Well, I'm sure you don't have a policy covering Stamp Collectors regarding paper cuts that is payable by LLoyds of London. Depending on where you live, how much you dive, past stupid experiences, propensity for stupidity, etc, you could consider scuba diving an extreme sport. That would of course be determined by your insurance company, their input from you signifigant other, how often your dive buddy cuts a hole in your dry suit, how many dives you have before you beer, etc.