Looking for a bit of advice or ideas.
Buying a new house very soon and figured bigger house, bigger mortgage etc maybe I should get some income protection. My mortgage broker also advised it (he will get commission if he finds me something, so unsurprising). Due to no wife or kids and the fact that the capital I have in this house and another means should I die etc my family won't be left with any debt worries or funeral costs I am not currently looking at life or critical illness cover. Just something that if i can't work for a prolonged period I can continue to live and pay my bills etc.
Here then is the problem. Tell an insurance company you Rock climb, boulder, mountaineer, Ice climb, mountain bike and they won't cover me.
Just wondering what others have done, do you just not say you do those things and accept that if the time off work is due to a climbing accident you won't get paid? Insure yourself for climbing separately or are there companies out there that will insure you and not up the premium to a silly level?
The annoying thing is I know I am far more likely to injure myself and need time off work falling off the bike than I am climbing. This policy won't cover death (potentially more likely climbing) yet the mountain biking isn't an issue at all.
Any thoughts, dare I say it (on these forums) even useful, helpful advice appreciated.
Cheers