Life Insurance for Rock Climbing

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Life, Income Protection &
Critical Illness Cover
cover options

If you are looking for life insurance for rock climbing then speak to one of our specialist advisers today.

We have a long association with climbers having first established Summit Financial Services ( ) over 20 years ago to meet the financial protection needs of climbers and mountaineers.

As climbers sought life insurance, income protection, mortgage protection and critical illness cover for their activities they also expressed interest in cover for a diverse array of other outdoor sports. This led us, over time, to develop Sports Financial Services to meet the financial protection needs of many other hazardous and extreme outdoor sports, for example:

  • Cycling
  • Canoeing
  • Caving
  • Kayaking
  • Mountain biking
  • Mountaineering
  • Scuba diving
  • Skiing
  • Ski mountaineering
  • Sailing
  • Sky diving

The same team that administers rock climbing enquiries for Summit Financial Services also administers enquiries for Sports Financial Services. So, as a rock climber, you benefit from our long experience of helping climbers and mountaineers with financial protection.

Rock climbing insurance

Whether you are a beginner or veteran climber we will be happy to speak to you to discuss your financial protection needs.

Because of our experience we will be happy to discuss the types of climbing you undertake, e.g:

  • Bouldering
  • Deep water soloing
  • Lead climbing
  • Trad climbing
  • Top roping
  • Sport climbing
  • Via Ferrata

And your climbing grade(s), e.g.,

  • French climbing grades
  • UIAA climbing grades
  • UK adjectival grades
  • Moderate (M)
  • Difficult (D)
  • Hard Diff (HD)
  • Very Difficult (VD)
  • Hard Very Difficult (HVD)
  • Severe (S)
  • Hard Severe (HS)
  • Very Severe (VS)
  • Hard Very Severe (HVS)
  • Extremely Severe (E1, E2, E3, E4….)
  • UK technical grades
  • Bouldering grades
  • Via ferrata grades

Life insurance and rock climbing

Due to our experience of working with rock climbers, we are happy to speak to you about your climbing style, grade and participation.

Our experienced team at Sports financial Services can discuss the options available to you for life insurance, income protection, mortgage protection and critical illness cover to help meet mortgage commitments, contribute to bills or provide for a family should an accident or worse happen.

Insurance company for rock climbers

We have built a strong understanding of climbers’ needs and are happy to discuss the different aspects of your climbing in order to understand your needs and determine the various financial protection products that are available to you.

Even if you have existing cover in place, it may be worth a quick conversation with Sports Financial Services to discuss your current cover and obtain a no-obligation quotation.

Also, different insurers come to the market over time and others may change their terms. This may mean that different terms are available in the market place now than when you first applied for cover.

We have also found that some climbers carry their recreation into their occupational activities. For example, a rock climber that is engaged in industrial rope access (IRATA) work or similar rope access activities. If you are engaged in a hazardous or dangerous occupation then you can also discuss the availability of cover for those activities as well.

Financial protection for rock climbers

There are commonly 3 types of financial protection that rock climbers like to discuss:

  • Life Insurance
  • Critical Illness Cover
  • Income Protection

Subject to the type of rock climbing activities, other sports or occupational activities that you pursue there may be loadings, restrictions or exclusions applied to certain types of cover.

We work with the whole of market to find cover and are not restricted to a captive or select number of financial protection products. This means working with many insurance companies to identify where your requirements and higher risk activities impact on the type of policies that are available to you.


Examples of factors that could affect premiums and the availability of cover include:

  • Climbing altitude
  • Climbing grade
  • Type of climbing
  • Professional engagement with climbing
  • Climbing in remote areas or certain geographic regions
  • Ice climbing


Applying for life insurance for rock climbing

Applications for rock climbing life insurance, mortgage protection, critical illness cover or income protection follow a similar format.

Typically, we’ll start by discussing your type and level of climbing participation including discussion of such things as grade(s), geographic climbing locations and altitude limits of your climbing.

As with any enquiry for this type of insurance cover, we’ll also ask some common questions to better understand you, your climbing and your lifestyle, such as:

  • Your current health and any pre-existing medical conditions
  • Your present occupation
  • Your need for cover in relation to any outdoor instructional work or a hazardous occupation
  • Your different type(s) of climbing (e.g., outdoor trad, sport, indoor, bouldering, Alpine climbing, Scottish Winter climbing)
  • Your climbing grade(s) e.g.:
  • Sport grade
  • Trad grade
  • French grade
  • UIAA grade
  • Alpine grade
  • Scottish Winter Grade
  • Via Ferrata grade
  • Where you participate in climbing activities (e.g., UK, Europe, Worldwide)
  • Your maximum climbing altitude
  • Your sports governing body membership:
  • British Mountaineering Council
  • Mountaineering Scotland
  • Mountaineering Ireland
  • Your current income (if enquiring about cover for Income Protection)

Further to questions about your lifestyle, health, climbing and occupation we will also discuss the duration that you require cover for and the amounts of cover required:

  • Amount (£) of financial protection required
  • The duration of policy – number of years cover is required for
  • The type of policy you required – e.g., increasing, decreasing or level term cover

The combination of your climbing, lifestyle, health, recreation, occupation and other factors (such as those detailed above) will assist in the determination the financial protection options that will be available to your particular circumstances and the associated premiums.

Even if you have a policy in place elsewhere, we will be happy to hear from you even if this is only to provide you with the peace of mind of knowing how your cover and premiums compare with current market products.

To discover more about the benefits of cover for rock climbers please call and speak to an experienced adviser today.

You can call us for a free, no-obligation quote, on 0345 565 0935.

Alternatively, to enquire online, please click the link above and complete the online 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 . Your personal adviser at Sports Financial Services will also be able to refer you to a contact at Suttons who best suits your interests.

Sports Financial Services: September 2021