OK so it's a plug but Summit FS saved me almost £30 a month on our life insurance (and I feel epic)
Lots of new cams and other shiny things now comming my way with all that spare cash
Make sure you try them out - they know that climbers do actually try not to get killed and therefore don't go straight for the generic crazy person, high premium policy. Also they didn't try to get me into a clawback clause that some brokers may try on you, see this thread;
http://www.ukclimbing.com/forums/t.php?t=481523&v=1#x6674985
Regards
Edd