbing, but it can cover the cost of damage to your equipment, or any injuries.
Q
Does rock climbing insurance cover me to play overseas?
A
Most policies provide cover for Europe, Worldwide, Worldwide excluding USA & Canada and UK. However, you need to make sure you get the right cover for your trip.
Q
Can I be covered for multiple trips?
A
Yes, most insurers provide you with the option to either choose a single policy or an annual policy. Annual policies are more expensive but worth considering if you are regularly go rock climbing
Q
Does rock climbing insurance cover my equipment?
A
Sports equipment usually comes as a standard and most providers should cover you for any loss or damage to your gear
About our rock climbing insurance comparison
Q
Who do we include in this comparison?
A
We include rock climbing insurance policies available from our panel of insurers and brokers. They are all regulated by the Financial Conduct Authority (FCA).
Q
How do we make money from our comparison?
A
We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services.
Q
Do we offer the comparison service for free?
A
Yes, it's completely free for you to use, whether or not you take out a policy. You also do not pay any extra to our panel, the deal you get is not affected.
