The grade 28 peculiarity is exactly the kind of thing we have asked them to address, and to their great credit they have been very responsive and taken all our feedback on board.
Essentially there will be a standard insurance which allows bouldering and sport climbing. Then you buy other options on top, such as trad/aid climbing and alpine. So you can have all three at once.
As I said, the details are still being worked out and should be available in the new year. In the meantime, if you need to arrange insurance, they can provide a quote on an individual basis depending on what you need.
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