Specialist mountaineering insurance for individuals and instructors
Whether you’re hiking in the Lake District, or attempting a hard, multi-pitch climb, mountaineering has many hazards, including the weather, equipment failure and risk of falling. Mountaineering requires skill and expertise, and instructors have the responsibility of guiding novices in both summer and winter, in dynamic environments.
Specialist mountaineering insurance through Insure4Sport is designed to give mountaineers and mountaineering instructors tailored cover, with options including Personal Accident, Loss of Earnings and Sports Equipment cover.
Why choose Insure4Sport for mountaineering insurance?
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FREE Multi-Sports Cover
Insure4sport arranges multi-sport cover for over 400 sports & activities.
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FREE £250 Equipment Cover
Get cover for theft, loss or accidental damage of your equipment when purchasing a policy.
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Rated 'Excellent' on Trustpilot
Rated Excellent on Trustpilot and insurance provided by Aviva.
Types of mountaineering insurance
There are different options for mountaineering insurance through Insure4Sport:
Mountaineering insurance: This cover option is tailored to suit individuals participating in mountaineering and includes Personal Accident, Third-Party Liability and equipment cover. Mountaineering teams insurance is also available for those who are looking to insure a group of people participating in the activity.
Mountaineering instructor insurance: Tailored cover for mountaineering instructors which can include Public Liability cover, Professional Indemnity if a client suffers an injury following your instruction, and Loss of Earnings in case you’re injured and can’t work. All mountaineering instructors/guides must have at least 5 years of practical experience in mountaineering to take out an instructor policy (see Important Documents page 19).
What does mountaineering insurance cover?
Mountaineering insurance can provide financial cover when you’re on the side of a mountain, whether participating or instructing.
Specialist mountaineering insurance through Insure4Sport can help cover some or all of the costs if:
- you accidentally cause an injury to a third party or their property during a mountaineering expedition or other mountaineering activity
- your mountaineering equipment is accidentally damaged, lost or stolen
- you suffer a serious injury while on the mountain
If you take out a mountaineering instructor insurance policy through Insure4Sport it could also apply to:
- a client making a claim against you if they become injured while following your guidance in a mountaineering session
- an injury to yourself during a mountaineering trip that means you can't work for a while
- an employee of your mountaineering instructor business making a claim against you for injury during a mountaineering coaching drill
For the full list of what is and isn't covered with a mountaineering insurance policy for an individual, team, or instructor, head to our Important Documents page.
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No, indoor and outdoor rock climbing doesn’t tend to be covered by mountaineering insurance. Instead, this would be covered by rock climbing insurance. If you regularly climb indoors or are an instructor, you can learn more about rock climbing insurance through Insure4Sport.
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Yes, you can add worldwide cover to your tailored mountaineering insurance policy. This provides the same level of cover, whether heading up a mountain in Europe or worldwide. However, you would not be covered for any mountains above 2,000 meters unless agreed with Insure4Sport in writing. You also would not be covered for claims on the following mountains:
- Annapurna
- K2
- Nanga Parbat
- Kangchenjunga
- The Eiger (North Face)
- The Matterhorn
- Mt. Everest (above base camp)
- Denali
- Baintha Brakk
- Trango Towers
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The cost of mountaineering insurance varies depending on several factors, including where you’re planning on mountaineering and the level of cover you choose. The easiest way to understand how much your mountaineering insurance policy could cost is to get a quick online quote.
FREE multi-sports cover
Do more than one sport? You could benefit from free multi-sports cover through Insure4Sport.
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