Travel & Equipment Insurance
DISCOUNTED DIVING, TRAVEL & EQUIPMENT INSURANCE FOR BS-AC MEMBERS
from :
from :
Dive Master Insurance Consultants Ltd
PO Box 146
PO Box 146
Leigh-on-Sea Essex
SS9 1SQ
Tel: 01702 476902
Tel: 01702 476902
Fax: 01702 471892
SECTION 1 - INTERNATIONAL DIVING EMERGENCY CARD
What happens if you are injured in a diving accident anywhere in the world? Who pays the immediate hyperbaric and medical costs? Who seeks and finds expert medical help? Who monitors your medical progress when you are in hospital? Who keeps your relatives informed of the situation? Will your life be covered under your existing non-diving policies?
If you are relying on your Travel Insurance to cover your sport diving risk you might be taking a bigger risk than you realise.
Part of IDEC's strength is the assistance you receive when you are injured in a diving accident. MEDEX assistance provide multilingual assistance 24hours a day. MEDEX provide a network of Regional Medical Advisors (usually diving doctors of international repute) who are tasked to liaise with your treatment centre or doctor to ensure that the treatment you receive is appropriate for a diving injury. They can also arrange air evacuation or repatriation home if necessary.
IDEC's benefits are available to you worldwide. This means that if you are injured in a diving accident in the UK, or if you are injured at resort and require follow up medical treatment, IDEC can provide private medical benefits of up to $200,000 if deemed necessary.
If you are injured at resort, the medical benefits still continue after you return home.
IDEC IS NOT TRAVEL INSURANCE - IT IS THE BEST SPORTS DIVING INJURY POLICY AVAILABLE
Unlike IDEC, Travel Insurance may not carry on providing specialist care after you have returned home
Unlike IDEC, Travel Insurance may restrict depth limit in an emergency or attempt to save human life
Unlike IDEC, Travel Insurance may not cover you for your Deep Air , Nitrox and Trimix diving
Unlike IDEC, Travel Insurance may not cover suitably certified divers to dive without an instructor
Unlike IDEC, Travel Insurance may not cover all your UK diving if it is not part of a pre booked trip
Unlike IDEC, TRAVEL INSURANCE IS NOT SPORTS INJURY INSURANCE FOR DIVERS
SECTION 2 - SHORT TRIP TRAVEL INSURANCE
Why would you want to go on a diving holiday when you're not fit to dive? You wouldn't, and we understand this, but most travel insurers would not cover you for cancelling your holiday if you were still fit to travel!
Cover is also provided for the cost of lost diving days due to illness at resort and for diving equipment up to £1000 including during use*(see below).
Policies are available on a 'short trip' basis for locations ranging from UK to Europe to Worldwide so that your policy is tailored to your holiday, and include all the usual travel insurance benefits listed below. Diver Travel cover is available to EU citizens and certain foreign nationals travelling from their home country.
Non diving members of a group can take out travel insurance without IDEC.
ANNUAL TRAVEL INSURANCE OPTIONS
All our Annual Travel Policies include an annual IDEC for the main policy holder
ANNUAL MULTI TRIP TRAVEL & DIVING COVER
If you and/or your family take more than one holiday a year, you could save both time and money with an annual multi trip diving and travel policy.
Our policy has two parts - a travel section for individuals, couples or families, and a separate section (IDEC) to cover the divers in your family. That way, the price and policy can be tailored to suit your own family.
The policy offers worldwide cover (including UK), with no limit to the number of trips you can take (up to 60 days per trip), and includes up to 17 days winter sports cover. The diving section gives worldwide cover 365 days of the year.
Benefits include cover for cancellation of a diving holiday if you are medically unfit to dive (even if you are fit to travel), cover for the cost of lost pre-booked & pre paid diving days due to illness at resort, and up to £1000 worth of diving equipment (£200 per item) - including while in use.
Couples must be permanent partners who live together.
All family members to be insured must be resident at the same address.
For Family policies, children to be insured must be under 16.
All divers must also be insured under the Travel Section.
WORLDWIDE DIVER
This is a medical and repatriation insurance (including IDEC) for divers who will be outside the United Kingdom for a period in excess of 6 months.
Cover is totally worldwide and includes cover for up to 17 days winter sports. This policy has all the standard cover you expect from a medical and repatriation insurance (detailed in the table below but excluding the cancellation section).
There is also cover for up to £1000 diving equipment including whilst in use*, and £20 per day (up to £100) for the hire of lost diving (or skiing) equipment during a period of travel. There is up to £150 available for loss of diving activity days due to injury or illness which first occurs on the trip and prevents the Insured Person engaging in sports diving.
There is no cover for cancellation or curtailment under this policy.
* If your diving equipment is valued over £1000 in total or if any item is valued at over £200, we recommend you take out Section 3 - Annual Dive Equipment Insurance to ensure you are fully covered.
Why would you want to go on a diving holiday when you're not fit to dive? You wouldn't, and we understand this, but most travel insurers would not cover you for cancelling your holiday if you were still fit to travel!
Cover is also provided for the cost of lost diving days due to illness at resort and for diving equipment up to £1000 including during use*(see below).
Policies are available on a 'short trip' basis for locations ranging from UK to Europe to Worldwide so that your policy is tailored to your holiday, and include all the usual travel insurance benefits listed below. Diver Travel cover is available to EU citizens and certain foreign nationals travelling from their home country.
Non diving members of a group can take out travel insurance without IDEC.
ANNUAL TRAVEL INSURANCE OPTIONS
All our Annual Travel Policies include an annual IDEC for the main policy holder
ANNUAL MULTI TRIP TRAVEL & DIVING COVER
If you and/or your family take more than one holiday a year, you could save both time and money with an annual multi trip diving and travel policy.
Our policy has two parts - a travel section for individuals, couples or families, and a separate section (IDEC) to cover the divers in your family. That way, the price and policy can be tailored to suit your own family.
The policy offers worldwide cover (including UK), with no limit to the number of trips you can take (up to 60 days per trip), and includes up to 17 days winter sports cover. The diving section gives worldwide cover 365 days of the year.
Benefits include cover for cancellation of a diving holiday if you are medically unfit to dive (even if you are fit to travel), cover for the cost of lost pre-booked & pre paid diving days due to illness at resort, and up to £1000 worth of diving equipment (£200 per item) - including while in use.
Couples must be permanent partners who live together.
All family members to be insured must be resident at the same address.
For Family policies, children to be insured must be under 16.
All divers must also be insured under the Travel Section.
WORLDWIDE DIVER
This is a medical and repatriation insurance (including IDEC) for divers who will be outside the United Kingdom for a period in excess of 6 months.
Cover is totally worldwide and includes cover for up to 17 days winter sports. This policy has all the standard cover you expect from a medical and repatriation insurance (detailed in the table below but excluding the cancellation section).
There is also cover for up to £1000 diving equipment including whilst in use*, and £20 per day (up to £100) for the hire of lost diving (or skiing) equipment during a period of travel. There is up to £150 available for loss of diving activity days due to injury or illness which first occurs on the trip and prevents the Insured Person engaging in sports diving.
There is no cover for cancellation or curtailment under this policy.
* If your diving equipment is valued over £1000 in total or if any item is valued at over £200, we recommend you take out Section 3 - Annual Dive Equipment Insurance to ensure you are fully covered.
SECTION 3 - ANNUAL DIVE EQUIPMENT INSURANCE
- No Claims Bonus of 5% per year up to a maximum of 20%
- Annual cover throughout the EU and 90 days worldwide extendible to 1 year
- Claims settled NEW for OLD
- Equipment covered for emergency jettisoning
- Theft from a locked and secure vehicle whilst in transit. (covered in any lockable and secure vehicle, not just a boot or van)
- At the end of transit Over Night Storage in a boot or van Is Covered so long as the vehicle is locked, provided there is no other suitable place of storage available
- This policy provides cover up to £20 per day (£140 in total) for the cost of hiring replacement diving equipment whilst we are dealing with your claim.
- Cover available for underwater propulsion vehicles
- The Excess for each and every claim is £35
UNDERWATER CAMERA & VIDEO INSURANCE
Cover is available on the same conditions as Dive Equipment Insurance and includes cover for unexplained flooding.
This remarkable cover costs only 7.5% of the value of the camera equipment plus 5% IPT.
OTHER SPORTS EQUIPMENT
Just because you're into more than one sport, you shouldn't need more than one insurance policy to cover loss or damage to all your different types of sporting equipment.
We can now offer cover to all BSAC members for all types of sporting equipment under one policy.
Cover is available at the same rates and on the same conditions as standard Dive Equipment Insurance.
This isn't the only thing that does more than one job!
Cover is available on the same conditions as Dive Equipment Insurance and includes cover for unexplained flooding.
This remarkable cover costs only 7.5% of the value of the camera equipment plus 5% IPT.
OTHER SPORTS EQUIPMENT
Just because you're into more than one sport, you shouldn't need more than one insurance policy to cover loss or damage to all your different types of sporting equipment.
We can now offer cover to all BSAC members for all types of sporting equipment under one policy.
Cover is available at the same rates and on the same conditions as standard Dive Equipment Insurance.
This isn't the only thing that does more than one job!
For the full range and details of the BSAC Insurance, contact:
Dive Master Insurance Consultants Ltd,
Dive Master Insurance Consultants Ltd,
PO Box 146,
Leigh-on-Sea,
Essex,
SS9 1SZ.
Tel: 01702 476902,
Tel: 01702 476902,
Fax: 01702 471892,
E-mail: bsacinsurance@dive-master.net
E-mail: bsacinsurance@dive-master.net
Page last modified: 29th Mar 2007 - 16:38:49