scubasean
Contributor
kwesler once bubbled...
here is a new idea...isn't it true that insurance is a major expense for boats and LDS etc.? What if there was some sort of continuing education credit for divers, that they could prove to the shops etc. The idea would be that better trained divers are less likely to have a problem, therefore reducing liability for the shops and boats. The resulting decrease in insurance payments get passed on to the divers in the form of reduced fees for fills and charters. This is how driver's ed works.
I like the idea, but the problem is that the cost to be passed on to the consumer would be pennies...as compared to the hundred or two hundred the continuing education might cost...
(On the other hand, I believe my auto insurance cost for a minor driver goes down 10 percent for his good grades...a much higher reward for continuing good performance)
How much does a dive boat pay for insurance per diver boarded that year?
For only weekends, you might get 20 divers on a smaller boat X twice a day, for two days = 80 divers...times 50 weeks = 4000 equivalent divers If you count weekdays, you add many more diver equivalents...
How much is yearly insurance per diver equivalent? a buck or two? (Actually, probably much less....)
So, the reduction would be some small fraction of that....
I'm just guessing...I'm sure many out there have the figures I'm guessing at...