Diving & Life Insurance

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DivingIn many circumstances life insurance for divers doing recreational scuba diving will not have a massive impact upon the policy application, so long as you are not going diving too often or too deep. Scuba divers life insurance applications will need to detail the frequency of your dives, whether you dive to depths of more than 40m or do more hazardous pursuits such as wreck diving, pothole diving or cave diving then you may well find that your policy premiums are increased.

Each client is assessed on a case by case basis and factors such as the frequency of the dives, your experience and qualifications (PADI and BSAC) will all have a bearing on the policy acceptance terms.

If you dive as a occupation please see our occupation 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.

As with life insurance, critical illness cover for divers should not be too difficult to arrange. Divers critical illness cover applications can often see cover accepted at normal terms, so long as you are not diving too frequently or too deep for the insurers acceptance criteria. If you are a frequent diver or one who does dives such as wreck exploration, ice dives or cave exploration then you are likely to see a premium increase or exclusion on cover. Insurance companies will likely want to know your qualifications, if you ever dive solo and if you do any wreck, cave or ice dives.

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

Income protection for divers can be available at standard terms with some insurers. You will need to inform the insurer of the depths that you dive to, any diving related injuries that you have had and you should also detail any qualifications that you hold.

Depending upon your needs and budget you could apply for accident, sickness and unemployment cover as an alternative to Income Protection. This short-term income protection could be more suited to you, if long-term policies come with exclusions due to you diving activities. Accident, sickness and unemployment cover will provide you with a regular monthly payment for between 12 and 24 months should you be unable to work. Please use our free online quotation system to see the type of cover that is available to you.

In order to take part in frequent dives, it is important for scuba divers to maintain a healthy lifestyle. Divers who are fit and active may find that an insurance policy from VitalityLife suits them well. A VitalityLife protection policy can reward you for living healthier, to find out more click here.

Are you going wreck diving, open water swimming, reef exploring? Find out if you have the correct travel insurance place with a specialist broker. Click here for more details.

Fun Facts

  • Coconuts are more dangerous than sharks when it comes to fatality rates
  • Below the depth of 10 metres it is not possible to see the colours red or yellow
  • Scuba diving is safer than running a marathon
  • Scuba diving
  • Cave diving
  • Deep diving
  • Free diving
  • Ice diving
  • Open water diving
  • Pothole diving
  • Wreck diving
  • Equipment malfunction
  • Decompression sickness (the bends)
  • Barotrauma
  • Pulmonary embolism
  • Wildlife
  • Depth
  • Location
  • Group
  • Solo
  • Frequency
  • Qualifications
  • Experience

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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