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Daily Insurance Industry News
Thursday 20th of September 2018
July 12, 2005

Lloyds refuses diving claim

by Brian Turner

Story link: Lloyds refuses diving claim

A British scuba diver who fell victim to decompression sickness, also known as the bends, while diving on vacation in Egypt has been denied his insurance claim by Lloyds TSB.

The insurer’s position is that the man exceeded the depth provision written into his policy, that this is what caused his illness, and that they therefore are not required to pay his claim.

Lloyds claims that the tour company the man was diving with certified that he dived to 49.5 meters immediately before becoming ill, much deeper than the 30 meters stipulated in his policy, and that medical personnel also confirmed that the man’s illness is directly related to the depth to which he dived.

The man’s sons maintain that doctors told them their father’s illness had to do with dehydration rather than depth. They also said that their father, who has a great deal of experience as a diver, most probably did not know of the depth limitation of the policy.

Additionally, the diver’s partner was upset that Lloyds rejected the man’s claim immediately, while Lloyds said they stood ready to reassess their ruling should any further evidence become available.

The man now faces a £4,000 medical bill.

 

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