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Related UKC Forum discussions
Is climbing/mountaineering a sport which should be disclosed to an insurance company when applying for life insurance?
This is a question very few of us ask, but perhaps more of us should pay some attention to it as failure to disclose to your insurance company that you climb may impact on your life policy cover. Legally your insurer may void your contract whether your non-disclosure was intentional or not.
A helicopter rescue in the beautiful En Vau in the Calanques near Marseille.
© Alan James - UKC, Apr 2010
In practise, insurance companies tend to review non-disclosure claims as one of three different cases: Innocent, Negligent or Fraudulent:
NB. Negligent and fraudulent non-disclosures are difficult to distinguish between, and can therefore also result in any claim payout being delayed at the very least.
For your consideration
by David Hallam, Director of Summit Financial Services