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SueB
Advanced Member
United Kingdom
2167 Posts |
 Posted - 06 Feb 2010 : 00:32:19
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Hi,
this is a subject raised as part of the nitrox thread - but it has uncovered an interesting topic.....
- does a diver needto complete the Padi Deep Diver speciality to be covered beyond the 30m as is common for insurance?
The link below, does not give that option.....AOW to 30m, but BSAC dive leader can buy an option to 50m
http://insurance.essentialtravel.co.uk/scubainsurance.asp
I'm going to shop around... it seems a shame to not be able to drop just a few cm...if it means risking no cover at all on the rare occurance of a problem.. |
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SueB
Advanced Member
United Kingdom
2167 Posts |
Posted - 06 Feb 2010 : 00:38:03
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ah ha....
- now found this one - no depth restriction!! ( and less exclusions) - so maybe I don't need the deep course at all!?  ..could pay for a nav course instead!
http://www.divinginsuranceuk.com/travel.htm |
Edited by - SueB on 06 Feb 2010 00:40:14 |
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stupot
Advanced Member
United Kingdom
631 Posts |
Posted - 06 Feb 2010 : 01:21:04
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quote:
Originally posted by SueB
ah ha....
- now found this one - no depth restriction!! ( and less exclusions) - so maybe I don't need the deep course at all!?..could pay for a nav course instead!
http://www.divinginsuranceuk.com/travel.htm
Maybe a dumb question, but have you looked at the DAN website ?? |
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SueB
Advanced Member
United Kingdom
2167 Posts |
Posted - 06 Feb 2010 : 12:08:05
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Not a dumb question at all Stu....no I haven't, but I wil!!
I've also heard of people getting insurance with PADI but maybe that's just instructors? |
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Kizzy
Senior Member
United Kingdom
177 Posts |
Posted - 06 Feb 2010 : 13:01:34
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I'm insured with DAN. It seems to be the insurance of choice with most divers I know. Have you done your advanced? sorry I cant remember. I'd recommend it if you haven't.
Someone correct me if I'm wrong, but when I did my advanced, I did my deep & nav.
OW licenses you to 18m, were as advanced licenses you to 30m. Then your insurance covers you to whatever you're licensed to.(as long as you get one that goes to 30m)
Hope this helps, but I must admit to a bit of confusion Too! |
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SueB
Advanced Member
United Kingdom
2167 Posts |
Posted - 06 Feb 2010 : 14:06:00
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Thanks Kizzy,
I will look at the DAN site....but the issue came to light because the group I dive with here, have a luxury liveaboard trip in June, ( special shark-study trip) -which although I'm not going on cos I haven't won lotto  - the sites they will be visiting include some at about 35m....and even though everyone is AOW ( ie to 30m) - the idea is that if you go below 30m you would not be insured in the event of an accident - and with computers they have proof.
One option is to miss the part of the site at 35m, or to risk insurance, or - as might be the case, do the deep as a full cert?!
It appears that even if they say no depth restriction, it then says when diving to your certified level - ie 18m OW, and 30m AOW.....so it appears the only way to go below 30m ( but not tech diving - just nitrox) and be insured would be to do the deep cert?!....  !! |
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Martin B
Junior Member
38 Posts |
Posted - 11 Feb 2010 : 21:20:48
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Hi Sue,
with DAN you are qualified to the depth of your certification (all DAN members can pay for the same basic cover, wether they are ow or trimix), so if you went beyond your limits then questions would be asked.
One important thing to remember with insurance companies is that they are there to make money for the company not to pay out no matter what the circumstances (inc DAN). If they state a maximum then they mean it. If they don't, then I'd be worried they don't know enough about diving to get me the right help if it all goes wrong.
One thing to note is that with the PADI deep spec - you don't neccesarily go beyond 30m, and as PADI state - you are only qualified to the depths and conditions of your training.
Another thing to consider is the deeper you go the greater the changes becomes over an increasingly shorter distance of depth.
The difference to you as diver from 30 to 35m is a lot more than say 13m to 18m. Dig out a PADI dive table and look at the no deco limits.
Some people might say "Ah, but I have a computer" - all well and good but that does give you an extra supply of air if your deco limit suddenly goes through the roof.
I don't have the exact figures to hand (Bianca will have them in her old CD manual)but I believe a DAN survey into accidents in Australia found that a very high % of fatalities involved people diving beyond the limits of their training (I'm sure it was approx60%).
Me personally, if they have AOW and nitrox, then I would suggest they do TDI Advanced Nitrox. With the extra knowledge and experience, the dive will be safer and you have the piece of mind.
I'm sure Ian from the tech department will confirm the depths on that course (45m?) and can you give further details of the course content.
It's not worth seeing a shark if you can't get back and tell everyone :-) |
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Martin B
Junior Member
38 Posts |
Posted - 11 Feb 2010 : 21:22:36
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"the dive will be safer and you have the PIECE of mind"
sorry, that's the Iron Maiden fan in me - should say peace :-) |
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SueB
Advanced Member
United Kingdom
2167 Posts |
Posted - 11 Feb 2010 : 22:10:04
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Wow! - thanks Martin B! - really useful stuff...and a very valid point about seeing the shark, and living to tell the tale!
You've answered the fact about the 'deep-cert'...a group of us are going away- nice liveaboard in S Red Sea in June!!- special shark study trip, and apparently at some sites the feeding stations are at 40m - so we were under the impression that the deep-cert would mean our qualified depth would jump to 40m ( like OW to AOW goes from 18-30)...
- but I understand completely what you say about the physiology at those depths, and for my part being a bit of an air guzzler,I have to consider that too!
Interestingly enough - I have just tonight spoken to the insurance company who does our annual multi-trip travel insurance - to clarify their wording of scuba-diving being covered to 35m for a qualified diver....they were 200% positive that it is regardless of level of qualification, and will put wording to that effect on the renewal schedule in March!!...the medical and equipment cover is good, and it covers dive specific hols too.
For my part - I'm quite happy to have the few metres lee-way beneath 30m for as and when - but no real desire to go deeper at this stage...! I'm sure I'll still see the sharks...they are pretty big so I've been told!!
Very grateful! |
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Topic |
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Depth- dive insurance?
