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Life Insurance

Caving Life Insurance is generally available at standard terms provided that you do the activity no more than 25 times per year, are an experienced caver or are accompanied by an experience caver. If you go caving more than 25 times per year it is possible that your policy will be accepted at special terms, meaning that the premium is subject to a small loading due to your sport.

Cave diving itself is considered on an individual basis as the sport is seen as a more dangerous aspect of caving.

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Critical Illness Cover

Cavers Critical Illness Cover can be arranged at standard terms if the caving is infrequent, however many applications will result in an exclusion on the policy to any critical illness suffered as a direct result of your caving. There may also be an exclusion to the Total Permanent Disability aspect of the policy, however this should not cause concern as it is more of an additional feature to the policy than a specific critical illness. It is important to understand that whilst your policy may have exclusions, this is only for the time periods that you are actually caving, any time that you are not caving you are covered for the whole range of critical illnesses on your policy.

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Income Protection

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.

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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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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

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