Divers insurance 

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Life, Income Protection &
Critical Illness Cover
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Whether you participate in diving for leisure, pleasure or occupation, speak to Sports Financial Services about life insurance, mortgage protection, income protection and critical illness divers insurance

Sports Financial Services specialises in offering financial protection to people who take part in hazardous sports and occupations such as diving. If you take part in any form of diving, whether recreational or occupational, you will need to disclose information about your sport and occupation to any life insurance, critical illness cover or income protection providers. 

Because diving demands a certain level of technical skill and is undertaken in challenging environments, diving insurance can often require more specialist types of cover. If you would like to discuss the right life insurance, critical illness cover or income protection cover for diving you have come to the right place. Whatever your experience please speak to us today about the availability of cover for your sport.


History of Sports FS Divers Insurance

We were originally founded (over 20 years ago) as Summit Financial Services. Over time we discovered that many climbers and mountaineers that took cover with us, also enjoyed a mix of many other outdoor activities (e.g., scuba, caving, canoeing and skiing). As a result, we started working with, and developing an expertise in, an increasing number of outdoor activities. 


Our relationship with scuba diving started over 10 years ago when we started working with the British Sub Aqua Club (BSAC) and developed an insurance service for their members.

What is Divers Life Insurance?

The underwriting of life insurance, income protection and critical illness for divers can vary depending on your insurance provider as well as your level of participation in diving. For this reason, specialist advice can be beneficial in obtaining the right cover for you, your circumstances and all aspects of your chosen sport and lifestyle. 


Because we have been working with divers for a long time, we have experience of helping divers across a range of disciplines such as scuba, fixed line, mixed gas and use of rebreathers.


When you enquire, we’ll want to discuss things like the number of dives you undertake each year, your maximum diving depth and any diving you take part in internationally. You can also discuss the availability of cover for any specialist diving activities you pursue such as solo, wreck, cave, commercial or diving for occupational purposes (e.g., offshore oil/gas diving).


Divers insurance underwriting

Often, when looking for specialist insurance for extreme pursuits like diving you may come across additional requirements in order for underwriters to fully understand your activities. Some extreme sports and occupational financial protection may cost more due to these additional requirements. 


Our 20-year history of helping extreme sports people means that we understand sports and when it comes to divers insurance, we understand the needs of those who participate in hazardous sports and occupations. 


Here are some areas that insurers might consider when assessing your enquiry for life insurance for divers:


  • How is your health and lifestyle? (e.g., alcohol consumption, exercise and smoking)
  • What is your current employment and does it take you on international travel? (e.g., UK, Europe and/or worldwide)
  • What type of diving activities do you participate in? (e.g., scuba diving, mixed gas, fixed line or rebreather)
  • Do you participate in diving as a hobby or professionally?
  • Do you participate in diving alone or as part of a group?
  • Your frequency of participation in diving / number of dives per year?
  • Duration of participation in diving (single day or multiday events / holidays)?
  • What depths do you dive to / maximum diving depth?
  • Do you explore wrecks (externally / internally)?
  • Do you undertake any professional or instructional diving work or dive for occupational purposes (e.g., offshore oil/gas diving)?
  • Do you participate in specialist diving activities (e.g., solo, wreck, cave, ice or deep sea)?
  • Where do you typically dive (e.g., inland lakes, onshore or off-shore)?
  • What diving qualifications do you hold?
  • Are you a member of the Sport’s Governing Body? (e.g., the British Sub Aqua Club www.bsac.com )
  • Do you travel internationally to participate in diving activities? 


Such questions will help us find the facts that insurance companies require in relation to you, your sport and your lifestyle.


Other types of divers insurance:

Critical Illness Cover:


Critical illness cover is a way to cover specific illnesses or medical conditions that might disrupt your life, family and finances. Anyone who takes part in hazardous pursuits like diving and enquires about critical illness cover will have their enquiry assessed against the activities they pursue. Cover for different types of diving activities will be assessed differently. 


Cover for some sports can be offered at standard rates with no special terms imposed whilst participation in other sports may result in premium loadings, special terms, restrictions or exclusions. Your sports specialist at Sports Financial Services will talk you through the options available to you based on a number of factors such as your diving activities, occupation and lifestyle. 


Income Protection:


Another important cover to consider is income protection, particularly if you take part in high-risk pursuits like scuba diving. Income protection could provide you with peace of mind if you are unable to work due to injury or sickness. 


If you have a loan, mortgage, credit cards, regular bills or family financial commitments then you may want to consider what would happen if you were unable to meet the payments because of a loss of income if you are unable to work.  


Applications for income protection are dependent on many factors, for example, whether you have previously suffered any injuries as a result of diving and whether they have caused you to have a significant amount of time off work. 


Again, like critical illness cover, participation in some sports and activities may result in premium loadings, restrictions or exclusions. But, don’t worry, your adviser will discuss your needs and the options available to you.


Why Choose Sports Financial Services for Divers Insurance?

Whatever drives your interest in diving – challenge, adventure, exercise, exploration, social connection, underwater photography, marine ecology or wreck exploration – we are here to discuss your protection needs.


Sports Financial Services are a team of insurance specialists with many years of experience working with those who pursue hazardous sports and occupations. We know how important it is to find life insurance for divers and life insurance for diving at the right price.


The main types of protection that you may want to discuss with us include:


  • Life Insurance
  • Mortgage Protection
  • Critical Illness Cover
  • Income Protection


In addition, if you keep up a health regime and participate in a regular fitness plan, you may also want to speak to us about policies that monitor your fitness and reward you for keeping fit and healthy.


Even if you have an insurance policy in place, have been declined life insurance for diving in the past or have previously experienced problems obtaining life insurance then you should speak to our extreme sport and occupation experts. 


In addition, different insurers come to the market over time and others may change their terms. This may mean that different terms are available in the market place than when you first applied for diving insurance. 


Getting into scuba diving 


We have worked with the British Sub Aqua Club (BSAC) for over a decade (www.bsac.com) and you may find them a source of useful information for the following: 


  1. The costs associated with learning to dive 


  1. Learning to dive:


  • Try scuba diving
  • Best diving centre near you
  • Top UK diving sites


  1. Diver training, online learning, e-learning & videos


  1. Skill development and progression courses, for example:


  • Try Dive
  • Ocean Diver
  • Sports Diver 
  • Dive Leader
  • Advanced Diver
  • First Class Diver


  1. Additional diving skills development, for example:


  • Dive planning
  • Boat handling 
  • Navigation
  • First aid
  • Life saving 


  1. Finding a club or diving centre


  1. Information on the different types of equipment used by divers.


To find out more contact:


British Sub-Aqua Club (BSAC)

Telford’s Quay South Pier Road

Ellesmere Port


CH65 4FL

+44 (0)151 350 6200


Email: info@bsac.com

Website: www.bsac.com