Which of our 5 policies is right for you?


For those who are not participating in any sports but require short term travel, cancellation, medical and baggage cover only.

For a list of activities covered by the Travel policy please refer to the Policy Document.

The Travel only policy is not available to those aged 70 and above.

The Travel only policy is restricted to single trip cover. Multi-trip cover is available with the Trek, Rock and Alpine & Ski policies.

What’s not covered:

  • Any journey which is solely a pleasure cruise, unless agreed by us in writing in advance
  • Sporting, adventure or activity holidays


For hill walking, trekking, backpacking and scrambling up to 5000m.

What's covered:

  • Mountain walking in Britain – including the use of crampons and ice-axes.
  • Recognised trekking routes with simple glacier crossings and easy scrambles.
  • Via ferrata.
  • Mountain-walking trips including adventurous treks in the Alps, Pyrenees and lower routes in the Andes and Himalayas up to 5000m.
  • Non-technical ascents of easy trekking routes on peaks that do not require the use of technical climbing equipment.

Examples: Tour du Mont Blanc (not summit), Walkers' Haute Route Chamonix -Zermatt, GR 20, Vie ferrate in the Pyrenees and Dolomites, Inca Trail, treking in Patagonia and Yellowstone. Normal trekking routes on peaks such as: Tiede, Marmolada, Machu Picchu, Mount Toubkal, Mount Kinabalu

What’s not covered:

  • Ascents of graded climbs or technical ascents.
  • Trekking above 5000m (for this you'll need our Alpine & Ski policy)
  • Trekking in remote, inaccessible or polar regions. (for this you should contact the BMC office)

Examples: Everest Base Camp and most trekking peaks in Nepal, Kilimanjaro, Mount Kenya, Chimborazo, Aconcagua.

Other sports covered:

Canoeing and Kayaking (inland and coastal waters only), Cycle Touring, Horse Riding (excluding racing and jumps), Rowing, Snorkelling, Snowshoeing, Swimming, Surfing.

Rock – Altitude limit 5000 metres

For rock climbing and bouldering – indoors and outside up to 5000m.

What’s covered:

  • Trad climbing, single or multi pitch with leader placed protection (including big walling and lead climbing
  • Bouldering
  • Sport climbing
  • Speed climbing
  • Abseiling
  • Soloing
  • Deep-water soloing
  • Indoor climbing walls

Examples: Fontainbleau, El Chorro, Kalymnos, Colorado, Wadi Rum, Troll Wall, Yosemite, crags in alpine valleys with no glacial approaches, Val di Mello, Dolomites.

What’s not covered:

  • Rock climbs with crevassed approaches or descents
  • Any snow or ice climbing.
  • Climbing and abseiling above 5000m (for this refer to our Alpine & Ski policy)

Other sports covered:

All ‘Travel’ and ‘Trek’ activities are covered, plus: Orienteering, Yachting (inland and coastal waters only, excluding racing). Mountain and cross country running (Ultra-Trail du Mont-Blanc, Marathon des Sables)

Alpine & Ski

Trekking above 5,000 metres, and most types of skiing, climbing and mountaineering on most peaks of up to 6,500m

What’s covered:

  • Recreational skiing activities including on-piste, off-piste, cross country, dry slope/indoor slope, backcountry/touring, downhill, Telemark, Nordic, heli/cat-skiing, and ski-mountaineering
  • Scottish winter climbing, ice climbing, alpine climbing
  • All climbing in Europe and most peaks worldwide up to 6,500m
  • Trekking above 5000m eg. Most trekking peaks in Nepal, standard trekking routes on Aconcagua, via Horcones-, Vacas- and Guanacos- Valleys.
  • Snowboarding can be covered on payment of additional premium

Examples: Technical Winter climbing in Scotland. Mont Blanc and all the European Alps, Climbers' Haute Route Chamonix-Zermatt. Kilimanjaro, Mt Kenya. Southern Alps (New Zealand & Australia). Denali (Western Buttress only), Mt Foraker, Mt Hunter & Mooses Tooth. Chugach, Bugaboos, Cascade Ranges, Wind Rivers & Canadian Rockies. Island Peak, Everest Base Camp Trek, most trekking peaks in Nepal, Amphu Labsta & Gondogoro passes, Antisana, Cayambe, Illiniza Sur, Ojos Salados, Illimani, Aconcagua (except Polish Glacier & other technical routes).

What’s not covered:

  • Climbing in remote or inaccessible regions
  • Exploratory expeditions and new routes on unclimbed peaks
  • High-altitude technical climbing over 6,500m, especially in the Greater Ranges (Himalaya, Tien Shan, Karakoram, Andes etc)
  • Competitive winter sports
  • Free-riding, ski-jumping, paraskiing and kite-skiing
  • Freestyle (eg: aerials, big air, halfpipe, ski-cross and slopestyle)

Other sports covered:

All ‘Travel’, ‘Trek’, and ‘Rock’ activities are covered plus Cycle racing, Mountain Biking, Rafting, Scuba Diving (limited to 30m depth), Winter Sports including Ice Skating, Dog Sledging and Tobogganing.

High Altitude and Remote Areas

For all mountaineering and climbing activities including climbs and expeditions to very inaccessible regions and difficult or extreme high-altitude peaks anywhere in the world.

What’s covered:

  • Expeditions attempting new routes or exploratory mountaineering in the high mountains of Asia, South America, the Arctic and Antarctic.

Examples: Everest, Cho Oyu, Ama Dablam, K2, Denali, Aconcagua (Polish Glacier routes etc), Shishapangma, Mt Vinson, Denali (Cassin Ridge), Gunnbjorns Fjeld, Mount Khuiten, Peak Lenin, Huascaran.

Other sports covered:

Covers all activities under other policies plus any other activity declared to and agreed by us.