Scuba Diving Life Insurance

Cover from as little as £18.70/mth Get a Quote now!
*Based on 30 year old, non-smoker for £100,000 level life insurance, £50,000 critical illness cover over 25 year term. Includes free scuba diving down to 40 metres, with limited internal wreck penetration.
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Sports Financial is an insurance specialist for people with non-standard risks such as for people who need Scuba Diving insurance, for life cover, critical illness cover and income protection. Most people who take part in dangerous or extreme sports should consider personal protection cover as an important element of their financial needs due to the added risks of accident, injury or even worse. Scuba Diving life insurance, critical illness cover or income protection policies will vary dramatically from one insurance provider to another so you will need to carefully consider your options before you make any decisions. All applications for non-standard life insurance, critical illness cover and income protection policies are subject to additional underwriting which can result in increased premiums, policy exclusions or even decline.

Our team of Scuba Diving life insurance, critical illness cover and income protection experts have helped a wide range of individuals to protect their families, homes and businesses in the event of illness, accident and potentially worse.

Types of Scuba Diving:

  • Recreational/holiday diving
  • Wreck diving
  • Deep sea diving
  • Cave diving
  • Free diving
  • Pothole diving
  • Diving instructor


“Before contacting Sports Financial Services, I had already attempted to find life insurance that would include cover for scuba diving. However, it became clear that the underwriters I was dealing with were clueless about the sport – vastly over-exaggerating the risks and, therefore, overcharging on premiums.

Then I contacted James Phee. Having an adviser who properly understood my sport made all the difference, as he knew exactly where to go to find what I needed, as well as how to properly represent me, as a diver, to the underwriters.

Besides these more obvious benefits, James also showed amazing attention to detail and persistence in finding me exactly the cover I needed – and for 33% of the cost!


Troy Wade

Scuba Diving Life insurance

Most extreme or dangerous sports have the potential to cause issues when applying for cover for sports such as Scuba Diving due to the additional risks of injury or death. The majority of applications may be subject to additional underwriting questions as well as possible limits depending on the frequency of the activities and levels of danger involved for that person. In the case of Scuba Diving life insurance, cover is usually available and very often at the same rates as for people who do not take part in extreme sports. If your activities are purely recreational (e.g. holiday diving) and either not very frequent or a one off then you should be able to secure life insurance with no issues at all.

Some of the key factors for life insurance underwriting are:

  • How often do you go diving
  • Which type of diving do you do
  • Have you got any diving qualifications
  • How deep do you dive

The other usual areas that will determine your life insurance are:

  • Amount of cover (sum assured)
  • Term of cover (years)
  • Type of life insurance

For more information or advice regarding Scuba Diving life insurance, scuba diving insurance or scuba diving travel insurance you should contact one of our team of experts and we will be happy to help or provide you with a quote.

Scuba Diving critical illness cover

As with life insurance, Scuba Diving critical illness cover is also usually available and very often at the insurers standard rates with no exclusions or any need for further underwriting. If your diving activities are recreational and infrequent then you should have absolutely no issue in being able to get Scuba Diving critical illness cover due to the fact that this is not considered to be an increased risk.

For anyone who takes part in frequent diving (e.g. diving instructors, regular diving etc.) or if you dive to depths of 40 metres for example, you may find that your Scuba Diving critical illness cover policy could be subject to additional premium loadings to reflect the increased risks. Some insurance providers have different underwriting criteria and limits for Scuba Diving critical illness cover so it is important to apply to the best provider for your circumstances.

Scuba Diving income protection

Similarly to life insurance and critical illness cover, Scuba Diving income protection is often available and regularly with no additional requirements, premium loadings or exclusions. Insurance underwriters will also want to know whether you have been involved in any accidents or had any injuries from your diving which has caused you to have any time off work as a result.

For more information or a free quote for Scuba Diving life insurance, critical illness cover and income protection contact one of our team of insurance experts for more information. We can also provide quotes for life insurance for paddle boarding and kayaking life insurance.

For more information about scuba diving contact the British Sub—Aqua Club:

Get a no-obligation quote

How high is the risk of scuba diving?

Whilst scuba diving can be a safe activity, it is considered to be high risk. Some of the risks of scuba diving include decompression sickness, arterial air embolism and drowning. Statistics show that the mortality risk for scuba diving is 4-5 per 1,000,000 dives.

What is specialist life insurance for scuba diving?

Specialist life insurance for scuba diving is like any other life insurance policy whereby an insurer promises to pay a designated beneficiary a sum of money upon the death of the insured person. The key difference however, is that because scuba diving is considered a high risk sport, additional underwriting, premiums and sometimes exclusions may be placed onto the life insurance policy. Sports FS specialist in life insurance for high risk sports including scuba diving meaning we can ensure you get the right level of cover in place to give you peace of mind that your loved ones are financially protected should the worst happen.

What can I expect when I make an enquiry about cover for life insurance?

At Sports Financial Services we pride ourselves on providing those who enjoy extreme and hazardous pursuits with your own specialist advise to discuss your needs, your lifestyle and your cover. All our advisors are experienced in hazardous pursuits, extreme sports, adventure sports and hazardous occupations. Where we will provide you with personal service and a quick response to your scuba diving life insurance.