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Showing posts with label dive insurance. Show all posts
Showing posts with label dive insurance. Show all posts

Friday, September 28, 2012

Diving with a buddy - are you liable if anything goes wrong?

Thanks to:::
Andrew Tonge is qualified as a Solicitor and a Barrister. He has been practising law for over 15 years. He is also a PADI Instructor, experienced technical diver and a director at Odyssey Dive Centre Limited, based in Stockport and Wigan. Andrew can be contacted at Nexus Solicitors, Manchester, where he is a partner.

Diving with a buddy is one of the best ways of exploring the underwater water world. No instructors, no knowledge reviews. Just diving!

For most of us, our buddy is a close friend and someone we trust. Someone we know to be a properly trained diver, someone who understands the way we dive. But year after year, divers, in buddy teams, get into difficulty. Year after year, many divers are seriously injured or killed at home in the UK and abroad.

So what happens in these cases? There is no dive school to point the finger at. No instructor or divemaster who was ‘in charge’. If anything happens to your buddy, who carries the can?

If you (or anyone else diving with you and your buddy) take certain steps either before or during or even after the dive, then the law sees that you have assumed responsibility and will impose a duty of care on you.

This means that the law expects you to behave in a particular way. In other words, you must act so as to make sure that you do what is required in any of the circumstances that arise on the dive so as not to harm those with you.

Whether and when the law imposes a duty on a dive buddy is a very complex area of law and it is easier than you think to find yourself on the hook.

For example, if you ‘lead the dive’ you may have assumed responsibility for the welfare of your buddy. This is not only where you are a more experienced or better qualified diver. This does not mean that everyone who ‘leads the way’ underwater becomes responsible in law for their buddies but it is easy to overstep the mark and become so.

Where, say, you are familiar with a wreck and your buddy isn’t, then the law is likely to require you to lead in a way that keeps your less-familiarised buddy safe. This may mean briefing him properly, possibly to the standard required of a wreck qualified dive leader, because in the eyes of the law, that is what you have said you will do.

It’s a little like a car driver, taking a friend for a ride in an articulated heavy goods vehicle. The driver must drive not simply like a car driver or ordinary road user, but as an HGV driver.

It is also very easy to fall foul of this legal conundrum in much less obvious circumstances. A buddy check means that you must do that buddy check as a reasonable diver would. As soon as you take the job on, you assume the duty of care. Maybe not for your buddy’s safety on the whole dive, but as far as checking his kit is concerned.

A loose weight pouch that drops out or a loose cylinder band, that should have been checked by you and which causes injury (or worse) to your buddy, will mean that you have not discharged your duty of care and may be liable in civil law to your buddy or his estate after death.

The same applies to everything you do, during and after the dive.The legal duties of care do not always end when the dive does.

If for example, you are unable to render assistance to your buddy because your alternate air source is not serviceable, then you may be liable for some or all of his injuries, because a reasonable buddy would have had kit that would have been useable by a buddy in trouble.

This is where the rules of diving as set out by organisations such as PADI would be used to assess whether you have behaved in the right way. The PADI diving rules are not the law, but the court, in deciding on how you should have behaved will look to the current reasonable practice of other divers and diver training agencies, in the same way as the court may look to the Highway Code.

Of course, whilst you may not, in certain circumstances, be obliged to attempt a rescue of your buddy, you may, by simply diving with your buddy have impliedly accepted that he can use your alternate air source or that you will dive in particular way (e.g. close enough for him to use your octo) so as not to put him at risk.

If you do attempt a rescue during the dive, or say administer first aid after the dive, you must of course do so, as the reasonable diver or first aider would do. To make the situation worse may leave you liable.

It is worth noting that simply being an instructor or divemaster does not in itself give rise to a duty of care towards the people you dive with, but it may be harder to guard against assuming a duty of care especially if those diving with you are less experienced and qualified than you,
They may be asking questions which you answer in a way that causes you to assume a duty, either in the answers you give, say on how to safely enter the water, or how to configure kit or which route to take to the wreck, right through to a need to closely supervise the divers in the water.
It may not be enough to simply state, at the waters edge, “…it’s every man for himself by the way!” Once a duty of care has been assumed it is legally very difficult to exclude or limit it in cases of personal injury or death resulting from the negligence (behaviour falling below the standard required) of the person with the duty.

The standard of the reasonable diver is an objective standard and is irrespective of a lack or training or expertise. To say that you were not qualified to lead a particular dive or give particular advice is not enough. And where you are better qualified and more experienced than the ordinary, reasonable diver, you may in certain cases be assessed against that higher standard.

In a world where legal action is commonplace and diving as a sport is expanding, with the growth of areas such as deep, mixed gas, technical diving, the dive buddy is taking on a responsibility that must be properly managed.

Check your insurance. Does it pay your legal fees if your buddy (or his relatives) sues you?
Get proper diver training. Dive with a recognised organisation such as a PADI Dive Centre and make sure that you and your buddy know what you are getting into. If you have any doubts, speak to a specialist solicitor.

Kathy Dowsett
www.kirkscubagear.com

Wednesday, February 23, 2011

10 Things to Check Before Your Next Dive Trip

Diver under the Salt Pier in Bonaire.Image via Wikipedia

Here are the Top Ten Things to Ask Your Dive Company Before You Book Your Trip with Them.


Remember the difference in price is often the difference in quality.



1. Is your dive equipment serviced by trained and certified technicians?


This may seem obvious, but worth checking. Make sure the servicing is performed as per the manufacturers’ recommendations. Common mistakes include reusing consumable items, trying to service the equipment without the proper training and leaving it too long between servicing.

2. Are they a member of a reputable and recognized training organization?

There are too many too mention here but the most common ones are SSI, PADI, CMAS, BSAC, TDI/SDI. This is important too ensure that they are kept up to date with the latest in training and procedures in case anything does go wrong.

3. How Many People are Diving at Once?


To truly enjoy your dive experience it is best to keep the numbers in the group as small as your can. This also reduces any impact that you may have on the environment, such as scaring away fish and stirring up the bottom.

4. What is the Ratio from Instructor to Student or Guide to Diver?


There are regulations covering the first point so numbers will vary under that amount, but it is best to ask before you go so you are not shocked. If you want a smaller group you may have to pay for it. Smaller amount of divers per guide allows for a much smoother and personal dive, allowing the dive to be tailored for what you expect to see on the dive.

5. Are they a member of a relevant local dive organization?


Like point 2 above this ensures that you have a operator that is involved and up to date with the latest guidelines or safety procedures for that region.

6. Do they support local or global efforts in conservation or research?

This gives you a great indication on the attitude of the dive company and makes sure you get great dive karma. Sustaining the marine environment shows the company is interested in the longevity of the local or global ecosystem and is doing their bit to contribute.

7. Do you have travel or dive insurance that gives you the coverage you need?

This will include all sorts of things that may happen that can throw your dive trip into disarray. These may include an illness, illness of a relative, travel agent or operator going bankrupt, weather related cancellations, flight cancellations.

8. What is the cancellation policy of the dive company?

Do they give full refunds for weather or other cancellations? Do they have an immediate no refund policy for cancellations or are they flexible?

9. Are the owners or managers going on their own trips?

Quality control to make sure that you have a great experience is often done with management teams that have a more hands on approach. By taking the time to experience the trip and meet the guests shows that they are going the extra mile to make sure you have the best experience possible.

10. How far is the boat/resort really away from the hotel?


Often people follow the old “we’re just 10 minutes away” story. Use Google Maps or other technologies to get a true picture of where you are in relation to the boat. Better still see if they can arrange transport for you to arrive at the boat on time and not have to lug dive gear around.

Thanks to New Horizon

Kathy Dowsett


www.kirkscubagear.com
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Wednesday, December 15, 2010

Scuba Diving Travel Insurance

Cueva TainaImage by Bolivar Sanchez via Flickr

Scuba diving is a form of simple but heart touching fun. It offers a great thrilling. But the fact is that one must be aware of the danger of the Scuba diving. Because of the fear and danger it has one must pay some attention and it requires some extra precaution to be taken. There are some others form of diving. We all know about the cavern or cave diving where one enters an underwater cave or cavern and in these areas there are a number of rough coral and rocks. If you don’t pay your attention there is the real possibility of getting cut. It is obvious that if the cut is severe enough then you may need will for stitches or possibly, a hospital stay.It will cause a great misery ans it is really unwanted. This may be very serious if anyone get injured in foreign countries. Because there is no one to help you. There may be a lack of hospital insurance and allowances may be very high.What can a person do at that stage? They must need a Scuba Diving travel insurance and it will help them to pay the fees and other cost very easily. Otherwise one may have to pay out of their own pocket.Their insurance will ensure their safety and will minimize the cost of accidents and dangers. One may think that his insurance money now is making a lot of benefit for them. Scuba diving travel insurance is not very much different from other travel insurance plans.It gives all the benefits to the clients at time of danger. Divers get injured most of the time and there are number of fatal accident every year.The insurance provides solid safety for the divers. Scuba diving insurance policies are made specially for the divers.Most of the divers take this insurance seriously.It is a great advantage for anything that is unexpected and that is to be faced.It is a matter of realism and the understanding that any hobby may bring a little bit of risk and injury as well.Many other form of sports have the same insurance policies.In most of the cases it act like a future deposit. It is a smarter way to face anything that is dangerous to health.You can have a simple policy for you.The best thing is to choose such policy that is easier to maintain.All you need is your prediction and vast vision.You have to be very realistic and always should be very careful about your ambitions.Hope,you will get a easier insurance plan that is best for you for Scuba diving and enjoy the Scuba diving with a free mind.

Thanks to Ronty Jhodes and the Dive Site Network

Kathy Dowsett

www.kirkscubagear.com
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rough coral