Rock Climbing & Life Insurance

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Rock Climbing

Rock climbing can range from very little risk to quite high risk, when it comes to insurance applications. There are quite a few things that insurers will want to know about your climbs before they offer you life insurance.

When you speak with our advisers we will be asking you:

  • How often do you climb?
  • What is the maximum height that you go to?
  • What is the grading of the climbs that you are doing?
  • Are you rock climbing in the UK or abroad?
  • Are you taking part in any competitions?

Life insurance for rock climbers can often be found at standard terms. Rock climbing life insurance applications can also potentially ask if you climb alone or in a group, the qualifications that you hold and if you are free climbing at all.

These questions don’t necessarily show in the initial stages of the life insurance applications, but our advisers get all of this information from the start so that we can find the right insurer for you quickly.

If your climbs are solely in the UK then life insurance is likely to be available with certain companies at standard terms, as the insurers can be sure that the climbs are not going to be too high.

If you just rock climb on artificial indoor walls then life insurance is likely to be accepted at normal rates.

Our expert advisers are to make sure that you get the best life insurance available to you.

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 insurance for rock climbers can often be arranged at standard terms.

Your climbs will generally need to be of a lower grading than severe and not be part of a professional competition. Where your climbs are considered to be of a higher risk you may find that your policy premiums increase to offset the risk of your hobby. Or you may be offered cover at a standard premium with mountaineering/rock climbing excluded from the critical illness cover.

If your climbs are located just in the UK there is a good chance of getting normal terms with some insurance providers, as they know the climbs in the UK are not too severe.

Our award winning advisers are here to find the right insurer for you so that you get the most competitive 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 for rock climbers may be available at normal terms, depending upon the insurer that you apply to.

Whether it is outside or on artificial indoor environment, you can often get income protection without much difficulty.

The insurer will want to know any injuries that you have had due to rock climbing, before they offer terms. If you have had broken bones, torn ligaments or similar injuries in recent years, it could be that the insurer places an exclusion for any claims relating to these specific areas of the body.

Our advisers will find the best income protection policy to match you and your hobby.

Get an Income Protection Quote

As a rock climber, you will be a fit and active individual. You may find that an insurance policy that rewards you for a healthy lifestyle, is ideal.

You can lower your premiums on a yearly basis and earn rewards too. Take a look at our healthy living page for more details.

Are you going outside the UK and plan to rock climb? Have a word with a specialist travel broker to make sure that you have the correct cover in place. You can find out more details on our travel insurance page.

Fun Facts

  • Rock climbing can burn up to 900 calories per hour
  • The most popular knot is the figure-of-eight
  • Rock climbing became popular in England in the 1880s
  • Mountain climbing
  • Mountaineering
  • Bouldering
  • Solo climbing
  • Lead climbing
  • Bottom rope climbing
  • Top rope climbing
  • Trekking
  • Falls from a great height
  • Equipment safety
  • Environmental factors
  • Height
  • Location
  • Group
  • Solo
  • Frequency
  • Qualifications
  • Experience

Below are tables showing the current UK grading system for rock climbing:

Traditional Routes
UK adjectival gradeUK technical grade
Moderate (M) 
Difficult (D) 
Very Difficult (VD)3c
Severe (S)4a
Hard Severe (HS)4b
Very Severe (VS)4c
Hard Very Severe (HVS)5a

Compiled from UK Grades Comparison Table, 2006, The British Mountaineering Council*

Common Questions

Hi, the insurers will be interested in how often you climb and where you intend to climb. UK based rock climbing with full safety equipment is not seen as particularly risky. The exact locations that you plan to climb abroad will be really useful to know as the insurers will want to know the maximum height that you are going to.

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Review by Desmond on 17th August 2022

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Rock 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

Rock Climbing

Client Reviews

Rock 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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Please feel free to request a quote from us using our online form. The more information that you can provide us about your health conditions, hobbies, travel and/or occupation, the more accurate indications of price we’ll be able to give you.

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