Get a Quote
0800 246 5191 Get a Quote

Life Insurance For Rock Climbers

  • Life insurance for rock climbers available
  • Indoor vs outdoor climbing affects premiums
  • Specialist high-risk activity underwriting
Get Free Quote »
Life insurance protection

We work with some of the UK's leading insurers

Aviva
Legal & General
LV=
SCOTTISH
WIDOWS
Vitality
Zurich

Life Insurance For Rock Climbers

Complete guide to life insurance for rock climbers, hikers, and mountaineers. Yes, you can get life insurance as a rock climber - with approximately 1,000,000 people indoor climbing in the UK and 100,000 regulars. Indoor climbing at supervised centers usually gets standard rates, outdoor climbing on established routes adds 10-30% to premiums, while high-altitude climbing (6,000m+) or solo climbing adds 30-100%+ or requires specialist insurers. Full disclosure ensures full coverage for climbing accidents.

By: Ben Bendall Protection Expert Updated: 6th January 2026

Compare Life Insurance Quotes »

What impacts your life insurance as a rock climber?

The UK's different types of terrain are perfect for hikers, mountaineers, and rock climbers. With its natural peaks, gradients and stunning views, people all over the UK spend their free time climbing.

With rock climbing becoming an Olympic sport in 2020, indoor climbing has exploded in popularity. Approximately 1,000,000 people now indoor rock climb in the UK, including 100,000 regulars[1].

This growth in popularity has also caused a growth in requests for rock climbing insurance.

Through human error, it's a possibility you could be injured or even worse no matter how much of an experienced climber you are.

Which is why it's important to secure a life insurance policy to protect family members if something were to happen to you.

But can you still secure life insurance with this hobby and will rock climbing impact your premiums?

Please note, there isn't a specific product for rock climbers and this article refers to someone who rock climbs and is applying to standard life cover.

In this article we'll cover everything you must know, so you can keep rock climbing and have financial security.

Why secure rock climbing life insurance through LifePro?

  • Whole-of-market comparison from 50+ UK insurers
  • Expert advice from FCA-regulated advisors
  • No extra cost - insurers pay our commission
  • Fast quotes in 60 seconds
  • Support throughout your policy lifetime

Does rock climbing affect life insurance?

Yes, rock climbing as a hobby or as part of your occupation may influence the price you cover your life insurance.

However, you could secure adequate life insurance as a rock climber.

Life insurance calculator

Calculate how much life insurance you may need by filling in the costs you'd like your policy to cover.

The amount of life insurance you need depends on your financial obligations and what you want to provide for your loved ones. A common rule of thumb is to have cover worth 10 times your annual salary, though your individual circumstances may require more or less.

Consider the following when calculating your life insurance needs:

  • Outstanding mortgage balance
  • Other debts and loans
  • Income replacement for your family (typically 5-10 years of salary)
  • Children's education costs
  • Funeral expenses (typically £4,000-£10,000)
  • Any specific financial goals for your dependents

For example, if you have a £200,000 mortgage, earn £40,000 per year, and want to provide 10 years of income replacement, you might need around £600,000 of cover (£200,000 + (£40,000 × 10)).

Use our free comparison tool to get personalised quotes from 50+ UK insurers, including Life Insurance For Rock Climbers, and find the right level of cover for your needs at the best available price.

Compare Life Insurance Quotes »

Frequently Asked Questions

Can I get life insurance if I rock climb?

Yes, you can get life insurance as a rock climber. Indoor climbing at supervised facilities typically gets standard rates with no premium increase. Outdoor climbing on established routes with safety equipment may add 10-30% to premiums. High-altitude climbing, solo climbing, or extreme routes can add 30-100%+ to premiums. Always declare your climbing activities - non-disclosure can invalidate claims.

Does indoor rock climbing affect life insurance premiums?

Indoor climbing at supervised climbing centers usually doesn't affect premiums. Most insurers treat supervised indoor climbing as low-risk and offer standard rates. However, you still must declare it on your application. Competitive indoor climbing or bouldering without ropes may result in slight premium increases (5-15%) depending on the insurer.

How much more does life insurance cost for outdoor rock climbers?

Costs vary by climbing type and difficulty: Established outdoor routes (UK crags, sport climbing) - 10-30% premium increase, Alpine climbing or mountaineering - 30-50% increase, High-altitude expeditions (6,000m+) - 50-100%+ increase, Solo climbing or free climbing - 100%+ increase or exclusions. Experienced climbers with safety training may get better rates.

Will my life insurance cover rock climbing accidents?

Yes, IF you disclosed your climbing activity when applying. Declared climbing activities are fully covered. Undisclosed climbing can result in: Claim rejection, Policy cancellation, No payout to beneficiaries. Insurers WILL investigate claims and check medical records. Always be honest about your climbing - it's better to pay a higher premium than have a claim rejected.

What information do insurers need about my rock climbing?

Insurers typically ask: Frequency (how often you climb), Location (indoor/outdoor, UK/abroad), Type (sport climbing, trad climbing, bouldering, alpine), Altitude (climbing above 6,000m is high-risk), Experience level and qualifications, Use of safety equipment (ropes, harnesses), Whether you climb solo or with groups. More details help insurers assess risk accurately.

Can I get exclusions for rock climbing instead of higher premiums?

Some insurers offer exclusions as an alternative to premium increases. This means: Lower premiums (standard or slightly increased rates), BUT no payout if death is related to rock climbing. This is risky - if you die in a climbing accident, your family gets nothing. Better to pay the higher premium for full cover. Only consider exclusions if climbing very infrequently.

Get Your Free Quote

Answer a few simple questions to get your instant quote

33% Step 1 of 3
Free & no obligation
Instant quote in 60 seconds
Compare UK's best providers

Get Life Insurance as a Rock Climber

Indoor climbing? You may qualify for standard rates. Outdoor climber? We'll find insurers offering competitive premiums for your activity level. Compare 50+ UK providers.

Get Free Quote Call 0800 246 5191

Free, no obligation quotes • FCA regulated advisors • 100% impartial