Life Insurance for Divers

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Life, Income Protection &
Critical Illness Cover
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Sports Financial Services specialises in providing financial protection to participants in high-risk sports such as scuba diving. Over the years we have developed a thorough understanding of a wide variety of outdoor pursuits and hazardous sports. In particular, we have teamed-up with British Sub Aqua to better understand the needs of divers and their financial protection needs. Scuba diving can be a challenging activity requiring fitness, technical diving skills, knowledge of technical equipment and the ability to operate in a challenging environment. If you a looking to provide for a family in the event of an accident, are concerned about the effects of a critical illness on your finances or would like to protect your income then please get in touch.

Even if you believe you have the appropriate life insurance for divers cover or other financial protection, it is may still be useful to talk to our diving specialist about the current terms that are available in the market as new financial protection products can emerge in the market over time. Undertaking this quick exercise could provide you with the peace of mind knowing that you have you have compared your cover with current market offerings.

About Life Insurance for Divers

At Sports Financial Services we have the experience of arranging cover for a wide range of diving activities, such as: 

  • Extended depth diving up to 100m
  • Diving in the UK, Europe and Worldwide
  • Offshore diving (more than 3 miles) 
  • Wreck diving and wreck penetration diving
  • Mixed gas diving
  • Rebreather diving

Some of the key questions we consider when discussing for life insurance for divers include:

  • How often do you go diving?
  • What type of diving do you undertake?
  • Are you a member of the sport’s governing body (e.g., BSAC)?
  • Have you got any diving qualifications?
  • How deep do you dive?
  • Where do you dive?
  • Do you undertake wreck exploration?
  • Do you dive as part of your occupation
  • Would you like cover for any other hazardous sports or a hazardous occupation?

Other questions that relate to your enquiry about financial protection and Scuba Diving life insurance cover include:

  • What is the amount of cover required (sum assured)?
  • What is the term of cover (number of years)?
  • What type of cover would you like (e.g., a fixed amount of protection throughout the period of cover or a declining amount of protection to match a mortgage being gradually paid off)?

Divers Critical Illness Cover

Similar to life insurance, scuba diving critical illness cover is another type of financial protection that you can speak to our specialist diving advisers about. Diving critical illness cover offers a way to cover specific illnesses or medical conditions that may have the potential to disrupt your life, family and finances. By taking part in a hazardous pursuits like scuba diving and enquiring about critical illness cover you will have your enquiry assessed against the diving activities you pursue. Cover for different types of diving activities will be assessed differently.

In some circumstances scuba diving critical illness cover policy may be subject to additional premium loadings or exclusions, for example, if you frequently dive or if you dive beyond certain depths. It’s crucial to apply to the best insurance company that suits your needs as different insurance companies have different limitations and underwriting criteria for their scuba diving critical illness cover. Your experienced adviser at Sports will work with you directly to obtain the best value protection for your diving activities.

Divers Income Protection

Alongside life insurance and critical illness cover another cover to consider is income protection. By taking part in a hazardous pursuit, you may also be interested in seeking to discover the income protection options that are available to provide you with the peace of mind if you are unable to work due to injury or sickness.

Loans, mortgages, credit cards, regular bills or family financial commitments may cause you to reflect on what would happen if you were unable to meet the payments because of a loss of income if you are unable to work. 

Enquiries about income protection are dependent on various factors, for example, whether you have previously suffered any injuries as a result of scuba diving and whether they have caused you to have time off work.

Like other forms of financial protection participation in some sports and activities may result in premium loadings, restrictions or exclusions. But, don’t worry, your personal diving adviser will discuss your needs and the options available to you.

Life Insurance for Divers with Sports Financial Services

Contact a member of our team of diving insurance specialists today for details about life insurance and the other financial protection options available to you. In addition, if you have an existing policy elsewhere and would like to check how we compare we’ll be happy to help.

In addition, if you take part in other hazardous sports or have a hazardous occupation you can also discuss your needs with our sport and occupation experts.