Does critical illness insurance cover diving?

I’ve recently started a diving course and i’m thinking about potentially making a career out of it if it goes well. As we’ve just had another child we are thinking of taking out a critical illness policy to cover the mortgage if anything should happen to either myself or my wife. Would diving be covered under the policy?

Question asked by Matt Thomas
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Level of Cover
Date of Birth

Answered by James Rivers

Obtaining Critical Illness cover with a hobby such as diving

For anyone involved in diving this is usually one of the first questions asked when investigating Critical Illness Insurance.

Due to the nature of diving, and the range of additional risks associated with this activity, insurers will certainly ask further questions before making a decision on how this may affect a Critical Illness policy. Although each insurer will ask slightly different questions, broadly speaking they will be looking at the maximum depths, frequency of dives, and any high risk diving such as wreck or cave diving.

Generally speaking if you are just partaking in holiday diving or relatively infrequent dives, and not high risk depths or locations, this can usually be included as standard under the policy. For divers considered higher risk, insurers may need to consider additional information such as any qualifications you may have, whether you are a novice or sports diver and so on. If considered too high risk you may find that diving is excluded from the cover.

If you dive regularly and would like to know if there are any insurers that are likely to offer you cover without an exclusion, then please get in touch and one of our advisers can speak to all leading critical illness insurers on your behalf.

Speak to an expert

If you would like to discuss this further or have any other questions don’t hesitate to contact us on 01273 646 484 or pop us an email help@drewberry.co.uk. We are completely independent and have access to the whole of market.

 

critical illness insurance
 
diving
 
exclusion
 
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 

Frequently Asked Critical Illness Insurance Questions

 
I’m thinking about taking our Critical Illness insurance for some time and have just taking our...
 
I’ve recently started a diving course and i’m thinking about potentially making a career...
 
I do lots of overseas travelling for both business and vacation. I’ve started looking at insurances...
 
I’m going to get critical illness cover but one thing that I would like more information on Total...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Elizabeth Owen
10/10/2017

Sam was knowledgeable and attentive and spent a long time explaining and working out what Income Protection insurance would be best for me.

Adam Doree
04/10/2017

I researched Drewberry to make sure they would be likely to add value to the confusing process of finding suitable insurance – and they delivered completely; I was very impressed and feel like they added real value in terms of consultation and guidance. Would recommend without hesitation.

Jonathan Moss
04/10/2017

Will is fantastic went through everything in detail really helpful and ultimately ensured that I went with the best product for my circumstances. Thanks!

We are rated 4.9/5 based on 1129 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1,263 Reviews
Anonymous
Overall Rating
SAM Carr was exceptional, he made my life very easy by explaining all the details very clearly whilst giving me the best advice possible for myself.

Would recommend to a friend!
Anonymous
Overall Rating
Provided the advice & guidance that I needed
M
Overall Rating
The overall experience which I have had can be summarized by Professional, Swift and friendly. I would recommend the service to others.
D
Overall Rating
Extremely helpful and rapid service at short notice.
A
Overall Rating
Very clear explanations of the options and then efficiently processed the transaction