Are Microspikes considered 'specialist climbing equipment'?

The use of microspikes for hiking and trekking is usually considered specialist climbing equipment. 

There is no cover if you go on a hike or trek that requires the use of microspikes (even if they are carried “just in case”). 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.