| I got my card through about a week after joining but you are covered from when they have taken the money.
Cover is pretty comprehensive, my wife was a bit concerned as I was doing a cave diving course and when i looked for insurance Dan where the only ones that looked like they would provide proper cover. Note - if you die and you body is not recovered ie lost at sea or in a cave then the life insurance wil not pay out but that probably goes for most other insurance policies too.
safe diving
Gareth |