Indian Point in St. Margarets Bay offers a shallow reef and kelp forest environment suitable for beginners. Divers and snorkellers can explore depths ranging from 3 to 18 metres, with an average depth of 6 metres. Access is available via both shore entry from the roadside or by boat charter. Conditions feature mild currents and visibility between 5 and 15 metres. Water temperatures fluctuate significantly throughout the year, ranging from 2C to 14C. Hazards include boat traffic and surge, particularly during northern or northeastern winds. Species recorded around this area include common lobster, rock crab, cod, and various seals.

Hubbards Shrimp Cannery Beach is a shore-entry site in St. Margarets Bay featuring a combination of rocky reef and kelp forest. Divers typically explore depths between 5 and 20 metres, with an average depth of 15 metres. Visibility generally ranges from 9 to 12 metres. The site is suitable for beginners, though the cold water temperatures, which fluctuate between 2C and 14C, require appropriate thermal protection such as a drysuit or thick wetsuit. Divers should exercise caution regarding surge near the rocky substrate and monitor depth closely, as significant drop-offs reaching 30 metres exist in the area. Parking is available directly at the site.

Fox Point Beach in St. Margarets Bay is a shore entry site suitable for beginners. The topography features a shallow slope starting with small and large rocks, transitioning into a sandy bottom. Depths at this site reach up to 1 metre. Conditions are generally mild, though divers and snorkellers should be prepared for cold water temperatures ranging from 2C to 17C and a mild surge. The site is well-suited for training and provides a beach area for surface intervals. Due to the shallow nature of the site, it is accessible for both diving and snorkelling activities.

The Fish Shack in St. Margarets Bay is a compact site featuring a combination of natural reef and artificial structures. Suitable for beginners, the site ranges from 5 to 12 metres in depth with an average of 8 metres. Divers experience mild currents and visibility typically between 9 and 12 metres. Shore entry requires caution due to surf and shore break; divers should time their entry during a lull. Water temperatures vary significantly from 2C to 16C, necessitating appropriate thermal protection. Parking is available on site, facilitating gear setup for the typical 45-minute dive. Hazards include sharp rocks and sea urchins during entry, as well as sharp structures on the reef.

Mill Cove Wharf Beach Side in St. Margarets Bay offers a diverse underwater environment featuring muck, reef, and kelp forest topography. This shore-entry site is suitable for beginners, with depths ranging from 1 to 20 metres and an average depth of 7 metres. Divers should be prepared for cold water conditions, with temperatures fluctuating between 2°C and 14°C throughout the year. The site is located at a working fishing wharf, requiring caution regarding boat traffic and potential entanglement hazards. Visibility typically ranges from 9 to 15 metres. Parking is available on the roadside, and guided tours are offered for those visiting this active coastal location.

Birchy Head in St. Margarets Bay features a wall and reef topography suitable for intermediate divers. The site offers an average depth of 15 metres, with a range between 14 and 17 metres. Access is via a shore entry involving a steep slope and a climb over a guard rail. Divers should be prepared for cold water temperatures ranging from 2C to 16C and visibility between 3 and 8 metres. Conditions include mild currents, though hazards such as surge, surf, and entanglement risks are present. Typical dives last approximately 45 minutes. Parking is available on the ditch side of the road near the marked dive flag sign.

The Lodge in St. Margarets Bay is a reef and artificial reef site suited for advanced divers. The topography features a rocky shore entry that requires caution due to slippery rocks and seaweed. Divers can expect depths ranging from 3 to 40 metres, with an average depth of 8 metres. Conditions include mild currents, visibility between 7 and 9 metres, and cold water temperatures ranging from 2 to 9C. Hazards include boat traffic, surf, surge, and low visibility. Species recorded around this area include common lobster, sea raven, wrasses, righteye flounder, rock crab, and cod, alongside rare sightings of Atlantic wolffish and gray seal.

Paddy's Head in St. Margarets Bay offers a diverse marine environment featuring reef, kelp forest, and seagrass habitats. This shore-entry site is suitable for beginners, with depths ranging from 1 to 18 metres and an average depth of 7 metres. Divers and snorkellers can encounter common species including lined seahorses, common lobsters, sea ravens, righteye flounder, rock crabs, and mauve stingers. Less frequently, torpedo rays, flying gurnards, grey triggerfish, spotfin butterflyfish, pipefish, cod, and shrimp are recorded. Visibility typically ranges from 6 to 8 metres. Be aware of cold water temperatures, boat traffic, surge, and potential entanglement hazards. Parking is available near the site.