Ice Climbing & Life Insurance

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Ice Climbing

Ice climbing is an activity that insurers do feel is more risky than say sitting in an office, where the possibility of a big fall is quite unlikely.

With your ice climbing it’s really important to find the right life insurance provider for you, from the start. The problem you can sometimes have with hobbies is that with some insurers the prices can quickly shoot up. This is where our team of expert advisers can help you.

When you speak to our advisers we will ask you:

  • How often do you go ice climbing?
  • Are you free climbing or using safety equipment?
  • Are you part of a group or solo caving?
  • Do you abseil down after the climb?
  • Where in the world are you ice climbing?

You will find that some life insurance providers will increase your premiums a lot, because of your ice climbing. When we say a lot we really mean it, you can find with some insurers that your life insurance is priced  at hundreds of pounds per month.

Not all insurers will do this.

You might be able to get life insurance with a small premium increase, or the insurer you use might offer you life insurance with an exclusion related to any claim related to the ice climbing. It’s always best to avoid an exclusion, but if it’s a choice of an exclusion or no cover at all because the rest are too expensive, then it might be worth considering.

Our advisers will help find the right insurer for you to get you the best terms for life insurance.

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

Critical illness cover with most insurers will be offered with an exclusion related to ice climbing. There are certain parts of critical illness policies that you are more likely to claim on, given your hobby.

This is things like traumatic brain injury, loss of a limb, paralysis and some others too. You are still covered for these things when you are not ice climbing.

It’s really important as well to know that critical illness cover does not usually cover things like broken bones, dislocations or muscle injuries. So if you are wanting cover for these things, there are other insurances that are more suitable for you.

Our award winning advisers are here to find the right insurer so that you get the best terms for critical illness cover.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Income protection can often be available with a number of insurers, but the options you have can vary a lot.

Some insurers will add an exclusion for claims that happen when you are ice climbing. Some insurers can potentially offer you income protection without exclusions, if you have had no injuries or accidents in the last few years.

Our expert advisers are here to find the right income protection policy to support you and your hobby.


To be able to go ice climbing, you need to be fit and have strong physical endurance. 

Ice climbers might find that an insurance policy, that rewards you for living a healthy lifestyle, is a good fit.

There is a type of insurance that can provide practical financial rewards and lower premiums for being healthy. You can find out more on our healthy living page.

We work alongside a specialist travel broker who can help you find the cover you are looking for. You can get your no obligation quotation through our travel insurance page.

Fun Facts

  • The first ice climbing competition was in 1912 in Italy.
  • Frozen waterfalls are a popular choice for ice climbs with Italy, Norway, Japan and Canada seen as some of the top destinations to visit.
  • There are annual World Championship ice climbing competitions to find the fastest climber.
  • Alpine ice climbing
  • Glacier ice climbing
  • Mixed climbing
  • Water ice climbing
  • Waterfall ice climbing
  • Falls
  • Environmental factors
  • Frostbite
  • Disorientation
  • Hypothermia
  • Exhaustion
  • Location
  • Group
  • Solo
  • Frequency
  • Experience

Common Questions

Hi, I’m sorry that you have been told this. Depending upon the type of ice climbing that you do and the amount of insurance that you want, the prices can be quite high. But, sometimes it is just a case of knowing the right insurer that will be the best match for you. With a bit more detail we will research the market for you, so that you can see the most competitive pricing for your cover.

Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 747 reviews.

Review by Jacob on 25th April 2023

Excellent service. Despite having a complicated case, Cura really looked after me and worked hard to get a result for me. - 5 

You can read more of our reviews here.

Ice Climbing

Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

Ice Climbing

Client Reviews

Ice Climbing

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

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