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Scuba Insurance

Discussion in 'General Scuba Diving' started by Leeb2018, May 19, 2018.

  1. Leeb2018

    Leeb2018 Active Member

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    Hi guys.

    I was just wondering what insurance everyone uses?

    I looking at going away with my instrutor to finish off advance nitrox and decopression procedures. Followed by some wreck diving while still on holiday.

    Most companies cover up to 40m. But I will be qulified to 45m. The wrecks we will be diving are around 30-40m.

    I know someone who ended up with decompression sickness on holiday and had trouble with the insurance paying out.

    Cheers
    Lee
     
  2. jb2cool

    jb2cool Moderator
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    I’m assuming you are going abroad. DAN Europe Sport Silver should tick all your boxes
     
  3. JohnL

    JohnL Well-Known Member

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    I use DAN for worldwide cover, again Silver level - particularly important if you go to US or Caribbean. Never had to use them, fortunately. When I had been guided 10m deeper than my qualification and came up worried, I asked them whether they would have covered an incident in these circumstances. The reply was, that as long as I was using a reputable dive centre and following their guidance, they would cover me. For an insurance company, this was a slightly surprising and very comforting response.
     
  4. Harvey-NG

    Harvey-NG Member

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    Last time I dived abroad, the insurance company were willing to change the policy to 'diving within your training limitations', and apparently most will do this if you ask (so I hear).This is useful when using a company that don't specialise in diving insurance but more general holiday and sports cover. I ran into the problem of only being covered to 20m or something (but nothing about what I'm up to at that depth) but a quick phone call sorted it out and the wording on the contract was changed. Obviously if you're insured to dive within your training limitations and you choose to exceed those limits without an instructor in a safe environment, then you're a knobhead.
     
  5. Leeb2018

    Leeb2018 Active Member

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    Cheers guys.

    I not looking to go on holiday and be stupid with my diving.

    I just want to make sure that in a worst case situation that I got the cover needed. I am doing the advanced nitrox and decompression procedures to give me some more bottom time. But as this is going out side of recreational limits I want to be covered. The only time I will be going deeper is once I have a rebreather and the training required. So that will not be any time soon.

    So is DAN the main one or do people have other opinions?
     
  6. Harvey-NG

    Harvey-NG Member

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    Sorry I meant knobhead more generally, the few that push their limits with superman mentality because it doesn't seem to have struct them that humans can't actually breathe underwater.
     
  7. jb2cool

    jb2cool Moderator
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    The reason I asked about abroad is because if you are diving in the UK you don’t need it, our brilliant NHS picks up the tab for this (currently).

    There are other companies out there, I think Westfield and Divemaster are other popular ones.
     
  8. Leeb2018

    Leeb2018 Active Member

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    haha I never push my limits and only go deep to around 40m if there something worth seeing.

    Divemaster was the one who my mate after getiting decompression sickness struggled to get them to pay out.
     
  9. JasonP

    JasonP Active Member

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    DAN covwr doesn't have depth limits, just ppO2 and ppN2 limits on mixed gases.

    Not had to use them, hope it stays like that, but the thing about DAN is that any chamber in the world that you might end up at will have dealt with them many times in the past.

    Sent from my LG-H990 using Tapatalk
     
  10. Tel

    Tel Super Moderator
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    Are you a diver or a student?

    As a diver pretty much any of the usual holiday insurance will cover, but that doesn't mean they'll cover
    courses as that tends to be the domain of the Instructor to sort.

    I'd be less worried about any diving and more worried about if it covered when being taught.
     
  11. Leeb2018

    Leeb2018 Active Member

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    I will be both. I will be finishing off advance nitrox and decompression procedures. Followed by wreck diving for a few days in Croatia.

    I will speak to my instructor this week about being covered for course.

    I will still need cover for the few days fun diving.
     
  12. Vanny

    Vanny Active Member

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    Croatia is nice
     
  13. John F

    John F Member

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    Hi Lee,
    How have you found the TDI courses, I am intending to do them myself. Who was your instructor?
    John.
     
  14. Tel

    Tel Super Moderator
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    I'd use Westfield as general holiday insurance which includes diving and then as you say check with the Instructor
    to see how his insurance would kick in.

    http://www.divinginsuranceuk.com/travel-insurance.html
     
  15. Leeb2018

    Leeb2018 Active Member

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    My instructor keeps telling me croatia is nice and brilliant vis.

    Hi john
    I find the TDI courses good and I find the instructor very good. My instructor is Tony Higgs. He a keen rebreather dive as well. So this is the last open circuit course I will be doing. Then I will be moving on to the TDI rebreather course. For what I have seen from researching different courses is that they are pretty much all the same. It more about having a good instructor. So far I have had one pool session and read the two manuals. We back in pool thursday to go over skills once more. Then we going to hopefully get the knowledge reviews and exams done saturday. Followed by a shallow open water dive sunday. Then possibly off to croatia the week after to finish the course and go wreck diving.
     
  16. Leeb2018

    Leeb2018 Active Member

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    Cheers Tel I will check them out
     
  17. John F

    John F Member

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    Sounds great, have a good time.
    John.
     
  18. Leeb2018

    Leeb2018 Active Member

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    Cheers John. We have to sort out a stoney cove dive soon
     
  19. John F

    John F Member

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    Yes that would be good. I am in Cornwall for the first two weeks of June and the out to Spa for a three hour race with the Mustang, so won’t be before July.
    Will chat nearer the time. Good luck with the training.
    John.
     
  20. Wibble

    Wibble Fish don't talk
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    I use DAN on the recommendation of many. They have a good reputation of sorting things out, although I've never had to call on them. I've the Silver cover which seems to suit my needs when abroad.

    @John F - it's not really the courses you choose but the instructor. You may have a long-term relationship with them over many courses. You need to get on with their teaching style and know they can take you as far as you may go.

    In my case I chose a TDI instructor and am extremely happy with his style, quality and results. He also wrote some of the courses.
     

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