Travel Insurance Spearfishing???
Printed From: The Fishing Website
Category: Diving
Forum Name: Spearo's Corner
Forum Description: Free-divers & spearos chat about their sport
URL: https://www.fishing.net.nz/forum/forum_posts.asp?TID=66903
Printed Date: 29 Jun 2026 at 2:14am
Topic: Travel Insurance Spearfishing???
Posted By: fish food
Subject: Travel Insurance Spearfishing???
Date Posted: 10 Jun 2011 at 3:05pm
| Who do you guys use for travel insurance including spearfishing, cant get anyone to insure me. |
Replies:
Posted By: long john
Date Posted: 10 Jun 2011 at 3:21pm
|
Ami ------------- Proud member of the Glen Innes Spearfishing Club |
Posted By: fish food
Date Posted: 10 Jun 2011 at 3:25pm
| they dont do travel insurance |
Posted By: long john
Date Posted: 10 Jun 2011 at 3:26pm
|
Asb? ------------- Proud member of the Glen Innes Spearfishing Club |
Posted By: herby
Date Posted: 10 Jun 2011 at 3:32pm
|
Downunder.
Just say snorkelling.
|
Posted By: kolt45
Date Posted: 10 Jun 2011 at 4:08pm
| Southern Cross. I just get normal travel insurance. Trying to get insurance to cover freediving without going through all the scuba nonsense is a waste of time. If you want to make sure you are insured no matter what, then have a look at Divers Alert Network. |
Posted By: TheSnapperWhisperer
Date Posted: 10 Jun 2011 at 4:21pm
|
I had an issue with QBE when I bought their cheap travel insurance online when booking a trip to Tonga. The wording suggested that stuff that went together (like a camera and a case and lenses) was one item, and there was a limit per item of $500 or something like that. When someone stole a good poportion of my dive gear, they claimed that it was all part of a set and therefore one item. That was wrong on so many levels, as my mask is not a set with a pole spear, etc etc... Anyway, ended up in Disputes Tribunal where I did prety well and I got a reasonable amount out of them so overall I was happy enough.
Lesson learned, though. Now when I go away I just list all my dive gear separately and send it to my insurance broker with instructions to make sure everything is covered individually. This seems to cost very little extra (if any at all) on the premium.
------------- http://www.facebook.com/TheSnapperWhisperer |
Posted By: long john
Date Posted: 10 Jun 2011 at 4:31pm
Apparently that don't werk no more. MJL knows something about it. ------------- Proud member of the Glen Innes Spearfishing Club |
herby wrote:Posted By: fish food
Date Posted: 10 Jun 2011 at 5:09pm
| Best price, well only price ive had that includes spearfishing on the policy is $138 which includes a $50 premium on one item being worth more than $3000, being vid cam and housing. If i just say snorkelling its about $50 but am i really insured? |
Posted By: herby
Date Posted: 10 Jun 2011 at 5:14pm
| are you scuba diving? |
Posted By: fish food
Date Posted: 10 Jun 2011 at 5:20pm
| no but there perception of snorkelling is probably a little different. Prob go with the snorkelling package. |
Posted By: mjl
Date Posted: 10 Jun 2011 at 5:36pm
|
If you get normal insurance and get bitten by a shark, shot by your mate, hit by a boat you will not be covered. This is new. Most insurance companies have recently changed their interpretation of the 'put yourself in danger clause' to include spearfishing, like hunting or skiing off-piste etc.
If your credit card won't cover a $50,000+ charter flight home you would be retarded not to get the right insurance. Remember the company will be actively trying to find reasons they don't have to pay out and non-disclosure is the easiest.
Whoever told you $138 was taking the piss check your emails. ------------- "It was the Law of the Sea, they said. Civilization ends at the waterline. Beyond that, we all enter the food chain, and not always right at the top. " Hunter S. Thompson |
Posted By: fish food
Date Posted: 10 Jun 2011 at 5:39pm
| Pm me who you went thru. |
Posted By: fish food
Date Posted: 10 Jun 2011 at 5:42pm
| Just checked..I listen im always listening. |
Posted By: mjl
Date Posted: 10 Jun 2011 at 5:44pm
|
Sigh... fill in the form and email it back. ------------- "It was the Law of the Sea, they said. Civilization ends at the waterline. Beyond that, we all enter the food chain, and not always right at the top. " Hunter S. Thompson |
Posted By: murderface
Date Posted: 10 Jun 2011 at 6:28pm
|
This is what my travel insurance policy says for Raro. Does spearfishing come under the hunting category? General exclusions of this policy applying to all sections We will not pay for any costs or losses arising directly or indirectly from: 14. • Professional Sport or individual and team sport competitions which • contact sport; • racing • motor sports; • hunting of any sort; • pot-holing or caving; • rodeo; • downhill snow skiing or snow boarding (including competitive downhill snow skiing or snow boarding) which happens outside of designated commercial • hang • ocean yachting (being 12 nautical miles or 21.6km or more away from land); • parachuting (including tandem parachuting), paragliding, parasailing, bungy jumping, whitewater rafting, blackwater rafting or whitewater kayaking • mountaineering or rock climbing necessitating the use of ropes; • remote area touring, except as part of a licensed organised tour; • underwater activities involving the use of artificial breathing apparatus unless You hold an open water diving certificate or are diving with a qualified instructor. |
Posted By: mustang
Date Posted: 10 Jun 2011 at 7:20pm
|
I guess all those people that do uphill snow skiing should be fine with this policy
 |
Posted By: mjl
Date Posted: 10 Jun 2011 at 9:12pm
|
Point is Murder you need to specifiaclly ask about spearfishing.
They don't list it as an excluded activity but there'll be a "putting yourself intentionally at risk" clause in there somewhere which most companies have decided spearfishing, as well as other things such as being in a charter boat, falls under. ------------- "It was the Law of the Sea, they said. Civilization ends at the waterline. Beyond that, we all enter the food chain, and not always right at the top. " Hunter S. Thompson |
Posted By: fish food
Date Posted: 10 Jun 2011 at 9:19pm
| A few pulled me up on the "hunting" clause, only after i explained in detail what spearfishing was, some said yes no problem initially not understanding what it was i was talking about. I cant see the point in not fully disclosing or educating them as they would almost certainly wriggle out of it if they could as MJL has stated. |
Posted By: murderface
Date Posted: 11 Jun 2011 at 4:20pm
|
Just got an email back from southern cross, i asked if i was covered: There is provision under TravelCare to cover you for
unexpected injury while spear-fishing or snorkelling
overseas.
You do not need to specify your equipment unless an
individual item or set of items is valued at more than $2000. Please note
sporting equipment is covered if unexpectedly damaged, lost or stolen while in
transit, however not while in use. Cost $47 for two people. |
Posted By: TheSnapperWhisperer
Date Posted: 11 Jun 2011 at 5:08pm
|
set of items
That's where they get you - see above comments ------------- http://www.facebook.com/TheSnapperWhisperer |
Posted By: fish food
Date Posted: 13 Jun 2011 at 4:20pm
I just tried them for cover they told me spearfishing was hunting and wouldnt be covered, they were interested in your email from them and wanted you to contact them murder. |
Posted By: long john
Date Posted: 13 Jun 2011 at 4:25pm
|
Wasn't that his point? It said hunting of any kind and spearfing would fall well into that category?
------------- Proud member of the Glen Innes Spearfishing Club |
Posted By: fish food
Date Posted: 13 Jun 2011 at 4:41pm
| Huh? He has an email from them saying he is covered, ive been told by one of their staff he isnt covered and i wouldnt be covered either. |
Posted By: herby
Date Posted: 13 Jun 2011 at 4:45pm
|
So, Fish food, that means if you catch menopause while out cougar hunting you're f'd.
Stink aye.
|
Posted By: fish food
Date Posted: 13 Jun 2011 at 4:52pm
| Ive found an insurance co that will cover me for spearfishing but not cougars. |
Posted By: bigbrett
Date Posted: 13 Jun 2011 at 4:57pm
|
Mate I don't think you will ever get insurance for cougar hunting ------------- Also known as "Dory Rider" |
Posted By: murderface
Date Posted: 13 Jun 2011 at 8:28pm
|
Got it in writing from a lady called Karen
Broughton Southern Cross Travel Insurance Level 7, AMP Centre, 29 Customs Street West Private Bag 99925, Newmarket, Auckland 1149. I asked all the questions regarding hunting, fishing, and a hybrid of the two, and got the email saying I was covered. But as for the gear, all the gear im taking works out to $2400, but because I didnt buy as a complete package and have a receipt for it, I dont have to specify. Hope that means they will pay out full ammount for each individual item if anything happens. Covered while not in use though! |
Posted By: long john
Date Posted: 13 Jun 2011 at 8:39pm
|
I dunno-your policy clearly excluded ' hunting of any sort' and once you present them with a $60,000 bill for a medivac to N.Z because a silverfringe near took your arm off, I reckon they might include spearfing in that definition? I would.
------------- Proud member of the Glen Innes Spearfishing Club |
Posted By: murderface
Date Posted: 13 Jun 2011 at 8:46pm
| Maybe shes new to the job. Would it make a difference if you had medical insurance with them also? |
Posted By: long john
Date Posted: 13 Jun 2011 at 8:50pm
|
dunno. I'd get something in writing if I was you.
------------- Proud member of the Glen Innes Spearfishing Club |
Posted By: bigbrett
Date Posted: 13 Jun 2011 at 8:51pm
|
Pretty sure they ask about "high risk activities when you get medical insurance - i know my life insurance asked me that question ------------- Also known as "Dory Rider" |
Posted By: murderface
Date Posted: 13 Jun 2011 at 9:07pm
| They consider being a chippy high risk. It was my missus who sorted it out, but she did ask bout diving etc. Ill ring them tomorrow to make sure. They will scam their way out of paying if they can. |
Posted By: Crippy
Date Posted: 13 Jun 2011 at 9:28pm
|
Ok so what are the good insurance company's the DO cover you for spearfishing and approximate pricing? ------------- Go hard or die trying. |
Posted By: SeaCamel
Date Posted: 13 Jun 2011 at 10:06pm
If you're a member of DAN, which isn't expensive you'll have your emergency evacuation covered but not the medical costs (i.e. treatment in local hospital) unless you get a trip insurance. I'd be happy to fork out money for stitches should I survive a boat accident, being shot or bitten by a shark. So what are medical costs that I could incur as a result of spearfishing that would make a spearo trip awfully expensive? Isn't it in large the evacuation that would blow your budget? In that case, you would be sufficiently covered for most eventualities with regular travel cover + DAN membership. ------------- Many a mickle makes a muckle |
Posted By: SharkBite
Date Posted: 14 Jun 2011 at 9:21am
|
I have Southern Cross medical Insurance and then also took out Southern Cross Travel Insurance online for a recent trip to the Solomons. Spearfishing was not specifically excluded anywhere in the terms and conditions so I rang SCTI just to make sure spearfishing was covered only to be told that in the event of a claim they would consider spearfishing to be an activity which 'deliberately places you in harm's way' (Clause 22 from memory) and decline to pay out. The discussion then degenerated into my asking suitably inane questions like, if I am swimming at the beach or snorkelling (without a speargun) and a shark takes a chunk out of me am I covered [YES]. If I am rod fishing from a boat and fall over the side and eaten by a shark am I covered [YES]. If I am walking a creekbed in the Solomons and a crocodile eats me am I covered [YES]. If I am snorkelling along with an unloaded speargun am I covered [NO]. Hear and believe: SCTI will not cover anything that happens to you (or your gear) while you are doing anything that suggests you are or could have been spearfishing. I cancelled my SCTI policy for a full refund. SCTI appears to be a product designed for those who go to the Islands and holiday in a manner which does not place them in harms way. Now, WTF would I even want insurance if I wasn't in harms way. Fortunately MJL has an appropriate solution which applies to those in harms way. And its cheaper, in fact half the price of SCTI, so this is the one situation where cheaper is actually better. ------------- "There goes another moocher" |