If you think your kit is comfortable, then I would say certainly. Bear
in mind that the water may be considerably warmer than that which you
trained in, so if you have a two part wetsuit you may get away with only
one bit of it. Having your own kit will also allow you to snorkel
whenever you feel like it, without having to hire any bits of kit.

It's worth going through the policy in detail. Many of the cheapo ones
include diving 'to the limit of your qualification', which is fine, but
a number only include 'diving with an instructor'. The gold standard in
my book is that offered by divemaster - I get year round multi trip
cover (both general travel insurance and diving specific medical care)
for about £120. I'm not sure what their rates are for single trips, but
they should be competitive.

http://www.dive-master.net/dmuk.html

Ben

Your own kit is always more comfortable - more familiar - than hire stuff.
However it also depends on how much diving you plan to do. Is it worth
taking an extra 30kg of stuff between you for ONE dive? (This assumes you
have pretty much everything you might need other than weights and cylinders
and you have LIGHTWEIGHT everything). The cost of hire and the number of
dives you plan to do are crucial in making your minds up. DON'T FORGET YOUR
CERTIFICATION CARDS!!

Taking your snorkelling kit is ALWAYS recommended as they barely take up
much weight or space and you can use them any time.

As ever, the devil's in the detail. You could get specialist dive isurance
(which does not include travel insurance) quite inexpensively from DAN, in
addition to your existing insurance. Or you could get a policy that covers
everything from Buddy. OTOH your existing policy might be fine. Look these
up on the web and compare. You pay the money, you make the choice.

Happy diving (and other holiday pursuits)

Ken

This depends on the weight allowance plus (don't forget) the extra
weight for qualified divers.

It's in the wording of the policy. If the wording refers to an
'incidental basis' of risks. (Often referred to as Grade 1 cover ) You
are not covered 'if you intend to dive' and by taking your own gear you
intend to dive. If you don't take your own gear and dive more than once
this exceeds the policy cover as it is not longer on an incidental
basis.

You need 'Grade 2' to go SCUBA diving as a minimum.

Don't believe the travel agents if they tell you otherwise.

There is only one way to know whether your insurance covers you, and that is
by checking with the insurance company. What other people's insurance
covers/does not cover, is totally irrelevant; and if the worst happens,
saying that you asked people on the Internet will not wash with your
insurance company.

If you are not covered, I can recommend Dive Master Insurance mentioned
elsewhere in the thread. We have used them as a "top up" for my family's
annual travel insurance for the last few years. On the only occasion we have
ever had to claim (50 US dollars for a minor accident/A&E visit in Bonaire),
they handled it very quickly and efficiently, with no excess.

Enjoy your holiday!!!