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Ok to let DAN membership lapse while not diving?

Discussion in 'Dive Insurance' started by GirlonFire, Jul 31, 2020.

  1. dogbone

    dogbone Nassau Grouper

    # of Dives: 25 - 49
    Location: indiana
    154
    69
    28
    Nevermind, I just called them and found out it's annually... God that's cheap though...I had assumed it would be monthly, or at least quarterly...
     
    rhwestfall likes this.
  2. Barnaby'sDad

    Barnaby'sDad ScubaBoard Supporter ScubaBoard Supporter

    # of Dives: 25 - 49
    Location: Virginia
    656
    340
    63
    Thank you for the reminder. I just went in and renewed my membership.
     
  3. divinh

    divinh ScubaBoard Supporter ScubaBoard Supporter

    # of Dives: 100 - 199
    Location: San Francisco
    911
    434
    63
    I renewed the membership only part, since I don't expect to be able to dive anytime soon. I was told the insurance part can be added at any time.

    Isn't it better to donate some money to DAN, rather than renewing insurance, since some of the money probably goes to an insurance underwriter? (For the time being, if you want to support DAN and not need the insurance.)
     
  4. soonerwink

    soonerwink Manta Ray

    # of Dives: 1,000 - 2,499
    Location: Glenpool, Oklahoma, United States
    792
    173
    43
    I have always paid mine yearly. I have never noticed a monthly plan.
     
  5. soonerwink

    soonerwink Manta Ray

    # of Dives: 1,000 - 2,499
    Location: Glenpool, Oklahoma, United States
    792
    173
    43
    Yes, it is by far the cheapest insurance you can buy. If you ever need it though it will save you thousands.
     
  6. broncobowsher

    broncobowsher Solo Diver

    1,481
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    I consider it supporting an industry that is struggling right now. I can afford it, went ahead and renewed. My odds of having a claim when not diving are nearly none. But it still supports the organization for when I do dive again, better chance they will still be around.

    My local motorcycle club that I ride with has had one ride the first of the year. Everything else is canceled until about October now. I still renewed. I want to keep the club going so when we can there will still be a club to ride with in the future.

    With that said, if I was struggling with lost income. Screw them, I would need the money for myself.
     
    markmud likes this.
  7. divinh

    divinh ScubaBoard Supporter ScubaBoard Supporter

    # of Dives: 100 - 199
    Location: San Francisco
    911
    434
    63
    Would DAN be better off if instead of renewing with insurance, you take the insurance part and donate that directly to DAN? That way, DAN isn't spitting the money with an insurance underwriter?
     
  8. Altamira

    Altamira ScubaBoard Supporter ScubaBoard Supporter

    # of Dives: 200 - 499
    Location: Canyon Lake, TX
    1,820
    1,740
    113
    It may depend on whether your bank account is stronger than your memory. The older I get, I sometimes think "How did I forget to do (-------)? I would hate to find myself on the wrong side of a diving accident, and then realize "Oh ****, I forgot to renew my DAN dive insurance. Having DAN auto-renew, if a pop-up dive opportunity arises, I just have to grab my gear and hopefully not have to even think about DAN during the dive adventure.
     
    Esprise Me likes this.
  9. broncobowsher

    broncobowsher Solo Diver

    1,481
    966
    113
    The few people that would look for this would cost more in admirative costs then the savings would cover, not to mention adding to the confusion later when you are current with DAN but selected the non-insurance version. Too much room for too much stuff to be screwed up without are real gains.
     
  10. living4experiences

    living4experiences ScubaBoard Sponsor ScubaBoard Sponsor

    # of Dives: 200 - 499
    Location: Tigard, Oregon
    34
    36
    18
    The membership by itself it only $35, which I've kept. For the membership fee, at least you get the magazine. Since I'm not diving for quite awhile, I cancelled my dive insurance with DAN and they gave me a prorated refund, and I can add it back on at any time in the future. I chose to not let the insurance company benefit from my premium dollars and, instead, I've donated it to The Turtle Hospital in Marathon, Florida.
     
    divinh likes this.

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