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Dive In
Judging by
the cover
photo: Andrew slater
one of diving’s most powerful organisations has been presented with
a new set of standards which, if approved later this year, look likely ‘The EuF has seen a great number of cases where there has been
to drive dive insurance companies to offer clearer policies for diving. lack of cover and this is unacceptable for divers,’ lyngby explains.
Charlotte Boan reports. ‘unfortunately there was no commonality between all the problems.
however, it is clearly unacceptable when you have situations where
A team of finance experts have put forward proposals to the someone has worked in the diving industry for many years and
European underwater Federation suffered permanent disability through an
(EuF) to set minimum standards and
example of provisions and exclusions:
accident, but is not covered because of
requirements for diving insurance cover technicalities.’
in a bid to combat confusion over cover.
Provisions:
If the standards are agreed on, insurance
• recreational diving is carried out in
diving insurance is a highly complex
companies will have to meet the proposed accordance with guidelines and diving market, particularly as the sport involves
benchmarks for diving cover to be practices many different training agencies and is
recognised as an EuF-recognised insurer. • death / disability has to occur within 65 subject to many different laws nationally
days after the accident.
and internationally. dive centres face
Proposals include promoting greater clarity,
• Age limit 70 years (extra costs and ap-
particular problems trying to get clear
particularly in the exclusions of cover, as
proval by insurance company up to 75
answers from insurance companies
well as immediate payment of treatment
years)
on cover when looking at depth and
to prevent any delay in medical action for qualification recommendations, as
conditions such as decompression illness in reported in the last issue of BluE (deep
chambers (see a summary on page 49).
Exclusions:
undercovered?).
• War and terrorism
over the last two years insurance expert
• radioactive contamination
With a strong background in both finance
and diver klaus krutzfeldt and finance
• self inflicted injuries
and diving, lyngby and krutzfeldt were
expert and danish diving instructor stig
• Alcohol, drugs, exposure to exceptional
approached by the EuF to see if a standard
lyngby conducted a mass survey of
danger
set of policies could be set in order to
insurance cover provided in diving, from protect its members, from professionals to
commercial business to personal travel
• Any mental disorder
standard recreational divers.
insurance cover. It was the first time that
• Any pre-resisting conditions
such an extensive survey had been carried
• Intentional diving beyond education
‘We are not here to attack anybody,’ insists
out. Their findings highlighted a need for
and experience
lyngby. ‘In our work for the EuF we had to
clearer policies, the pair said, particularly in
• diving against medical advice
come up with a minimum policy framework
areas of exclusions for cover. as an EuF diving insurance standard.’
48 www.cdws.travel
Issue  october / November 2009
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