General Questions
 

  1. How do I register?
  2. How do I renew? (12 month membership)
  3. I have just renewed my membership, what will I receive?
  4. Where can I add personal information about family members covered by my Family Member insurance plan?
  5. How can I change my insurance plan without having to change the expiry date?
  6. I have an old insurance plan, how do I know what its equivalent is amongst the new plans?
  7. I have renewed my insurance plan even though my old plan has not expired yet; why can't I find anything in the MY DAN section?
  8. The DAN Europe corporate image has changed. What advantages / additional benefits shall I have?
  9. Why do prices change according the country?


Professional divers
 

  1. I am an instructor/ assistant instructor/ divemaster PADI Europe. What type of insurance plan is most suitable for me?  Where can I find information about the supplement to increase my liability coverage?
  2. I am an instructor/ assistant instructor/ dive guide. Do you inform my training agency  directly about my DAN membership ?
  3. Is it true that being a dive instructor with a DAN Pro membership plan means that my students are automatically insured? Do I have to insure them separately with a Dive Student membership?
  4. How can I add personal information about students covered by my Pro insurance plan?
  5. Is the student coverage included in Pro Member Plans also valid abroad?
  6. I am a dive instructor/divemaster. Can I join DAN with a Sport membership?
  7. How can I change my insurance plan from a Pro Bronze or Pro SIlver to a Pro Bronze Deluxe or Pro Silver Deluxe?
  8. I am a professional diver and work/live abroad. 
Is there any limitation concerning my non-diving and travel coverages?
  9. Is my DAN Europe subscription valid in the USA and Canada?


Diving schools, Diving Centres and Diving Clubs

 

  1. I am a Club Member, do I have to register staff members?
  2. Can an incorporated association become a Club Member?

 

Insurance

 

  1. Where can I find the insurance terms and conditions?
  2. Am I insured for loss or theft of my dive equipment while travelling and at the holiday destination?
  3. What kind of non-diving travel insurance coverage do I get as a DAN member?
  4. What are the conditions for the new Family Plans?
  5. Do the new insurance policies have provisions for depth limitations?
  6. What does Recreational Diving stand for?
  7. What does Technical Diving stand for?
  8. Will DAN Europe apply any health related cover exclusions if there is a pre-existing medical condition? Do I need to submit a fit-to-dive certificate?
  9. Is there an age limit for becoming a DAN Member?
  10. Can I cancel the insurance contract if I am not satisfied with it?
  11. Is my DAN Europe subscription valid in the USA and Canada?

____________________________________________________________________________________________


General Questions

 

1 - How do I register? (TOP)
 

To register:

  • Click on “SUBSCRIBE or RENEW” on the Home Page or on the pages describing INSURANCE PLANS.
  • Enter your personal information
  • Select the desired plan
  • Select preferred method of payment

PDF GUIDE

 

2 - How do I renew? (12 month membership) (TOP)


Before renewing, consult the new insurance plans and select the appropriate one for you.

 

If your membership with DAN has already expired:

  • Click on “SUBSCRIBE or RENEW” on the Home Page or on the pages describing INSURANCE PLANS.
  • Enter your DAN ID (the first six figures of your DAN number) and your password
  • This will open a page summarizing your personal information.  Click on “Subscribe /Renew” 
  • Select one of our new plans (to find out which one resembles your old plan, click here)
  • Select preferred payment method

If your membership with DAN is about to expire:

  • Access your MY DAN, by entering your DAN ID and password
  • Click on “Insurance”
  • Click on "Upgrade or renew your subscription"
  • This will open a page summarizing your personal information.  Click on “Subscribe /Renew”
  • Click on "Renew (12 months)"
  • Select one of our new plans (to find out which one resembles your old plan, click here)
  • Select preferred payment method

PDF GUIDE
 

3 - I have just renewed my membership, what will I receive? (TOP)

In just a few days following payment, at the address you gave us, you will receive your DAN card where you can find the numbers to call in case of emergency.
Always carry your DAN card with you! It's the size of a credit card and fits comfortably in your wallet. Do not forget that it can also be useful in case of a non diving emergency!

4 - Where can I add personal information about family members covered by my Family Member insurance plan? (TOP)
 

To enter the personal information of family members covered by your plan (Bronze, Silver or Gold):

  • Access your MY DAN, by entering your DAN ID and password
  • Click on “Insurance”
  • Click on “Additional covered”
  • Click on “Add and select a new user”
  • Enter your family members' personal information

PDF GUIDE
 

5 - How can I change my insurance plan without having to change the expiry date? (TOP)

To change the type of plan:

  • Access MY DAN by entering your DAN ID and password
  • Click on “Insurance”
  • Click on “Upgrade your subscription”
  • This will open a page summarizing your personal information.  Click on “Subscribe”  
  • Select the desired plan
  • Select a method of payment

We would like to remind you that you can only upgrade your insurance plan (i.e. from Sport Silver to Sport Gold).
PDF GUIDE


6 - I have an old insurance plan, how do I know what its equivalent is among the new plans? (TOP)

SPORT DIVER
If you had a:

PROFESSIONAL DIVER
If you had a:

DIVING SCHOOL, DIVING CENTRE OR DIVING CLUB
If you had a:

7 - I have renewed my insurance plan even though my old plan has not expired yet; why can't I find anything in MY DAN area?
 (TOP)

The insurance functions of the MY DAN section are activated only on the effective date of your new insurance coverage. Therefore, until your new policy becomes effective, you cannot enter the names of your students, manage the list of your staff in case of club memberships or download the insurance certificate files and the general policy terms.

 

8 - The DAN Europe corporate image has changed. What advantage and additional benefits will I have?
 (TOP)

The website is now brand new and improved.  In your ”My DAN” area you will find information about your personal membership and benefits. You are able to view and print your policy schedule and the insurance terms and conditions at any time. Imagine, if you have to prove that you have a valid diving insurance cover, you simply access your ”My DAN” section online anywhere in the world and view and print your details as needed. You find a vast range of information about DAN Europe, membership, insurance, medicine, research, training, partner program, events, news, DAN TV, DAN shop and a lot more. 

 

9 - Why do prices change according to the country? (TOP)

 

Membership fees are the same for all countries. However, national taxes depend on the member's country of residence and have to be paid on the insurance premium and according to the national tax rate.


Professional divers

1 - I am an instructor/assistant instructor/divemaster PADI Europe. What type of insurance plan is most suitable for me?  Where can I find information on the supplement to increase my liability coverage? (TOP)

Starting this year the supplement is no longer required to extend the liability indemnity limits. If you are an instructor/assistant instructor/divemaster PADI Europe and PADI UK, choose one of our insurance plans Pro Bronze Deluxe, Pro Silver Deluxe or Pro Gold. In all three cases, the liability coverage is €  3.500.000, as required by your training agency.


2 - I am an instructor/assistant instructor/dive guide. Do you inform my training agency directly about my DAN membership? (TOP)

Yes, only if you request so. On the register/renew form you will find  a blank space to fill in. Please remember that DAN offers only a notification service and this does not replace the instructor's obligation to fulfill the contractual duties signed for at the time of certification.


3 - Is it true that being a dive instructor with a DAN Pro membership plan my students are automatically insured? Do I have to insure them separately with a Dive Student membership? (TOP)

 

Our professional plans include a diving accident insurance for a limited number of students (depending on the level Bronze, Silver or Gold) with an annual aggregate cover limit of €15.000. The professional member has to register his students individually on the DAN website in his “My DAN” area. When free covers expire you may purchase separate individual covers for your dive students.

 

4 - How can I add personal information of students covered by my Pro insurance plan? (TOP)

 

To enter the information of students covered by your Pro plan (Bronze, Silver or Gold):

  • Access your MY DAN by entering your DAN ID and password
  • Click on “Insurance”
  • Click on “Additional covered”
  • Click on “Add and select a new user”
  • Enter your student's personal information


 

5 - Is the student coverage included in Pro Member Plans also valid abroad?
 (TOP)

 

Yes. View details.

 

6 - I am a dive instructor/divemaster. Can I join DAN with a Sport membership?
 (TOP)

 

No, as an instructor/divemaster you need to choose one of our Pro membership plans in order to be fully covered when you dive with others.
PDF GUIDE

 

7 - How can I change my insurance plan from a Pro Bronze or Pro Silver to a Pro Bronze Deluxe or Pro Silver Deluxe?
 (TOP)

To change the type of plan:

  • Access MY DAN by entering your DAN ID and password
  • Click on “Insurance”
  • Click on “Upgrade your subscription”
  • This will open a page summarizing your personal information. Click on “Subscribe”  
  • Click on "Select a higher plan"
  • Select a method of payment

PDF GUIDE

8 - I am a professional diver and work/live abroad. 
Is there any limitation concerning my non-diving and travel coverages? (TOP)

The DAN Europe insurance coverages have a validity of 12 months. Coverage for diving emergencies has no other time limitations: dive anywhere in the world, anytime, and enjoy peace of mind with DAN!

Just bear in mind, however, that for the non-diving cover there is a maximum number of insured travelling days, starting when you leave your home country:

  • PRO Bronze: 60 days per journey / 120 days per year
  • PRO Silver: 90 days per journey / 120 days per year


Hence, if you work abroad for long periods, we strongly recommend you that you upgrade to the PRO Gold membership and check the benefits of your primary non-diving and travel cover with your health insurance provider.
 

9 - Is my DAN Europe subscription valid in the USA and Canada? (TOP)
Yes, the subscription to DAN Europe and the related medical coverage is valid worldwide including the USA and Canada. In the specific case of the Third Party Liability and Legal Expenses policy for professional divers, the coverage applies only if you are sued in a court or according to the laws of Countries within the DAN Europe territory. The insurance companies of DAN Europe are not authorized to offer liability coverage to residents or companies registered in the territories of USA and/or Canada.
Below are a few examples of how the liability coverage applies:

  • If you are in the USA or Canada for an instruction trip or to accompany European students/clients, you are covered only according to the policy terms and conditions and if you are sued in a court or according to the laws applying within the DAN Europe territory.  Here one has to consider the likelihood that the student or client would sue once back in Europe rather than in the USA or Canada
  • If you are in the USA or Canada to work for American and/or Canadian clients or employers, it is probable that you need a liability insurance coverage which is also valid if you are sued in an American or Canadian court of justice according to the local laws. It is recommendable to purchase Liability and Legal Expenses insurance coverage locally or contact DAN America for further information on the local requirements.
  • If an insured carries out professional activity in the USA or Canada not in compliance with the local immigration, employment or insurance laws, the insurance coverage might be invalidated or prejudiced in view of the illegality of the activity.


 

Diving schools, Diving Centres and Diving Clubs

1 - I am a Club Member, do I have to register staff members?  (TOP)

Yes, in order for the insurance coverage to be effective, personal information about staff members must be provided.

 

This is how you can do it:

  • Access the MY DAN section by entering your DAN ID (the first six figures of your DAN number indicated on your Club card) and password
  • Click on “Insurance”
  • Click on “Additional covered”
  • Click on “Add and select a new user”
  • Enter the personal information about your staff members

PDF GUIDE
 

2 - Can an incorporated association become a club member?  (TOP)

 

Yes, as long as it is a legal body. 


Insurance

1 - Where can I find the insurance terms and conditions?  (TOP)

Insurance policies are available for download on the insurance pages of our website and on the MyDAN section.
 

2 - Am I insured for loss or theft of my dive equipment while travelling and at the holiday destination?  (TOP)

No. However, most of our plans cover loss or damage of own or rescuers' diving equipment in the event of a diving emergency.
 

3 - What kind of non-diving travel insurance coverage do I get as a DAN member?  (TOP)

All our insurance plans have non-diving related medical emergency and travel assistance covers. View details here.
 

4 - What are the conditions for the new Family Plans?  (TOP)

The Family plan includes you and your married or common-law partner and up to two children. They must live at the same residence and be under 25 years old.

5 - Do the new insurance policies have provisions for depth limitations?  (TOP)

The Sport Bronze plan has a depth limitation of 40 meter maximum for compressed air and nitrox . Other plans do not have any depth limitation.
 

6 - What does Recreational Diving stand for?   (TOP)

Recreational Diving means all snorkelling, and recreational Diving Activities carried out  by the Insured, with or without breathing apparatus, whether as a student or not, including:


• Compressed air diving in any form


• Enriched air “Nitrox” diving with fixed percentages with an open circuit or a “rebreather”


• The use of oxygen enriched air or of oxygen to maximize decompression safety


• The use of normoxic “Trimix” mixtures at depths less than 50m to minimize the narcotic effects of compressed air. 
 

7 - What does Technical Diving stand for?   (TOP)

Technical Diving means dives conducted with the use of variable gas mixtures (Nitrogen-Helium-Oxygen otherwise called Trimix or Helium – Oxygen otherwise called Heliox) up to depths not exceeding 130 meters. Technical Diving is carried out using medically recommended gas partial pressures of 1,4 ATA Oxygen or up to a maximum of 1,6ATA Oxygen and 3,95ATA Nitrogen in the breathing mixture. On written submission of a full dive profile and proposed safety and support measures insurers may consider providing specific per dive insurance for any dive exceeding 130 meters.
 

8 - Will DAN Europe apply any health related cover exclusions if there is a pre-existing medical condition? Do I need to submit a fit-to-dive certificate?   (TOP)

Like in any other insurance coverage, pre-existing medical conditions are always excluded unless accepted by the insurer. You can submit a medical referral to medicalreferrals@deib.eu
 

9 - Is there an age limit to become a DAN Member?   (TOP)

No, however for divers older than 75 we require a FTD (Fit To Dive) certificate. You can send it to medicalreferrals@deib.eu
 

10 - Can I cancel the insurance contract if I am not satisfied with it?  (TOP)

If having purchased this insurance you decide that it does not meet your requirements please return this policy within 14 days from the Date of Issue. Provided that no claim has been made and you have not travelled and/or dived the premium will be fully refunded.


11 - Is my DAN Europe subscription valid in the USA and Canada? (TOP)
Yes, the subscription to DAN Europe and the related medical coverage is valid worldwide including the USA and Canada. In the specific case of the Third Party Liability and Legal Expenses policy for recreational divers, the coverage applies only if you are sued in a court or according to the laws of Countries within the DAN Europe territory. The insurance companies of DAN Europe are not authorized to offer liability coverage to residents or companies registered in the territories of USA and/or Canada.