What is ice climbing?
Typically ice climbing is the ascent of ice formations such as icefalls, frozen waterfalls or rock that is covered in ice that has frozen from a flow of water. Ice climbing can be challenging due to the nature of the environment and weather conditions. Protecting routes can also present a challenge. Climbers are normally roped and placed with protection during an ice climbing ascent.
Climbers usually distinguish between pure ice climbing and Alpine / Scottish Winter climbing. In Alpine / Scottish Winter conditions ice is typically encountered in the mountain environment and is climbed as part of a longer ascent of a route to reach a mountain summit. In contrast, ice climbing is typically a more technical activity on frozen liquid flows of water.
True adventure sports like ice climbing call for participants to be prepared to deal with the unexpected. Ice climbers must remain alert due to the technical nature of the sport, unexpected weather, and changes in the ice conditions.
Why should I consider ice climbing insurance?
There are a number of reasons why you should think about getting ice climbing insurance. Cover options typically range from straightforward life insurance to help support a family if the worst was to happen, to income protection that could provide some level of benefit if you are unable to work as a result of an accident.
When it comes to ice climbing, we have over 20 years of experience helping to find protection for climbers and mountaineers, so you are in safe hands.
What are the main factors that underwriters consider when assessing an application for ice climbing insurance?
- Geographic location
- Your general health and fitness
- Your climbing grade
- Any pre-existing health conditions
- Any other hazardous sports you pursue
The availability of cover will be dependent on a number of factors and your answers to the questions above. When applying for life insurance for ice climbers we will discuss your health, lifestyle and any other hazardous pursuits for which you would like to obtain cover.
What are the standard questions I will be asked when my application is assessed for ice climbing insurance?
When you enquire about ice climbing insurance, we will discuss a number of personal, lifestyle and health-related topics, such as:
- Do you smoke or have you smoked in the past 12 months?
- How much alcohol do you consume on average each week?
- What is your height and weight (body mass index)?
- Have you ever been diagnosed with or do you suffer from a pre-existing medical condition?
- What is your occupation and is it classed as high risk?
- Would you like cover for other activities in addition to ice climbing?
Can Sports Financial Services provide me with ice climbing insurance?
Sports Financial Services specialises in providing financial protection to those who engage in hazardous hobbies and occupations. Because ice climbing requires technical expertise and is often done in challenging conditions, ice climbing insurance frequently calls for more specialised types of insurance.
With over 20 years of experience, Sports Financial Services are a great choice when it comes to providing people with the right advice and protection. Whether you want to talk about the best life insurance, critical illness insurance, or income protection insurance for your ice climbing you have come to the right place.
Speak to one of our sports specialist advisors today to find out more, or alternatively fill out our online contact form.
Finally, as an additional service, we work closely with our parent company, Suttons Independent Financial Advisers. So, if you require any further information about other financial services such as pensions, investments, mortgages or financial planning please visit www.suttonsifa.co.uk .