KITESURFING INSURANCE

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 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.

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.

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.

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 with our kitesurfing holiday insurance providing you are within 150 kilometres of the nearest habitation unless specifically accepted by us in writing.  

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.  

Yes, our kitesurfing insurance provides cover for competitions and events where you are competing as an amateur or semi-professional.  

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, 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.  

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 

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.  

Yes, we can cover for when you are undertaking kitesurfing lessons or kitesurfing independently providing you are doing so as an amateur.  

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 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.  

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. 

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.  

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.  

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. 

Theft of equipment when left unattended and not locked in a building or vehicle out of sight would not be covered.  

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.  

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. 

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, 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.  

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.  

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, 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. 

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.  

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.