Ah I see. so these insurance comanies are more geared towards personal health insurance vs gear insurance, though they do have the option of insuring gear as well. That makes more sense.
I might have to reconfirm this, but when i buy travel health insurance, I'm pretty sure it covers getting bent. I'm in canada, and Canada has universal healthcare, so I think that would cover it as well, though I'd likely have to pay for it myself first.
I would get travel insurance when I lived in the UK. My advice is to check the fine print, some permit diving to your certification and others limit you to 30ft/10m. Also you will need to check the amount they will pay out in case of an accident. But these are easy to spot once you know what you are looking for.