Does life insurance cover diving?

I’m looking to replace my existing life insurance cover as i’m moving jobs and it’s not include in my new employee benefits. I’ve recently started diving as a new hobby. Is this something i could be covered for?

Question asked by Andrew Richardson
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Level of Cover
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 0208 432 7333
Our in-house Experts are here to provide FREE impartial advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

Answered by Victoria Slade

An overview on how risky the insurers perceive diving

Generally speaking yes, most insurers will allow ‘recreational’ diving down to 30 to 40m without any restrictions. If, however you participate in anything that deviates from this (e.g. competitive diving, free diving, pothole/cave diving, internal wreck diving etc), and beyond 40m – there is likely to be a ‘rating’ (i.e. an increase in premium) per ‘mile’ (which ranges as a multiple e.g. £2 per mile to £6 per mile). This means an extra £2-£6 for each thousand pounds worth of cover.

The more qualified you are the higher your premiums might be

To determine how much they will load by depends on various factors e.g. how often you are doing this type of activity – if it is too frequent, then this may result in an exclusion instead. Premiums can also be higher the more qualifications you have, as it assumes the more technical and higher frequency, the higher risk.

If you were at instructor level – the premium increase would be much higher. Often, the insurer will want to have a telephone interview with you to get an idea as to the capacity in which the diving is undertaken to determine the level of the increase in premium if it does deviate from normal, recreational diving.

Speak to an expert

If you dive and you’re looking for life insurance then please get in touch and one of our advisers will be able to take down the details of your diving and liaise with each insurer to find out which providers are offering the best options.

life insurance
 
diving
 
hazardous sport
 
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 Life Insurance Questions

 
I’m looking to take out Life Insurance and have read about an additional benefit called Terminal...
 
We have just increased our mortgage, we have existing life insurance but this no longer covers the mortgage...
 
As my husband and I are about to buy our first home we need to look at Life Insurance. I’ve got...
 
What’s the ideal length of time to set my Term Life Insurance for? Is it better to set a longer...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Andrew Giles
10/04/2018

From start to finish a very professional and courteous outfit. A very efficient company with a no nonsense approach. Would recommend.

Mark Burbidge
13/04/2018

First class service from start to finish. Sam Carr was very helpful in setting up my new insurance policies. He kept me up to date throughout the process and provided full explanation and advice on the products and was always available to help.

Doug Muirhead
10/04/2018

Excellent personal service from Matthew Giles, made sure we received a tailor made quote that ideally suited our requirements as a family.

We are rated 4.9/5 based on 1512 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1548 Reviews
R Steer
Overall Rating
Josh, Nick & Sam helped me set up PHI & Life insurance when I set up my own company. The application process wasn't straight forward due to my medical history, but the team made everything as simple as possible.
C Ash
Overall Rating
I have not started my health cover yet, bus so far the introduction has been very efficient and speedy.
G White
Overall Rating
Clear and concise information
D Muirhead
Overall Rating
Excellent personal service from Matthew Giles, made sure we received a tailor made quote that ideally suited our requirements as a family
S Walker
Overall Rating
Great service, independent advice, not pushy and very consultative. I would have no hesitation in recommending.