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Discussion Starter · #1 ·
In August I'm going with my wife to the Red Sea and I believed my Direct line travel insurance covered my wife and I to 30M but as we may want to go a little deeper I phoned to see if I paid an extra premium I could get the depth limit increased, I was staggered when they said no scuba diving was covered at all let me quote the part of the policy:

Excluded activities
  • Any manual work or professional entertaining.
  • ...........
  • ...........
  • Taking part in any of the activities listed opposite:
next page:
American football (in an organised team)
Base-jumping
.
.
.
Snowboarding
Snow-carting
Snowcat-skiing
Scuba-diving
, any form of underwater
swimming or sub-aqua activity below a depth
of 30 metres, or any underwater swimming
or sub-aqua activity using any underwater
breathing apperatus other than a snorkel,
unless you are a qualified diver (in which case
you must not be diving unaccompanied) or
you are accompanied by a qualified instructor
Wrestling
no one I work this has read it other than a pair of qualified divers would be covered to 30M.

Fortunately I was not making a claim and I am writing to them to complain and if they don't respond positively I'll complain to The Financial Ombudsman Service I will let you know how I get on but thought I'd post a warning in case anyone was about to go away thinking they were covered buy Direct Line, which I would have done.

All the best,
Martyn
 

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Just not enough dive time.
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9,135 Posts
Like you I read that as a qualified diver would be covered (as long as it wasnt a solo dive) or if under instruction. Are you sure the person you spoke to actually knew what they were talking about? I'd get confirmation in writing that you will be covered, something simple like

"will I be covered if I dive as a buddy pair to a depth no more than 30m, or if I/we dive under instruction to a greater depth, please answer yes or no."

Matt
added - generally it is regarded tha scuba diving to 30m is a low risk activity, so doesnt come under the extreme sports banner, which obviously skiing etc do. ;)
 

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The King Of The Divan
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1,848 Posts
if I were you, I'd ring them back and ask another person to clarify that. From what the policy says you are covered...

You might just have been dealing with a thick call centre monkey* who did not know what they were talking about or couldnt read a script


Simon

* apologies to any monkeys if they feel offended.
 

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12,795 Posts
That looks like pretty standard travel insurance. Which is why specialist diving/skiing/parachuting (I sense a theme here) etc. insurance exists.
 

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Discussion Starter · #8 ·
I have not got a problem with canceling this insurance and moving to a different one, I have used specialist dive insurance on previous years. My main problem is that I think any reasonable person reading this would think they were covered and certainly their representative I spoke to this morning, her supervisor and the underwriters representative claim it does not provide that cover.

In my case it's is a bit of inconvenience but not a huge deal but if I'd been claiming it could have been a very big deal. I strongly suspect that if it went to court they would be on dodgey ground but I'm not a lawyer. I just thought it was worth warning people that cover they may reasonable think they have may be suspect.

All the best,
Martyn
 

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Small, yet perfectly formed...
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3,299 Posts
To be honest I wouldn't trust any general purpose travel insurance to cover scuba properly. I use Westfield, annual policy, covers the whole family for diving and winter sports.
 

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I provide much-needed sarcasm.
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Which is why for the last few years I have used snowcard/activcard, they cover me to the level of my qualification which is 100 metres on OC or CC.

www.snowcard.co.uk
Interesting. They also cover cave diving. Shame their maximum trip duration is 31 days on the annual though.

Jason
 

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Doesn't sound much fun to me :)

Think I've got a 33 day tripette booked.

Jason
Only 33 days, my goodness no sooner are you there, than it's time to come home again, hardly worth going really. :)

(Speaking as someone who hasn't been abroad since sometime in 2005, and not likely to go this year either. )
 

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Only 33 days, my goodness no sooner are you there, than it's time to come home again, hardly worth going really. :)

(Speaking as someone who hasn't been abroad since sometime in 2005, and not likely to go this year either. )
But you live abroad....

Danny
 

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The King Of The Divan
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1,848 Posts
I have not got a problem with canceling this insurance and moving to a different one, I have used specialist dive insurance on previous years. My main problem is that I think any reasonable person reading this would think they were covered and certainly their representative I spoke to this morning, her supervisor and the underwriters representative claim it does not provide that cover.

All the best,
Martyn

Whilst I use specialist insurance, I would be interested to understand how they thought that given the wording you have, cover was not forthcoming. :confused: - weasel words, methinks.

Simon
 

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Nice one Danny, but until I can dig a moat along Offas **** then we are still attached. :)

(and given the recent thread about GLB divers, I should point out that Offas **** is not a member of that group. )

Steve
[Pedant mode]
Ah, but you said abroad not overseas... (or even over *****.....)
[/Pedant mode]

Danny
 
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