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insure4less 11-Jan-2012 At 2:15:04 PM AndyJS

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Trad is included in the "Alpine" plan, which is essentially the same as the "Standard" plan except that it doesn't explicitly rule out placing your own gear on lead. However the multi stage ascent reference is in both plans with the same wording.

I too was thinking it might refer to the acclimatisation phase of a summit attempt or something, however it's not clear. And when it comes to insurance anything not clear is something that can be disputed in the event of a claim, which is quite a risk. There's no reference to the words "stage" or "ascent" in the product disclosure statement - http://www.insure4less.com.au/icms_docs/102650_Product_Disclosure_Statement_v5.pdf - and the word "multi" only comes up outside of the context of climbing. I can't find a PDS specific to the rock climbing policy but perhaps i've overlooked it somewhere?