Kitesurfing Insurance
Sport-specific travel cover for kitesurfers
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Kitesurfing equipment cover
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Emergency medical expenses & repatriation
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Trip cancellation cover
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What does kitesurfing insurance cover?
Kitesurfing travel insurance is designed for riders heading abroad for a kitesurfing holiday, training camp, guided course or one-off experience.
Our complete travel policy combines specialist kitesurfing cover with essential protection for the whole of your trip.
You’ll find specific sport cover including kitesurfing equipment, search and rescue and kitesurf activity fees, for sessions and competitions. Cover can also include emergency medical treatment and repatriation, trip cancellation and curtailment, baggage, personal accident and more.
Alternatively, our kitesurfing travel bolt-on can extend an existing policy to cover the activity for a single day, short break or longer trip. It can also be added after your journey has started.
Our policies provide three different types of cover: Sports travel insurance, Sports accident, and Activity Top-Up. Please ensure you select the most suitable cover for your activity, when you get a quote and always review your policy documents.
Sports equipment is excluded under our bolt‑on cover.
Only a summary of the policy’s coverage is presented on this page. Please refer to policy documents for full details of what is and what is not covered, when you get a quote.
How much does kitesurfing insurance cost?
Your kitesurfing insurance premium will vary depending on the plan you selec, Bronze, Silver or Gold, with different benefit limits available across each option.
The price will also reflect your age, destination and the length of your trip.
For kitesurfers, equipment can be an important consideration. If you want additional protection for higher-value kit such as your kite, board, harness or other gear, increasing your equipment cover can raise the overall premium.
Review our kitesurfing insurance pricing example and get a quote tailored to your trip.
Quote example
£18.44**
Example quote is based on:
- Sport Selected Kitesurfing
- Sports Group Group 1
- Package Bronze
- Policy Single Trip Travel Policy
- Duration 5 days
- Destination Europe
- Emergency Medical Treatment £10,000,000
- Trip Cancellation £1,000
- Sports Equipment Cover £200
- See more benefits when you get a quote
**This example is based on a real quote from our website on 15/09/2026 for a 5-day, single trip, adult policy. It is shown for illustrative purposes only. If your circumstances or requirements differ, your quote may be higher or lower. The quote you receive will be based on the information you provide about your activities. Get a quote for pricing tailored to your requirements.
Why you need kitesurfing travel insurance
Wind, water and weather create added risks
Kitesurfing accidents may require emergency medical treatment or repatriation, leading to significant costs overseas.
Specialist gear needs specialist protection
Kites, boards, harnesses and other essential gear may not be covered by standard travel insurance if lost, stolen or damaged.
Disruption can affect your whole trip
Illness, injury, cancellations or travel delays could mean missing pre-paid lessons, coaching camps or planned kitesurfing experiences.
Hear from our experts
“Kitesurfing trips often depend on the right wind, suitable conditions and having your essential equipment arrive safely. An injury, damaged kite or disrupted journey can quickly affect both your time on the water and the wider trip.
Choosing suitable equipment, riding within your ability and following local weather and safety guidance can help reduce the risks. Even with careful planning, sudden changes in conditions, accidents and travel disruption can still happen.
Our kitesurfing travel insurance is designed around the demands of the sport, with cover for emergency medical treatment and repatriation, trip cancellation, travel disruption, kitesurfing equipment, search and rescue costs and other unexpected expenses.
We’ve supported kitesurfers and water sports travellers for more than 30 years, so you can focus on the wind, the water and your next session knowing experienced help is available when you need it.”
Chris Trotman – Head of Sales & Underwriting at SportsCover Direct
Thousands rate how easy it is
We’ve refined our process to make buying sports insurance abroad simple but thorough, with cover designed around the activities you take part in, from training trips and competitions to active holidays overseas.
Our Claims Record
Average pay out for each insurance claim
£1,599.09*
How to make a claim
Choose your policy, find the forms you need
Download and complete forms
Submit your claims for review
A Recent Claim Example
“One of our policyholders became unwell while in South Africa to play Cricket. They sought medical treatment and were treated for suspected appendicitis, with symptoms of stomach cramps, high fever and nausea. Because they secured our Sports Travel Insurance, they were covered to seek medical treatment.”
Total Paid Out
£5,971.47
Claim Type
Medical Assistance
Policy Type
Sports Travel Insurance
Incident
Medical assistance
Policy Excess Applied
£90.00
Location
South Africa
Disclaimer
*Data relates to all SportsCover Direct Insurance claims from Jan to Dec 2025 inclusive. Claim example from 2025.
Medical cover explained
We provide cover that considers your medical circumstances. Complete a medical declaration to ensure you’re properly protected, as part of the quotation process.*
*Please note, just because you’ve declared a medical condition or injury doesn’t mean it is automatically covered. The insurer needs to assess it first and will inform you by email if any terms apply.
Medical conditions must be declared
All pre-existing conditions considered
Cover available up to age 74
We'll review your details
Most declarations don't mean exclusion
Any terms will be confirmed by email
Browse covered sports and activities
You’ll find a wide range of water sports activities covered, you can add multiple activities to your policy, we cover over 500. Browse our extensive list.
- Aquathlon Insurance
- Canoeing Insurance
- Coasteering Insurance
- Cross Channel Swimming Insurance
- Free Diving Insurance
- Jet Skiing Insurance
- Kayaking Insurance
- Kitesurfing Insurance
- Open Water Swimming Insurance
- Rafting Insurance
- Rowing Insurance
- Sailing Travel Insurance
- Scuba Diving Travel Insurance
- Sea Kayaking Insurance
- Shark Cage Diving Insurance
- Snorkeling Insurance
- Stand Up Paddleboarding Insurance
- Sub Aqua Insurance
- Surfing Insurance
- Swimming Insurance
- Wakeboarding Insurance
- Water Polo Insurance
- Water Skiing Insurance
- Water Sports Travel Insurance
Why choose us
SportsCover Direct is a specialist insurance provider focused entirely on sport. For over 30 years, we’ve helped athletes, teams and organisations get the protection they need, whether they’re travelling, competing, or training abroad or in the UK.
Covering 500+ sports
Fast online quotes
Established over 30 years
UK-based support team
Get specialist cover in minutes
Covering over 500 sports with quick online quotes and UK- based support, if you need it.
FAQs
No, there is not a set wave height restriction on our kitesurfing insurance. You should follow local advice and safety measures when kitesurfing and can see a full list of our general exclusions outlined within our policy wording, when you get a quote.
No, there is not a wind speed restriction on our kitesurfing insurance. You should follow local advice and safety measures when kitesurfing and see a full list of our general exclusions outlines within our policy wording, when you get a quote.
Yes, our Kitesurfing Travel Insurance can generally be taken out even if you have a medical condition. We can almost always offer cover at no extra cost, but occasionally our underwriters may apply special terms if you subsequently needed to make a claim relating to your condition.
Yes, we can cover you for incidents which have occurred during kitesurfing school or lessons, within the general terms and conditions of our policy wording.
We do not stipulate the number of kites and boards we are covering you for under the Sports Equipment benefit of our Sports Travel policy.
We can cover for equipment up to a maximum of £5,600 when purchasing the Gold level of cover and paying the additional premium for the Sports Equipment add on.
Yes, our kitesurfing insurance provides cover for competitions and events where you are competing as an amateur or semi-professional.
Our kitesurfing insurance provides cover for loss or damage to your specialist sports equipment or to equipment hired to you up to £5,600 worth of equipment. Please refer to our policy wording for specified exclusions, when you get a quote.
We can cover you for kite surfing within the geographical zone you have selected when taking out the policy with us.
Our zonal cover is split into the below regions:
- Zone 0 – Country of Residence
- Zone 1 – European countries including Egypt, Morocco and Tunisia
- Zone 2 – Worldwide excluding USA & Canada
- Zone 3 – Worldwide including USA & Canada
Standard travel insurance policies do not always cover hazardous sports. Our Sports Travel Insurance is specifically designed to cover over 500 high risk activities such as bungee jumping, skateboarding, ski-acrobatics and many more.
Our policies are designed to provide cover for amateur sports people only, we are unable to provide you with cover if you are a professional in your sport.
We would class you as a professional if you earn more than £5,000 per year from the sport, are doing the sport as your full-time occupation: paid or unpaid or are on a sports scholarship or on a sports contract.
Yes, we can cover for when you are undertaking kitesurfing lessons or kitesurfing independently providing you are doing so as an amateur.
Yes, we do not stipulate if you will be kitesurfing during the day or night. However, you should follow local advice and safety measures when kitesurfing and can find a full list of our general exclusions outlined within our policy wording.
We separate the sports/activities we cover into Sports Groups ranging from 0 – 7 depending on risk levels.
Kite Surfing sits in our Sports Group 1 category, which means we will cover you for all sports which fall into Sports Group 1 and below.
Windsurfing (within 20km of shore) also falls within Sports Group 1, however Wing Foiling (within 20km of shore) falls into our Sports Group 5 so you would not be covered for this activity by default.
Yes, our Kitesurfing Insurance provides cover for Search & Rescue at sea up to £50,000 under our Sports Travel policy and up to £15,000 under our Activity TopUp policy.
No, there are no seasonal restrictions on our kitesurfing insurance. You should follow local advice and safety measures when kitesurfing and can find a full list of our general exclusions outlined within our policy wording
No, we do not offer different kitesurfing insurance for deep and shallow waters. Please kitesurf within your abilities and where it is safe to do so.
If this damage could be considered as ‘wear and tear’ or is resulting from where the equipment has been exposed to water where it is not designed to be water resistant, then this would not be covered.
Yes, we can cover for equipment you have borrowed from friends providing it is for the purpose of an activity we are insuring you for and you have responsibility for.
Our Sports Travel policy provides cover for damage to Sports Equipment while in transit, providing you have obtained a written ‘Carriers report’ or a ‘Property irregularity report’. However, we cannot cover for loss by airline, you would be required to claim through the airline for this.
There is no cover for Sports Equipment under our Activity TopUp policy.
We can cover you for kite surfing alone or with others, please be aware that the policy will only provide cover for those who are named on the policy.
Yes, our Sports Travel policy provides cover for loss or damage to Sports Equipment hired to you during the trip for the purpose of the activities we are covering you for.
Our policies will cover anyone up to the age of 74 at the time of purchase. An applicant aged 75 or over cannot be covered.
No, our cancellation cover is designed to provide cover for the below scenarios:
- You becoming seriously ill, injured or your death meaning you cannot participate in the activity
- Your flight being cancelled meaning you would miss at least 50% of the planned activity
- The FCDO advise against travel to your destination after you have purchased the policy with us
Yes, providing you can show proof of purchase confirming the value of the equipment we can provide cover for custom kitesurfing equipment within the normal conditions and limitations of our policy wording.
No, drones would be considered as ‘valuables’ within our policy wording which we are unable to provide cover for under our Baggage & Personal Effects, Sports Equipment or Personal Liability benefits.
Our kitesurfing insurance is designed for amateurs and semi-professionals, not professionals. We define a professional as someone earning more than £5,000 per year from their sport, doing their sport as a full-time occupation: paid or unpaid, or on a sports scholarship. We do not require you to have any qualifications, however if you are participating in a competition or event please adhere to their entry requirements.
We can cover you with our kitesurfing holiday insurance providing you are within 150 kilometres of the nearest habitation unless specifically accepted by us in writing.
Theft of equipment when left unattended and not locked in a building or vehicle out of sight would not be covered.
Our Sports Travel Insurance policy provides up to £5,600 worth of equipment cover. This add-on not only protects your own equipment, but also any equipment you hire during your trip. It also covers your kitesurfing equipment in transit to and from your destination.
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