IANAL - does my insurance cover diving?

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I have a confusing exclusion clause:

<<diving, including but not limited to cave diving, diving with sharks, high diving, SCUBA diving (any form of underwater swimming or sub-aqua activity below a depth of 30 metres or any underwater breathing equipment except a snorkel, unless you’re a qualified diver or you’re accompanied by a qualified instructor);>>

Sounds like I'm covered, provided I am qualified or accompanied.

Can anyone with a sharp legal mind give a second opinion?
 
Sounds like you are covered for the dives you are "qualified" for, but that could take a court case to settle. Get DAN dive insurance. :wink:
 
I have a confusing exclusion clause:

<<diving, including but not limited to cave diving, diving with sharks, high diving, SCUBA diving (any form of underwater swimming or sub-aqua activity below a depth of 30 metres or any underwater breathing equipment except a snorkel, unless you&#8217;re a qualified diver or you&#8217;re accompanied by a qualified instructor);>>

Sounds like I'm covered, provided I am qualified or accompanied.

Can anyone with a sharp legal mind give a second opinion?

Hopefully you got a FIRST opinion from your insurance company.

It is poorly written. Seems they are defining scuba diving as being deeper than 30 metres. Or is it that you can go deeper than 30m if you're qualified or with an instructor? Or that you can dive if you're qualified... but can't go deeper than 30m?
 
I have a confusing exclusion clause:

<<diving, including but not limited to cave diving, diving with sharks, high diving, SCUBA diving (any form of underwater swimming or sub-aqua activity below a depth of 30 metres or any underwater breathing equipment except a snorkel, unless you&#8217;re a qualified diver or you&#8217;re accompanied by a qualified instructor);>>

Sounds like I'm covered, provided I am qualified or accompanied.

Can anyone with a sharp legal mind give a second opinion?

looks like a bunch of "I gotchas" - I like the shark one. What kind of shark? Here in SoCal its rare not to see a horn shark, swell shark or even a leopard shark. All of which are harmless.
 
Hopefully you got a FIRST opinion from your insurance company.

It is poorly written. Seems they are defining scuba diving as being deeper than 30 metres. Or is it that you can go deeper than 30m if you're qualified or with an instructor? Or that you can dive if you're qualified... but can't go deeper than 30m?

Insurance companies are not going to make a statement beyond the policy wording. At least that is my experience.

Nevertheless I'm going to call them - why not.

---------- Post added October 27th, 2014 at 05:32 AM ----------

Sounds like you are covered for the dives you are "qualified" for, but that could take a court case to settle. Get DAN dive insurance. :wink:

Yep. I'm now looking at going back to specialist insurance.
 
Yep. I'm now looking at going back to specialist insurance.
I don't know what that is, but DAN membership & dive insurance will take the worries out of the deal for about $100/year with the Preferred plan. Then if you have a claim, just let the two insurance companies argue with each other over which pays how much. DAN saves some money on claims when the primary coverage pays more which keeps DAN rates down, but pays well when needed. It'd be so easy for your primary to claim you were not qualified for a certain dive.

I have my own criticisms for DAN in other areas, but would not dive without their dive insurance.
 
I don't know what that is, but DAN membership & dive insurance will take the worries out of the deal for about $100/year with the Preferred plan. Then if you have a claim, just let the two insurance companies argue with each other over which pays how much. DAN saves some money on claims when the primary coverage pays more which keeps DAN rates down, but pays well when needed. It'd be so easy for your primary to claim you were not qualified for a certain dive.

I have my own criticisms for DAN in other areas, but would not dive without their dive insurance.

I'm assuming OP is asking about LIFE insurance
 
I'm assuming OP is asking about LIFE insurance
Hmm, I guess the answers might depend on whether it's medical, accident, life, accidental death insurance or what...?
 
I suspect it&#8217;s this travel insurance. See page 09, paragraph 10.f)
 
https://www.shearwater.com/products/teric/

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