Think You've Got Insurance To Snorkel? Think Again.

Going on a trip? Then you'll need to make sure that if anything untoward happens, you have insurance. Fortunately there are a whole host of men and women in swanky suits on the other end of your internet connection just waiting to offer you platinum cover insurance at rock bottom prices. Just click and pay and you're covered..... It's so easy. Ah if only it were so. Any seasoned traveller will be well aware that when it comes to insurance, the devil really is in the detail or to be more precise, it's in the microscopic small print. A recent article in the British Daily Mail newspaper highlighted the fact that a great majority of “cheap” insurance policies offered by insurers really aren't worth the paper they are printed on. We all know about the problems of excess payments and the fact that most insurers don't cover “hazardous activities” such as skiing, rock climbing and diving without you paying an extra premium, but few of us are probably aware that the swanky suited insurance salesmen also won't cover you for activities such as using a jet ski or going on one of those banana boat things. The article even pointed out that some policies were voided if you hurt yourself snorkelling.

Now many people consider snorkelling a sedate, unadventurous activity, that is fun for all the family. Some companies that offer snorkelling tours even suggest that because, in its most basic form, snorkelling only requires you to float on the surface, those undertaking the activity don't even have to be able to swim. So why wouldn't an insurance company cover you for bobbing about with your face in the water? Well one reason may be that, as we have pointed out before, snorkelling companies that say you don't need to be able to swim to be able to snorkel, are full of brown smelly stuff and shouldn't be trusted with their own safety let alone that of your children or elderly grandmother. Even at it's most sedentary, there are inherent dangers in snorkelling. You can suffer severe cuts from sharp coral and rocks, you can be bashed off the same coral and rocks by wave action and suffer bumps, bruises, broken bones and fractured skulls. A great number of seemingly innocuous marine life are armed with venomous spines and barbs. And. A great many more can tear huge lumps out of you. Then of course there are those uninsured jet skiers and fat people on banana boats speeding about the place with carefree abandon. Most of whom couldn't spot a terrible haircut from three feet (mainly there own) let alone a small head bobbing around in the waves. And it doesn't stop there. Snorkellers can suffer severe sunburn, they can develop hypothermia, get dragged out to sea by strong currents and finally, even if you can swim, you can still bloody well drown.

All of these are worst case scenarios of course, but that's what insurers work on. They are taking a gamble, albeit a calculated one, that you are a sensible person who isn't going to do anything silly and therefore put yourself and their livelihood at risk. Let's face it, if insurers just went on the idea that they would insure anyone to do anything then they'd have to charge premiums so high that no one could afford them and therefore go out of business 24 hours after they started. There is another reason though and that is that insurers are not only taking a calculated risk on you not doing anything silly whilst on holiday, they're also taking a calculated risk that you will be so thrilled by the cheap cost of your insurance that, even if you could find it, you won't bother to read or for that matter, understand the small print. They didn't get those swanky suits by paying claims now did they?

So what can the average snorkeller with an average pay packet do to ensure that they have insurance cover that allows them to partake in their sporting hobby? Well here are what we call the four Cs that we use to make sure our insurance is worth the paper it's printed on.

Cheap is cheap, it doesn't mean it's any good. No insurance provider would offer gold-plated insurance at bargain basement prices. So if it's cheap it's probably rubbish – we won't touch cheap insurance. That doesn't mean that you should go out and buy an insurance policy that comes in a 14-carat, diamond encrusted cover but you should make sure it is the best you can afford and provides reasonable cover. Try to avoid any policy that doesn't provide "no excess" cover as well. It's pretty pointless if your two-thousand pound camera gets stolen and you have to stump up the first thousand pounds before the insurer begrudgingly gives you the rest.

Comprehensive is best. Make sure the cover is comprehensive. In another words it covers you for most, if not all, eventualities that can go wrong on the trip from having your wallet stolen on the beach to covering medical costs if you should have an accident. Also check that in the event of a serious accident your policy covers transfer and repatriation costs otherwise you may find yourself facing a bill that would bankrupt a small country. Finally, make sure that if you are snorkelling, diving or bouncing about on a banana boat, that the insurance provides full cover or whether you have to pay an additional premium.

Check the small print. We know that insurance cover is boring and that policy documents sometimes seem to be written in a foreign language but we cannot stress the importance of checking the details. Insurers are in the business of selling you a policy that they hope you don't need and if you do need it, they have an army of legal eagles in the background whose job is to build in clauses to the policy to prevent payouts. For instance, if you are going scuba diving you might think that you have adequate insurance since the policy highlights diving as one of the activities covered. But a quick check of the detail might reveal that you are only covered to a certain depth (usually 30m), that you must hold a valid certificate of proficiency from a bona fide diving organisation for the dive being undertaken, that all the equipment you're using is adequate and in good order for the dive, or that you are under the direct supervision of qualified diving instructor. You might also find that no insurer will cover you if you dive within 24 hours of flying or vice versa. Some insurers will also refuse cover if you dive whilst suffering from a cold, flu or obstruction of the sinuses or ears. Some insurers will also not cover anyone under the age of 12 and all will void your cover if you dive whilst suffering from any medical condition that is likely to impair your fitness to dive. And that list of conditions is very long indeed. Most general insurance companies will also not cover you for diving below 50 metres, cave diving, night dives or diving solo.

Consider single activity insurance. Many people have annual multi-trip insurance or insurance that is provided by having a specific credit card or bank account. If this is the case, check that this insurance covers you for snorkelling or diving etc. If not, you might want to consider taking out activity specific insurance. This is insurance that covers only the specific activity such as snorkelling and is additional to the insurance you already have. A number of specialist insurers will provide pretty comprehensive cover for diving, snorkelling and freediving activities anywhere in the world. If you're a member of a snorkelling or diving club, check out your governing organisations advice on insurance as most, such as B.S.A.C, will be able to point you in the right direction.

There you go, we hope these four tips help. They certainly work for us but there is one last thing you should keep in mind when buying insurance. Swanky suited salespeople are just that, salespeople in swanky suits. They are there to sell you stuff and that stuff might not be what you want or in fact what you need. So buyer beware.