INSURANCE warning

"Osprey" <rick_hughes@btconnect.com> wrote in message
news:1162820460.453727.209620@i42g2000cwa.googlegr oups.com...
>I have a Scuba policy from Westfield, and just tried to start the claim
> process.
>
> The simple quick response is that while they cover all scuba diving
> equipment ... "all of this is excluded for cover whilst in use in the
> water."
>
> So be warned your kit is NOT COVERED when in use.
>


:O !!

Reminds me of the sketch by The Two Ronnies.

Corbett goes to buy insurance off a broker played by Barker. Along the way,
Corbett asks how this insurance thnig works. Barker replies to the effect
that "Insurance is the means by which you the insured pay me the insurer
lots of money".

Corbett asks " . and then what?"

"Oh, that's it" retorts Barker.

Ken

"Osprey" <rick_hughes@btconnect.com> wrote in message
news:1162820460.453727.209620@i42g2000cwa.googlegr oups.com...
>I have a Scuba policy from Westfield, and just tried to start the claim
> process.
>
> The simple quick response is that while they cover all scuba diving
> equipment ... "all of this is excluded for cover whilst in use in the
> water."
>
> So be warned your kit is NOT COVERED when in use.
>


:O !!

Reminds me of the sketch by The Two Ronnies.

Corbett goes to buy insurance off a broker played by Barker. Along the way,
Corbett asks how this insurance thnig works. Barker replies to the effect
that "Insurance is the means by which you the insured pay me the insurer
lots of money".

Corbett asks " . and then what?"

"Oh, that's it" retorts Barker.

Ken

"Osprey" <rick_hughes@btconnect.com> wrote in message
news:1162820460.453727.209620@i42g2000cwa.googlegr oups.com...
>I have a Scuba policy from Westfield, and just tried to start the claim
> process.
>
> The simple quick response is that while they cover all scuba diving
> equipment ... "all of this is excluded for cover whilst in use in the
> water."
>
> So be warned your kit is NOT COVERED when in use.
>


:O !!

Reminds me of the sketch by The Two Ronnies.

Corbett goes to buy insurance off a broker played by Barker. Along the way,
Corbett asks how this insurance thnig works. Barker replies to the effect
that "Insurance is the means by which you the insured pay me the insurer
lots of money".

Corbett asks " . and then what?"

"Oh, that's it" retorts Barker.

Ken

"Osprey" <rick_hughes@btconnect.com> wrote in message
news:1162820460.453727.209620@i42g2000cwa.googlegr oups.com...
>I have a Scuba policy from Westfield, and just tried to start the claim
> process.
>
> The simple quick response is that while they cover all scuba diving
> equipment ... "all of this is excluded for cover whilst in use in the
> water."
>
> So be warned your kit is NOT COVERED when in use.
>


:O !!

Reminds me of the sketch by The Two Ronnies.

Corbett goes to buy insurance off a broker played by Barker. Along the way,
Corbett asks how this insurance thnig works. Barker replies to the effect
that "Insurance is the means by which you the insured pay me the insurer
lots of money".

Corbett asks " . and then what?"

"Oh, that's it" retorts Barker.

Ken

Claim your friends insurance. He was in trouble, you helped him and suffered
damage from that. Nobody's fault, but surely not yóur risk.

Frank

"Rick Hughes" <rick_hughes@btconnect.com> schreef in bericht
news:LbadnbqGeKZ6x9LYnZ2dnUVZ8tadnZ2d@bt.com...
>
> "rads" <radsxxunspamxx@xxunspamxxdavidradley.freeserve.co .uk> wrote in
> message news:iaiuk21ocaigllvkgjvuko63bg5i5p5mvv@4ax.com...
>> On 6 Nov 2006 05:41:00 -0800, "Osprey" <rick_hughes@btconnect.com>
>> wrote:
>>
>>>I have a Scuba policy from Westfield, and just tried to start the claim
>>>process.
>>>
>>>The simple quick response is that while they cover all scuba diving
>>>equipment ... "all of this is excluded for cover whilst in use in the
>>>water."
>>>
>>>So be warned your kit is NOT COVERED when in use.
>> What you bought was travel insurance.
>>
>> Kit insurance is a completely different kettle of fish.
>>
>> This is pretty clear in the policy.
>>
>> You are not the only one who has failed to understand the difference.
>>
>> http://www.yorkshire-divers.com/foru...ight=westfield
>
>
> Some interesting points in that thread ..
>
> Crazy thing is ... insurance does not cover kit if it is unattended ... or
> if in use, so the only time it is covered is when it is with you but not
> in use. ??
>
> My loss was a camera, I was underwater at the time but not taking a
> picture ... so was this 'not in use'
>
> My buddy had a bit of a medical drama underwater, I needed to sort this
> out & get his buoyancy correct - he was heading down fast & in immense
> pain.
> Sorted it, controlled buoyancy for both us until he could safely then
> surface (with normal procedures) ... he was OK afterwards, but during this
> my camera became detached from BCD clip.
>
> OK ... focus was correctly on him, and glad he is alright ... and I
> thought I would be OK, as I have a full comprehensive dive policy ... but
> it seems not.
>
> I guess I could try claim for personal items not in use, and see if they
> will allow this ?
>
> Rick
>

Claim your friends insurance. He was in trouble, you helped him and suffered
damage from that. Nobody's fault, but surely not yóur risk.

Frank

"Rick Hughes" <rick_hughes@btconnect.com> schreef in bericht
news:LbadnbqGeKZ6x9LYnZ2dnUVZ8tadnZ2d@bt.com...
>
> "rads" <radsxxunspamxx@xxunspamxxdavidradley.freeserve.co .uk> wrote in
> message news:iaiuk21ocaigllvkgjvuko63bg5i5p5mvv@4ax.com...
>> On 6 Nov 2006 05:41:00 -0800, "Osprey" <rick_hughes@btconnect.com>
>> wrote:
>>
>>>I have a Scuba policy from Westfield, and just tried to start the claim
>>>process.
>>>
>>>The simple quick response is that while they cover all scuba diving
>>>equipment ... "all of this is excluded for cover whilst in use in the
>>>water."
>>>
>>>So be warned your kit is NOT COVERED when in use.
>> What you bought was travel insurance.
>>
>> Kit insurance is a completely different kettle of fish.
>>
>> This is pretty clear in the policy.
>>
>> You are not the only one who has failed to understand the difference.
>>
>> http://www.yorkshire-divers.com/foru...ight=westfield
>
>
> Some interesting points in that thread ..
>
> Crazy thing is ... insurance does not cover kit if it is unattended ... or
> if in use, so the only time it is covered is when it is with you but not
> in use. ??
>
> My loss was a camera, I was underwater at the time but not taking a
> picture ... so was this 'not in use'
>
> My buddy had a bit of a medical drama underwater, I needed to sort this
> out & get his buoyancy correct - he was heading down fast & in immense
> pain.
> Sorted it, controlled buoyancy for both us until he could safely then
> surface (with normal procedures) ... he was OK afterwards, but during this
> my camera became detached from BCD clip.
>
> OK ... focus was correctly on him, and glad he is alright ... and I
> thought I would be OK, as I have a full comprehensive dive policy ... but
> it seems not.
>
> I guess I could try claim for personal items not in use, and see if they
> will allow this ?
>
> Rick
>

Claim your friends insurance. He was in trouble, you helped him and suffered
damage from that. Nobody's fault, but surely not yóur risk.

Frank

"Rick Hughes" <rick_hughes@btconnect.com> schreef in bericht
news:LbadnbqGeKZ6x9LYnZ2dnUVZ8tadnZ2d@bt.com...
>
> "rads" <radsxxunspamxx@xxunspamxxdavidradley.freeserve.co .uk> wrote in
> message news:iaiuk21ocaigllvkgjvuko63bg5i5p5mvv@4ax.com...
>> On 6 Nov 2006 05:41:00 -0800, "Osprey" <rick_hughes@btconnect.com>
>> wrote:
>>
>>>I have a Scuba policy from Westfield, and just tried to start the claim
>>>process.
>>>
>>>The simple quick response is that while they cover all scuba diving
>>>equipment ... "all of this is excluded for cover whilst in use in the
>>>water."
>>>
>>>So be warned your kit is NOT COVERED when in use.
>> What you bought was travel insurance.
>>
>> Kit insurance is a completely different kettle of fish.
>>
>> This is pretty clear in the policy.
>>
>> You are not the only one who has failed to understand the difference.
>>
>> http://www.yorkshire-divers.com/foru...ight=westfield
>
>
> Some interesting points in that thread ..
>
> Crazy thing is ... insurance does not cover kit if it is unattended ... or
> if in use, so the only time it is covered is when it is with you but not
> in use. ??
>
> My loss was a camera, I was underwater at the time but not taking a
> picture ... so was this 'not in use'
>
> My buddy had a bit of a medical drama underwater, I needed to sort this
> out & get his buoyancy correct - he was heading down fast & in immense
> pain.
> Sorted it, controlled buoyancy for both us until he could safely then
> surface (with normal procedures) ... he was OK afterwards, but during this
> my camera became detached from BCD clip.
>
> OK ... focus was correctly on him, and glad he is alright ... and I
> thought I would be OK, as I have a full comprehensive dive policy ... but
> it seems not.
>
> I guess I could try claim for personal items not in use, and see if they
> will allow this ?
>
> Rick
>

Claim your friends insurance. He was in trouble, you helped him and suffered
damage from that. Nobody's fault, but surely not yóur risk.

Frank

"Rick Hughes" <rick_hughes@btconnect.com> schreef in bericht
news:LbadnbqGeKZ6x9LYnZ2dnUVZ8tadnZ2d@bt.com...
>
> "rads" <radsxxunspamxx@xxunspamxxdavidradley.freeserve.co .uk> wrote in
> message news:iaiuk21ocaigllvkgjvuko63bg5i5p5mvv@4ax.com...
>> On 6 Nov 2006 05:41:00 -0800, "Osprey" <rick_hughes@btconnect.com>
>> wrote:
>>
>>>I have a Scuba policy from Westfield, and just tried to start the claim
>>>process.
>>>
>>>The simple quick response is that while they cover all scuba diving
>>>equipment ... "all of this is excluded for cover whilst in use in the
>>>water."
>>>
>>>So be warned your kit is NOT COVERED when in use.
>> What you bought was travel insurance.
>>
>> Kit insurance is a completely different kettle of fish.
>>
>> This is pretty clear in the policy.
>>
>> You are not the only one who has failed to understand the difference.
>>
>> http://www.yorkshire-divers.com/foru...ight=westfield
>
>
> Some interesting points in that thread ..
>
> Crazy thing is ... insurance does not cover kit if it is unattended ... or
> if in use, so the only time it is covered is when it is with you but not
> in use. ??
>
> My loss was a camera, I was underwater at the time but not taking a
> picture ... so was this 'not in use'
>
> My buddy had a bit of a medical drama underwater, I needed to sort this
> out & get his buoyancy correct - he was heading down fast & in immense
> pain.
> Sorted it, controlled buoyancy for both us until he could safely then
> surface (with normal procedures) ... he was OK afterwards, but during this
> my camera became detached from BCD clip.
>
> OK ... focus was correctly on him, and glad he is alright ... and I
> thought I would be OK, as I have a full comprehensive dive policy ... but
> it seems not.
>
> I guess I could try claim for personal items not in use, and see if they
> will allow this ?
>
> Rick
>

Claim your friends insurance. He was in trouble, you helped him and suffered
damage from that. Nobody's fault, but surely not yóur risk.

Frank

"Rick Hughes" <rick_hughes@btconnect.com> schreef in bericht
news:LbadnbqGeKZ6x9LYnZ2dnUVZ8tadnZ2d@bt.com...
>
> "rads" <radsxxunspamxx@xxunspamxxdavidradley.freeserve.co .uk> wrote in
> message news:iaiuk21ocaigllvkgjvuko63bg5i5p5mvv@4ax.com...
>> On 6 Nov 2006 05:41:00 -0800, "Osprey" <rick_hughes@btconnect.com>
>> wrote:
>>
>>>I have a Scuba policy from Westfield, and just tried to start the claim
>>>process.
>>>
>>>The simple quick response is that while they cover all scuba diving
>>>equipment ... "all of this is excluded for cover whilst in use in the
>>>water."
>>>
>>>So be warned your kit is NOT COVERED when in use.
>> What you bought was travel insurance.
>>
>> Kit insurance is a completely different kettle of fish.
>>
>> This is pretty clear in the policy.
>>
>> You are not the only one who has failed to understand the difference.
>>
>> http://www.yorkshire-divers.com/foru...ight=westfield
>
>
> Some interesting points in that thread ..
>
> Crazy thing is ... insurance does not cover kit if it is unattended ... or
> if in use, so the only time it is covered is when it is with you but not
> in use. ??
>
> My loss was a camera, I was underwater at the time but not taking a
> picture ... so was this 'not in use'
>
> My buddy had a bit of a medical drama underwater, I needed to sort this
> out & get his buoyancy correct - he was heading down fast & in immense
> pain.
> Sorted it, controlled buoyancy for both us until he could safely then
> surface (with normal procedures) ... he was OK afterwards, but during this
> my camera became detached from BCD clip.
>
> OK ... focus was correctly on him, and glad he is alright ... and I
> thought I would be OK, as I have a full comprehensive dive policy ... but
> it seems not.
>
> I guess I could try claim for personal items not in use, and see if they
> will allow this ?
>
> Rick
>

Claim your friends insurance. He was in trouble, you helped him and suffered
damage from that. Nobody's fault, but surely not yóur risk.

Frank

"Rick Hughes" <rick_hughes@btconnect.com> schreef in bericht
news:LbadnbqGeKZ6x9LYnZ2dnUVZ8tadnZ2d@bt.com...
>
> "rads" <radsxxunspamxx@xxunspamxxdavidradley.freeserve.co .uk> wrote in
> message news:iaiuk21ocaigllvkgjvuko63bg5i5p5mvv@4ax.com...
>> On 6 Nov 2006 05:41:00 -0800, "Osprey" <rick_hughes@btconnect.com>
>> wrote:
>>
>>>I have a Scuba policy from Westfield, and just tried to start the claim
>>>process.
>>>
>>>The simple quick response is that while they cover all scuba diving
>>>equipment ... "all of this is excluded for cover whilst in use in the
>>>water."
>>>
>>>So be warned your kit is NOT COVERED when in use.
>> What you bought was travel insurance.
>>
>> Kit insurance is a completely different kettle of fish.
>>
>> This is pretty clear in the policy.
>>
>> You are not the only one who has failed to understand the difference.
>>
>> http://www.yorkshire-divers.com/foru...ight=westfield
>
>
> Some interesting points in that thread ..
>
> Crazy thing is ... insurance does not cover kit if it is unattended ... or
> if in use, so the only time it is covered is when it is with you but not
> in use. ??
>
> My loss was a camera, I was underwater at the time but not taking a
> picture ... so was this 'not in use'
>
> My buddy had a bit of a medical drama underwater, I needed to sort this
> out & get his buoyancy correct - he was heading down fast & in immense
> pain.
> Sorted it, controlled buoyancy for both us until he could safely then
> surface (with normal procedures) ... he was OK afterwards, but during this
> my camera became detached from BCD clip.
>
> OK ... focus was correctly on him, and glad he is alright ... and I
> thought I would be OK, as I have a full comprehensive dive policy ... but
> it seems not.
>
> I guess I could try claim for personal items not in use, and see if they
> will allow this ?
>
> Rick
>