In reply to CarlaJG:
I would also highly recommend Summit Financial Services, who will ask you sensible questions about your climbing.
Once I had a mortgage I figured I needed critical illness cover. My financial adviser quoted me £15/month but then when I told them about climbing it suddenly became £50/month AND excluded illness/death from climbing!! Summit FS arranged cover for about £17/month which covered climbing.
We reviewed the policy when we moved (new house, new mortgage) - the premium for OH was increased due to a previous history of depression, but not affected by climbing.