Scuba Diving Life Insurance Questions Answered For 2024

Elaine Brookes Steve Case

Author: Steve Case - Insurance Expert

Reviewed & Fact Checked By: Elaine Brookes

Updated: 8th December 2023

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Are you worried that your family will suffer if you have an accident or even die while scuba diving?

Insurance Hero has helped many divers include their diving activities as part of their life insurance cover. Read on to find out more.

How does Life Insurance Work?

Life insurance cover provides a payout amount should the policyholder die. The cover amount sets out at the start of the policy. The lump-sum funding comes from paying regular monthly premiums for the cover duration.

The extent of your scuba diving activities will affect the cost of life insurance. If you dive recreationally or on holiday, your policy premium will likely be a standard rate quote. Conversely, a professional deep-sea diver or wreck diving to depths of 40 metres will see some front-loading of premiums.

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How to Pick A Life Insurance Company

Mainstream insurers are more likely to demand high premiums or even exclude your diving activities from standard life insurance cover. Instead, employ the services of a specialist insurer like Insurance Hero.

Insurance Hero works with underwriters who quote exclusively for higher-risk pursuits and professions. We aim for your scuba diving activities to be included in your policy with fair premiums, even when considering any front loading.

We want to avoid excluding your diving activities from life insurance coverage.

The Secret to Getting the Best Life Insurance Policy

Insurance Hero needs to understand the full extent of your diving activities, done through a detailed fact-finding questionnaire which we will verbally discuss.

We want you to have a water-tight life insurance policy. We will ensure that your plan closely matches your scuba diving activities for underwriters to provide an aligned premium to the cover amount.

Insurance underwriters will tend to review non-disclosure claims as either negligent or innocent. We want to ensure that your application is not careless. We do not want an insurer to refuse to pay out because the amount of cover for your scuba activities does not correspond to the premium paid.

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Our questionnaire will include some of the following questions about your scuba diving activities:

  • Frequency of dives
  • Diving apparatus employed
  • PADI or BSAC instructions held
  • Years of experience
  • Diving alone or as part of a group

Type of Scuba Diving Undertaken:

  • Pothole diving
  • Wreck diving
  • Recreational diving
  • Cave diving
  • Deep-sea diving

Once completed, the questionnaire goes to a specialist underwriter who will provide a quote for cover.

Contact us today on 0203 129 8866. Insurance Hero has a dedicated team of brokers who work in a professional yet unobtrusive manner to understand the nature of your scuba diving activities to formulate an accurate quote.

Critical Illness Cover

As an associated life cover, Critical Illness provides financial protection if you have a qualifying disease or medical procedure. The list of qualifying illnesses is at the onset of the policy. Many are standard, but some may be common as scuba diving can load into the plan.

An example of standard illnesses and procedures includes some of the following:

  • Heart valve replacement or repair
  • Multiple system atrophy
  • Loss of hand or foot
  • Motor neurone disease
  • Pulmonary artery surgery
  • Parkinson’s disease
  • Traumatic brain injury
  • Structural heart surgery
  • Benign spinal cord tumour
  • Kidney failure
  • Liver failure
  • Intensive Care

A Critical Illness policy provides financial peace of mind for you and your loved ones should you be unable to work anymore. In return for paying regular monthly premiums over the fixed term of a policy, a cover amount pays out should you survive at least ten days after diagnosis.

Within a critical illness policy, it is possible to select from three types of payout level cover. These are increasing, decreasing and level cover.

Increasing cover

As the consumer price index (CPI) goes up, the defined payment amount of the policy keeps up with the pace of inflation.

Decreasing cover

Throughout the decreasing plan, cover gradually reduces, matching your financial commitments, perhaps in line with the reduction of a mortgage or a pension payout upon retirement.

Level cover

The payout amount remains the same for the duration of the policy

For more information, including a fast and free quote for critical illness, please contact Insurance Hero on 0203 129 8866. Our professional team of brokers will assist in getting that peace of mind that can only be provided by a water-tight policy.

Income Protection Cover

One of the three main types of life cover products, income protection, provides you with a salary should you have a long layoff from work. A layoff may result from an accident or illness from your scuba diving activities. Once a claim has been put in, typically, a replacement salary can be forthcoming in as little as one month.

As with other life covers, regular premiums fund the replacement salary throughout a policy.

Having peace of mind that your dependents are financially secure as you undertake your diving pursuits is essential.

Income protection is critical if you are the primary breadwinner and have financial commitments including but not limited to the following:

  • Personal loans
  • Equity release
  • Mortgage
  • Credit card debt
  • Hire purchase agreements

For more information on income protection cover, feel free to contact the Insurance Hero team on 0203 129 8866