Income Protection for divers just doing it on holiday will normally result in standard terms so long as you are not going below 40m. For more frequent divers it will likely come with an exclusion on the policy for any claim related to an injury or illness caused by your hobby. For example, should you break your leg whilst diving and are unable to work, you will not be able to place a successful claim on the policy. However, if you were to break your leg in a non-diving circumstance e.g. car accident, and were unable to work you could apply for a claim on your policy. It is worthwhile speaking to one of our industry trained advisers so that they can fully discuss the implications of this exclusion to you and the benefits of the policy regardless of this.
Depending upon your needs and budget you could apply for Accident, Sickness and Unemployment cover as an alternative to Income Protection. This short-term Income Protection could be accepted at standard terms despite your diving activity. Accident, Sickness and Unemployment cover will provide you with a regular monthly payment for between 12 and 24 months should you be unable to work. Please use our free online quotation system to see the type of cover that is available to you.
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Talk to a Friendly Adviser
Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.
This page focuses upon diving as a hobby and should be used by those pursing the activity on a professional basis.
Other Services Available
You can apply for any of the following services through ourselves
* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.
Further Reading and Research
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