I'm not too familiar with the intricacies of insurance but what would happen if you were to continue rock-climbing and mitigated your risks (by climbing in a gym with toprope and a partner, etc.) such that you were never actually fatally injured while climbing?
What's the risk there-- that some sort of injury actually does happen, you're forced to reveal your hobby, and you'd be held personally liable/leave yourself open to prosecution for negligence? Or would your premiums just increase whenever the truth came out?
Sorry to speak in such negative hypotheticals, but I'm just genuinely curious about what the terms of "giving up" something for insurance entails.
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I'm not too familiar with the intricacies of insurance but what would happen if you were to continue rock-climbing and mitigated your risks (by climbing in a gym with toprope and a partner, etc.) such that you were never actually fatally injured while climbing?
What's the risk there-- that some sort of injury actually does happen, you're forced to reveal your hobby, and you'd be held personally liable/leave yourself open to prosecution for negligence? Or would your premiums just increase whenever the truth came out?
Sorry to speak in such negative hypotheticals, but I'm just genuinely curious about what the terms of "giving up" something for insurance entails.
Well, knowingly lying on an insurance application is a crime even if that lie doesn't cost the insurance company anything.