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Life Insurance

One item mentioned in many responses to services the Club could provide was life insurance that covers mountaineering and climbing.  We have looked into this and thanks to Peter Garrett, a voluntary group scheme has been brokered and underwritten by Sovereign Insurance.

This policy is only available to NZAC members.

Sovereign is prepared to underwrite life/trauma/accidental death cover worldwide for members who engage in mountaineering.  Income replacement insurance is also available but without climbing and mountaineering coverage.  However, it is possible to write more than one policy on a person’s life, with one covering mountaineering and climbing and the other priced significantly more cheaply by excluding climbing and mountaineering.  Premiums will be discounted by 10% for the time being by the Registered Financial Advisor members are referred to, which will continue for as long as the policy stays active.  However, this discount is no longer provided by Sovereign Insurance but by the Financial Advisor who receives less commission as a result.  Consequently, members are advised that there is no guarantee this offer of discounted premiums will continue to be offered to future applicants, although there are no plans for it to be changed for the time being.

For those interested in obtaining life insurance, please email   When emailing Peter, please let him know your full name, date of birth, contact phone number(s) and best time of day to call.  He will then arrange for a Registered Financial Adviser to get in touch with you.


Each policy issued will vary between customers depending on what options are chosen.  Download a description of the Sovereign Life Cover Benefits (pdf, 292kb) and main part of the policy wording (pdf, 71kb) (not a complete wording) for information.


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