60plus
Contributor
BSAC insurance covers you to the maximum depth of your certification. My holiday insurance also is limited to the depth of the certification. If I exceed the depth and have an accident I would probably not be breaking any law in the areas where I dive but in at least some of them I would have to pay for my rescue and treatment costs and the insurers would not reimburse me.
Also look up the case of the Malta manslaughter conviction (now overturned on appeal). The legal costs would be substantial. Again if a breach of certification had been involved the defendant would have to pay legal costs themselves, instead of the insurance company.
Also look up the case of the Malta manslaughter conviction (now overturned on appeal). The legal costs would be substantial. Again if a breach of certification had been involved the defendant would have to pay legal costs themselves, instead of the insurance company.