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	<title>thoughtstuff &#124; Tom Morgan</title>
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	<description>thoughtstuff.co.uk &#124; Tom Morgan &#124; Norwich</description>
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		<title>Busylight Lync SDK Released! (inc. code samples)</title>
		<link>http://thoughtstuff.co.uk/2013/05/busylight-lync-sdk-released-inc-code-samples/</link>
		<comments>http://thoughtstuff.co.uk/2013/05/busylight-lync-sdk-released-inc-code-samples/#comments</comments>
		<pubDate>Sat, 18 May 2013 14:11:20 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[Microsoft Lync]]></category>
		<category><![CDATA[busylight]]></category>
		<category><![CDATA[lync]]></category>

		<guid isPermaLink="false">http://thoughtstuff.co.uk/?p=1980</guid>
		<description><![CDATA[With the new SDK, you can use the Busylight as a system status alert for SCOM, Twitter, CI Builds &#8211; whatever you want! A while ago, I blogged about how you could use the DLL that came with the Busylight to create your own colours and control it from within your application. The Busylight is [...]]]></description>
				<content:encoded><![CDATA[<h2>With the new SDK, you can use the Busylight as a system status alert for SCOM, Twitter, CI Builds &#8211; whatever you want!</h2>
<p><img class=" wp-image-1995 alignleft" alt="busylight" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/05/busylight.jpg" width="201" height="420" />A while ago, <a title="Hacking the Busylight" href="http://thoughtstuff.co.uk/2012/09/hacking-the-busylight/">I blogged</a> about how you could use the DLL that came with the Busylight to create your own colours and control it from within your application.</p>
<p>The Busylight is a USB device with a speaker and light. It&#8217;s designed to show your presence from Microsoft Lync and other UC applications in a more visual way. In open plan offices, it&#8217;s a good way of signalling that you&#8217;re on a call and don&#8217;t want to be disturbed. There&#8217;s a <a rel="nofollow" target="_blank" href="http://www.hanselman.com/blog/IsDaddyOnACallABusyLightPresenceIndicatorForLyncForMyHomeOffice.aspx" target="_blank">good write-up by Scott Hanselman</a> about it.</p>
<p>When I blogged this before, I used the DLL that came with the stock application to control some of the functionality of the Busylight, and I moaned about the lack of an SDK. At the time, Morten Ostergaard, a Partner at <a rel="nofollow" target="_blank" href="http://www.plenom.com/" target="_blank" rel="nofollow">Plenom a/s</a> (the people behind Busylight) made contact, gave me some hints and tips, and confirmed that an SDK would be coming for Busylight.</p>
<p>Well, it&#8217;s arrived! The official SDK from Busylight is now available, via their Developer section at <a rel="nofollow" target="_blank" href="http://www.busylight.com/develop" target="_blank" rel="&quot;nofollow">http://www.busylight.com/develop</a>.</p>
<p>When I last looked at the DLL that came with the Busylight, it was possible to get it to display colours on demand, but it wasn&#8217;t particuarly simple, and it was a bit too hacky to be used comfortably in a production environment. However, the SDK has made it really simple to control the Busylight, which makes it ideal for hundreds of use cases outside of the standard Lync presence reporting.</p>
<h1>Get the SDK</h1>
<div class='et-box et-info'>
					<div class='et-box-content'><p>Important: The download page only talks about the Busylight UC SDK, not the Busylight Lync SDK. That&#8217;s OK though - <strong>you can use the same SDK with the Busylight Lync</strong>. You just need to call a different constructor (see the code samples below).</p></div></div>
<p><a rel="nofollow" target="_blank" href="http://www.busylight.com/develop" target="_blank" style="font-size:x-large"></p>
<p style="text-align: center;">Download the Busylight SDK</p>
<p></a></p>
<p style="text-align: left;">In the examples below I created a new Console Application in Visual Studio. You can do this if you want to follow along. Either way, add a reference to<strong> Busylight.Sdk.dll</strong> which is included in the download.</p>
<p><img class="aligncenter size-full wp-image-1991" alt="Busylight-References" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/05/Busylight-References.png" width="398" height="337" /></p>
<h1>Busylight UC vs. Busylight Lync</h1>
<p>The SDK works with both Busylight UC and Busylight Lync, although the website only talks about the Busylight UC. The default constructor for the BusylightController in the SDK will work the Busylight UC only.</p>
<p>In order to use the SDK with the Busylight Lync you need to use the overloaded version of the constructor, which takes 2 integers for the VID and PID. The values to use for the Busylight Lync device are:</p>
<p><strong>VID: 1240</strong><br />
<strong>PID: 63560</strong></p>
<p>All the samples below are for Busylight Lync, but if you have a Busylight UC, just remove the parameters, and you should be fine.</p>
<h1>Lighting Up</h1>
<p>Here&#8217;s how simple Plenom have made it to control the Busylight from your application:</p>
<p><script src="https://gist.github.com/tomorgan/5604123.js"></script></p>
<p>There&#8217;s a choice of 4 colours: Red, Blue, Green and Yellow. I found that if you set the light, it will stay on for about 10 seconds before turning off. If that&#8217;s too long, you can call <em>Light()</em> with the color enumeration <em>Off</em>.</p>
<p>In the future, it would be cool to be able to specify custom colour combinations, maybe using RGB values, to allow for a range of different colours.</p>
<h1>Pulse It</h1>
<p>As well as just displaying a light colour, you can also draw attraction by altering the opacity of the light, to create a pulsating effect:</p>
<p><script src="https://gist.github.com/tomorgan/5604142.js"></script></p>
<p>The SDK allows you to specify a colour, and up to 8 steps. Each step property is a tinyint (0-255) representing the opacitiy of the light. 0 is off, 255 is full brightness. The steps are executed in order, very quickly (I would say about 250 milliseconds between them). The example above gives a sort of fade in and fade out effect.</p>
<p>Each sequence is executed in full 7 times, before the light turns off.</p>
<p>You can also use this to save yourself writing loop code, if you want to show a flashing light. Just set each odd step at zero and each even step at 255. It turns out looking like this:</p>
<p><iframe width="560" height="315" src="http://www.youtube.com/embed/iFldVoIbrpE" frameborder="0" allowfullscreen></iframe></p>
<h1>Light and Sound</h1>
<p>One of the big things I couldn&#8217;t work out how to do before the SDK was sound. It&#8217;s included in this SDK however, as part of the Alert() method:</p>
<p><script src="https://gist.github.com/tomorgan/5604164.js"></script></p>
<p>There&#8217;s a choice of 8 different sound clips and 4 different volume settings.</p>
<p>I noticed that when using the Alert() method, the alert never seemed to stop. The light would turn off after about 10 seconds, but the sound continued. I waited 3 minutes for it to stop, and ended up unplugging it to get it to shut up!</p>
<p>However, calling Light() will stop the sound. I use this trick in the code sample to cancel the sound after 10 seconds.</p>
<p>There&#8217;s also a method called AlertAndReturn(), but I couldn&#8217;t work out what this did differently from Alert(), apart from always using a blue light regardless of what you chose.</p>
<h1>Conclusion</h1>
<p>Plenom have made it really simple to integrate use of the Busylight into your own applications. Building a simple hardware notification to react to events such as system errors, or notifications is usually either expensive or complicated. However, the Busylight is an inexpensive and simple solution and you won&#8217;t have to spend ages putting it together.</p>
<p>To take just one example: Continuous Integration server build notifications. There are many <a rel="nofollow" target="_blank" href="http://ultimatewallboard.com/entries/89343" target="_blank">ingenious</a> <a rel="nofollow" target="_blank" href="http://ultimatewallboard.com/entries/90903" target="_blank">and</a> <a rel="nofollow" target="_blank" href="http://ultimatewallboard.com/entries/90503" target="_blank">cool</a> <a rel="nofollow" target="_blank" href="http://www.unlimitednovelty.com/2010/10/how-to-make-cheap-ci-traffic-light.html" target="_blank">solutions</a> out there, but sometimes you don&#8217;t have time, and just want something that works. I reckon I could hook this into TFS in less than a day. If I get time to try it, I&#8217;ll post up the code.</p>
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		<title>Lync CWEs &#8211; a Technical Introduction</title>
		<link>http://thoughtstuff.co.uk/2013/05/lync-cwes-a-technical-introduction/</link>
		<comments>http://thoughtstuff.co.uk/2013/05/lync-cwes-a-technical-introduction/#comments</comments>
		<pubDate>Wed, 08 May 2013 15:30:09 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[Microsoft Lync]]></category>
		<category><![CDATA[cwe]]></category>
		<category><![CDATA[lync]]></category>

		<guid isPermaLink="false">http://thoughtstuff.co.uk/?p=1975</guid>
		<description><![CDATA[Microsoft Lync CWEs &#8211; Conversation Window Extensions &#8211; are one of the key tools in the Lync developer&#8217;s toolkit, but when and how you can use them takes a little bit of understanding. What are they? At its simplest, a CWE is just a webpage browser, part of the Lync client and displayed to the user [...]]]></description>
				<content:encoded><![CDATA[<p>Microsoft Lync CWEs &#8211; Conversation Window Extensions &#8211; are one of the key tools in the Lync developer&#8217;s toolkit, but when and how you can use them takes a little bit of understanding.</p>
<h1>What are they?</h1>
<p>At its simplest, a CWE is just a webpage browser, part of the Lync client and displayed to the user as a extension of their chat window. There&#8217;s no chrome (no windows, buttons, menus etc.) but content is rendered the same as in Internet Explorer, and some shortcut keys, such as Alt+arrow continue to work.</p>
<p>You can load whatever you want in a CWE, as long as you think it will render. For instance, I could choose to show this site as a CWE:</p>
<p><img class="aligncenter size-full wp-image-1979" alt="ThoughtStuffCWE" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/05/ThoughtStuffCWE.png" width="960" height="512" /></p>
<p>As a user, I can open this anytime I want to using the <em>More Options</em> ellipses in the bottom-right corner of the chat window.</p>
<h1>Integration</h1>
<p>There&#8217;s two advantages CWEs have over regular webpages though, which really open up possibilities for developers:</p>
<ul>
<li>CWEs can be invoked from code to open on a client&#8217;s machine automatically</li>
<li>CWEs can communicate with the Lync system, to read information about the Lync session, or to send information to other applications</li>
</ul>
<p>Let&#8217;s take each of these and break them down.</p>
<h2>CWEs can be invoked from code to open on a client&#8217;s machine automatically</h2>
<p>As an application developer, creating applications using either the Lync Client SDK or UCMA, when your application is in conversation with a user, you can &#8220;invoke&#8221; a CWE to appear on their client. You do this by sending a special code through to the client (which the user doesn&#8217;t see), which pops open the window. This is useful if, for instance, your application is telling the user about a recent sales order &#8211; it would be useful to open a webpage showing the order and related information.</p>
<p>As you might imagine, there are some security prerequisites to this (wecan&#8217;t have people opening windows everywhere on other people&#8217;s machines &#8211; this isn&#8217;t the 90&#8242;s!), but if you&#8217;ve prepared the way you can create some really nice experiences for your user this way, by giving them rich additional content to support whatever other information you were providing them.</p>
<h2>CWEs can communicate with the Lync system, to read information about the Lync session, or to send information to other applications</h2>
<p>As well as just opening the CWEs, there&#8217;s a clever way your application can communicate with Lync, which opens up a number of exciting possibilities.</p>
<p>The CWE window supports the use of Silverlight. As part of the Lync Client SDK, Microsoft provide Silverlight DLLs for Lync development. This means that you can write a Silverlight application which uses the Lync DLLs and which therefore can talk to Lync.</p>
<p>Why would you want to do this? Well, to take the sales example from earlier, rather than just showing a webpage with sales data, you might want to write a Silverlight application which showed the data, but targeted for the user that was looking at it. You might also want to show the Lync presence of other key people involved in the sale, making it easy for the user to contact them. You can also integrate the process of contacting people deep within your application, making it more intuitive &#8211; the user doesn&#8217;t feel like they are switching over to Lync to call someone, they&#8217;re doing it from within your application.</p>
<p>Microsoft have released <a rel="nofollow" target="_blank" title="Microsoft Lync’s Development Secret: it’s easy!" href="http://thoughtstuff.co.uk/2012/05/microsoft-lyncs-development-secret-its-easy/" target="_blank">a load of Silverlight controls</a> which you can embed into your CWE applications. There&#8217;s an example on MSDN of<a href="http://code.msdn.microsoft.com/lync/Lync-2013-Add-ContactCard-6e41ffdf" target="_blank"> adding a ContactCard into a Silverlight application to display contact information</a>. Or, if you want to write your own, just grab a reference to the Lync client in code and have a play &#8211; the Intellisense is a good way of discovering what you can do. Start with:</p>
<p>Other applications can also talk to your CWE, via the <strong>Context Channel</strong>. This is a like a hidden pipe through which applications can trade data. If you&#8217;ve written an application in UCMA which contacts a user and opens a CWE, then the UCMA application and the CWE application talk to each other, without the client being aware. This unlocks some pretty powerful abilities, as it makes your CWE webpage or Silverlight application &#8220;come alive&#8221; by being able to react to events. An example would be a chess game, where you play against the computer (a UCMA application). The application would open a CWE window with a Silverlight application containing a chess board. When you make a move, this is sent over the context channel to the UCMA application. When the UCMA application has worked out its next move, it sends that back over the context channel, and the CWE application updates. of course, this communication could also be between two CWE clients, or between multiple CWE clients and a UCMA application etc. There&#8217;s a really nice code sample on MSDN showing how to send and receive context. It&#8217;s written for Lync 2010, but it should work fine in 2013: <a rel="nofollow" target="_blank" href="http://msdn.microsoft.com/en-us/library/lync/hh228144(v=office.14).aspx" target="_blank">Using Lync Controls to Send Contextual Data</a>.</p>
<h1>Security</h1>
<p>CWEs can perform powerful functions, such as opening on remote command, and sending data silently, so there are some tight rules about how they operate. I think this is why people find them confusing &#8211; it&#8217;s often not clear why they don&#8217;t work &#8211; but it&#8217;s usually security related! <img class="alignright  wp-image-1210" alt="ContextNotSupported15" src="http://thoughtstuff.co.uk/wp-content/uploads/2012/08/ContextNotSupported15.png" width="302" height="302" /> First, in order for any CWE to be opened, either by the user locally, or by an application remotely, it must be <strong>registered</strong>. This is done via a registry entry. The registry entry contains the name of the application, its URL and a unique GUID to identify it. This must be in place before you attempt to open a CWE on a user&#8217;s machine via code. The command to open a CWE doesn&#8217;t take the name, or the URL of the CWE &#8211; it takes the unique GUID. This is then sent to the client. If the client recognises it in the registry, then it opens the stored value of the URL. If it doesn&#8217;t recognise it, you see the &#8220;Context is not support&#8221; error in the Lync client. This means that the client doesn&#8217;t have a match for the GUID you&#8217;ve just sent it. The registry settings are keyed by the GUID of your application, and contain a friendly name, a size, and two URLs &#8211; for internal and external access. This allows you to specify an intranet URL if you want to serve a different version of the application to internal users (versus those that arrive via your Edge Server):</p>
<p>If opening a URL is all you want to do, then you don&#8217;t need to do any more work. However, if your application needs to establish communication with the Lync client (using the Silverlight DLLs) then the application also needs to be <strong>trusted</strong>. In Lync 2013, this means adding the domain the site is running at into a special registry key, the Lync Trusted Sites key. (in Lync 2010, this key didn&#8217;t exist &#8211; sites had to be trusted in Internet Explorer by placing them into the Trusted Zone). If you fail to do this, when your application first tries to use the Lync DLL, you&#8217;ll receive a <em>Client Not Trusted</em> Exception:</p>
<p>(for more on trusted sites, <a href="http://thoughtstuff.co.uk/2012/07/problem-loading-conversation-window-extensions-in-lync-2013/" target="_blank">see blog post here</a>.)</p>
<h1> Conclusion</h1>
<DIV style='	font-style: italic;
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					line-height: 1.75em; border-right: solid 5px #000;  font-size:1.5em; '>&#8220;CWEs are a great way for developers to extend the functionality of Lync to their users. &#8221;<span style="float:right; padding: 5px 10px;"><a href="https://twitter.com/share" class="twitter-share-button" data-text="&#34;CWEs are a great way for developers to extend the functionality of Lync to their users.&#34;" data-via="tomorgan" data-size="small" data-count="none" >Tweet This</a></span><script>!function(d,s,id){var js,fjs=d.getElementsByTagName(s)[0];if(!d.getElementById(id)){js=d.createElement(s);js.id=id;js.src="//platform.twitter.com/widgets.js";fjs.parentNode.insertBefore(js,fjs);}}(document,"script","twitter-wjs");</script></DIV><p>CWEs are a great way for developers to extend the functionality of Lync to their users. Microsoft have done a good job of providing controls and tools to allow applications to communicate with the Lync client and react to events. They can also send data to other CWEs or to applications running UCMA, which allows for a powerfully integrated solution. Because of their power, there are some fidlly security rules to work with, but once you understand these, and what you need to do to satisfy them, you can be up and running creating CWEs to extend Lync in no time!</p>
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		<title>Scuba Diving Insurance &#8211; What to Look For, Who to Choose &amp; Why it&#8217;s Important</title>
		<link>http://thoughtstuff.co.uk/2013/04/scuba-diving-insurance-what-to-look-for-who-to-choose-why-its-important/</link>
		<comments>http://thoughtstuff.co.uk/2013/04/scuba-diving-insurance-what-to-look-for-who-to-choose-why-its-important/#comments</comments>
		<pubDate>Fri, 19 Apr 2013 07:24:33 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[Diving]]></category>
		<category><![CDATA[dan]]></category>
		<category><![CDATA[insurance]]></category>

		<guid isPermaLink="false">http://thoughtstuff.co.uk/?p=1614</guid>
		<description><![CDATA[This is a mega-post, so at each section I&#8217;ve provided links to all the other sections. I&#8217;ve also broken up some of the sections with picture, just to brighten it up a bit! Introduction &#8211; why it&#8217;s important to take diving insurance seriously, and the two different sorts of insurance providers What to look for [...]]]></description>
				<content:encoded><![CDATA[<p><a name="T1"></a>This is a mega-post, so at each section I&#8217;ve provided links to all the other sections. I&#8217;ve also broken up some of the sections with picture, just to brighten it up a bit!</p>
<ul>
<li><strong><a rel="nofollow" target="_blank" href="#T2">Introduction</a></strong> &#8211; why it&#8217;s important to take diving insurance seriously, and the two different sorts of insurance providers</li>
<li><strong><a rel="nofollow" target="_blank" href="#T3">What to look for</a></strong> &#8211; things I look for when choosing an insurance provider</li>
<li><strong><a rel="nofollow" target="_blank" href="#T4">Research on Insurance Choices</a></strong> &#8211; I asked some other divers what insurance they chose, and why. This is what they said</li>
<li><strong><a rel="nofollow" target="_blank" href="#T5">&#8220;Normal&#8221; &amp; &#8220;Adventure&#8221; Insurance Providers</a></strong> &#8211; A list of 27 non-specialist insurers, links to their policies and notes on their cover regarding scuba diving</li>
<li><strong><a rel="nofollow" target="_blank" href="#T6">Specialist Diving Insurers</a></strong> &#8211; A list of 5 specialist insurance companies, links to their policies and notes on their cover</li>
<li><strong><a rel="nofollow" target="_blank" href="#T7">Conclusion &amp; Recommendation</a></strong></li>
</ul>
<h1><a name="T2"></a>Introduction</h1>
<div class='et-learn-more clearfix'>
					<h3 class='heading-more'><span>Navigation Links</span></h3>
					<div class='learn-more-content'><a rel="nofollow" target="_blank" href="#T1">top</a> | <a rel="nofollow" target="_blank" href="#T2">intro</a> | <a rel="nofollow" target="_blank" href="#T3">what to look for</a> | <a rel="nofollow" target="_blank" href="#T4">research</a> | <a rel="nofollow" target="_blank" href="#T5">normal insurers</a> | <a rel="nofollow" target="_blank" href="#T6">specialist insurers</a> | <a rel="nofollow" target="_blank" href="#T7">conclusion</a></div>
				</div>
<p>You&#8217;ve booked your holiday, your once-in-a-long-time opportunity for some sun, some relaxation and, yes, some diving. You may even have &#8220;pushed the boat out&#8221; (badum tish) and plumped for a liveaboard. Maybe you&#8217;re going to Egypt, or perhaps somewhere further afield.<img class="aligncenter size-full wp-image-1865" alt="diving1" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/04/diving1.jpg" width="960" height="382" /></p>
<p>And now I want to talk to you about something much less interesting: <strong>your insurance</strong>. No, not in case your luggage gets diverted to Lithuania, or your airline goes bust (this happened to me!), I&#8217;m talking about your Diving Insurance. You know, in case bad things happen whilst you&#8217;re diving.</p>
<p>A lot of people don&#8217;t think about this, or don&#8217;t give it the attention (I think) it deserves. For a start us Brits are spoilt when it comes to healthcare. Thanks to the wonders of the NHS, our care is free at the point of delivery. Even if we do something silly like BMX into a bus, or yes, ascend too fast on a dive &#8211; the NHS will be there to care for us. And they won&#8217;t want a penny. This has made us complacent, cossetted in the belief that surely this sort of care is our unassailable right wherever we happen to find ourselves in the world. Well, the sun has set on the Empire, this is 2013 and unfortunately this just isn&#8217;t true.</p>
<p>Travel insurance has many parts to it, but one of those parts covers your <strong>medical assistance whilst abroad</strong>. If you&#8217;re in the EU then your EHIC may offer you some good assistance, but if you&#8217;re outside of the EU (and a lot of very good dive spots are outside the EU), then you need to know what your insurance will cover you for.</p>
<DIV style='	font-style: italic;
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					line-height: 1.75em; border-right: solid 5px #000;  font-size:1.5em; '>&#8220;Your insurer may want to know beforehand that you are planning on diving.&#8221;<span style="float:right; padding: 5px 10px;"><a href="https://twitter.com/share" class="twitter-share-button" data-text="&#34;Your insurer may want to know beforehand that you are planning on diving.&#34;" data-via="tomorgan" data-size="small" data-count="none" >Tweet This</a></span><script>!function(d,s,id){var js,fjs=d.getElementsByTagName(s)[0];if(!d.getElementById(id)){js=d.createElement(s);js.id=id;js.src="//platform.twitter.com/widgets.js";fjs.parentNode.insertBefore(js,fjs);}}(document,"script","twitter-wjs");</script></DIV><p>Here&#8217;s another thing: diving is seen as a hazardous activity. It&#8217;s an extreme sport. It&#8217;s a safe sport, far safer than many others, but it&#8217;s classed as a activity with increased risk due to the special conditions we divers choose to subject ourselves to. That affects your insurance, quite a lot in some cases. Your insurer may want to know beforehand that you are planning on diving. They may want to impose some restrictions or charge you a premium.</p>
<h2>The Price of Care</h2>
<p>Some people don&#8217;t get any insurance when they go diving abroad. That means that, should anything happen to them which requires medical assistance and this isn&#8217;t covered by anyone else (such as the NHS or a EHIC card) then they must foot the cost. What is this cost?</p>
<p>In Sharm el Sheikh, hyperbaric treatment costs around $750 per hour (<a rel="nofollow" target="_blank" href="http://www.sinaiscuba.com/travel-info/sharm-el-sheikh-z" target="_blank">source</a>). If you were to require 4 days of decompression therapy, 8 hours per day (which is not unreasonable) that comes to around $24,000, or around £15,500.</p>
<p>Note: the EHIC card (the European Health Insurance Card) which covers you for emergency healthcare in Europe and which is available free from the NHS, does <strong>NOT</strong> cover Egypt (or anywhere else not in Europe)!</p>
<p><img src="http://thoughtstuff.co.uk/wp-content/uploads/2013/04/chamber1.png" alt="chamber" width="960" height="388" class="aligncenter size-full wp-image-1956" /></p>
<h2>High Street Cover</h2>
<p>Many banks and building societies offer travel insurance as part of bank account packages. A lot of these also cover scuba diving.</p>
<p>My concern is that people don&#8217;t read the small print of their cover, not digging any deeper than &#8220;Scuba Diving Covered&#8221;. For a lot of these high-street providers, the scuba-diving is not the majority market, and therefore there is little incentive to offer the perfect cover for divers. The cover you receive may be lacking in several areas, including things you may have taken for granted.</p>
<p>Here&#8217;s an example&#8230; and the first disclaimer.<strong> I&#8217;m not a lawyer</strong>, or an insurance specialist. I am quoting from a policy, and you must make up your own mind what it means.</p>
<p>This is from the American Express Travel Insurance policy:</p>
<p><em>You are covered for: All reasonable and necessary expenses which arise as a result of a medical emergency (excluding search and rescue) involving you.</em></p>
<p>What is defined as &#8220;search and rescue&#8221;? What if you suffer an unsafe ascent away from the boat, and a search helicopter is dispatched to find you? What if you are taken by helicopter from the boat to the nearest hospital &#8211; is that &#8220;rescue&#8221;? I&#8217;m not picking on American Express, they aren&#8217;t the only one to exclude search and rescue, but it raises important questions in my mind &#8211; and this is an area where I don&#8217;t want to have unanswered important questions.</p>
<h2>Specialist Diving Insurers</h2>
<p>There are specialist diving insurers available. These are insurance companies set up specifically to cater for divers. They tend to understand the sort of concerns and questions diving should have, and cater for them accordingly.</p>
<p>The most surprising thing about these insurers is that they are not expensive, especially relative to the price of a holiday. I think the greatest barrier to people choosing these providers instead of their normal travel insurer is apathy: it&#8217;s another thing to research, another form to fill in, another bit of paperwork to deal with. Besides, nothing bad will happen to me, right? I&#8217;m on holiday!<img class="aligncenter size-full wp-image-1886" alt="helicoptor" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/04/helicoptor.jpg" width="960" height="363" /></p>
<h1><a name="T3"></a>What to Look For</h1>
<div class='et-learn-more clearfix'>
					<h3 class='heading-more'><span>Navigation Links</span></h3>
					<div class='learn-more-content'><a rel="nofollow" target="_blank" href="#T1">top</a> | <a rel="nofollow" target="_blank" href="#T2">intro</a> | <a rel="nofollow" target="_blank" href="#T3">what to look for</a> | <a rel="nofollow" target="_blank" href="#T4">research</a> | <a rel="nofollow" target="_blank" href="#T5">normal insurers</a> | <a rel="nofollow" target="_blank" href="#T6">specialist insurers</a> | <a rel="nofollow" target="_blank" href="#T7">conclusion</a></div>
				</div>
<p>Firstly, I&#8217;m not an expert. This is what I look for when comparing insurance cover. You should make sure you fully understand both the conditions and the exclusions of any policy you plan to rely on to cover your scuba-diving activities.</p>
<p>There are 4 main things I tend to look for in diving insurance. They are:</p>
<h2>Depths</h2>
<p>Fairly obvious one this, but insurers will tend to put a limit on how deep you can dive. This may either be a fixed depth or tied to your qualifications. It&#8217;s definitely worth checking the small print for these numbers as this would be the easiest way for you to invalidate your insurance.</p>
<p>Like lots of other aspects of diving, don&#8217;t push the limits. If you&#8217;re an Advanced Open Water Diver (qualified to 30M) planning on doing dives at or around the 18M mark, don&#8217;t choose insurance which sets an absolute limit at 18M (or even 20M). Things can happen, especially if you get into difficulties and it&#8217;s easy to sink down a few meters and invalidate yourself.</p>
<p>It&#8217;s also worth noting that in order to be covered for any scuba diving, a lot of companies insist that you inform them first that you are planning on going diving, and have this written into your policy schedule.</p>
<h2>Incidental/ Diving Holiday</h2>
<p>I wasn&#8217;t aware of this until I started looking, but some policies will only cover scuba diving if done on an &#8220;Incidental Basis&#8221;. Some policies state exactly what this means, some don&#8217;t. However, if you&#8217;re planning a holiday where you have pre-booked 5 days diving and hired equipment, I would suggest that isn&#8217;t diving on an incidental basis. If your policy states this I would recommend you get it clarified before you rely on it.</p>
<h2>Transportation Costs</h2>
<p>Should something happen whilst you are diving then the captain or dive crew may well elect to have you removed to the nearest decompression chamber as quickly as possible. This may very well include a helicopter ride. It&#8217;s worth clarifying with your insurer exactly who pays for this if you need it, because some policies explicitly exclude search and rescue costs from their policies.</p>
<p>Quite often the insurers will require &#8220;proof&#8221; from a qualified medical person before agreeing to cover costs. Here&#8217;s an example (it&#8217;s from the M&amp;S Money policy regarding travel cover) :</p>
<blockquote><p>&#8220;With the prior authorisation of the Emergency Assistance Service, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate you to your home if it is medically necessary. These expenses will be for the identical class of travel utilised on the outward journey unless the Emergency Assistance Service agree otherwise.&#8221;</p></blockquote>
<p>You need to consider where you are going, how remote your diving will be, how long it will take for the Emergency Assistance Service to decide on the appropriate course of action and inform your insurers. There is evidence that <a rel="nofollow" target="_blank" href="http://www.hse.gov.uk/research/rrpdf/rr550.pdf" target="_blank">&#8220;early HBO (hyperbaric oxygen) treatment in divers with neurological DCI is associated with a better outcome&#8221;</a>. Whatever needs to happen, needs to happen quickly.</p>
<h2>Other Exclusions / Comments</h2>
<p>Some providers will not cover you if you dive using Nitrox (yes, really!). There may be other exclusions, limitations or restrictions as well, so read your policy carefully.</p>
<h1><a name="T4"></a>Research on Insurance Choices</h1>
<div class='et-learn-more clearfix'>
					<h3 class='heading-more'><span>Navigation Links</span></h3>
					<div class='learn-more-content'><a rel="nofollow" target="_blank" href="#T1">top</a> | <a rel="nofollow" target="_blank" href="#T2">intro</a> | <a rel="nofollow" target="_blank" href="#T3">what to look for</a> | <a rel="nofollow" target="_blank" href="#T4">research</a> | <a rel="nofollow" target="_blank" href="#T5">normal insurers</a> | <a rel="nofollow" target="_blank" href="#T6">specialist insurers</a> | <a rel="nofollow" target="_blank" href="#T7">conclusion</a></div>
				</div>
<p>I conducted some research amoungst divers to find out what diving insurance policies they chose. I also asked them what they thought that insurance covered, and how they would classify themselves as a diver.</p>
<p>By the way, you can still contribute to this research, if you&#8217;re a diver and haven&#8217;t yet submitted a result. <a href="http://thoughtstuff.co.uk/2012/12/scuba-diving-insurance-questionnaire/" target="_blank">Please fill in the super-simple survey here</a>. If I get a lot more responses I&#8217;ll be able to draw more conclusions about the choices people make.</p>
<h2>What Do The Professionals Buy?</h2>
<p><img class="aligncenter size-full wp-image-1905" alt="Pie1" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/04/Pie1.png" width="960" height="471" /></p>
<p>So, don&#8217;t just take my word for it!</p>
<p>There was also some evidence that people are purchasing non-specialist insurance but assuming that it covers them for a variety of emergency, diving-specific conditions. The numbers are too low to be conclusive but of the 10 responses who purchased &#8220;Ordinary Travel Insurance&#8221; or &#8220;Adventure/Extreme Sports Focused Insurance&#8221;, the following percentages thought that their insurance would cover:</p>
<p><img class="aligncenter size-full wp-image-1909" alt="chart" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/04/chart.png" width="958" height="557" /></p>
<h1><a name="T5"></a>&#8220;Normal&#8221; &amp; &#8220;Adventure&#8221; Insurance Providers</h1>
<p><img src="http://thoughtstuff.co.uk/wp-content/uploads/2013/04/CompanyList.jpg" alt="CompanyList" width="959" height="210" class="aligncenter size-full wp-image-1962" /><br />
<div class='et-learn-more clearfix'>
					<h3 class='heading-more'><span>Navigation Links</span></h3>
					<div class='learn-more-content'><a rel="nofollow" target="_blank" href="#T1">top</a> | <a rel="nofollow" target="_blank" href="#T2">intro</a> | <a rel="nofollow" target="_blank" href="#T3">what to look for</a> | <a rel="nofollow" target="_blank" href="#T4">research</a> | <a rel="nofollow" target="_blank" href="#T5">normal insurers</a> | <a rel="nofollow" target="_blank" href="#T6">specialist insurers</a> | <a rel="nofollow" target="_blank" href="#T7">conclusion</a></div>
				</div></p>
<p>I collated a list of some of the more popular High Street insurers, plus some Adventure Travel insurers. For each one I looked through the policy, searching for things to do with diving, such as maximum depths, or search &amp; rescue exclusion. I&#8217;ve included my notes below. If you use one of these providers have a check to make sure that the cover you think you&#8217;re receiving matches what&#8217;s in the policy.</p>
<p>There are 27 providers in this list, but there are many, many more out there. If I&#8217;ve missed your favourite one out, I do apologise. Drop me a note in the comments and I&#8217;ll do my best to add it to the list.</p>
<div class='et-box et-warning'>
					<div class='et-box-content'>This is NOT a definitive list, nor should be used as the basis of any decision as to your chosen provider.</p>
<p>It is intended to highlight the differences in policy between different providers. This is a list of several providers who offer different travel insurance products, based on data available between Q42012 and Q12013 . I&#8217;ve looked at their policies and very un-scientifically searched them for keywords such as &#8220;scuba&#8221;, &#8220;incidental&#8221;, &#8220;rescue&#8221; etc. before extracting specific sections. Therefore, you should fully read the policies carefully before making any decisions. It&#8217;s also possible I&#8217;ve left comments out which should be in there: let me know of any omissions and I&#8217;ll happily correct them, with apologies.</div></div>
<p>These providers are either &#8220;ordinary&#8221; insurance providers who also cover scuba diving, or providers aimed at adventure/extreme holidays.</p>
<h2>1 Stop Travel Insurance</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.1stoptravelinsurance.co.uk/policy-documents/1stop-policy-wording-v8-201208.pdf" target="_blank">http://www.1stoptravelinsurance.co.uk/policy-documents/1stop-policy-wording-v8-201208.pdf</a></p>
<h4>Depths</h4>
<p>Scuba diving* down to 30 metres if qualified and not diving alone or accompanied by a qualified instructor.</p>
<p>*Scuba diving &#8211; scuba diving to the following depths. Provided You are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving<br />
or training agency or organisation and not diving alone:</p>
<p>BSAC Ocean Diver &#8211; 20 metres<br />
BSAC Sports Diver &#8211; 30 metres**<br />
BSAC Dive Leader &#8211; 30 metres**<br />
PADI Open Water &#8211; 18 metres<br />
PADI Advanced Open Water &#8211; 30<br />
metres**<br />
PADI Dive Master – 30 metres**<br />
PADI Deep Dive Speciality – 30 metres**<br />
SSI Open Water Diver &#8211; 18 metres<br />
SSI Advanced Open Water &#8211; 30<br />
metres<br />
SSAC Sports Diver &#8211; 30 metres**<br />
SSAC Master Diver &#8211; 30 metres**<br />
**For the purpose of diving under sports and activities Grade 1. We must agree with any equivalent qualification. If You do not hold a qualification, We will only cover You to dive to a depth of 18 metres.</p>
<h4>Incidental/ Diving Holiday</h4>
<p>Cover only on an incidental basis</p>
<h4>Transportation Costs</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Other Exclusions / Comments</h4>
<p>You will not be covered under this policy if You travel by air within 24 hours of participating in scuba diving.</p>
<h2>24/7 Travel Insurance</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="https://www.247travelinsurance.co.uk/documents/247STAMT_PolicyWording(June201213).pdf" target="_blank">https://www.247travelinsurance.co.uk/documents/247STAMT_PolicyWording(June201213).pdf</a></p>
<h4>Depths</h4>
<p>Scuba Diving to 30m (if qualified or with qualified instructor &#8211; not solo), or</p>
<p>Scuba Diving to 40m (if qualified and with qualified instructor &#8211; not solo) with Premium, or</p>
<p>Solo Scuba Diving with Premium</p>
<h4>Incidental/ Diving Holiday</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Transportation Costs</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Other Exclusions / Comments</h4>
<p>&#8220;If you are admitted to a medical facility then you may need to pay the policy excess locally and ask the hospital or doctor to send the rest of their bills to[...] Our Medical Assistance Service will explain this procedure to them and provide them with a faxed guarantee if necessary, once the validity of your claim has been established.&#8221;</p>
<h2>The AA</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href=" http://www.theaa.com/resources/Documents/pdf/insurance/travel-insurance-policy-wording-13-09-12.pdf" target="_blank">http://www.theaa.com/resources/Documents/pdf/insurance/travel-insurance-policy-wording-13-09-12.pdf</a></p>
<h4>Depths</h4>
<p>Scuba diving* down to 30 metres if qualified and not diving alone or<br />
accompanied by a qualified instructor (see notes below)</p>
<p>*Scuba diving &#8211; scuba diving to the following depths. Provided you are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organisation and not diving alone:</p>
<p>BSAC Ocean Diver &#8211; 20 metres<br />
BSAC Sports Diver &#8211; 30 metres**<br />
BSAC Dive Leader &#8211; 30 metres**<br />
PADI Open Water &#8211; 18 metres<br />
SSI Open Water Diver &#8211; 18 metres<br />
SSI Advanced Open Water &#8211; 30 metres**<br />
SSAC Sports Diver &#8211; 30 metres**<br />
SSAC Master Diver &#8211; 30 metres**<br />
PADI Deep Dive Speciality – 30 metres**<br />
PADI Dive Master – 30 metres**<br />
PADI Advanced Open Water &#8211; 30 metres **<br />
**For the purpose of diving under sports and activities Grade 1. We must agree with any equivalent qualification. If you do not hold a qualification, we will only cover you to dive to a depth of 18 metres. You will not be covered under this policy if you travel by air within 24 hours of participating in scuba diving.</p>
<p>Additional Premium: Scuba diving*non incidental, down to 50m if qualified and not diving alone or accompanied by a qualified instructor (see notes below)</p>
<p>*Scuba diving &#8211; scuba diving to the following depths. Provided you are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organisation and not diving alone:</p>
<p>BSAC Ocean Diver – 20 metres<br />
BSAC Sports Diver – 35 metres**<br />
BSAC Dive Leader – 50 metres**<br />
PADI Open Water – 18 metres<br />
PADI Advanced Open Water – 30 metres**<br />
PADI Dive Master – 40 metres**<br />
PADI Deep Dive Speciality – 40 metres**<br />
SSI Open Water Diver – 18 metres<br />
SSI Advanced Open Water – 30 metres**<br />
SSAC Sports Diver – 35 metres**<br />
SSAC Master Diver – 50 metres**<br />
**For the purpose of diving under sports and activities Grade 2. We must agree with any equivalent qualification. If you do not hold a qualification, we will only cover you to dive to a depth of 18 metres.</p>
<h4>Incidental/ Diving Holiday</h4>
<p>Cover only on an incidental basis</p>
<h4>Transportation Costs</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Other Exclusions / Comments</h4>
<p>You will not be covered under this policy if you travel by air within 24 hours of participating in scuba diving.</p>
<h2>Allianz</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.allianz-assistance.co.uk/files/documents/terms/AGA%20Policy.pdf" target="_blank">http://www.allianz-assistance.co.uk/files/documents/terms/AGA%20Policy.pdf</a><a rel="nofollow" target="_blank" href="https://www.americanexpress.com/uk/personal/travel-insurance/pdfs/Essential_INS_144.pdf" target="_blank"><br />
</a></p>
<h4>Depths</h4>
<p>Scuba diving to a depth of 30 metres (if you hold a certificate of proficiency or you are diving with a qualified instructor),</p>
<h4>Incidental/ Diving Holiday</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Transportation Costs</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Other Exclusions / Comments</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h2>American Express</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="https://www.americanexpress.com/uk/personal/travel-insurance/pdfs/Essential_INS_144.pdf" target="_blank">https://www.americanexpress.com/uk/personal/travel-insurance/pdfs/Essential_INS_144.pdf</a></p>
<h4>Depths</h4>
<p>Scuba diving (unqualified and above 18 metres),</p>
<p>with Premium: Scuba diving (qualified and above 40 metres)</p>
<h4>Incidental/ Diving Holiday</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Transportation Costs</h4>
<p>You are covered for: All reasonable and necessary expenses which arise as a result of a medical emergency (excluding search and rescue) involving you.</p>
<p>Excluded: any costs for transportation and/or accommodation not arranged by us, or incurred without our prior approval.</p>
<p>Excluded: air-sea rescue costs.</p>
<h4>Other Exclusions / Comments</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h2>Atlas Direct</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.atlasdirect.co.uk/holiday-insurance/help/Policy_Wording_2011.pdf" target="_blank">http://www.atlasdirect.co.uk/holiday-insurance/help/Policy_Wording_2011.pdf</a></p>
<h4>Depths</h4>
<p>Scuba diving* down to 30 metres if qualified and not diving alone or accompanied by a qualified instructor.</p>
<p>*Scuba diving – scuba diving to the following depths. Provided You are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organisation and not diving alone:<br />
PADI Open Water – 18 metres<br />
PADI Advanced Open Water – 30<br />
metres**<br />
PADI Deep Dive Speciality – 30 metres**<br />
BSAC Ocean Diver – 20 metres<br />
BSAC Sports Diver – 30 metres**<br />
BSAC Dive Leader – 30 metres**<br />
SSI Open Water Diver – 18 metres**<br />
SSI Advanced Open Water – 30 metres**<br />
SSAC Sports Diver – 30 metres**<br />
**For the purpose of diving under sports and activities Grade 1.<br />
We must agree with any equivalent qualification. If You do not hold a qualification, We will only cover You to dive to a depth of 18 metres.</p>
<h4>Incidental/ Diving Holiday</h4>
<p>Cover only on an incidental basis</p>
<h4>Transportation Costs</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Other Exclusions / Comments</h4>
<p>You will not be covered under this policy if You travel by air within 24 hours of participating in scuba diving.</p>
<h2>Aviva</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.aviva.co.uk/static/library/pdfs/travel/NTRTG10145.pdf" target="_blank">http://www.aviva.co.uk/static/library/pdfs/travel/NTRTG10145.pdf</a></p>
<h4>Depths</h4>
<p>Scuba diving to a depth of 15 metres.</p>
<p>Scuba Diving up to 30 metres (with Premium)</p>
<h4>Incidental/ Diving Holiday</h4>
<p>There is no cover where the main purpose of your trip is to take part in a leisure activity. All cover incidental.</p>
<h4>Transportation Costs</h4>
<p>Emergency Medical and Associated Expenses and Abandonment sections are extended to cover you while scuba diving to the maximum depth for which you are qualified, but not more than 30 metres, providing you are accompanied by a qualified diving instructor or dive master.</p>
<h4>Other Exclusions / Comments</h4>
<p>&nbsp;</p>
<p>No cover under Personal Accident section, No cover under Personal Liability section, Organised through a licensed operator only. No cover for equipment under Baggage section 2. Maximum 5 dives per trip 3. Must be accompanied by qualified scuba diving instructor or dive master at all times 4. No professional, commercial or technical diving, including, but not limited to enriched air diving, tutor diving, ice diving, free diving, wreck, cave or cavern diving or solo diving.</p>
<p>Not covered:</p>
<p>Any claim as a result of scuba diving where:<br />
a) the claim is caused by you suffering from any medical condition which would normally prohibit you from diving<br />
b) you do not follow all diving safety warnings and guidelines<br />
c) you are undertaking professional, commercial or technical diving including, but not limited to, enriched air diving, tutor diving, ice diving, free diving, wreck diving, solo diving and cave or cavern diving<br />
d) you travel by air within 24 hours of completing a dive</p>
<h2>Barclays</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.barclays.co.uk/cs/Satellite?blobcol=urldata&amp;blobheadername1=Content-Type&amp;blobheadername2=Content-Disposition&amp;blobheadervalue1=application%2Fpdf&amp;blobheadervalue2=attachment%3B+filename%3DTravel+Policy+Wording+02-12.pdf&amp;blobkey=id&amp;blobtable=MungoBlobs&amp;blobwhere=1260064493160&amp;ssbinary=true" target="_blank">http://www.barclays.co.uk/cs/Satellite?blobcol=urldata&amp;blobheadername1=Content-Type&amp;blobheadername2=Content-Disposition&amp;blobheadervalue1=application%2Fpdf&amp;blobheadervalue2=attachment%3B+filename%3DTravel+Policy+Wording+02-12.pdf&amp;blobkey=id&amp;blobtable=MungoBlobs&amp;blobwhere=1260064493160&amp;ssbinary=true</a></p>
<h4>Depths</h4>
<p>Scuba Diving (down to 30m accompanied by a qualified diver or instructor)</p>
<h4>Incidental/ Diving Holiday</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Transportation Costs</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Other Exclusions / Comments</h4>
<p>NOT covered: Scuba Diving below 30m</p>
<h2>Bikini Travel Insurance</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.bikinisure.com/media/5753/bikini%20travel%20insurance%20-%20policy%20wording%2001.11.11%20-%2030.10.12.pdf" target="_blank">http://www.bikinisure.com/media/5753/bikini%20travel%20insurance%20-%20policy%20wording%2001.11.11%20-%2030.10.12.pdf</a></p>
<h4>Depths</h4>
<p>Scuba Diving to 30m</p>
<h4>Incidental/ Diving Holiday</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Transportation Costs</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Other Exclusions / Comments</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h2>Cheap Travel Insurance</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.cheaptravelinsurance.com/fsa/keyfacts-policy-wording.pdf" target="_blank">http://www.cheaptravelinsurance.com/fsa/keyfacts-policy-wording.pdf</a></p>
<h4>Depths</h4>
<p>Scuba diving to 30m (if you hold a certificate of proficiency or are diving with a qualified instructor)</p>
<h4>Incidental/ Diving Holiday</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Transportation Costs</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Other Exclusions / Comments</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h2>Churchill (Explorer Policy)</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.churchill.co.uk/pdf/CHT60_1211_WEB_PDF.pdf" target="_blank">http://www.churchill.co.uk/pdf/CHT60_1211_WEB_PDF.pdf</a></p>
<h4>Depths</h4>
<p>Scuba diving (to 18 metres)</p>
<h4>Incidental/ Diving Holiday</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Transportation Costs</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Other Exclusions / Comments</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h2>Columbus Direct</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.columbusdirect.com/PDFs/COL/COL_TC.pdf" target="_blank">http://www.columbusdirect.com/PDFs/COL/COL_TC.pdf</a></p>
<h4>Depths</h4>
<p>Scuba diving &#8211; Max. 30m, BUT <a rel="nofollow" target="_blank" href="http://www.columbusdirect.com/travel-insurance/adventure-travel-insurance/?default=true" target="_blank">website says 50m!</a></p>
<h4>Incidental/ Diving Holiday</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Transportation Costs</h4>
<p>There is no cover for Offshore Rescue (Offshoreeans beyond 15km from the shoreline) or Personal Liability</p>
<h4>Other Exclusions / Comments</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h2>Direct Line</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.directline.com/pdf/travel/single-trip-policy.pdf" target="_blank">http://www.directline.com/pdf/travel/single-trip-policy.pdf</a></p>
<h4>Depths</h4>
<p>Scuba diving (to 18 metres)</p>
<h4>Incidental/ Diving Holiday</h4>
<p>You must inform them if the main purpose of your holiday is to take part in a particular activity and that activity is not shown on your policy schedule.</p>
<h4>Transportation Costs</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Other Exclusions / Comments</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h2>Direct Travel</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.direct-travel.co.uk/Documents/st/Current-Policy-Wording.pdf" target="_blank">http://www.direct-travel.co.uk/Documents/st/Current-Policy-Wording.pdf</a><a rel="nofollow" target="_blank" href="http://www.directline.com/pdf/travel/single-trip-policy.pdf" target="_blank"><br />
</a></p>
<h4>Depths</h4>
<p>Not explicitly listed in policy document:</p>
<p>&#8220;If you wish to take part in an activity during your trip or if you are in any doubt as to whether or not an activity you intend to participate in during your trip will be covered, please contact Direct Travel Insurance Customer Services by phoning [...] or by e-mailing [...] before taking part to make sure that cover is provided.&#8221;</p>
<h4>Incidental/ Diving Holiday</h4>
<p>You must inform them if the main purpose of your holiday is to take part in a particular activity and that activity is not shown on your policy schedule.</p>
<h4>Transportation Costs</h4>
<p>Exclusions: Any search and rescue costs (costs charged to you by a government, regulated authority or private organisation connected with finding and rescuing you. This does not include medical evacuation costs by the most appropriate transport).</p>
<h4>Other Exclusions / Comments</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h2>DogTag</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.dogtag.co.uk/media/14151/rtsdt40093v.2%20(policy%20details%20with%20changed%20ipp%20values.pdf" target="_blank">http://www.dogtag.co.uk/media/14151/rtsdt40093v.2%20(policy%20details%20with%20changed%20ipp%20values.pdf</a></p>
<h4>Depths</h4>
<p>Scuba diving (to a depth of 30 metres), scuba diving (30 metres to 50 metres depth) with Premium, no solo scuba diving cover available</p>
<h4>Incidental/ Diving Holiday</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Transportation Costs</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Other Exclusions / Comments</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h2>Essential Travel</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.essentialtravel.co.uk/travelinsurance/download/ET-PolicyWording-Full-0612.pdf" target="_blank">http://www.essentialtravel.co.uk/travelinsurance/download/ET-PolicyWording-Full-0612.pdf</a><a rel="nofollow" target="_blank" href="http://www.dogtag.co.uk/media/14151/rtsdt40093v.2%20(policy%20details%20with%20changed%20ipp%20values.pdf" target="_blank"><br />
</a></p>
<h4>Depths</h4>
<p>Scuba Diving (to a maximum depth of 20 metres)</p>
<p>Scuba Diving (to a maximum depth of 30 metres) with Premium</p>
<p>Scuba diving (to a maximum depth of 50 metres) with Premium</p>
<p>Scuba diving is covered to the confirmed depths per Grade provided You are diving under the direction of an accredited dive Marshall, instructor or guide. If You are suitably<br />
qualified, and are not diving alone, cover is provided within the guidelines of the relevant diving or training agency or organisation as confirmed below:</p>
<p>PADI Open Water &#8211; 18 metres<br />
BSAC Ocean Diver &#8211; 20 metres<br />
PADI Advanced Open Water &#8211; 30 metres<br />
BSAC Sports Diver &#8211; 35 metres<br />
BSAC Dive Leader &#8211; 50 metres</p>
<h4>Incidental/ Diving Holiday</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Transportation Costs</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Other Exclusions / Comments</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h2>HSBC</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.hsbc.co.uk/1/PA_esf-ca-app-content/content/pws/content/personal/pdfs/CTRTG9185_HSBC_Singleand_Annual_Policy_Booklet.pdf" target="_blank">http://www.hsbc.co.uk/1/PA_esf-ca-app-content/content/pws/content/personal/pdfs/CTRTG9185_HSBC_Singleand_Annual_Policy_Booklet.pdf</a></p>
<h4>Depths</h4>
<p>Scuba diving to a depth of 15 metres</p>
<p>Scuba Diving up to 30 metres (Optional) (but excludes Nitrox)</p>
<h4>Incidental/ Diving Holiday</h4>
<p>Incidental Cover Only</p>
<h4>Transportation Costs</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Other Exclusions / Comments</h4>
<p>No cover under Personal Accident section, No cover under Personal Liability section, Organised through a licensed operator only. No cover for equipment under Baggage section 2. Maximum 5 dives per trip 3. Must be accompanied by qualified scuba diving instructor or dive master at all times 4. No professional, commercial or technical diving, including, but not limited to enriched air diving, tutor diving, ice diving, free diving, wreck, cave or cavern diving or solo diving.</p>
<p>Not covered:</p>
<p>Any claim as a result of scuba diving where:<br />
a) the claim is caused by you suffering from any medical condition which would normally<br />
prohibit you from diving<br />
b) you do not follow all diving safety warnings and guidelines<br />
c) you are undertaking professional, commercial or technical diving including, but not<br />
limited to, enriched air diving, tutor diving, ice diving, free diving, wreck diving, solo<br />
diving and cave or cavern diving<br />
d) you travel by air within 24 hours of completing a dive</p>
<h2>Insure &amp; Away</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.insureandaway.co.uk/wp-content/uploads/2012/08/Policy-Wordings.pdf" target="_blank">http://www.insureandaway.co.uk/wp-content/uploads/2012/08/Policy-Wordings.pdf</a></p>
<h4>Depths</h4>
<p>Scuba diving (qualified, maximum depth 30 metres) under 14 days<br />
per trip</p>
<p>Not Qualified: Scuba diving (unqualified, below 9 metres depth), Scuba diving (qualified below 30 metres depth)</p>
<h4>Incidental/ Diving Holiday</h4>
<p>Less than 14 days per trip</p>
<h4>Transportation Costs</h4>
<p>Exclusions: air and/or sea search and rescue.</p>
<h4>Other Exclusions / Comments</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h2>Insure &amp; Go (Bronze, Silver, Gold and Platinum)</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.insureandgo.com/travel-insurance/policy-wording.html" target="_blank">http://www.insureandgo.com/travel-insurance/policy-wording.html</a><a rel="nofollow" target="_blank" href="http://www.insureandaway.co.uk/wp-content/uploads/2012/08/Policy-Wordings.pdf" target="_blank"><br />
</a></p>
<h4>Depths</h4>
<p>Scuba diving (qualified, max 30 metres)</p>
<h4>Incidental/ Diving Holiday</h4>
<p>Under 14 days per trip</p>
<h4>Transportation Costs</h4>
<p>Exclusion: Any search and rescue costs.</p>
<h4>Other Exclusions / Comments</h4>
<p>Cover will only apply provided that you hold a British Sub Aqua Club (B.S.A.C.) or equivalent certificate of proficiency for the dive being undertaken or you are under the direct supervision of a qualified instructor; are diving with proper<br />
equipment and not contrary to B.S.A.C. codes of good practice; are not diving for hire or reward; are not diving within 24 hours of flying or flying within 24 hours of diving and are not suffering from any medical condition likely to impair your fitness to dive.</p>
<h2>Lloyds TSB</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.lloydstsb.com/media/lloydstsb2004/pdfs/lloyds_travel_policy.pdf" target="_blank">http://www.lloydstsb.com/media/lloydstsb2004/pdfs/lloyds_travel_policy.pdf</a></p>
<p><strong>Depths</strong></p>
<p>scuba diving up to depth of 18 metres (if qualified or accompanied by qualified instructor and not diving alone)</p>
<h4>Incidental/ Diving Holiday</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Transportation Costs</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Other Exclusions / Comments</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h2>M&amp;S Money</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://bank.marksandspencer.com/pdf/TIPolicy.pdf" target="_blank">http://bank.marksandspencer.com/pdf/TIPolicy.pdf</a></p>
<h4>Depths</h4>
<p>scuba diving up to depth of 18 metres (if qualified or accompanied by qualified instructor and not diving alone)</p>
<p>NOT COVERED FOR:</p>
<p>scuba diving below 40 metres or scuba diving alone</p>
<h4>Incidental/ Diving Holiday</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Transportation Costs</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Other Exclusions / Comments</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h2>Natwest</h2>
<p>5* Defaqto rated Worldwide Family Travel Insurance (included with some accounts)</p>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.natwest.com/downloads/global_options/docs/NWB6849.pdf" target="_blank">http://www.natwest.com/downloads/global_options/docs/NWB6849.pdf</a></p>
<h4>Depths</h4>
<p>SCUBA diving unless you are a qualified diver and you are accompanied at all times with another qualified<br />
diver or if you do not hold a SCUBA diving certificate, you are accompanied at all times by a qualified diving<br />
instructor and in any instance SCUBA diving beyond a depth of 30 metres is excluded;</p>
<h4>Incidental/ Diving Holiday</h4>
<p>You must let us know if you are taking part in any activity, which is either the main purpose of your Journey, or you know there is a good chance you are going to be taking part.</p>
<h4>Transportation Costs</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Other Exclusions / Comments</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h2>PJ Hayman</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.pjhayman.com/downloads/UG_adventures_2013.pdf" target="_blank">http://www.pjhayman.com/downloads/UG_adventures_2013.pdf</a> , <a rel="nofollow" target="_blank" href="http://www.pjhayman.com/downloads/PW_adventures_2013.pdf" target="_blank">http://www.pjhayman.com/downloads/PW_adventures_2013.pdf</a><a rel="nofollow" target="_blank" href="http://travel.virginmoney.com/shared/documents/VM_MF_PW_STD_1111.pdf" target="_blank"><br />
</a></p>
<h4>Depths</h4>
<p>Cover available to 30M, 50M or 50M+ (50M+ only as part of professionally organised activity)</p>
<p>Provided you are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organisation and not diving alone.</p>
<h4>Incidental/ Diving Holiday</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Transportation Costs</h4>
<p>Search &amp; Rescue costs covered with £500 excess for 72 hours following first assistance.</p>
<h4>Other Exclusions / Comments</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h2>RAC</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="https://www.acesecure.co.uk/ractravel/Documents/RACTravel/RAC-Travel-Policy-and-Summary.pdf#zoom=100" target="_blank">https://www.acesecure.co.uk/ractravel/Documents/RACTravel/RAC-Travel-Policy-and-Summary.pdf#zoom=100</a></p>
<h4>Depths</h4>
<p>Scuba diving (to a depth not exceeding 20 metres and provided that You are either accompanied by a qualified instructor, or You are qualified and not diving alone)</p>
<h4>Incidental/ Diving Holiday</h4>
<p>Not covered where sports or activities are the main focus of, or form a significant proportion of Your Holiday</p>
<h4>Transportation Costs</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Other Exclusions / Comments</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h2>Post Office</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.postoffice.co.uk/sites/default/files/TI_single_and_annual_policy.pdf" target="_blank">http://www.postoffice.co.uk/sites/default/files/TI_single_and_annual_policy.pdf</a></p>
<h4>Depths</h4>
<p>Scuba-diving &#8211; to a depth of 30 metres &amp; only if accompanied by a qualified diver or if you are qualified</p>
<p>Scuba diving &#8211; to a depth of 30-40 metres (with Premium)</p>
<h4>Incidental/ Diving Holiday</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Transportation Costs</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Other Exclusions / Comments</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h2>True Traveller</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.adventuretravelinsurance.co.uk/True%20Traveller%20Insurance%20Policy%202012.pdf" target="_blank">http://www.adventuretravelinsurance.co.uk/True%20Traveller%20Insurance%20Policy%202012.pdf</a><a rel="nofollow" target="_blank" href="http://www.postoffice.co.uk/sites/default/files/TI_single_and_annual_policy.pdf" target="_blank"><br />
</a></p>
<h4>Depths</h4>
<p>Scuba Diving (up to 40 meters in depth) excluding solo diving (with Premium)</p>
<h4>Incidental/ Diving Holiday</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Transportation Costs</h4>
<p>Exclusion: Any search and rescue costs or ship to shore rescue costs (cost charged to you by a Government, regulated authority or private organisation concerned with finding and rescuing an individual). This does not include medical evacuation costs by the most appropriate transport.</p>
<h4>Other Exclusions / Comments</h4>
<p>Exclusion: Air travel within 24 hours of scuba diving.</p>
<h2>Virgin Travel Insurance (Red,Silver,Gold Policies)</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://travel.virginmoney.com/shared/documents/VM_MF_PW_STD_1111.pdf" target="_blank">http://travel.virginmoney.com/shared/documents/VM_MF_PW_STD_1111.pdf</a></p>
<h4>Depths</h4>
<p>Scuba diving (qualified, max 30 metres) under 14 days (must inform beforehand)</p>
<h4>Incidental/ Diving Holiday</h4>
<p>Less than 14 days diving, and must inform beforehand</p>
<h4>Transportation Costs</h4>
<p>Will not cover: Any search and rescue costs.</p>
<h4>Other Exclusions / Comments</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<p><img class="aligncenter size-full wp-image-1938" alt="fish_break_1" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/04/fish_break_1.png" width="960" height="381" /></p>
<h1><a name="T6"></a>Specialist Diving Insurers</h1>
<div class='et-learn-more clearfix'>
					<h3 class='heading-more'><span>Navigation Links</span></h3>
					<div class='learn-more-content'><a rel="nofollow" target="_blank" href="#T1">top</a> | <a rel="nofollow" target="_blank" href="#T2">intro</a> | <a rel="nofollow" target="_blank" href="#T3">what to look for</a> | <a rel="nofollow" target="_blank" href="#T4">research</a> | <a rel="nofollow" target="_blank" href="#T5">normal insurers</a> | <a rel="nofollow" target="_blank" href="#T6">specialist insurers</a> | <a rel="nofollow" target="_blank" href="#T7">conclusion</a></div>
				</div>
<p>As you know, there are also insurance companies which specialise in diving insurance. I&#8217;ve collated 5 such companies here, and subjected them to the same searches I used on the other insurance providers.</p>
<div class='et-box et-warning'>
					<div class='et-box-content'>This is NOT a definitive list, nor should be used as the basis of any decision as to your chosen provider.</p>
<p>It is intended to highlight the differences in policy between different providers. This is a list of several providers who offer different travel insurance products, based on data available between Q42012 and Q12013 . I&#8217;ve looked at their policies and very un-scientifically searched them for keywords such as &#8220;scuba&#8221;, &#8220;incidental&#8221;, &#8220;rescue&#8221; etc. before extracting specific sections. Therefore, you should fully read the policies carefully before making any decisions. It&#8217;s also possible I&#8217;ve left comments out which should be in there: let me know of any omissions and I&#8217;ll happily correct them, with apologies.</div></div>
<h2>DAN (Sport Silver)</h2>
<p>Read the policy here: Not available unless you are logged into MyDan. May be available on request.<a rel="nofollow" target="_blank" href="http://travel.virginmoney.com/shared/documents/VM_MF_PW_STD_1111.pdf" target="_blank"><br />
</a></p>
<h4>Depths</h4>
<p>No depth limit (limits imposed on Bronze policy).</p>
<p>Recreational Diving means all snorkelling, and recreational Diving Activities  carried out  by the Insured as stated in the Schedule or Certificate  attached to this Policy with or without breathing apparatus whether as a student or not including:<br />
• Compressed air diving in any form<br />
• Enriched air “nitrox” diving with fixed percentages with an open circuit or a “rebreather”<br />
• The use of oxygen enriched air or of oxygen to maximize decompression safety<br />
• The use of normoxic “Trimix” mixtures at depths less than 50m to minimize the narcotic effects of compressed air.</p>
<h4>Incidental/ Diving Holiday</h4>
<p>Covers any diving you undertake. Note: only covers diving &#8211; this is not a general insurance policy.</p>
<p>&#8220;THIS IS NOT a private medical insurance policy and only gives cover during a diving activity or in the event of accident or illness that manifests itself during a Journey&#8221;</p>
<h4>Transportation Costs</h4>
<p>Included: emergency transport by ambulance (or other rescue service to take you to the hospital or clinic)</p>
<h4>Other Exclusions / Comments</h4>
<p>Note: diving insurance only. DAN provide you with a insurance card and a telephone number (both local and international) to call. This will connect you to an English speaking operator who will then co-ordinate rescue and care for you.</p>
<h2>Divemaster (IDEC Diver Accident Insurance)</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.divemasterinsurance.com/assets/PW/IDEC%20Wording%2007.09.pdf">http://www.divemasterinsurance.com/assets/PW/IDEC%20Wording%2007.09.pdf</a><a rel="nofollow" target="_blank" href="http://travel.virginmoney.com/shared/documents/VM_MF_PW_STD_1111.pdf" target="_blank"><br />
</a></p>
<h4>Depths</h4>
<p>80 metres for unsupported dives and/or 130 metres for supported dives unless underwriters agreement is obtained after a written submission. However:</p>
<p>&#8221; <em>i) We accept that being a certified recreational diver does not necessarily make you qualified for all challenging dives. The SCUBA Diving </em><em>Certifying Associations (Authoritative Diving Bodies) recommend that you increase your diving  depths and experience by gradual progression and </em><em>log them as proof of your experience. </em><br />
<em>ii) Conversely we accept that there will be many recreational SCUBA divers who are qualified to dive certain challenging dives by way of logged </em><em>experience but may not be certified to engage in these challenging dives. </em><br />
<em>iii) In all claims situations attaching to this policy we will consider both your diver certifications and your logged dive experience before coming to a</em> <em>decision.&#8221;</em></p>
<p>Also, marked as an Exclusion: <em>&#8220;A lack of the correct diver certification and/or lack of provable experience by way of your logged dive records where this lack of certification and/or logged experience was directly causative of the Accident/Injury.&#8221;</em></p>
<h4>Incidental/ Diving Holiday</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Transportation Costs</h4>
<p>Covered, with the following limits:</p>
<p>Emergency Air Evacuation/Repatriation:  £75,000<br />
Search &amp; Rescue: £50,000<br />
Reasonable Transportation Costs &amp; Accommodation Expenses: £5,000</p>
<h4>Other Exclusions / Comments</h4>
<p>Author Note: The IDEC Insurance policy is <em>only</em> for diving accident/medical emergency, and does not cover other things, such as cancelled flights or lost luggage. Divemaster provide a range of supporting products (such as Annual Trip Insurance) which provide these features, but the IDEC Insurance policy is the only one that provides medical cover.</p>
<h2>Westfield</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.divinginsuranceuk.com/index_htm_files/Westfield%20Travel%20Insurance%20Policy%20Wording%202013.pdf">http://www.divinginsuranceuk.com/index_htm_files/Westfield%20Travel%20Insurance%20Policy%20Wording%202013.pdf</a><a rel="nofollow" target="_blank" href="http://travel.virginmoney.com/shared/documents/VM_MF_PW_STD_1111.pdf" target="_blank"><br />
</a></p>
<h4>Depths</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Incidental/ Diving Holiday</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Transportation Costs</h4>
<p>Air Ambulance, Sea Rescue, Hyperbaric Chamber costs covered (up to £5M each)</p>
<h4>Other Exclusions / Comments</h4>
<p>No cave diving. However, many other forms of diving, such as deep or wreck diving, appear to be covered.</p>
<p>The only exclusion I could find was this:</p>
<p>Excluded: Any claims arising from the Insured Person’s failure to comply with the current safety recommendations of the Insured Person’s diving association.</p>
<h2>Travel4Scuba</h2>
<p>This policy has been withdrawn. The suggested alternative is Adventures Travel Insurance from PJ Haymen (mentioned above)</p>
<h2>Scuba Travel</h2>
<p>Read the policy here: <a rel="nofollow" target="_blank" href="http://www.scubatravel.com/extras/Insurance/Scuba_Travel.pdf">http://www.scubatravel.com/extras/Insurance/Scuba_Travel.pdf</a><a rel="nofollow" target="_blank" href="http://travel.virginmoney.com/shared/documents/VM_MF_PW_STD_1111.pdf" target="_blank"><br />
</a></p>
<h4>Depths</h4>
<p>Scuba diving to a depth of 50m</p>
<h4>Incidental/ Diving Holiday</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<h4>Transportation Costs</h4>
<p>Reasonable receipted costs if following you being reported missing whilst scuba diving, the local authorities deem it necessary to instigate a search and rescue operation.</p>
<h4>Other Exclusions / Comments</h4>
<p>I didn&#8217;t see anything specific, you should check.</p>
<p><img class="aligncenter size-full wp-image-1937" alt="fish_break_2" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/04/fish_break_2.jpg" width="960" height="413" /></p>
<h1><a name="T7"></a>Conclusion &amp; Recommendation</h1>
<div class='et-learn-more clearfix'>
					<h3 class='heading-more'><span>Navigation Links</span></h3>
					<div class='learn-more-content'><a rel="nofollow" target="_blank" href="#T1">top</a> | <a rel="nofollow" target="_blank" href="#T2">intro</a> | <a rel="nofollow" target="_blank" href="#T3">what to look for</a> | <a rel="nofollow" target="_blank" href="#T4">research</a> | <a rel="nofollow" target="_blank" href="#T5">normal insurers</a> | <a rel="nofollow" target="_blank" href="#T6">specialist insurers</a> | <a rel="nofollow" target="_blank" href="#T7">conclusion</a></div>
				</div>
<DIV style='	font-style: italic;
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					line-height: 1.75em; border-left: solid 5px #000;  font-size:1.5em; '>&#8220;don&#8217;t assume your insurance covers you for every aspect of diving&#8221;<span style="float:right; padding: 5px 10px;"><a href="https://twitter.com/share" class="twitter-share-button" data-text="&#34;don&#8217;t assume your insurance covers you for every aspect of diving&#34;" data-via="tomorgan" data-size="small" data-count="none" >Tweet This</a></span><script>!function(d,s,id){var js,fjs=d.getElementsByTagName(s)[0];if(!d.getElementById(id)){js=d.createElement(s);js.id=id;js.src="//platform.twitter.com/widgets.js";fjs.parentNode.insertBefore(js,fjs);}}(document,"script","twitter-wjs");</script></DIV><p>Your choice of insurer when you go diving is an important one. You wouldn&#8217;t buy the cheapest set of regs without first making sure they were going to function correctly at the depth you wanted to dive to, and without finding out whether they were as reliable and dependable as you want them to be. Likewise, don&#8217;t assume your insurance covers you for every aspect of diving. This is true for all levels of divers, but becomes much more important the deeper and more technical your diving becomes.</h1>
<p><img class="alignright size-full wp-image-1935" alt="dan" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/04/dan.jpg" width="206" height="203" />My recommendation would be DAN. I&#8217;ve had DAN membership on and off for 5 years, thankfully I&#8217;ve never needed to use them. However, you don&#8217;t have to talk to many people in the diving world to come across story after story of positive interactions with the team there, and of swift and decisive action.</p>
<p>DAN is a non-profit organisation, and also do a great amount of medical and research work to try and better understand the underwater world to improve the safety of those that dive there. They have more than 100,000 members worldwide.</p>
<p>I have the Sport Silver Membership, which I find covers all my needs with a very conservative buffer. There are no depth limits and all types of diving, including technical, are covered. Last time I checked (April 2013) it was £75. You pay more than that to park your car at the airport for a week when you&#8217;re on holiday.</p>
<p>You can visit the <a rel="nofollow" target="_blank" href="http://www.daneurope.org/web/guest/membership" target="_blank">DAN website</a> or the <a rel="nofollow" target="_blank" href="http://www.daneurope.org/web/guest/registration?p_p_id=registration&amp;p_p_lifecycle=0&amp;p_p_mode=view&amp;p_p_state=normal&amp;_registration_struts_action=%2Fext%2Fregistration%2Fwizard&amp;_registration_processType=2&amp;_registration_defPlanGroupAbbr=Sport&amp;_registration_defPlanAbbr=SptBrz&amp;p_p_id=registration&amp;p_p_lifecycle=0&amp;p_p_mode=view&amp;p_p_state=normal&amp;_registration_struts_action=%2Fext%2Fregistration%2Fwizard&amp;_registration_processType=2&amp;_registration_defPlanGroupAbbr=Sport&amp;_registration_defPlanAbbr=SptBrz" target="_blank">online sign-up page</a>. And if you found any of this useful, drop me a note in the comments!</p>
<p><em>(No-one, including DAN, has given me anything to say any of this stuff, or to include any of the companies on this site. Research responses to survey available on request.)</em></p>
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		<title>Book: Microsoft Lync Server 2013 Unleashed</title>
		<link>http://thoughtstuff.co.uk/2013/04/book-microsoft-lync-server-2013-unleashed/</link>
		<comments>http://thoughtstuff.co.uk/2013/04/book-microsoft-lync-server-2013-unleashed/#comments</comments>
		<pubDate>Thu, 18 Apr 2013 08:33:16 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[Microsoft Lync]]></category>
		<category><![CDATA[book]]></category>
		<category><![CDATA[lync]]></category>
		<category><![CDATA[office365]]></category>

		<guid isPermaLink="false">http://thoughtstuff.co.uk/?p=1912</guid>
		<description><![CDATA[There&#8217;s a new book on Lync Server 2013 out, and it&#8217;s been described as &#8220;The most comprehensive, realistic, and useful guide to Microsoft Lync Server 2013, today&#8217;s leading Unified Communications system.&#8221;. Susan Bradley, Microsoft Senior Content Project Manager says that it &#8220;may well be the Lync Book of the Year&#8221;, and that the authors are a [...]]]></description>
				<content:encoded><![CDATA[<p>There&#8217;s a new book on Lync Server 2013 out, and it&#8217;s been described as <em>&#8220;The most comprehensive, realistic, and useful guide to Microsoft Lync Server 2013, today&#8217;s leading Unified Communications system.&#8221;.</em></p>
<p><img src="http://thoughtstuff.co.uk/wp-content/uploads/2013/04/MicrosoftLyncServer2013Unleashed.png" alt="MicrosoftLyncServer2013Unleashed" width="350" height="456" class="aligncenter size-full wp-image-1917" /></p>
<p>Susan Bradley, Microsoft Senior Content Project Manager says that it <strong>&#8220;may well be the Lync Book of the Year&#8221;</strong>, and that the authors are a <strong>&#8220;powerhouse of Lync knowledge and real-life experience planning, integrating, deploying, and administering Lync Server for companies around the globe.&#8221;</strong></p>
<p>High praise indeed. But then, 3 of the 5 authors work at <a rel="nofollow" target="_blank" href="http://modalitysystems.com" target="_blank">Modality Systems</a>, so I wouldn&#8217;t have expected anything less!</p>
<p>This book demonstrates how Lync Server 2013 has really evolved from previous versions and other communication platforms. There&#8217;s also new sections on Office365 and Lync Online. You can read the full report on Susan&#8217;s blog.</p>
<p>Available from Amazon: <a rel="nofollow" target="_blank" href="http://www.amazon.co.uk/gp/product/0672336154/ref=as_li_ss_tl?ie=UTF8&#038;camp=1634&#038;creative=19450&#038;creativeASIN=0672336154&#038;linkCode=as2&#038;tag=thostultd-21">Microsoft Lync Server 2013 Unleashed</a><img src="http://www.assoc-amazon.co.uk/e/ir?t=thostultd-21&#038;l=as2&#038;o=2&#038;a=0672336154" width="1" height="1" border="0" alt="" style="border:none !important; margin:0px !important;" /> (UK link)</p>
<h1>Pro Tip</h1>
<p>At the time of writing this, it&#8217;s not yet available in print as it&#8217;s so new. However, you can download the Kindle version <a rel="nofollow" target="_blank" href="http://www.amazon.co.uk/gp/product/B00C893P8K/ref=as_li_ss_tl?ie=UTF8&#038;camp=1634&#038;creative=19450&#038;creativeASIN=B00C893P8K&#038;linkCode=as2&#038;tag=thostultd-21" target="_blank">right now, from Amazon</a>.</p>
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		<title>What is 2-step Verification and why should I care?</title>
		<link>http://thoughtstuff.co.uk/2013/04/what-is-2-step-verification-and-why-should-i-care/</link>
		<comments>http://thoughtstuff.co.uk/2013/04/what-is-2-step-verification-and-why-should-i-care/#comments</comments>
		<pubDate>Wed, 17 Apr 2013 17:00:26 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[Everything Else]]></category>
		<category><![CDATA[2stepverification]]></category>
		<category><![CDATA[password]]></category>

		<guid isPermaLink="false">http://thoughtstuff.co.uk/?p=1854</guid>
		<description><![CDATA[I&#8217;ve just enabled 2-step verification for my Apple ID. Why did I do this, and what does it all mean? Update: Microsoft have just announced that 2-step verification will soon be coming to Microsoft Account services. This will include Windows, Phone, XBox, SkyDrive, and the online versions of Office and Outlook. The rollour will be [...]]]></description>
				<content:encoded><![CDATA[<h2>I&#8217;ve just enabled 2-step verification for my Apple ID. Why did I do this, and what does it all mean?</h2>
<p><em>Update: Microsoft have<a rel="nofollow" target="_blank" href="http://www.zdnet.com/microsoft-rolling-out-two-factor-authentication-across-its-product-line-7000014162/" target="_blank"> just announced</a> that 2-step verification will soon be coming to Microsoft Account services. This will include Windows, Phone, XBox, SkyDrive, and the online versions of Office and Outlook. The rollour will be happening <a rel="nofollow" target="_blank" href="http://blogs.technet.com/b/microsoft_blog/archive/2013/04/17/microsoft-account-gets-more-secure.aspx" target="_blank">over &#8220;the next couple of days&#8221;</a>. Excellent news!</em></p>
<h1>The Problem</h1>
<p>Your email, Facebook, Twitter, your bank, your favourite websites &#8211; they all have passwords. And, all these passwords are complex, hard to guess and different, right? (they should be!)</p>
<p>More and more stuff is moving online these days, and what you do online is increasing. This is good for us, but it&#8217;s also good for the Bad Guys. If the Bad Guys can access your accounts, what they can do today is much greater than a few years ago. It used to be that if your account was &#8220;hacked&#8221;, your friends might get some lewd emails and it would all be very embarrassing. Today, you can expect loans to be taken out in your name, money transferred out of your account and your iPhone and iPad to stop working.</p>
<p>Is this likely? Well, probably not no, not in the grand scheme of things. There&#8217;s lots of people in the world, and the chances of someone choosing you as their next victim are quite low.</p>
<p><img class="aligncenter size-full wp-image-1859" alt="tumblr_ljn910Zrhn1qe0eclo1_r3_500" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/04/tumblr_ljn910Zrhn1qe0eclo1_r3_500.gif" width="500" height="300" /></p>
<p>But don&#8217;t tell that to anyone who&#8217;s been the victim of Identify Theft, or had their credit card details swiped. Just because it&#8217;s not likely, doesn&#8217;t mean it won&#8217;t happen.</p>
<p>Do you have house insurance? Of course you do.</p>
<p>In 2011-12 there were 43,500 fires in dwellings in the UK. (<a rel="nofollow" target="_blank" href="https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/36467/FSGB_2011_to_12.pdf" target="_blank">source</a>) In 2012 there were 26.4 million households in the UK. (<a rel="nofollow" target="_blank" href="http://www.ons.gov.uk/ons/rel/family-demography/families-and-households/2012/stb-families-households.html" target="_blank">source</a>)</p>
<p>All things being equal, the likelihood of your house catching fire in 2012 was 0.165%. If that&#8217;s high enough for you to take out insurance, you need to read on.</p>
<h1>The Chain</h1>
<p>Think about how all your accounts are chained together, to make things easy for you. Your Amazon account &#8211; the username is your email address, right? And the password reset email goes to&#8230; your email address. So, Bad Guy gets your email, he gets your Amazon account. Do you have 1-Click ordering turned on, or your credit cards stored with Amazon? That&#8217;s just going to be annoying &#8211; you&#8217;ll need to cancel the card, send the books back. But what if you have a Kindle?</p>
<p><img class="aligncenter size-full wp-image-1855" alt="kindle_deregister" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/04/kindle_deregister.png" width="652" height="229" /></p>
<p>Deregistering a Kindle will remove all the content and stop it working. It&#8217;s not a major pain, as your books will be stored on your Amazon account&#8230; as long as you can get it back and the account doesn&#8217;t get deleted.</p>
<p>LinkedIn and Twitter also use email password reset and things that happen here can affect your professional career, which is serious in a world where everything online is stored and available for future employers to search. Facebook? Well that would just be embarrassing really&#8230;unless of course you&#8217;re set up for in-Facebook purchases&#8230;</p>
<h1>The Weak Link</h1>
<p>Onto Apple. To reset your password with Apple&#8217;s tech support you need to provide the last 4 digits of your card number. Apple obviously reckon this is secure: a validation of you as a person.</p>
<p>Amazon consider it throwaway, non-sensitive information. Log into your Amazon account now, and choose <strong>Manage Your Payment Methods</strong>. Hmm.</p>
<p>So, what&#8217;s the big deal with having your Apple account hacked? Well, apart from the app and iTunes purchases (which you&#8217;ll probably be able to claim back), there&#8217;s this:</p>
<p><img class="aligncenter size-full wp-image-1856" alt="icloud_confirmwipe" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/04/icloud_confirmwipe.png" width="381" height="363" /></p>
<p>Obviously this works for iPads as well: a big deal for anyone with photos of their children, pets or other precious items.</p>
<p>There&#8217;s an even scarier prospect too, if you consider that anyone with access to your email and Amazon account definitely knows your home address, and just needs a way to know whether you own an iPad worth stealing, and  when you&#8217;re not home:</p>
<p><img class="aligncenter size-full wp-image-1857" alt="locate_phone" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/04/locate_phone.png" width="960" height="470" /></p>
<p>This isn&#8217;t just theory by the way, this has <a rel="nofollow" target="_blank" href="http://www.wired.com/gadgetlab/2012/08/apple-amazon-mat-honan-hacking/all/" target="_blank">happened</a>.</p>
<h1>2 Steps to Safety</h1>
<p>So, what&#8217;s the answer? There&#8217;s no completely safe method, no silver bullet, but 2-step verification is a big step forward.</p>
<p>2-step works like this:</p>
<ul>
<li>You log in as normal, with username and password</li>
<li>Before the login completes, a unique code is sent somewhere only you would have access to, such as a text message to your phone</li>
<li>You type the code in and the login completes.</li>
</ul>
<p>It&#8217;s a very similar method to the RSA keys used by larger organisations, where the password is made up of a random stream of numbers, which changes every 30 seconds and is kept by the user on a keyring:</p>
<p><img class="size-full wp-image-1858 aligncenter" style="text-align: center;" alt="RSA_Key" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/04/RSA_Key.jpg" width="800" height="381" /></p>
<p>Typically, once you&#8217;ve entered the code, the computer will remember you for 30 days or so, meaning that you won&#8217;t have to enter a new code every time you use that device.</p>
<p>This is a huge step forward: it means that not only do the Bad Guys need to get your username and password: they also need to be in receipt of one of your devices, which is <strong>much</strong> less likely. You&#8217;re also moving yourself further up the Tree of Low Hanging Fruit &#8211; you&#8217;re now just too much work to try and hack, and there&#8217;ll be plenty of other suckers who haven&#8217;t turned it on.</p>
<h1>Turn it on</h1>
<p>2-step is now being offered by several of the larger sites, and I&#8217;m sure more will come on-board soon. Here are the ones I know about:</p>
<p><strong>Google &#8211; a must do: Go to <a rel="nofollow" target="_blank" href="https://www.google.com/settings/security?ref=home" target="_blank">your settings</a> and complete the section titled 2-Step Verification</strong><br />
Facebook : Go to <a rel="nofollow" target="_blank" href="https://www.facebook.com/settings?tab=security" target="_blank">your settings</a> and complete the section title Login Approvals<br />
Apple: Go to <a rel="nofollow" target="_blank" href="https://appleid.apple.com/en_US" target="_blank">My Apple ID</a> and select Password and Security. Apple have a lockout window of 3-5 days between requesting 2-step and enabling it to allow them time to notify all your devices and email address (in case it wasn&#8217;t initiated by you)<br />
Twitter: 2-step authentication is <a rel="nofollow" target="_blank" href="http://www.gmanetwork.com/news/story/293539/scitech/socialmedia/following-hack-attack-twitter-adopts-2-step-authentication" target="_blank">coming soon</a> following a recent hack attack<br />
Microsoft: <a rel="nofollow" target="_blank" href="http://blogs.technet.com/b/microsoft_blog/archive/2013/04/17/microsoft-account-gets-more-secure.aspx" target="_blank">coming soon</a></p>
<p>There are some other places that use it, such as Dropbox and WordPress and if you use these, you should definitely consider it. And if your email provider doesn&#8217;t offer it, demand they do, before it&#8217;s too late.</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
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		<title>Windows 8.1: Why the New Naming Convention is Important</title>
		<link>http://thoughtstuff.co.uk/2013/04/windows-8-1-why-the-new-naming-convention-is-important/</link>
		<comments>http://thoughtstuff.co.uk/2013/04/windows-8-1-why-the-new-naming-convention-is-important/#comments</comments>
		<pubDate>Mon, 15 Apr 2013 18:03:14 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[Everything Else]]></category>
		<category><![CDATA[blue]]></category>
		<category><![CDATA[windows8]]></category>

		<guid isPermaLink="false">http://thoughtstuff.co.uk/?p=1843</guid>
		<description><![CDATA[I don&#8217;t usually do a lot of commenting on mainstream Windows stuff: I can&#8217;t keep up and there&#8217;s plenty of other people who can. But I do try and keep my ear in on what&#8217;s going on. &#8220;the name change to 8.1 represents a huge change in the way Windows is developed &#38; delivered.&#8221;Tweet ThisThe [...]]]></description>
				<content:encoded><![CDATA[<p>I don&#8217;t usually do a lot of commenting on mainstream Windows stuff: I can&#8217;t keep up and there&#8217;s plenty of other people who can. But I do try and keep my ear in on what&#8217;s going on.</p>
<DIV style='	font-style: italic;
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					float: left; 
					line-height: 1.75em; border-right: solid 5px #000;  font-size:1.5em; '>&#8220;the name change to 8.1 represents a huge change in the way Windows is developed &amp; delivered.&#8221;<span style="float:right; padding: 5px 10px;"><a href="https://twitter.com/share" class="twitter-share-button" data-text="&#34;the name change to 8.1 represents a huge change in the way Windows is developed &amp; delivered.&#34;" data-via="tomorgan" data-size="small" data-count="none" >Tweet This</a></span><script>!function(d,s,id){var js,fjs=d.getElementsByTagName(s)[0];if(!d.getElementById(id)){js=d.createElement(s);js.id=id;js.src="//platform.twitter.com/widgets.js";fjs.parentNode.insertBefore(js,fjs);}}(document,"script","twitter-wjs");</script></DIV><p>The big news recently is Windows Blue, the next version of the Windows 8 operating system. Its final name is going to Windows 8.1. You can read about this either from <a rel="nofollow" target="_blank" href="http://www.zdnet.com/microsofts-windows-blue-looks-to-be-named-windows-8-1-7000013391/" target="_blank">Mary Jo Foley</a> or on <a rel="nofollow" target="_blank" href="http://www.theverge.com/2013/4/2/4174664/windows-8-1-to-be-final-name-for-blue-upgrade" target="_blank">The Verge</a>, to just 2 of the better sources.  This is unusual: not since Windows 3.1 have Microsoft used numerical points to iterate their operating system releases. People have been saying that the change to a point release name is more boring that calling it Blue, or that it makes it sound more like a Service Pack, or just that it&#8217;s usual crazy Microsoft naming conventions. I say this: the name change to 8.1 represents a huge change in the way Windows is developed &amp; delivered.</p>
<h1>How so?</h1>
<p>Over the past couple of years, Microsoft have been trying to change how they ship software. From traditional 2 year product cycles, they&#8217;ve been trying to move to a model where they ship sooner, iterate faster, move in a more agile way. As a developer, I&#8217;ve definitely seen this happening in Visual Studio and its associated products. Apple (to some extent), Google  (for sure) and the New World of small companies and individuals rapidly iterating software and apps is making them look slow and outdated, and they want to be part of the party, to be able to change pace and support the latest thing.</p>
<p><img class="aligncenter size-full wp-image-1844" alt="tanker" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/04/tanker.png" width="960" height="588" /></p>
<p>But Microsoft is a big company, a massive company, and Change takes time. This isn&#8217;t going to happen overnight. Lots of moving parts need to come together and align.</p>
<p>However,<strong> I believe the use of a numerical point system demonstrates their commitment to making this change.</strong> You can&#8217;t release lots of incremental updates clearly when your product name is ME, or XP, or Blue. It fragments the marketing story too much. 8.1 is a clear iteration on 8, and it promises a future of iterations.</p>
<h1>More Than Just Bug Fixes</h1>
<DIV style='	font-style: italic;
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					line-height: 1.75em; border-left: solid 5px #000;  font-size:1.5em; '>&#8220;8.1 will be the first of a new generation of MS releases, and you heard it here first!&#8221;<span style="float:right; padding: 5px 10px;"><a href="https://twitter.com/share" class="twitter-share-button" data-text="&#34;8.1 will be the first of a new generation of MS releases, and you heard it here first!&#34;" data-via="tomorgan" data-size="small" data-count="none" >Tweet This</a></span><script>!function(d,s,id){var js,fjs=d.getElementsByTagName(s)[0];if(!d.getElementById(id)){js=d.createElement(s);js.id=id;js.src="//platform.twitter.com/widgets.js";fjs.parentNode.insertBefore(js,fjs);}}(document,"script","twitter-wjs");</script></DIV><p>Back in 2010, I wrote a blog post titled &#8220;<a href="http://thoughtstuff.co.uk/2010/06/why-ios4-was-the-most-exciting-service-pack-ever/" target="_blank">Why iOS4 Was The Most Exciting Service Pack Ever</a>&#8220;, where I called out Microsoft for not shipping new features in their Service Packs, just bug fixes. I think, from Windows 8.1, we will finally see that change. I believe Microsoft have come to believe that they have to innovate their software, they have to shorten their release cycle, they have continue to add features, if they want to keep up with the competition. It&#8217;s what their customers demand these days, and I think Microsoft are gearing up to make it happen. 8.1 will be the first of a new generation of MS releases, and you heard it here first!</p>
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		<title>Lync 2010 on Windows XP Pro / Windows Server 2003: Lync client does not start (after installing March 2013 update)</title>
		<link>http://thoughtstuff.co.uk/2013/04/lync-2010-on-windows-xp-pro-windows-server-2003-lync-client-does-not-start-after-installing-march-2013-update/</link>
		<comments>http://thoughtstuff.co.uk/2013/04/lync-2010-on-windows-xp-pro-windows-server-2003-lync-client-does-not-start-after-installing-march-2013-update/#comments</comments>
		<pubDate>Mon, 15 Apr 2013 16:28:49 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[Microsoft Lync]]></category>
		<category><![CDATA[lync]]></category>
		<category><![CDATA[xp]]></category>

		<guid isPermaLink="false">http://thoughtstuff.co.uk/?p=1840</guid>
		<description><![CDATA[There&#8217;s a fix for the fix If you&#8217;re a Windows XP Pro or Windows Server 2003 user and have applied the March 2013 cumulative update for Lync Client 2010, you may receive an error when you try and start the Lync client: &#8220;The parameter is incorrect&#8221; To resolve this issue, install the April 2013 cumulative [...]]]></description>
				<content:encoded><![CDATA[<p>There&#8217;s a fix for the fix <img src='http://thoughtstuff.co.uk/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /> </p>
<p>If you&#8217;re a Windows XP Pro or Windows Server 2003 user and have applied the March 2013 cumulative update for Lync Client 2010, you may receive an error when you try and start the Lync client:</p>
<blockquote><p>&#8220;The parameter is incorrect&#8221;</p></blockquote>
<p>To resolve this issue, install the April 2013 cumulative update, available from Windows Update, or here from MS Support: <a rel="nofollow" target="_blank" href="http://support.microsoft.com/kb/2815347" target="_blank">Description of the cumulative update package for Lync 2010: April 2013</a></p>
<p>And, relax&#8230;.</p>
<p>By the way, and not at <em>all</em> related, but this is a really good book:</p>
<p><a rel="nofollow" target="_blank" href="http://www.amazon.co.uk/gp/product/0321223918/ref=as_li_ss_tl?ie=UTF8&amp;camp=1634&amp;creative=19450&amp;creativeASIN=0321223918&amp;linkCode=as2&amp;tag=thostultd-21" target="_blank"></p>
<p style="text-align: center;"><img class="aligncenter size-full wp-image-299" alt="FindTheBug" src="http://thoughtstuff.co.uk/wp-content/uploads/2011/02/FindTheBug.jpg" width="300" height="300" /></p>
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		<title>Lync 2013 for iPhone &#8211; No Video for older phones?</title>
		<link>http://thoughtstuff.co.uk/2013/03/lync-2013-for-iphone-no-video-for-older-phones/</link>
		<comments>http://thoughtstuff.co.uk/2013/03/lync-2013-for-iphone-no-video-for-older-phones/#comments</comments>
		<pubDate>Wed, 13 Mar 2013 09:08:42 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[Microsoft Lync]]></category>
		<category><![CDATA[iphone]]></category>
		<category><![CDATA[lync]]></category>

		<guid isPermaLink="false">http://thoughtstuff.co.uk/?p=1824</guid>
		<description><![CDATA[The Lync 2013 client has now been released for Android, Windows Phone and iOS. For a good look at the features (shown off on a Windows Phone) see Justin&#8217;s blog post, but I noticed something odd yesterday with the iOS client. I have an (old) iPhone 3Gs, however the app installs fine, and is pretty [...]]]></description>
				<content:encoded><![CDATA[<p>The Lync 2013 client has <a rel="nofollow" target="_blank" href="http://www.engadget.com/2013/03/11/microsoft-lync-2013-mobile-apps/" target="_blank">now been released</a> for Android, Windows Phone and iOS. For a good look at the features (shown off on a Windows Phone) see <a rel="nofollow" target="_blank" href="http://www.justin-morris.net/lync-2013-for-windows-phone-8-a-first-look/" target="_blank">Justin&#8217;s blog post</a>, but I noticed something odd yesterday with the iOS client.</p>
<p style="text-align: left;"><img class="size-full wp-image-1825 aligncenter" style="border: 1px solid black;" alt="photo 1" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/03/photo-1.png" width="320" height="480" />I have an (old) iPhone 3Gs, however the app installs fine, and is pretty responsive. It&#8217;s impressive given the age of the technology it&#8217;s running on, and it shows that Microsoft have invested time in understanding each architecture they&#8217;ve ported the apps to.</p>
<p style="text-align: left;">All the features are available to me, however, when I try and place a call, only voice calls are available, not video:</p>
<p style="text-align: left;"><img class="aligncenter size-full wp-image-1832" alt="photo 3" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/03/photo-3.png" width="320" height="480" /></p>
<p style="text-align: left;">The video icon is greyed out. I don&#8217;t know if this is because the hardware can&#8217;t support streaming high-quality video, or whether it&#8217;s because the 3GS only had a rear-facing camera, but it&#8217;s worth noting.</p>
<p style="text-align: left;">By the way, the new meeting list, and meeting join is really nice (but again, no video for me):</p>
<p style="text-align: center;"><img class="aligncenter size-full wp-image-1831" style="border: 1px solid black;" alt="photo6" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/03/photo6.png" width="320" height="480" /></p>
<p style="text-align: center;"><img class="aligncenter size-full wp-image-1828" style="border: 1px solid black;" alt="photo 4" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/03/photo-4.png" width="320" height="480" /></p>
<p style="text-align: center;"><img class="aligncenter size-full wp-image-1829" style="border: 1px solid black;" alt="photo 5" src="http://thoughtstuff.co.uk/wp-content/uploads/2013/03/photo-5.png" width="320" height="480" /></p>
<p style="text-align: left;">Maybe I just need a new phone! iPhone 5 or Windows Phone, that&#8217;s the real question&#8230;</p>
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		<title>Creating UCMA Applications with a UserApplication instance. Example: sending IMs.</title>
		<link>http://thoughtstuff.co.uk/2013/03/creating-ucma-applications-with-a-userapplication-instance-example-sending-ims/</link>
		<comments>http://thoughtstuff.co.uk/2013/03/creating-ucma-applications-with-a-userapplication-instance-example-sending-ims/#comments</comments>
		<pubDate>Mon, 04 Mar 2013 17:28:26 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[Development]]></category>
		<category><![CDATA[Microsoft Lync]]></category>
		<category><![CDATA[lync]]></category>
		<category><![CDATA[UCMA]]></category>

		<guid isPermaLink="false">http://thoughtstuff.co.uk/?p=1817</guid>
		<description><![CDATA[The UCMA platform is very powerful, but sometimes you just want to send a message. Of course, you can do this using the Lync Client SDK, but you might not want the obvious interaction with the Lync client and visibility that provides. If you&#8217;re writing a Windows .NET application, you might just want to perform [...]]]></description>
				<content:encoded><![CDATA[<p>The UCMA platform is very powerful, but sometimes you just want to send a message. Of course, you can do this using the Lync Client SDK, but you might not want the obvious interaction with the Lync client and visibility that provides. If you&#8217;re writing a Windows .NET application, you might just want to perform a Lync activity within the code, silently and secretly <img src='http://thoughtstuff.co.uk/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<p>When you write UCMA code you choose whether to do so with <a rel="nofollow" target="_blank" href="http://msdn.microsoft.com/en-us/library/microsoft.rtc.collaboration.userendpoint_di_3_uc_ocs14mreflyncuc3cr.aspx" target="_blank">UserEndpoints</a> or with <a rel="nofollow" target="_blank" href="http://msdn.microsoft.com/en-us/library/microsoft.rtc.collaboration.applicationendpoint_di_3_uc_ocs14mreflyncuc3cr.aspx" target="_blank">ApplicationEndpoints</a>. UserEndpoints are tied to a specific user, a Lync account and must have a username and password. ApplicationEndpoints have to be pre-registered with the Lync Server <a href="http://thoughtstuff.co.uk/2012/12/walkthrough-creating-a-ucma-application-application-endpoint/" target="_blank">like this</a> and are generally more powerful than UserEndpoints.</p>
<p>However, if all you want to do is send a quick IM and you&#8217;re in an application that already has the user&#8217;s credentials (or you can re-prompt for them), then a UserEndpoint is fine.</p>
<p>Here&#8217;s a quick example showing how to do this. This code will create and establish a UserEndpoint, send an IM and then Terminate:</p>
<p><script src="https://gist.github.com/tomorgan/5083819.js"></script></p>
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		<title>Powershell/.NET AD Search Request for Lync objects without using AD Module</title>
		<link>http://thoughtstuff.co.uk/2013/03/powershell-net-ad-search-request-for-lync-objects-without-using-ad-module/</link>
		<comments>http://thoughtstuff.co.uk/2013/03/powershell-net-ad-search-request-for-lync-objects-without-using-ad-module/#comments</comments>
		<pubDate>Fri, 01 Mar 2013 14:33:52 +0000</pubDate>
		<dc:creator>Tom</dc:creator>
				<category><![CDATA[Development]]></category>
		<category><![CDATA[lundefinedyundefinednundefinedcundefinedpundefinedoundefinedwundefinedeundefinedrundefinedsundefinedhundefinedeundefinedlundefinedlundefineduundefinednundefineddundefinedeundefinedfundefinediundefined]]></category>

		<guid isPermaLink="false">http://thoughtstuff.co.uk/?p=1812</guid>
		<description><![CDATA[This is more of an aide-memoir than anything else, but if you need to get user details, including Microsoft Lync SIP Address and Home Server and you can&#8217;t use Powershell Active Directory Module, then these are the Attribute Names you need to use to query the Lync Extended Attributes using the System.DirectoryServices.Protocols.SearchRequest class. (and I [...]]]></description>
				<content:encoded><![CDATA[<p>This is more of an aide-memoir than anything else, but if you need to get user details, including Microsoft Lync SIP Address and Home Server and you can&#8217;t use Powershell Active Directory Module, then these are the Attribute Names you need to use to query the Lync Extended Attributes using the <a rel="nofollow" target="_blank" href="http://msdn.microsoft.com/en-us/library/3zehykew(v=vs.80).aspx" target="_blank">System.DirectoryServices.Protocols.SearchRequest</a> class.</p>
<p><script type="text/javascript" src="https://gist.github.com/tomorgan/5064937.js"></script>(and I wanted to play with Gist). Initially, I couldn&#8217;t find the correct names to use to pull out the SIP Address and Home Server. I&#8217;d already written something to get back users:<script type="text/javascript" src="https://gist.github.com/tomorgan/5064973.js"></script></p>
<p>and was getting the information I need back using this:</p>
<p><script src="https://gist.github.com/tomorgan/5064983.js"></script></p>
<p>but it wasn&#8217;t working when I added <em>msRTCSIP-PrimaryUserAddress</em>  into the Attributes list. I found out that if you left out the Attributes.Add entries completely, and didn&#8217;t have any, you got back <strong>all</strong> the Attributes. That meant I could scan the list, and find out that what I should be looking for was <em>msrtcsip-primaryuseraddress</em> &#8211; turns out it&#8217;s case-sensitive.</p>
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