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Ha! Gouda were fine with the caving part, but wouldn't insure me for any climbing (!?!). So I swapped to Europeiska, who covered both. Seems like a good policy http://www.europeiska.se/en/Private/Our-travel-Insurances/Travel-Insurance-Extreme/ if anyone needs anything similar in the future...

Excellent, thanks for that: they were really helpful, and insured me even after I explained that we were looking for new caves. Now I just hope we find something....

I'm going on a caving expedition to Montenegro, does anyone know a Swedish insurance company which covers expedition caving (i.e. exploring new caves)? Thanks!