Life insurance for divers?

[Richard Greenwood]

Originally Posted by Jules

I am still looking for reasonably priced cover for normal sport diving if you have any companies to recommend.

jules

I would normally have recommended Standard Life for life insurance, as they had a reasonable attitude towards divers. Unfortunately they have recently pulled out of the protection market, and no longer offer any new life insurance contracts.

Richard

[Horndog]

I used Legal and general, I was given a eneral quote (not including diving) by the mortgage advisor as a rough guide.
I then shoped round Legal and general gave me a price over the phone then sent the questionaire, It asked reasonable questions ie,

will you be diving in over head enviroments?
how many dives a year do you do?
how deep do you intend to dive?
Will you be doing Deco Diving?

Premium didnt change from the initial quote, although I am doing nothing other than basic Recreational diving

Marc

[Venus]

Hey Jules

Did you tell them that you flew half way around the world - taking six flights to get there - to dive on an active volcano - surounded by hundreds of scallop hammerheads - with a buddy who made you wait in the middle of circling silkys - until you ran out of air

What do you expect your premiums to do

Venus xx

[Eoin]

When we bought our house 5 years ago, I was quizzed about my diving and they dumped a huge monthly bill on us - how does €155 per month sound?
Earlier this year I was going over my finances again and spent 3 days phoning and e-mailing and posting off forms and photocopies to the same company and have got it down to €39 per month! I told them the truth, even saying that I've been to 64m and intend to go there again, this time on CCR! The clincher was when I said that I have DAN Professional Insurance that covers me for all diving related accidents includiung death.

[Lou]

Funnily enough, we had the same this year when we had a hiatus between owning homes, and stopped the mortgage life cover. The quotes we got throught he broker when we went to get a new mortgage were loaded crazily once we said we dived. ended up going with Directline who gave a virtually unloaded quote and didn't even want to see the diving questionairre back that they sent us after a small bit of faffing (they said they needed it, then they didn't, then they did...finally they phoned back and confirmed they didn't). That was for stated worldwide diving, including UK at 70-80 dives a year down to 45-50m.

[Lou]

Originally Posted by Big Kahuna

We are with scottish widows for life insurance and accident, sickness and unemployment insurance.

I rang them in Nov to let them know the type of diving I now do had changed form Holiday diving a few times a year to diving 2-3 times a month in UK waters up to 40m on nitrox.

They did not load the premium at all and said they do not really consider it when assessing premiums. I even have the confirmation letter from them.

May be worth shopping around.

That's the "change to a current policy" catch though. You can pretty do what you want on a current policy without premiums cahnging. try getting a new one and they will catch you though!

[rustferret]

I gave up ages ago, I used to fly and go pot holing and that was bad enough. Now dont do flying or potholing but my diving seems to exclude me full stop


Well lets face it divers are a mad bread of suicide jokies ...............or thats what the insurance companies would have us believe.

Rustferret