Dive Accident Insurance Limitations

[inquis]

They tell you to extend your limits through "training and experience." They naturally hope you will include training in that mix, but experience is really all that is necessary.

Further to this, it is also implicit in later training. For instance, Tec40 has this prereq:

• PADI Deep Diver or proof of 10 dives to 30 metres/100 feet or deeper

They're clearly expecting folks to dive below 30m/100 ft without the Deep specialty. In fact, they WANT those kind of divers for this class.

 

[tursiops]

Further to this, it is also implicit in later training. For instance, Tec40 has this prereq:

• PADI Deep Diver or proof of 10 dives to 30 metres/100 feet or deeper

They're clearly expecting folks to dive below 100 ft without the Deep specialty. In fact, they WANT those kind of divers for this class.

There is an implicit ratio factor factor in this prereq for TEC 40. The Deep Specialty only has at most 3 dives to greater than 100 ft (but less than 130), and may only have one or two...or even none. The TEC 40 prereq says ten dives to greater than 100 ft. So, the training provides less experience at greater than 100 ft than the prereq requires. The implication is that the training is more important than the dives -- by maybe a factor of 10.
Ideally, of course, you'd get both the training AND 10 dives to greater than 100 ft before task-loading yourself with TEC 40.

 

[BoltSnap]

It's a horrid commodity in an overly litigious society.

Both are arbitrary. Both were enacted to keep things safe. Both have consequences. I can speed as long as I don't get caught. I can exceed my diving limits as long as I don't die.

We're drifted way off what John wanted to discuss, but I teach my students to know their limits and honor them. Sorry, John.

Wow, this is the most agreement I have ever had with your posts. There is hope...

The recommended limits set/mentioned by training agencies (some recommendations are stronger than others, bordering on hard limits) are absolute depth limits for dive operators, taking into consideration the potential legal risk to the operator. For me, it is the certification card, logbook, most recent dives, equipment, and other factors.

(I'll check in the NAUI's S&P manual for specific text, but I am just too busy now)

 

[lermontov]

DAN Europe insurance does have depth limitations, though they are not in any way related to your cert level.

The simplest "Bronze" plan covers recreational diving only, to a maximum of 40m. The Silver and Gold plans don't have that limitation and cover "technical diving", but there is a second floor at 130m where you need to clear the dive plan with them first in order to be covered.

View attachment 885931

Submitting a dive plan for sub 100m dives varies from country to country - South africa requires it, Asia pacific does not

refer letter form DAN

Please note that they are no depth restrictions within any of our assistance packages, however divers are encouraged and should dive within the depth, training, and breathing gas requirements of their qualification, as it is safe diving practice to do so, and that is what DAN advocates. A dive plan is a good idea; however you are not required to send one to us.

ELIGIBILITY Individuals who either: (a) hold a diver certification issued by a recognized training agency, or (b) are in the process of obtaining his/her diver certification and are under the supervision of and diving with a qualified diving instructor affiliated with a recognized training agency. Diving includes all forms of recreational and non-commercial diving such as snorkelling, skin diving, free diving, and SCUBA (self Contained Underwater Breathing Apparatus) diving.

Our policies exclude any competition-related activity and commercial diving. Please refer to the policy document regarding Exclusions, Pages 15-16. Policy Handbook

whereas a member of our dive trip was from South Africa and had to submit a plan

 

[Blackcrusader]

It can't possibly be more clear that there is at least one dive insurance company that will not cover divers who intentionally dive deeper than the depth they are certified for as per their website which I provided a link to.

So name this insurance company then. PADI OW are certified to the recreational depth limit of 40m. They are initially trained to a max of 18m with an instructor.

 

[Redtwo]

So name this insurance company then. PADI OW are certified to the recreational depth limit of 40m. They are initially trained to a max of 18m with an instructor.

Diveassure. Like i also said. And where do you get the statement from your certified to 40m with a padi OW? Can you provide that link?

 

[Blackcrusader]

Diveassure. Like i also said. And where do you get the statement from your certified to 40m with a padi OW? Can you provide that link?

Perhaps you can read the thread from page one as this has been asked and answered in this thread.

OW to 40m certification already provided in this thread and many other threads.

Thread 'Dive Accident Insurance Limitations'

Mar 1, 2025

In a recent thread, a poster related a story about having to correct someone's misinformation about dive accident insurance. That misinformation has been repeated often in ScubaBoard threads. The correction is well buried in a long thread, so I thought I would create a dedicated thread that makes it clear and which can easily be linked in future threads. This one specifically refers to DAN accident insurance, but I think it would be good if other companies had their policies clarified here as well.

The misinformed person had stated that dive accident insurance only covers you if you are...

• boulderjohn
• Replies: 73
• Forum: Basic Scuba

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[Redtwo]

Perhaps you can read the thread from page one as this has been asked and answered in this thread.

OW to 40m certification already provided in this thread and many other threads.

Thread 'Dive Accident Insurance Limitations'

Mar 1, 2025

In a recent thread, a poster related a story about having to correct someone's misinformation about dive accident insurance. That misinformation has been repeated often in ScubaBoard threads. The correction is well buried in a long thread, so I thought I would create a dedicated thread that makes it clear and which can easily be linked in future threads. This one specifically refers to DAN accident insurance, but I think it would be good if other companies had their policies clarified here as well.

The misinformed person had stated that dive accident insurance only covers you if you are...

• boulderjohn
• Replies: 73
• Forum: Basic Scuba

• 
• 
• 

View attachment 886116

You don't have to be so condescending. Thx for the link/post.

Interested what a diveassure does if you do something planned you are not 'certified' for but within 40m/ndl. Entering an wreck/overhead for example.

 

[Redtwo]

A quick round of Google to said ISO gives a different view in my opinion (but im no expert in ISO..., so could be reading it wrong)

https://www.cdws.travel/downloads/rulesAndRegulations/78b25-18- ISO 24801-2 Autonomous.PDF

Says 20m and only after further training and/or with a guide/instructor to go deeper.

 

[The Chairman]

You don't have to be so condescending.

Indeed.