Worldwide Diver Insurance Jargon Buster

Baggage & Dive Equipment

Coverage for personal belongings & dive equipment

  • £2,500 - Overall in respect of Baggage (limited to £400 per item)
  • £300 - Overall in respect of Replacement Hire in the event of lost baggage


Personal Money

Coverage for cash and travellers cheques belonging to you and for which you are responsible.


Personal Accident

Coverage if you suffer bodily injury or death.


Personal Liability

Coverage for all sums that you become legally liable to pay as a result of bodily injury, death or damage to property that you cause.


Medical and Emergency Expenses

Coverage for accidental bodily injury, illness or death


Cancellation and Curtailment

Coverage for cancelling your holiday prior to travel or curtailing your holiday after travel has commenced and returning home early. The total amount payable in respect of each Insured is £5,000


Delayed Departure

A benefit that may be paid in the event that your aircraft or ship is delayed


Missed Departure

Coverage for additional accommodation and travel costs that you incur in reaching your overseas destination if you miss the departure of your pre-booked transport


Hospital Inconvenience Benefit

A benefit that is paid for being hospitalised abroad


Loss of Passport

Coverage for additional travel and accommodation expenses incurred abroad in obtaining a replacement passport


Legal Expenses and Advice

Coverage for legal costs incurred in pursuit of compensation following personal injury or death whilst abroad.


Loss of Activity Days

A benefit paid for the loss of pre-booked and pre-paid dive activity days if you suffer an injury or are taken ill.



A benefit paid if you are hijacked whilst travelling.


Avalanche Delay

Coverage for additional travel and accommodation expenses incurred if your transfer from or to your pre-booked resort is delayed as a result of an avalanche.


Piste Closure

A benefit paid if a lack of snow closes that piste and prevents you from skiing


Adverse Weather

A benefit paid for the loss of pre-booked and pre-paid dive activity days if the weather conditions prevent you from diving.


Trip Limit

Unlimited trip lengths within the dates of coverage.


Territorial Limits

Where the policy will cover you as per your policy wording but is subject to Foreign & Commonwealth Office travel advice (please see


Adventure Sports and Dive Professional Development Cover

By selecting this option you will be covered to engage in the following adventure sporting activities continuously for an unlimited period of time during the Travel Period.  Please note that certain specific exclusions may apply to some of the activities and sports, so please consult the You are NOT covered for exclusions applying to each section of the policy and the GENERAL EXCLUSIONS.

Angling, aerial safaris with licensed operator, archery (properly supervised), badminton, baseball, basketball, beach games, bowls, clay pigeon shooting (under supervision), conservation and charity work (educational and environmental - working with hand tools only), cricket, croquet, curling, cycling (excluding BMX stunt riding), deep sea fishing (with licenced operator), fencing, fell running, fell walking, fishing, football (amateur), go karting, golf, gymnastics (non-competitive), high diving (from a purpose built diving board over a man-made pool), high ropes (through a licensed operator), hiking (established, documented, paths/tracks/mapped routes), hockey, hot air ballooning (with a licenced operator), horse riding (protective headgear to be worn, excluding jumping trials, hunting, jumping and competitive riding), ice skating, jet boating (as a passenger), jet skiing, mountain biking (protective headgear to be worn and excluding competitions and extreme downhill mountain biking), netball, pedalo, polo, pony trekking (protective headgear to be worn), river canoeing, kayaking and rafting (in calm water not sea or white water above grade 3), rambling, roller blading, rounders, rowing, rugby, safaris (provided that the Insured Person will not be using a firearm), sail boarding, sailing and yachting (inshore/coastal waters – within 12 miles of coastlines), skating, skin diving, snorkelling, soccer, squash, stand up paddle boarding, surfing, swimming, table tennis, ten pin bowling, tennis, trekking (established, documented, paths/tracks/ mapped routes with a professional local guide) tug-of-war, underground activities (as part of an organised excursion or tour or as entry for cave dive performed by a qualified diver), via ferrata, volleyball, war games, water polo, water skiing (excluding jumping), weightlifting and wind surfing.

*Please note that if you intend to participate in an activity or sport that is not listed above (and is not listed within ACTIVITIES AND SPORTS THAT ARE COVERED BY YOUR POLICY), then please contact us as we may be able to include coverage for other activities or sports by further agreement.

You will also be covered for costs incurred as a result of cancellation or Curtailment of pre-booked recreational developmental diving courses up to Dive Instructor level.


Increase your baggage item limit from £400 to £600

The maximum limit that may be claimed for each item of baggage and dive equipment on both the "Standard" and "Premium" options is £400, but this limit is increased to £600 per item by selecting this option. However if this limit is insufficient we do offer an annual dive equipment insurance policy that allows you to insure dive equipment for its full replacement value.


Cover for Independently booked holidays and trips

This coverage offers the financial protection that you would normally receive if you make a holiday or trip booking with a reputable Tour Operator. Most standard travel insurance policies only cover holidays booked as a package with a Tour Operator (which in turn will probably be protected by an ATOL scheme), and do not cover the failure of independently booked travel itineraries. Clearly this may leave holidaymakers who purchase the elements of their holiday separately (flights, accommodation, vehicle hire and other holiday activities) exposed to a financial loss, should an element that they have booked fails.

An example would be: if a hotel that you have booked with directly goes bankrupt is damaged or destroyed by fire or adverse weather before you travel, then you may be unable to reclaim the cost of your booking or claim for the cancellation of other travel expenses that you incurred such as flights.

If you independently book your own holidays then we would recommend you select this option when applying for the Annual Multi Trip insurance.


Excess Waiver

The Policy excess for each and every claim will be waived. Full details can be found within the policy wording.


Travel Disruption Cover

Provided that you have selected the Travel Disruption Cover option and paid the appropriate additional premium, the Policy will extend to include coverage for claims directly or indirectly caused by civil unrest including riots, organised protests, arson and looting. Coverage will also extend to claims directly or indirectly caused by Volcanic Eruptions, Ash Clouds, Earthquakes, Landslides, Floods, Tsunamis, atypical cyclonic storms or any other extraordinary natural phenomenon. Full details can be found within the policy wording.