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Post Options Post Options   Likes (0) Likes(0)   Quote fish food Quote  Post ReplyReply Direct Link To This Post Topic: Travel Insurance Spearfishing???
    Posted: 10 Jun 2011 at 3:05pm
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Who do you guys use for travel insurance including spearfishing, cant get anyone to insure me.
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Post Options Post Options   Likes (0) Likes(0)   Quote long john Quote  Post ReplyReply Direct Link To This Post Posted: 10 Jun 2011 at 3:21pm
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Ami
Proud member of the Glen Innes Spearfishing Club
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Post Options Post Options   Likes (0) Likes(0)   Quote fish food Quote  Post ReplyReply Direct Link To This Post Posted: 10 Jun 2011 at 3:25pm
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they dont do travel insurance
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Post Options Post Options   Likes (0) Likes(0)   Quote long john Quote  Post ReplyReply Direct Link To This Post Posted: 10 Jun 2011 at 3:26pm
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Asb?
Proud member of the Glen Innes Spearfishing Club
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Post Options Post Options   Likes (0) Likes(0)   Quote herby Quote  Post ReplyReply Direct Link To This Post Posted: 10 Jun 2011 at 3:32pm
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Downunder.
Just say snorkelling.
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Post Options Post Options   Likes (0) Likes(0)   Quote kolt45 Quote  Post ReplyReply Direct Link To This Post Posted: 10 Jun 2011 at 4:08pm
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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.
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Post Options Post Options   Likes (0) Likes(0)   Quote TheSnapperWhisperer Quote  Post ReplyReply Direct Link To This Post Posted: 10 Jun 2011 at 4:21pm
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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
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Post Options Post Options   Likes (0) Likes(0)   Quote long john Quote  Post ReplyReply Direct Link To This Post Posted: 10 Jun 2011 at 4:31pm
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Originally posted by herby herby wrote:

Downunder.
Just say snorkelling.

Apparently that don't werk no more. MJL knows something about it.
Proud member of the Glen Innes Spearfishing Club
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Post Options Post Options   Likes (0) Likes(0)   Quote fish food Quote  Post ReplyReply Direct Link To This Post Posted: 10 Jun 2011 at 5:09pm
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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?
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Post Options Post Options   Likes (0) Likes(0)   Quote herby Quote  Post ReplyReply Direct Link To This Post Posted: 10 Jun 2011 at 5:14pm
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are you scuba diving?
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Post Options Post Options   Likes (0) Likes(0)   Quote fish food Quote  Post ReplyReply Direct Link To This Post Posted: 10 Jun 2011 at 5:20pm
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no but there perception of snorkelling is probably a little different. Prob go with the snorkelling package.
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Post Options Post Options   Likes (0) Likes(0)   Quote mjl Quote  Post ReplyReply Direct Link To This Post Posted: 10 Jun 2011 at 5:36pm
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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
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Post Options Post Options   Likes (0) Likes(0)   Quote fish food Quote  Post ReplyReply Direct Link To This Post Posted: 10 Jun 2011 at 5:39pm
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Pm me who you went thru.
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Post Options Post Options   Likes (0) Likes(0)   Quote fish food Quote  Post ReplyReply Direct Link To This Post Posted: 10 Jun 2011 at 5:42pm
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Just checked..I listen im always listening.
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Post Options Post Options   Likes (0) Likes(0)   Quote mjl Quote  Post ReplyReply Direct Link To This Post Posted: 10 Jun 2011 at 5:44pm
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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
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Post Options Post Options   Likes (0) Likes(0)   Quote murderface Quote  Post ReplyReply Direct Link To This Post Posted: 10 Jun 2011 at 6:28pm
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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.
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Post Options Post Options   Likes (0) Likes(0)   Quote mustang Quote  Post ReplyReply Direct Link To This Post Posted: 10 Jun 2011 at 7:20pm
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I guess all those people that do uphill snow skiing should be fine with this policyWink
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Post Options Post Options   Likes (0) Likes(0)   Quote mjl Quote  Post ReplyReply Direct Link To This Post Posted: 10 Jun 2011 at 9:12pm
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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
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Post Options Post Options   Likes (0) Likes(0)   Quote fish food Quote  Post ReplyReply Direct Link To This Post Posted: 10 Jun 2011 at 9:19pm
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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.
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Post Options Post Options   Likes (0) Likes(0)   Quote murderface Quote  Post ReplyReply Direct Link To This Post Posted: 11 Jun 2011 at 4:20pm
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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.
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