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Have just recovered from filling in my 'Diving Questionnaire' sent me by an anxious life insurance company...highlights were

How deep do you dive? :confined:
(Do they mean planned, actual...or in the pub after a few pints?) :biggrin:

Are you a member of a professional diving association such as BSAC? :hmmm:
(no, honestly!)

And my favourite:

Do you use explosives? :bomb:

I'll let you know if I get the insurance!!
 

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Be careful - underwriters have NO idea about diving. I applied last year for income protection from Friends Provident. Usual questionnaire - declared that I dive below 30m (typically no more than 35m) - fuckers rated me and won't insure me for diving related accidents. Had a major blow out with the chief underwriter on the phone - he know absolutely NOTHING about diving but wouldn't budge.
 

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Just not enough dive time.
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Underwriters have no idea FULL STOP. I worked away for a while a few years ago so told the Co. the house would be empty. So they excluded burglary but put up the premium cos I was more likely to be burgled. But thats not covered, said I, basically that doesnt matter we are still going to charge more for less cover say the Insurance man. Went elsewhere.
I did also tell ALL my life insurers when I took up diving and got them to confirm (in writing!) that it would not affect the policy or premiums, they all responded OK, so maybe you were a bit unluck, none of them stipulated a depth, just so long as I stay within quals (except in an emergency/accident).
Matt
 

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Here in Sweden you're covered with all companies for diving to max 40m with air. Hate to think what would happen if my insurers found out I'm divng with nitrox half the time. They probably think it's awfully risky, as does the so-called diving medicine specialist who giives me a check-up once a year.
 

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Goddam insurance companies.I've found that most health care policies(in addition to Life cover) will not cover me if I come of my bike,injuries resulting from motorcycle accidents are not covered.Anyway,when I was married(they would'nt insure me against that!)my wife decided that life insurance was in order,the mortgage was with the Halifax and we approached them,they raised an eyebrow when my occupation was stated as "Commercial Diver".They "had to send the forms away",after much arsing about and questions such as "what do you do exactly?",they came back with the not very reasonable quote of 80 odd quid a month.They looked really put out when we told them to put it where Granny had the pain.
Long and short was I approached my vehicle insurers who are part of a large consortium,I was fortunate to get through to the manager of the section I needed.I told him the problem,he understood and a week later we received a printout of over 10 quotes from various cos.they had found ranging from £9 a month,we picked a Scottish Widows policy at about £12.This covered me as a diver working in varying conditions with up to some extortionate amount if I were to get it wrong one day.
It was a good result as thry asked me relevant,fair questions,somebody somewhere obviously knew enough to make an informed judgement,This to was not from one of the specialist companies that advertise in the likes of Underwater Contractor either,but from a high street broker.The name of the co.was Grove and Dean,I may even have some details somewhere if anybody wants them.Point is that it does pay to shop around and to be able to deal with someone on a personal basis.
 

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Just not enough dive time.
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Hobby
is the motorcycle just 'normal' e.g. social and pleasure etc., rather than racing. I havent found any difficulty or special clauses in any of my policies because I ride a bike and I do every day into London, gotta keep that adrenalin flowing somwhow when I'm not diving.
Matt
 

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No Matt,unfortunately it was for normal road use( I reckon they'd have named Odin's Pig if I'd said I was going racing!).That particular policy was with the TSB but when I started asking my mates about it they'd experienced much the same thing.Apparently it's quite common and well worth a phone call to your insurers (be it,health,life etc.)to confirm you're covered in this respect.Here's hoping,Hobby.
 

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Just not enough dive time.
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I did check it out a while ago, perhaps I should re-visit that possibility. Crickey the missus will go bonkers if I'm not covered. More bloody expense, will it never end. ;-)
Keep smiling and taking the pills.
Matt
 

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As an independent mortgage/insurance broker I can sympathise with those of you who have had problems. As I was going to do the PADI OW course in June in Turkey I looked around at short notice for travel insurance that included Scuba Diving (an annual policy not single trip) and I had to pay a £30 excess. With regard to life insurance I recently took out a policy with Liverpool Victoria - I declared regular recreational diving up to 18metres within limit of qualification - no problems, no questionnaire etc......
Put as much info on app form as possible.
Cheers
John
 
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