In reply to A Downing:
Tell them you climb & wait for a response.
I've had varied responses from "hahahahahhaha - no"
to
"You climb... okay. No forms, no premiums"
In forms they use some daft climbing grades based on 1930's hob-nailed boots grades where 'severe' is near the top! I think they really start to panic if you say you climb outside the UK (like we have softer rock or something!!!)
FYI, when i telephoned 'Virgin Life' they gave the best response.