Life Insurance and Kit Insurance

[JonG]

Dull but necessary unfortunately.

I just wondered if there were recommendations in terms of who is good to go through, I have just had an email from DM but not sure who else to approach for a quote.

[Tel]

For kit i'd go Westfield.

The marker of a good outfit is how they react when things go wrong and
they've been very good when i've dealt with them in the past.

http://www.divinginsuranceuk.com/

[topper133]

I added my expensive items (e.g. Rebreather) to my home insurance, covers everything that DM did except jettisoning (i.e. loss while in use), which for the price difference is a risk I'll take.

For Life insurance, Vitality, they cover up to my qualifications, don't have to tell them when you have a new cert or anything.

[Gary(A)]

+1 Always found Westfeild to be spot on for both kit and life.
Give them a call.

[Hot Totty]

Think my life is with aig- no mention of sports or needing to tell them so I could be a banzai base jumper and I’d still be covered

[Yellowduke]

What are people paying for their life insurance? I'm being quoted £36 to £40 a month!

[Hot Totty]

What are people paying for their life insurance? I'm being quoted £36 to £40 a month!

50k fixed amount 12yrs £17/month

[Yellowduke]

50k fixed amount 12yrs £17/month

Thank you. Seems like the quote wasn't as bad as I thought then. Annoying thing is I'm covered for life, accident and travel whilst at work but not on leave.

[Energy58]

400k - about 60 a month until I am 65...

[Energy58]

Think my life is with aig- no mention of sports or needing to tell them so I could be a banzai base jumper and I’d still be covered

You probably should check that through your broker - if you were a base jumper before you took it out they probably would have asked; my experience was I got mine underwritten at a time when I was mister boring and they were happy even though my risk subsequently went up a lot (job in "post conflict situations") because as they said "when you took it out you weren't planning on doing any of that". I still have the policy as its still competitive according to the internet and I would probably have to pay a lot more to replicate it now because I am now much higher risk and older.

[Hot Totty]

You probably should check that through your broker - if you were a base jumper before you took it out they probably would have asked; my experience was I got mine underwritten at a time when I was mister boring and they were happy even though my risk subsequently went up a lot (job in "post conflict situations") because as they said "when you took it out you weren't planning on doing any of that". I still have the policy as its still competitive according to the internet and I would probably have to pay a lot more to replicate it now because I am now much higher risk and older.

Policies in the past have had caveats or specific questions, this lot were obsessed over my health. No mention anywhere of sports or a requirement to disclose anywhere on there t&c- so provided I don’t get diagnosed with a terminal illness within the next 12months I’m sorted

[Janos]

I insurance my kit on my home insurance. It took me a lot of phonecalls to find an insurer that would cover it:
a) While in the garage (most have a low limit on the value of stuff in 'outbuildings' even thought the garage is part of the house)
b) While in Use
c) In a parked car overnight while staying in a B&B.

However Liverpool Victoria (LV=) came up trumps with a decent price so I've insured with them. I've never had to make a claim (touch wood) though.

Janos