Updated: October 15, 2019

Scuba Diving Life Insurance

Scuba diving professionally or recreationally can make it harder to get a good life insurance policy. Read through this article to find out how landing the best deal is still possible

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Pete Mugleston

Author: Pete Mugleston - Mortgage Expert

Updated: October 15, 2019

Many consider scuba diving to be one of the most rewarding sports you can get involved in, but it’s not without its risks.

We’ll try to answer all your questions about scuba diving life insurance here, but if there is something specific you want to know, you can arrange a free, no obligation chat with one of the expert life insurance advisors we work with.

Can you get scuba diving insurance?

You can usually get life insurance for scuba diving at standard rates, so long as the activity you’re taking part in isn’t too dangerous or extreme.

However, it’s vitally important to tell your life insurance provider that you take part in scuba diving as a hobby, otherwise you may find you’re not covered should the worst happen.

This applies to all hazardous sports so, when in doubt, consult your provider or have a chat with one of the advisors we work with.

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How much does it cost?

Some of the factors that may be taken into account for life insurance would be the number of dives you do each year, and whether you dive to depths of more than 40 metres.

Some of the main factors that may affect your premium include:

  • Whether you have recognised diving qualifications.
  • How deep your dives are.
  • The type of diving you take part in such as:
    • Recreational/holiday diving
    • Wreck diving
    • Deep sea diving
    • Free diving
    • Pothole diving
    • Diving instructor
    • Cave diving

If you undertake more hazardous activities such as wreck diving, mixed gas diving or cave diving then you may be hit with restrictions and exclusions on your policy, or more likely, a hefty premium loading.

Life insurance premiums for divers may vary from one insurance provider to the next.

The good news is that the life insurance advisors we work with are whole-of-market, which means they have access to almost all insurance providers rather than just a select few. They will search the market and find out which life insurance provider will offer you the best cover, with the lowest premiums.

Call 0808 189 0463 or make an enquiry for a free, no-obligation chat.

Can you get life insurance for cave diving?

Cave diving is a highly skilled and potentially very dangerous activity, so getting life insurance can be a challenge.

There are only a few specialist providers who can offer this type of cover, fortunately, the life insurance advisors we work with know who they are and can help you find the best deal available.

Does scuba diving affect other kinds of insurance?

Almost any kind of perceived dangerous or hazardous sports such as scuba diving  could have an affect on other policies. But it’s still a good idea to take out life insurance to protect your family should the worst happen.

Other policies that could be affected include –

Remember, the specialist insurance advisors we work with can offer the right advice, whatever kind of insurance you’re looking for, and they’re sure to find the best insurance, at the most competitive price because they have access to insurance providers across the whole UK.

Where can I get the best advice?

If you’ve recently been declined life insurance for scuba diving, or the premiums you’ve been quoted seem too high, then you should speak to one of the insurance experts we work with.

They’re here to help people with perceived hazardous hobbies, such as diving, to find life insurance to protect their family, home or business.

You can make a quick online enquiry, or call us on 0808 189 0463 for a free, no-obligation chat and we’ll match you with the right experienced advisor.

Ask a quick question

We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in higher-risk life insurance. Ask us a question and we'll get the best expert to help.

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Pete Mugleston

Pete Mugleston

Mortgage Expert

About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

FCA Disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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