In reply to Simon Caldwell:
Who is this with? I'm keen for such a policy. Does it cover you walking to and from the crag? To be honest on most bolt clipping holidays I've come to realise that my biggest risk of injury is breaking my ankle on the way to the crag. I seem to fall over repeatedly.
I have a annual BMC cover but I'm changing it to someone else this year. Everytime I ring them with any sort of query about my cover they just say it's not covered. Minor stuff but I would be a bit wary if all my gear got nicked. I don't think it's covered by the sounds of all the technicalities. You cannot leave it unattended so basically only legitimate claim for stolen gear involves some sort of confrontation. If your car, your tent or an apartment gets broken into, everything is nicked then what happens? Who knows.