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General Climbing Discussion

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insure4less 11-Jan-2012 At 9:06:10 PM jono_1

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On 11/01/2012 AndyJS wrote:
>On 11/01/2012 dalai wrote:
>>Given many people have house insurance and that the insurance companies
>>don't always payout for damage to said houses...
>
>That's always the risk I guess. All you can do is try to get them to be
>as explicit as possible with their terms, and then ensure that you stick
>to them (or agree on a good story that fits their policy once it all hits
>the fan, heheheeh).
>
>I suppose this raises another question - is it better to get a policy
>that explicitly rules in dangerous activities and then to stick to their
>terms, or would it be safer to go for a policy that doesn't explicitly
>rule OUT climbing and hope that they don't try to get you on a fine print
>technicality?

I would go for the policy that specifically covers activities you will be doing so you know you are covered. Of course you will pay a premium but you will get peace of mind, which is what you want when you take out insurance rather than worrying about whether you are going to be covered if you deck out.

Sorry I didn't notice in original post that the insurance was specifically for rock climbing.
So I had a read of the website and it is basically useless for the 99.99999% of sports climbers that don't wear helmets cause they are not cool. And what is a 'approved route'? But it is good to see an insurance company in Australia giving it a go. I notice they also used to offer wedding insurance. Wonder what that is all about? I can't imagine telling my soon to be wife I want to take out wedding insurance just in case I decide to do a runner on the day.