Diving & Travel Insurance and Diving & Life Insurance

How diving affects Travel Insurance

Scuba diving can introduce you to a wonderful underwater world and an incredible sensation of feeling weightless. And 2013 is an important one for the activity in that it marks 70 years since Jacques Cousteau and a colleague devised the modern aqualung.

Before you set off on your next diving trip you will need to be sure that you have the right diving insurance cover specifically for the activity – which may not be included in a general travel insurance policy.

It’s also important that you get the right policy for the deepest levels to which you will be diving. Some policies only cover dives down to very shallow depths, and you may have to pay an additional premium to go deeper.

You should check in the small print of any scuba diving travel insurance policy to see whether or not coverage for the following is included:
•    Dive Equipment in transit, storage and use
•    Search and Rescue costs
•    Cancellation if you are fit to travel but unfit to dive
•    Independently booked trips
•    Hyperbaric treatment costs
•    Long-term incapacity and personal liability
As with all insurance policies, find out what excess you would have to pay yourself if you need to claim.
In 2012, Dive Master Insurance marked 25 years of providing specialist, affordable dive travel insurance. Although being UK-based, we are also represented across the world and have provided diving insurance to many dive associations as well as individuals going on diving holidays, professionals, instructors and the dive trade.

How diving affects life insurance

You may also be wondering how diving affects your life insurance policy, and whether you should tell your insurance provider that you dive when you apply.
The reality is that whether non-disclosure was intentional or not, your provider can technically still void your contract if you don’t let them know that you dive.
In practice, however, insurers may consider non-disclosure to be innocent, negligent or fraudulent, so it’s important for you to disclose your diving activities.

So with any life policy you should always make the company aware that you dive, and the full extent of your diving, including the maximum depth you dive to, and for example, if you wreck dive.

Dive into our website and learn more today.