ajduplessis
Contributor
No. You don't. If you are technical diving you are engaged in an inherently dangerous activity, just like mountain climbing, skydiving or motorcycle racing. There's a good reason why life insurers don't like to cover these activities.
If you think you really are in your element down there, then just show me a video of you breathing underwater without any gear. We use tanks full of air and rebreathers precisely because we ARE out of our element underwater.
So is eating, you can choke and die; crossing the street can lead to danger/injury/death. That does not make walking or eating a dangerous activity. Everything in life has risk associated with it, but like I say "Nothing if foolproof/safe for the truly talented fool!!!" Human error an a lack of planning, like everything else in life can turn it into dangerous activity.
My insurer have no problem with cave diving or 300ft + dives with no increase in installment or special clauses.
If any form of diving is such a dangerous activity (you rightly acknowledged that we can't breath water,) then you are a fool to participate in such dangerous activity. Like I said previously, get the experience, knowledge and training because it's clearly lacking.
Most technical fatalities result because of human error, health issues and poor planning.
PS: Please don't dive, you can't breath water and its an extremely dangerous sport.