Wednesday, May 1, 2013

Information on Diving Insurance and How to Obtain Cover

English: A diver wearing an Ocean Reef full fa...
English: A diver wearing an Ocean Reef full face mask Deutsch: Ein Taucher, der eine Vollgesichts-Tauchmaske trägt (Photo credit: Wikipedia)
Reliable diving insurance is a must for the professional and beginner. Diving won't be covered by most general insurances so it is well worth checking your policies and if you are not covered, a good starting point would be to use your internet browser and search for "scuba diving insurance UK".

Finding the right cover

There are many scuba diving insurance UK companies who have built their reputations directly through the diving community. These are worth checking out as they are more likely to be reliable if their integrity is at stake. They probably have a brand that is well respected throughout the diving community and will do their best to protect that hard built reputation.

Some scuba diving insurance UK companies will provide insurance cover for when you are diving at home or abroad, or on holiday or not. This is a good comprehensive type cover that would be ideal for the enthusiast. Professional divers and instructors may also prefer a fully covered package such as this for peace of mind.

You may even be able to buy travel insurance and diving insurance from the same provider, which is far less complicated than having to source two separate insurance policies, making this an important aspect to look for when you are shopping for your insurances.

Benefits of insurance

Good scuba diving UK insurance policies will have many benefits for divers that many other insurance companies do not offer. There are policies available that also cover your diving equipment, the cost of any search and rescue exercises should you find yourself in difficulties and need assistance, as well as the cost of any further treatment that you may need when you arrive home. A point to look out for when researching insurance providers is whether they have depth limits incorporated into their cover plans.

Other aspects that you may need cover for and are available are coverage for diving in wrecks, diving at night time and shark diving. If you are in doubt, contact the insurance provider to discuss your requirements and they may consider adding what you need to your cover, giving you the reassurance you need to enjoy your diving. Most companies will understand what a diver wants from his insurance cover and will reflect this in their insurance options, but it is always worth contacting them directly to discuss anything out of the ordinary.

A typical emergency cover plan would cover items that include immediate medical expenses in an emergency, treatment costs if you need a hyperbaric chamber, air evacuation costs, search and rescue costs and any additional transport and accommodation costs that will often cover yourself and your family. You may also be covered for certain expenses after the event such as further medical costs when you arrive home, alternative therapy (usually approved) and access to diving doctors. You may also be insured to receive a post-accident dive fitness examination. Most companies will keep an accurate log of your dives to calculate any future claims.

AUTHOR BIO: Sharon McQueen writes about various diving and water based activities and has sound knowledge of the companies who provide cover for such hobbies and interests such as scuba diving insurance UK. For more information click here.

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