Not directly related to the original question, but why these absurd prices for insurance in the UK? I work for the Dutch equivalent of the BMC and our worldwide, one year, covers_everything_except_aerial_sports insurance policy for our members costs € 30,75/year.
People get insurance to go bouldering
I’d check whether a standard insurance policy covers you for being on a combined work and holiday trip?
What are you wanting to insure against? You might want to look at a Global Rescue annual policy if you’re after medical evacuation/repatriation in the scenario of landing on your head at Araps. Depends on the trip duration but annual cover for max 45 day trip is USD359.
Is that really true? Given it's a restriction in the terms, I'd was under the understanding they'd use it as a loophole to avoid paying out for anything... i.e., your policy would be void from the word go (like if you failed to disclose a pre-existing medical condition - I think they can void the policy even if a claim doesn't relate to the condition itself?)
I'd have to look at the policy terms to say 100% but what SM quoted didn't look like it's in the terms it's just an FAQ, and as I say looks to be based around covering the company by giving advice that ensures full coverage.