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Topic - Climbing grades and life insurance

lazzaw - on 18 Oct 2012
I'm looking for some new life insurance and want to include cover for climbing, but I was a bit stumped by how to answer one of the questions regarding climbing. Having said that I climbed, it asked if I climbed at grade above Severe.

I often climb a range from D to HVS (on a brave day) but have never climbed (and am unlikely to attempt) E numbers. Therefore my highest grade climbing is probably going to be HVS.

I telephoned the insurance company for clarification. As expected the details of the UK grading system eluded them (not understandably). I received advice in the same call that climbing at any 'severe' subdivision would be fine (ie S, HS, HVS), then a few seconds later that anything above S would be excluded and if I wanted to increase it to cover anything higher an additional premium of 26p per 1000 of cover would be levied.

For now I've said I don't climb above severe and this will require clarification with the underwriters, but any ideas if HS& HVS are classed as subdivisions of Severe or if I'm going to end up with invalid insurance?
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