Luna

I would like to know what insurrances every divers should have, and which are the add-on insurrances and in what cases are they good to have?

Cummings

I think you regular insurance program can cover your diving hobby. But just to make sure here is a list of links offerring insurance for divers which may help you in deciding the appropriate insurance program for you http://www.101scubadiving.com/directory/insurances.html as a professional diver or just an enthusiast diver.

scuba jerm

You should also check out the DAN insurance program.... It's obviously specific to diving so the plan you purchase covers everything from accidents to lost or stolen gear. A must have in my opinion, and it's only like $80 for the year. Not bad considering if you ever did need to be treated for decompression illness (most normal insurance companies don't cover that expensive treatment)

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Scuba Jerm