Into the hills-alone

[Lancashire Lad]

Originally Posted by eeyore

...That neednt be the case - lots of drivers have a crash ,claim on their insurance then continue driving safely and insured - come to that lots of people claim on their travel insurance but continue to be able to get cover...You only find your insurance rocketing if you take stupid risks (like driving drunk)....

I'm pretty much in agreement with you eeyore, but was looking at it from the point of view of it being more of a specialised insurance for a far fewer number of individuals than is the case for motorists, with consequent higher premium at the outset. Although the loss of no claims might attract less of a price uplift if suffiicient people were insured. I have knowledge of sport diving insurances, and some of their annual all risks premiums (if they will quote at all) are very prohibitive.

Of course there is the other probability, in as much as your consciencious people would be paying their premiums, whereas the idiots would still do what they were going to do anyway, regardless. Much as the multitude of uninsured drivers currently on the roads do.

Regards
Mike.