This benefit is usually taken as an optional benefit to a Mortgage Protection or Family Protection plan. Unlike many other companies that do not specialise, we aim to provide the best quote that already includes cover for your sport. The initial quote you will receive from us will already take into consideration your diving activities This avoids unexpected extra cost or diving exclusions once we have submitted your application to the insurer.

Critical Illness Cover would provide a lump sum benefit on diagnosis of a Critical Illness covered by the policy. The amount of benefit paid would be the same amount as your basic death benefit. After any claim the plan would cease. Apart from the main Critical Illnesses, for example HEART ATTACK, CANCER, STROKE, cover can also be included that may be pertinent to your sporting activities for example TRAUMATIC HEAD INJURY or TOTAL PERMANENT DISABLEMENT

Not to be confused with Terminal Illness Cover which is usually a free benefit on a Life Insurance policy that simply pays out the death benefit early if you are diagnosed not to survive longer than 12 months.

Scuba Financial Services simply specialises in arranging life cover, critical illness and income protection cover for divers.

We know that not all diving activities are the same. We understand the difference between Snorkelling and Scuba. And we work closely with BSAC to keep our knowledge up to date.

Plus we deal individually with each client and are able to quote a premium that takes into account your diving before the submission of an application - saving you valuable time and confusion.

5 great reasons for choosing us:

1. We specialise in arranging financial protection for divers and participants of diving activities.
   
   
2. We have direct connections with specialist insurance underwriters who can offer special terms.
   
   
3. We are a membership benefit service of the British Sub Aqua Club.
   
   
4. We know that divers are responsible people participating in a recognised sport, not “extreme risk takers” like so many other companies believe.
   
   
5. Unlike other companies our quote will already include and cover your diving activities based on your personal activity level.