Divers & Life Insurance

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DiversLife insurance for commercial divers has the potential to be accepted by insurance providers at standard terms.

To be able to find the best insurance options for you we will need to ask you some questions:

  • How much of your working week is spent diving?
  • What is the greatest depth that you will go to?
  • Do you use mixed air?
  • Do you dive solo or as part of a group?
  • Do you need to use explosive materials?
  • Is your diving within the UK or abroad?

The insurer will also want to know if you are using any kind of experimental equipment in your diving. If there are any parts of your job that the insurers view as particularly risky they might offer you life insurance at non-standard terms (premium increase).

Our advisers are here to search the market and find you the insurer that is right for you.

If you only dive as a hobby please see our scuba diving page.

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

Critical illness insurance for commercial divers may be available at standard terms, depending upon where you dive and what you do whilst diving.

However you might find that critical illness cover for divers comes with an occupational exclusion on the policy claims set. This means that should you become critically ill as a result of activities whilst diving for your job, you will be unable to place a claim on the policy.

We know this doesn’t sound ideal but remember that if you are diagnosed with one of the named conditions on the policy claims set outside of your occupational duties, then you should be able to place a successful claim on the policy.

The critical illness application will need to detail any specific areas of hazardous activities that you take part in.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Income protection for commercial divers will need to be placed with a specialist insurance provider. The specialist insurer will be able to tailor an income protection policy to your individual circumstances.

It is highly likely that your monthly  premium for income protection will be more than someone who works in a less hazardous occupation.

Get an Income Protection Quote

As an alternative you may wish to consider accident, sickness and unemployment Cover. This type of policy will provide 12-24 months income replacement if you are unable to work due to disability, long-term injury or involuntary redundancy.
You should fully check the policy documentation to ensure that you are eligible for this policy based upon where you are based geographically and how long you are out of the UK.

We work alongside a specialist travel broker that can find the right policy for you. To find out more, please visit our travel page here.


Divers are present in a range of different occupations and occupational duties and risks can vary greatly depending upon the career path taken. A diver will use specialist breathing equipment so that they are able to spend a great deal of time underwater to complete their occupational duties.

  • Scuba divers
  • Police diver
  • Scientific diver
  • Civil engineering diver
  • Hazmat diver
  • Nuclear diver
  • Bell divers
  • Communications diver
  • Offshore diver
  • Equipment malfunction
  • Decompression sickness (the Bends)
  • Barotrauma
  • Pulmonary embolism
  • Wildlife
  • Maintenance of equipment
  • Ship husbandry
  • Search and rescue
  • Tourism

By clicking on the link(s) above you will be departing from the regulatory site of Cura Financial Services. Cura Financial Services is not responsible for the accuracy of the information contained within the linked site(s).

Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 724 reviews.

Review by Damian on 12th November 2020

Fantastic Service. This is a well deserved rating the service and support I received was outstanding. They kept me informed at every stage of the application. I can't recommend Cura highly enough. - 5 

You can read more of our reviews here.


Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here


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