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General Climbing Discussion

Topic Date User

insure 4 less grade < 28 policy 25-Apr-2012 At 8:01:31 AM Ben_E

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On 24/04/2012 IdratherbeclimbingM9 wrote:

>Your experience with them still informs me that they have no idea when
>it comes to sport vs trad, and that they erroneously assume difficulty
>= danger!

Not sure I fully agree, I've gone through them a few times to get cover for US trips and they have at least known the relevant questions to ask with respect to trad/sport. I got the impression they had some relative risk assessments for those at least. I've also asked for cover for both trad cragging (Joshua Tree) and bigwall (multiday aid at Yosemite) at different points - I should see if I can figure out whether they charged differently for the two. You would predict the liabilities would be greater on a multiday El Cap climb due to potential rescue costs - I may be wrong though.

Difficulty didn't really come into it given I'm not climbing anywhere near 28, but you may be right about erroneous assumptions in that area.

All this has got to the point where it's going around in circles a bit though, including multiple threads. Clearly what we really need is some good hard empirical data, say, one person to insure through AAC and another through insure4less and for both to toss themselves off a climb so we can see what happens with actual claims. Anyone willing to take one for the team?