What insurance do i need (UK)

**jb2cool** · January 15th, 2006, 10:20 PM

I'm doing my DIR-F in May and one of the prerequisites GUE specicfy is that i 'Must hold DAN Master level insurance or equivalent' Is this what all you UK divers have or do you use an alternative insurance provider?

Thanks

***Bob Cooper*** · January 15th, 2006, 10:35 PM

Best to just get the DAN insurance, quick and easy to apply at www.daneurope.org

GoDiva · January 15th, 2006, 10:49 PM

I thought the master was only needed for the higher courses?

Danny · January 15th, 2006, 11:19 PM

Master is usually for instructor's ,divemasters and professional divers .

**jb2cool** · January 15th, 2006, 11:22 PM

Quote: (Originally Posted by Bob Cooper)

Best to just get the DAN insurance, quick and easy to apply at www.daneurope.org

Thanks, that's what i was after. Was looking on the US DAN site and couldn't see anything about a european wing.

Gareth Burrows · January 16th, 2006, 12:15 AM

Can someone explain to me what the insurance is for in the UK please, and which level of insurance would be required just to do a fundies course in the UK. Dan insurance covers the following

Medical transportation
Cost of hospitalization
]Hyperbaric therapy
Medical costs for the emergency treatment of a diving injury
Repatriation cost
Costs of extra expenses incurred for hotel and air fare caused by a prolonged forced stay following the underwater accident
Any following Medical Specialist costs, related to the treatment of a covered diving injury
Loss of diving gear left behind in an accident during medical evacuation
Civil liability toward third parties
Daily allowance for hospital stay following an indemnifiable accident----
Permanent invalidity
Search and Recovery
Repatriation of mortal remains

With the exception of the 3rd party element, assuming one has life and kit insurance, what do I need any of this for?

**jb2cool** · January 16th, 2006, 12:34 AM

well most of it really applies for places where healthcare is at a premium but in the UK we have the NHS. I'm only thinking of getting it as the GUE website says i need it.

Is helicopter pickup and recompression treatment cost free under the NHS or will you get landed with a big bill?

Divingniknaks · January 16th, 2006, 10:36 AM

Quote: (Originally Posted by jb2cool)

well most of it really applies for places where healthcare is at a premium but in the UK we have the NHS. I'm only thinking of getting it as the GUE website says i need it.

Is helicopter pickup and recompression treatment cost free under the NHS or will you get landed with a big bill?

AFAIK your chopper ride and treatments are all free. Thats not a licence to go get bent though :D

vid · January 16th, 2006, 11:28 AM

I'm with garf on this one

there are no medical or evacuation costs in the UK - and even in some European countries these will not be incurred because of reciprocal agreements

the one piece that might need to be mandatory is 3rd party liability insurance - but the 50,000.00 Euros cover under the DAN policy would frankly be laughable (too low) in the UK if you were found to be liable for death or injury

For Fundies in the UK, are we still required to have this total level of cover (even if unneccessary / insufficient)?

vid

NB important news for those UK divers who travel to france etc for their regular cave fix - the old UK E111 forms are no longer valid - you must have a European Health Insurance Card (EHIC) to receive healthcare in an EEA country or Switzerland

***Bob Cooper*** · January 16th, 2006, 11:38 AM

Quote: (Originally Posted by vid)

NB important news for those UK divers who travel to france etc for their regular cave fix - the old UK E111 forms are no longer valid - you must have a European Health Insurance Card (EHIC) to receive healthcare in an EEA country or Switzerland

That's right, the E111 is now defunct. You can get a snazzy EHIC on-line by going to www.ehic.org.uk

These aren't mandatory, they just entitle you to receive reduced cost (or free) medical care when in Europe. There are other ways of receiving free medical care (like insurance for example).

January 15th, 2006, 10:20 PM	#1 (permalink)
jb2cool(Offline) Padawan learner Join Date: Nov 2005 Location: Bracknell, Berkshire Posts: 796	What insurance do i need (UK) I'm doing my DIR-F in May and one of the prerequisites GUE specicfy is that i 'Must hold DAN Master level insurance or equivalent' Is this what all you UK divers have or do you use an alternative insurance provider? Thanks __________________ http://jb2cool.bulldoghome.com

January 15th, 2006, 11:19 PM	#4 (permalink)
Danny(Offline) New Member Join Date: Dec 2005 Location: Belgium Posts: 77	Master is usually for instructor's ,divemasters and professional divers . __________________ There's more to life than scuba diving ,let me know when you find it !!!

January 15th, 2006, 11:22 PM	#5 (permalink)
jb2cool(Offline) Padawan learner Join Date: Nov 2005 Location: Bracknell, Berkshire Posts: 796	Quote: (Originally Posted by Bob Cooper) Best to just get the DAN insurance, quick and easy to apply at www.daneurope.org Thanks, that's what i was after. Was looking on the US DAN site and couldn't see anything about a european wing. __________________ http://jb2cool.bulldoghome.com

January 16th, 2006, 12:15 AM	#6 (permalink)
Gareth Burrows(Offline) Chimp 2 Join Date: Nov 2005 Location: Horsham, West Sussex Posts: 365	Can someone explain to me what the insurance is for in the UK please, and which level of insurance would be required just to do a fundies course in the UK. Dan insurance covers the following Medical transportation Cost of hospitalization ]Hyperbaric therapy Medical costs for the emergency treatment of a diving injury Repatriation cost Costs of extra expenses incurred for hotel and air fare caused by a prolonged forced stay following the underwater accident Any following Medical Specialist costs, related to the treatment of a covered diving injury Loss of diving gear left behind in an accident during medical evacuation Civil liability toward third parties Daily allowance for hospital stay following an indemnifiable accident---- Permanent invalidity Search and Recovery Repatriation of mortal remains With the exception of the 3rd party element, assuming one has life and kit insurance, what do I need any of this for? __________________ Garf Amusing and Clever Signature under construction. Last edited by Gareth Burrows; January 16th, 2006 at 12:19 AM.

January 16th, 2006, 12:34 AM	#7 (permalink)
jb2cool(Offline) Padawan learner Join Date: Nov 2005 Location: Bracknell, Berkshire Posts: 796	well most of it really applies for places where healthcare is at a premium but in the UK we have the NHS. I'm only thinking of getting it as the GUE website says i need it. Is helicopter pickup and recompression treatment cost free under the NHS or will you get landed with a big bill? __________________ http://jb2cool.bulldoghome.com

January 15th, 2006, 10:35 PM	#2 (permalink)
*Bob Cooper*(Offline) Moderator - "Don't stop me now!" Join Date: Nov 2005 Location: South East London, UK Posts: 680	Best to just get the DAN insurance, quick and easy to apply at www.daneurope.org

January 15th, 2006, 10:49 PM	#3 (permalink)
GoDiva (Online) New Member Join Date: Dec 2005 Location: Belgium Posts: 540	I thought the master was only needed for the higher courses?

January 16th, 2006, 10:36 AM	#8 (permalink)
Divingniknaks(Offline) Resident purveyor of shiney kit.... Join Date: Nov 2005 Location: Midlands UK Posts: 1,038	Quote: (Originally Posted by jb2cool) well most of it really applies for places where healthcare is at a premium but in the UK we have the NHS. I'm only thinking of getting it as the GUE website says i need it. Is helicopter pickup and recompression treatment cost free under the NHS or will you get landed with a big bill? AFAIK your chopper ride and treatments are all free. Thats not a licence to go get bent though :D __________________ Phill ----------------------------- Salvo Lights, DirZone Gear , Frog Wings Dive ? http://www.divingniknaks.com

January 16th, 2006, 11:28 AM	#9 (permalink)
vid(Offline) New Member Join Date: Nov 2005 Location: london/surrey border, UK Posts: 353	I'm with garf on this one there are no medical or evacuation costs in the UK - and even in some European countries these will not be incurred because of reciprocal agreements the one piece that might need to be mandatory is 3rd party liability insurance - but the 50,000.00 Euros cover under the DAN policy would frankly be laughable (too low) in the UK if you were found to be liable for death or injury For Fundies in the UK, are we still required to have this total level of cover (even if unneccessary / insufficient)? vid NB important news for those UK divers who travel to france etc for their regular cave fix - the old UK E111 forms are no longer valid - you must have a European Health Insurance Card (EHIC) to receive healthcare in an EEA country or Switzerland

January 16th, 2006, 11:38 AM	#10 (permalink)
*Bob Cooper*(Offline) Moderator - "Don't stop me now!" Join Date: Nov 2005 Location: South East London, UK Posts: 680	Quote: (Originally Posted by vid) NB important news for those UK divers who travel to france etc for their regular cave fix - the old UK E111 forms are no longer valid - you must have a European Health Insurance Card (EHIC) to receive healthcare in an EEA country or Switzerland That's right, the E111 is now defunct. You can get a snazzy EHIC on-line by going to www.ehic.org.uk These aren't mandatory, they just entitle you to receive reduced cost (or free) medical care when in Europe. There are other ways of receiving free medical care (like insurance for example).