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General Climbing Discussion

Topic Date User

Insurance - Income protection. 9-Dec-2010 At 12:53:20 AM tinman

Message

Hi
I'm in this industry and have tried many ways to get the guys to insure me whilst climbing outdoors. e.g. i said to them that if i do climb outdoors, i usually climb only up to 5m, and use lots of crash pads and spotters, im part of vcc, always climb with ropes protection etc.

I ended up taking out the following cover:
Death cover- covers outdoor rock climbing but with a loading on premiums (i pay more than std rates)
Trauma cover- covers outdoor rock climbing but with a loading on premiums (i pay more than std rates)
Total and Permanent Disablement- outdoor climbing excluded so if something happens whilst rock climbing outdoors and i cannot work again i wont get paid out under this cover
Income protection- outdoor climbing excluded and same as above.

i queried them about what outdoor climbing meant- eg if i walk up to hollow mountain
cave on that rocky track, is that considered outdoor climbing? they said that would be hiking.

If you plan to do mountaineering though e.g. eigers, or k2, you must disclose this and you will probably not be accepted.

If you need anything let me know.

Tin