DISCOUNTED DIVING, TRAVEL & EQUIPMENT INSURANCE FOR BS-AC MEMBERS

from Dive Master Insurance Consultants Ltd
PO Box 146 Leigh-on-Sea Essex SS9 1SQ
Tel: 01702 476902 Fax: 01702 471892
IDEC | SHORT TRIP TRAVEL | ANNUAL EQUIPMENT | FAQs

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

HOME & RESORT DIVER
This is an Annual Multiple Trip Travel Insurance (including annual IDEC) which covers both diving and non diving holidays of up to 60 days per trip (there is no limit to the number of trips per year). Cover is Worldwide (including UK) and is an ideal policy for people who take pre booked holidays in the UK and overseas.

The policy can cover both diving and non diving family members, and includes cover for up to 17 days winter sports.

As well as standard travel insurance (as detailed in the table below) this policy provides cover for cancellation of a diving holiday if the Insured Person is declared medically unfit to engage in Sports Diving - even if they are still fit to travel. There is cover for up to £1000 diving equipment including whilst in use* and £20 per day (up to £100) for the hire of lost diving/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 a holiday and prevents the Insured Person engaging in sports diving.

RESORT DIVER
The Resort Diver Policy is the same as the Home & Resort Diver with the only exception being that it does not provide Travel cover within the confines of the United Kingdom. However, the Diving cover is still worldwide including the UK.

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.

BENEFITS UNDER SHORT TRIP AND ANNUAL TRAVEL POLICIES

SECTION LIMIT
Personal accident £15,000
Medical expenses £3,000,000
Hospital benefit £300
Cancellation/curtailment* £3,000
Loss of diving activity days £150
Personal baggage £1,500
Personal money £400
Delayed baggage £100
Missed departure £300
Passport expenses £100
Legal expenses £25,000
Personal liability £2,000,000

SECTION 3 - ANNUAL DIVE EQUIPMENT INSURANCE 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!

SPECIAL RATES FOR BSAC MEMBERS

IDEC RATES

PERIOD RATE
Up to 9 days £15.00
17 days £22.00
24 days £32.00
31 days £41.00
Annual £76.80

SHORT TRIP TRAVEL RATES
(Don't forget to add the cost of your IDEC)

PERIOD UK EUROPE* WORLDWIDE
Up to 9 days £10.00 £19.00 £34.00
17 days £11.00 £22.00 £37.00
24 days £11.50 £26.00 £45.00
31 days £12.50 £31.00 £46.00

*Europe includes Mediterranean Red Sea adjoining coastlines, Canary Islands & Madeira, but excludes Albania & Libya

ANNUAL TRAVEL RATES

Resort Diver Adult Diver: £110.26
Adult Non Diver: £ 63.46
Child Diver: £ 78.54
Child Non Diver: £ 31.74

Home &
Resort Diver		 Adult Diver: £127.89
Adult Non Diver: £ 76.91
Child Diver: £ 89.44
Child Non Diver: £ 38.46

Worldwide Diver: Period Rate
up to 6 months: £163.28
7 months: £190.48
8 months: £217.72
9 months: £244.93
10 months: £272.16
11 months: £299.35
12 months: £326.57

DIVE EQUIPMENT RATES
Sum Insured Premium
£ 500 £ 20.00
£1000 £ 40.00
£1500 £ 60.00
£2000 £ 80.00
£2500 £ 86.90
£3000 £ 96.35
£3500 £103.25
£4000 £107.50
£4500 £109.15
£5000 £121.25

(If you want a sum insured between these brackets, or over £5000 we can provide you with a quotation)

For the full range and details of the BSAC Insurance, contact:
Dive Master Insurance Consultants Ltd, PO Box 146, Leigh-on-Sea, Essex, SS9 1SZ.
Tel: 01702 476902, Fax: 01702 471892,
E-mail: bsacinsurance@dive-master.net