Here are the exclusions:
In addition to the specific exclusions contained in the policy,
this insurance does not apply to:
X) Any claim arising out of any occurrence in which the insured
knowingly permitted the uncertified student involved in the claim
to leave the immediate area during in-water instruction without
supervision and the attendance of an instructor or a certified
assistant.
Y) Any claim arising out of any occurrence in which the insured
left or permitted the uncertified student involved in the claim to be
unattended during in-water instruction and/or testing.
Z) Any claim arising out of any occurrence involving a
recreational training or supervisory dive conducted by an insured
that is planned for depths greater than 40 meters/130 feet;
planned with mandatory stage decompression (safety stops are
acceptable); or planned using gas mixes other than compressed
air, or enriched air unless all students are previously certified
divers or are participating in an open water diver course with an
enriched air training option.
This exclusion (Z) does not apply to any insured when Technical
Diving coverage is indicated on the insureds certificate of
insurance.
AA) Any claim arising out of any occurrence involving a
technical training or supervisory dive conducted by an insured
that is planned for depths greater than 80 meters/265 feet; or
planned using gas mixes other than compressed air, enriched air,
oxygen, or trimix.
BB) Any claim arising out of any occurrence in which the
insured failed to obtain a medical history form completed by the
student involved in the claim, prior to in-water instruction; and
in the case of a minor, the failure to have obtained the minors
parents or guardians signature on the medical history form.
Furthermore, this insurance does not apply if the medical history
form indicated any condition contrary to safe participation in diving
activities, and the insured failed to require the student to obtain
medical approval (based on a medical examination) by a licensed
physician, who is not the student, prior to in-water instruction.
CC) Any claim arising out of any occurrence during a training
dive in which the insured had not first obtained from the student
involved in the claim a signed release of liability/assumption of
risk form developed or approved by the certification organization
through which the training was offered; and in the case of
a minor, the failure to have obtained the minors parents or
guardians signature on the form.
DD) Any claim arising out of any occurrence during a technical
training dive in which the insured had not first obtained from
the student involved in the claim a signed release of liability/
assumption of risk form developed or approved by the certification
organization through which the technical training was offered,
specifically stating that the student acknowledges that the training
involves technical dive training.
EE) Any claim arising out of any occurrence involving scuba
instruction provided by the insured to a student under the age
of ten (10), except for courses taught in confined water (e.g.
swimming pools), which may be offered to anyone age eight (8)
and older.
FF) Any claim arising out of any occurrence involving instruction
in which the insured instructor and/or Dive Center/Resort
Operator has not maintained records for the purpose of recording
the progress of the student involved in the claim.
GG) Any claim arising out of any occurrence involving
instruction in which the insured instructor and/or Dive Center/
Resort Operator has not maintained records for the purpose of
evaluating the understanding of the instructional material by the
student involved in the claim.
HH) Any claim arising out of any occurrence involving instruction
in which the insured instructor and/or Dive Center/Resort
Operator has not retained all records relating to the individual
student involved in a claim, for a minimum of five (5) years.
II) Any claim arising out of any occurrence involving the
insureds conduct of an introductory experience program (any
program designed to introduce uncertified divers to recreational
scuba diving via a supervised, controlled open water dive
experience) that was not in accordance with Recreational Scuba
Training Council (RSTC) standards. This exclusion does not apply
to confined water-only experiences being conducted by properly
certified divemasters, assistant instructors and instructors.
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V&B claims in their advert that:
No general standards warranty, so coverage
is not subject to the insurance companys
interpretation of general training standards.*
Does the policy youre considering include the
following restrictions?
the Insured shall ensure that all diver training
activities comply at all times with current standards,
procedures and policies.
Would you find it fair to have an incidental
violation of any standard, procedure or policy
used as grounds by the insurance company to
void your insurance coverage after an accident?
The list of coverage exclusions in the PADIendorsed
insurance policy is clear and precise
there is no guessing about your policy.
