Scuba Diving Life Insurance

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.

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 –

• Critical Illness Cover
• Income Protection
• Travel Insurance

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.