Income Protection for cavers is available at similar terms to that of Critical Illness Insurance. Your policy will probably contain an exclusion for any claim made due to incapacity from a caving expedition. As mentioned above, this exclusion is only relevant for times when you are caving which in the grand scheme of things is probably a much lower percentage of any time in a given year than you would expect.
If you require cover whilst caving then an option may be available though a short term accident/sickness policy. We recommend that you speak with one of our trained advisers who can fully explain the security that an Income Protection policy could provide you.
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Caving, or potholing, involves the exploration of caves for leisure purposes. The terrain can be unpredictable with cavers required to negotiate a range of environmental factors including pitches, squeezes, running water, stalactites and stalagmites. Proper safety training and exit preparation are key aspects to successful caving trips. Caving is seen as a high risk activity due to the potential that when things go wrong, they can go very wrong, and rescue attempts can be difficult to complete in good time.
Other Services Available
You can apply for any of the following services through ourselves
* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.
Further Reading and Research
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