life insurance
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<font color='#0000FF'>When I bought mine the Abbey National also made me disclose I was a diver they just wanted to know depth and number of dives per year. I just informed them of the BSAC depth recommendation and that was that.
When I travel I tend to use Buddyindepth.co.uk from the Holman group and I have found their policy for travel insurance very good.
You could start with them. Holman have a good website although not really sure if it's the same company.
Good Luck with the house.
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Fiona
<font color='#0000FF'>When I bought mine the Abbey National also made me disclose I was a diver they just wanted to know depth and number of dives per year. I just informed them of the BSAC depth recommendation and that was that.
When I travel I tend to use Buddyindepth.co.uk from the Holman group and I have found their policy for travel insurance very good.
You could start with them. Holman have a good website although not really sure if it's the same company.
Good Luck with the house.
Fiona
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492 Posts
Imported post
Ring a co. called Grove and Dean.When my ex-wife added me to her insurance with the Halifax (who she had the mortgage with )they upped the premium to over £80 a month on account of me being a commercial diver.
I got lots of quotes listed from Grove and Dean(I was with a subsidiary of theirs Performance Direct for the car insurance)and settled on a Scottish Widows policy at about 16 quid with 100K payout if I bought it etc.
Worth a call,many of the insurance cos.are terrible or have completely the wrong type of "specialist"information.
HTH,Hobby.
Ring a co. called Grove and Dean.When my ex-wife added me to her insurance with the Halifax (who she had the mortgage with )they upped the premium to over £80 a month on account of me being a commercial diver.
I got lots of quotes listed from Grove and Dean(I was with a subsidiary of theirs Performance Direct for the car insurance)and settled on a Scottish Widows policy at about 16 quid with 100K payout if I bought it etc.
Worth a call,many of the insurance cos.are terrible or have completely the wrong type of "specialist"information.
HTH,Hobby.
Imported post
<font color='#0000FF'>Ironically I was just thinking about this last night - I wasn't a diver when I took out my endowment policy (
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b*******!) about 15 years ago and have not checked with the Ins co. about it since I took up diving. Anyone got any experience of Legal and General's approach to diving?
BTW, got a speculative call last night from a CC company trying to flog me life insurance as well, so I asked if it covered scuba diving, I was told it did, but not if I died as a direct result of diving...
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So what does the word "cover" mean to your insurance company eh?
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Chee-az
Steve
<font color='#0000FF'>Ironically I was just thinking about this last night - I wasn't a diver when I took out my endowment policy (
BTW, got a speculative call last night from a CC company trying to flog me life insurance as well, so I asked if it covered scuba diving, I was told it did, but not if I died as a direct result of diving...
Chee-az
Steve
Imported post
Well....I've just been through the same...for life cover income protection etc.
I'm an ex pat living in Luxembourg but a lot of my cover, pension etc is all offshore (offshore for me) but my life cover is with Friends Provident and they asked a few extra questions when i told them that I dived...how many each year and "do you ever have deco stops?"...no questions about depth...but the deco one is an interesting question if others have had depth questions.
They have a silly question at the end ...it goes something like this.."Is your diving for pleasure, cave diving, deep diving etc.."
Well seeing as I do that and enjoy it...I just put for pleasure.
Anyway...that was my experience...they didn't want anymore cash...but if you pop your clogs and they feel you've told porkies...well it's up to you...remember you take out policies for your wife and kids...so no point in being nothing but truthful.
G
Anyway
Well....I've just been through the same...for life cover income protection etc.
I'm an ex pat living in Luxembourg but a lot of my cover, pension etc is all offshore (offshore for me) but my life cover is with Friends Provident and they asked a few extra questions when i told them that I dived...how many each year and "do you ever have deco stops?"...no questions about depth...but the deco one is an interesting question if others have had depth questions.
They have a silly question at the end ...it goes something like this.."Is your diving for pleasure, cave diving, deep diving etc.."
Well seeing as I do that and enjoy it...I just put for pleasure.
Anyway...that was my experience...they didn't want anymore cash...but if you pop your clogs and they feel you've told porkies...well it's up to you...remember you take out policies for your wife and kids...so no point in being nothing but truthful.
G
Anyway
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<font color='#728FCE'>
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Very interesting this thread... as an independent mortgage/ insurance broker I know that many companies twitch when the word diving is mentioned and many up the premium. I took my own policy out in August last year after having done PADIOW in June. It was accepted it at normal rates.
If any of you experience problems let me know.
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<font color='#728FCE'>
Very interesting this thread... as an independent mortgage/ insurance broker I know that many companies twitch when the word diving is mentioned and many up the premium. I took my own policy out in August last year after having done PADIOW in June. It was accepted it at normal rates.
If any of you experience problems let me know.
Imported post
<font color='#0000FF'>My independent guy just quoted me and the better half £32 pm for £125k cover for the both of us. That is based on us being professional instructors, working abroad diving daily with a 40m limit, through Norwich Union I think though been so busy I havn't signed it yet !
Paul
<font color='#0000FF'>My independent guy just quoted me and the better half £32 pm for £125k cover for the both of us. That is based on us being professional instructors, working abroad diving daily with a 40m limit, through Norwich Union I think though been so busy I havn't signed it yet !
Paul
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This has nothing to do with this thread but,
Those of you with mobile phone insurance, take a look at it, Lizzy (my partner) had her bone nicked, it turns out, the only time the insurance will pay out is if the phone is taken from a locked car when you are in it.
Sorry to post an irrelevance but it just made me laugh.
Andrew
This has nothing to do with this thread but,
Those of you with mobile phone insurance, take a look at it, Lizzy (my partner) had her bone nicked, it turns out, the only time the insurance will pay out is if the phone is taken from a locked car when you are in it.
Sorry to post an irrelevance but it just made me laugh.
Andrew
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12,959 Posts
Imported post
This also has nothing to do with this thread, but whilst on the subject of insurance.
l had a burglary about five years ago and most of my wifes jewlery was stolen, the larger items were valued and we valued the smaller items as acurately as we could, l stressed to wifee not to exagerate the claim, because being the first time we had made a claim after having home insurance for over 20yrs, l foolishly though insurance assesers or should l say arse-sesers, would treat us fairly, how inocent l was.
The value of the loss was approx 8k (wifee & l were left a lot of jewlery by my parents and both our grand parents, and my aunt, who l found out after her death was the mistress of a v.weathy guy in Kent, no not Mark Chase) we were offered 6k
the reasoning being that the insurance co. could get replicas made in bulk and therefore get a discount.
l know its getting boring but stay with it.
l argued that to find similar antique jewlery would take years of searching and couil;d not possible be bought in one go and get a discount, they would not budge and we agreed a final figure.
Lesson 1 - Insurance companies are trying to settle for as little as possible and will offer you less than your claim.
Lesson 2- Because of above and ONLY because of above- inflate your claim by 30-50%
Lesson 3 - If like me you trusted your insurance company and, in your opinion that have diddled you, get your own back.
l am a building contractor and l never used to get involved with insurabnce claims, now l do, l and my clients have more than made up for the 2k reduction the Insurance co gave me.
If anyone is reading this that works in the insurance business, take note, l made a genuine claim after 20yrs without claims and was treated v badly and l now have a personal vendeter against ins.cos.
Finished now, after having a few dram of Scotch l tend to ramble on, you can all have a *** now, except Bren whos given up.
Anyhow on a lighter note l'm going paintballing tomorrow, hope the enemy consists of insurance co workers.
Howard
ICH - Insurance Company hater
This also has nothing to do with this thread, but whilst on the subject of insurance.
l had a burglary about five years ago and most of my wifes jewlery was stolen, the larger items were valued and we valued the smaller items as acurately as we could, l stressed to wifee not to exagerate the claim, because being the first time we had made a claim after having home insurance for over 20yrs, l foolishly though insurance assesers or should l say arse-sesers, would treat us fairly, how inocent l was.
The value of the loss was approx 8k (wifee & l were left a lot of jewlery by my parents and both our grand parents, and my aunt, who l found out after her death was the mistress of a v.weathy guy in Kent, no not Mark Chase) we were offered 6k
the reasoning being that the insurance co. could get replicas made in bulk and therefore get a discount.
l know its getting boring but stay with it.
l argued that to find similar antique jewlery would take years of searching and couil;d not possible be bought in one go and get a discount, they would not budge and we agreed a final figure.
Lesson 1 - Insurance companies are trying to settle for as little as possible and will offer you less than your claim.
Lesson 2- Because of above and ONLY because of above- inflate your claim by 30-50%
Lesson 3 - If like me you trusted your insurance company and, in your opinion that have diddled you, get your own back.
l am a building contractor and l never used to get involved with insurabnce claims, now l do, l and my clients have more than made up for the 2k reduction the Insurance co gave me.
If anyone is reading this that works in the insurance business, take note, l made a genuine claim after 20yrs without claims and was treated v badly and l now have a personal vendeter against ins.cos.
Finished now, after having a few dram of Scotch l tend to ramble on, you can all have a *** now, except Bren whos given up.
Anyhow on a lighter note l'm going paintballing tomorrow, hope the enemy consists of insurance co workers.
Howard
ICH - Insurance Company hater
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Imported post
I thought everybody knew that insurance companies rip you off for a pastime. Look at car insurers, they've made it an art form, paying out less than it's worth is part of the job. They must be on a percentage of the money they save by ripping you off. Any excuse to not pay out.
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I thought everybody knew that insurance companies rip you off for a pastime. Look at car insurers, they've made it an art form, paying out less than it's worth is part of the job. They must be on a percentage of the money they save by ripping you off. Any excuse to not pay out.
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1,140 Posts
Just wanted to reinstate this thread. I remembered it when we were having a meeting with a mortgage bloke on tuesday night and kept meaning to dig it out!
Has anyone had any recent good/bad experiences with declaring to a mortgage lender that you are a diver? Lou and I are in the process of buying our first house. We are getting an approval in principal first and want to have an idea of how much insurance is going to cost us once everything goes through (assuming we find a house!)
Jay, I hope you don't mind me taking you up on your offer of a PM to look at some quotes (I know it was made in 2003 so you can ignore me if necessary!!) - you have PM, or will once I write it!!
Paul
Edit, this has come out in the tek-talk forum so Bren, or someone, feel free to move it as required!!
Has anyone had any recent good/bad experiences with declaring to a mortgage lender that you are a diver? Lou and I are in the process of buying our first house. We are getting an approval in principal first and want to have an idea of how much insurance is going to cost us once everything goes through (assuming we find a house!)
Jay, I hope you don't mind me taking you up on your offer of a PM to look at some quotes (I know it was made in 2003 so you can ignore me if necessary!!) - you have PM, or will once I write it!!
Paul
Edit, this has come out in the tek-talk forum so Bren, or someone, feel free to move it as required!!
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7,142 Posts
Not quite the same thing but I couldn't get my mortgage company to cover all my hobbies so I has a separate policy for 'Competitive Motor sport etc.' that cost me nearly 1K PA through the ACU. I asked them how much extra for Scuba and they said no extra. Apparently any time I was diving I was not racing a motorcycle so their risk was less.Paul Beal said:
These days I don't race a bike any more but then I don't have a mortgage either.
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