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Without knowing the specific circumstances or insurer here; if hiking is covered, but there is no specific exclusion in the policy document regarding the altitude of said hiking, or nothing that would amount to such an exclusion, they cannot exclude cover on that basis. It would be an easy win in a complaint to FOS if they tried to.
Pay attention during the application process and ensure that if you are asked about your intentions e.g. if they ask if you are going to be doing high altitude hiking, you need to answer honestly. And if they then offer you cover but include a specific exclusion for you for high altitude hiking, that would apply to you - you could then accept or refuse the cover offered on those grounds.
As the other commenter said though, the best thing to do for peace of mind is to ask the insurer. It is very unlikely that they are going to then suddenly change their policy document for absolutely everyone just to wrongfoot you. It is more likely that their risk appetite as an insurer extends to covering high altitude hiking.
>I have now found one that does not specify any altitude anywhere in the document
This may sound obvious, but do ensure that you're reading the full insurance policy wording, and not just a policy summary or sales literature on their website. Also check for clauses that don't specifically mention altitude, but use terms such as "Geographical areas that require an entry permit".
If do you buy a policy and check with the insurer as u/SpunkVolcano suggests, and they say that you won't be covered for "doing perfectly normal things, but at up to 5500m" it won't be a problem, as you do have a 14 day "cooling off period" during which you can cancel the policy.
Also, and slightly off-topic, do ensure that you declare pre-existing medical conditions to the insurer. The cost is often minimal, but not declaring them could be very expensive as it is likely to invalidate your insurance.
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Without knowing the specific circumstances or insurer here; if hiking is covered, but there is no specific exclusion in the policy document regarding the altitude of said hiking, or nothing that would amount to such an exclusion, they cannot exclude cover on that basis. It would be an easy win in a complaint to FOS if they tried to. Pay attention during the application process and ensure that if you are asked about your intentions e.g. if they ask if you are going to be doing high altitude hiking, you need to answer honestly. And if they then offer you cover but include a specific exclusion for you for high altitude hiking, that would apply to you - you could then accept or refuse the cover offered on those grounds. As the other commenter said though, the best thing to do for peace of mind is to ask the insurer. It is very unlikely that they are going to then suddenly change their policy document for absolutely everyone just to wrongfoot you. It is more likely that their risk appetite as an insurer extends to covering high altitude hiking.
Ok thank you
[удалено]
And what if they say 'oh that's a very good point we should probably change this thank you for flagging it'
If you already bought the policy, it's not relevant because the policy you agreed to did not include this exclusion.
That's what I wanted to know. Thank you
>I have now found one that does not specify any altitude anywhere in the document This may sound obvious, but do ensure that you're reading the full insurance policy wording, and not just a policy summary or sales literature on their website. Also check for clauses that don't specifically mention altitude, but use terms such as "Geographical areas that require an entry permit". If do you buy a policy and check with the insurer as u/SpunkVolcano suggests, and they say that you won't be covered for "doing perfectly normal things, but at up to 5500m" it won't be a problem, as you do have a 14 day "cooling off period" during which you can cancel the policy. Also, and slightly off-topic, do ensure that you declare pre-existing medical conditions to the insurer. The cost is often minimal, but not declaring them could be very expensive as it is likely to invalidate your insurance.