I'm a dive master (never employed only certified) and have never carried insurance for my recreational dives. I also never dive anywhere without a guide. Guides know all the "sweet" spots where during certain times of the day you can see certain things.
Plus by taking a guide you don't have to plan your own dives (if your doing it for recreation why bother. I do only because I now am only able to dive once maybe twice a year.
If any divers here get a chance to be in the Borneo area, you ABSOLUTELY have to dive the Sipadan Islands! When I was there in 2001 you could live on the island and it was/is a turtle sanctuary. Absolutly the most stunning dive location I have ever been too.
Diving with Hammer Heads in Layang Layang is supposed to be pretty sweet. I haven't been there yet. (when kids grow up maybe!)
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