Travel insurance is due for renewal this month.

renewal quotation from my current insurer (www.scubasure.com) is £123.26 for
a couple worldwide/12 months

Anyone got a better price for a comprehensive dive policy?

> I use Direct Travel Insurance Annual Multi-Trip. It costs me £51 for World
> Wide cover. I am currently thinking of going to the Family premium (£73)
to
> include my wife who currently has her own policy. It is fairly cheap for
me
> as I am a BSAC Advanced Diver. Ring for a quote 01903 812345 or look at
> [..] .

Whilst the policy is cheap it is also rather restrictive.

"We cover scuba diving at no additional premium. The depth to which we will
cover you depends on your qualification, in all cases, diving must be under
the direction of an accredited dive marshall, instructor or guide and within
the guidelines of the relevant diving or training agency or organisation.
For PADI qualified divers the limits of our cover are: Open Water - 18
metres; Advanced Open Water - 30 metres; Advanced Plus - 40 metres.

For BSAC qualified divers the limits of our cover are: Club Diver - 20
metres; Sports Diver - 35 metres; Dive Leader - 50 metres"



So you are only covered when with an Instructor/DM etc. What happens if you
are BSAC and the DM you are with is PADI? Whose "guidelines" should you
follow?

As depths limits are specified absolutly, what happens when you are at a
dive to 18m, and momentarly drop below this depth for a short period? (the
18m depth restriction on PADI OW is only recommended and not an absolute
limit.) What happens if during a dive your buddy gets into trouble, and you
drop below the depth limit in order to assist them, where you then require
assistance yourself?

You then have a problem and attempt to claim - straight away your claim will
be thrown out. I have heard of this happening before with other insurers.

The policy I have currently from Scubasure does not state a depth limit,
with the exclusion being "deliberatly putting yourself at risk unless trying
to save someones life", and that "you should not dive alone" - but not
restricted to DM/Intructor etc/so as long as you dive within your experience
you are covered.

I note what you say and you maybe right but I do no wish to get into an
argument about insurance.

I have not dived without a dive guide for a while as I am not so young and
do not dive as much as I used to :-(((((

End October I am off to my liveaboard which will be more than sufficiently
guided I think.

I shall be in contact with the company to see what they say. This year I
dived in Spain (L'Estartit) there was a question in my mind as to whether I
was covered for recompression chamber treatment or not. They came up with an
immediate answer that I was.

Eddie

You pays your money and you takes your choice! :-)))))


"Clive" <clive> wrote in message
news:0548

>
> Whilst the policy is cheap it is also rather restrictive.
>
> "We cover scuba diving at no additional premium. The depth to which we
will
> cover you depends on your qualification, in all cases, diving must be
under
> the direction of an accredited dive marshall, instructor or guide and
within
> the guidelines of the relevant diving or training agency or organisation.
> For PADI qualified divers the limits of our cover are: Open Water - 18
> metres; Advanced Open Water - 30 metres; Advanced Plus - 40 metres.
>
> For BSAC qualified divers the limits of our cover are: Club Diver - 20
> metres; Sports Diver - 35 metres; Dive Leader - 50 metres"
>>
> So you are only covered when with an Instructor/DM etc. What happens if
you
> are BSAC and the DM you are with is PADI? Whose "guidelines" should you
> follow?
>
> As depths limits are specified absolutly, what happens when you are at a
> dive to 18m, and momentarly drop below this depth for a short period? (the
> 18m depth restriction on PADI OW is only recommended and not an absolute
> limit.) What happens if during a dive your buddy gets into trouble, and
you
> drop below the depth limit in order to assist them, where you then require
> assistance yourself?
>
> You then have a problem and attempt to claim - straight away your claim
will
> be thrown out. I have heard of this happening before with other insurers.
>
> The policy I have currently from Scubasure does not state a depth limit,
> with the exclusion being "deliberatly putting yourself at risk unless
trying
> to save someones life", and that "you should not dive alone" - but not
> restricted to DM/Intructor etc/so as long as you dive within your
experience
> you are covered.

"Clive" <clive> wrote in message
news:9701
> I hope I am not starting an argument - just make sure you read your policy
> beforehand so you will now what you are not insured for.

Thanks very much for that. You have opened my eyes in some respects. I shall
be enquiring a little deeper when and if I want to do some diving away from
dive marshalls.

The other side of my insurance policy is that when I reach the OAP age of
65, in three years time, my payments are going to go skywards. I was diving
with a wonderful group of mid 70 year old divers last year around Sharm and
they were relating their difficulties in getting any kind of diving
insurance. That being said it is wonderful to have both the health and the
ability to actually dive into my dotage! ;-))))))

Eddie