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I have just renewed my insurance with DAN..the price wasn't too bad and the cover seems OK..

However, as things are so hectic I never really took the time to trawl through what policies/cover is offered by the various insurance companies....

1. Does anyone have any experiences (good or bad) when insurance was actually needed?

2. Can anyone recommend or otherwise a particular insurance policy and/or company? Obviously depends on your type of diving and other variables but general comments welcome.

Too late for me this year but might be useful for anyone looking at present.....

Best regards to all....

Graham    
 

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Phil,

Thanks for the re-assurance......I didn't look too hard as the DAN cover gave me everything I needed.

Likewise...my gear is covered by my household insurer.

Luckily I've never had to use it...

Cheers.

Graham    
 

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Paul,

Thanks for the info.....and I'm with you in hoping that a good recovery is on the horizon for this diver.

It was reading something similar many years ago that made me take out insurance for me and my wife. I had been diving for some time without insurance but I'd never dream of it now.

Something that everyone, who hasn't already got insurance, should consider.

Best regards to all.

Graham
 

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Tom,

I'm sure that diving insurance is not necessarily required but I'd definitely say it's advisable. As with the fellow described previously, he may well survive but without insurance he'll have huge medical bills and possibly not be able to work for some time.

Like you, I'm covered on life assurance but that's no good to you if you survive an incident and can't work.

I suppose the NHS would cover medical treatment but then if you can't work what do you do....I suppose that's when specific diving insurance comes in...depending on the cover/policy you have.

I'm an ex-pat so I'm not an expert on what the NHS will cover for treatment and what the government would give pay as social security if you were not able to work....maybe someone else could help with this.

Regards.

Graham
 

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Chris,

As for life insurance...you MUST declare that you are a diver on the initial application form. In my experience, the UK insurer then sent a more detailed questionnaire about the type of diving, frequency etc etc.

If I remmeber correctly the disclosures required were something like:

1. How many dives per year?

2. Maximum depths?

3. Do you ever do deco dives?

4. Do you do ever do other technical diving (eg caves, caverns).

There was more but I forget the rest.

Anyway, the upshot is, if you pop your clogs diving within the parametres you disclose then your other half gets the cheque....otherwise you're not covered.

Graham
 

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Chris,

Forgot to mention.....I have dived all over the world (well not quite) and I can say that I have never had to produce evidence of insurance...even though I've always had it (except when I first started....but I was strictly a UK diver then before moving abroad).

Cheers.

Graham
 
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