Answered by Tom Conner
What kind of diving you do might make a difference to your policy options
Income Protection covers a wide range of hazardous pursuits and different insurers will have a different approach when it comes to what they are willing to cover. Obtaining cover for diving will depend on several factors such as the depth you dive to and whether or not any wreck or quarry dives are included.
Generally speaking, if the dives are up to a depth of 30 metres most insurers will provide income protection cover. However, any diving to deeper than 30 metres often attracts a diving exclusion. Any participation in wreck and/or quarry dives immediately attracts a diving exclusion with most insurers.
Drewberry can help…
However, there are specialist insurers who will still cover diving and therefore it is best to speak to an adviser who can tailor a plan for your specific circumstances, taking into consideration the extent of your participation in any diving related activities and then based on that information can advise you of any potential changes to premium or terms.
Frequently Asked Income Protection Insurance Questions
Oliver did an excellent job in making the right recommendations. He's been very patient in dealing with my request and helping me choose the right product. Well done and thanks very much!
Josh did a great job. Did all the legwork for me in getting the best quote and even handed it over to someone else whilst he was away, then finished the whole thing once he was back – impressed!
Josh was very good at communicating about different options for Life insurance, advising us on right choice and benefits. I would strongly recommend Drewberry. Thank you Josh.