Why Windsurfers Need Insurance

Windsurfing insurance or sailboard insurance as it is sometimes called, can be a fairly low cost expense. Most insurance companies will offer cover for your windsurf board on coastal and inland waters. They will cover you during travelling to and from the water and also if you store your board in a secure locked area.

Standard practise is to provide cover for accidental loss or damage, fire and theft. Your policy should include Public Liability insurance, as this is often a requirement before you are allowed on many inland waterways.

Windsurfing on a lake or loch in the UK is now carefully monitored and some offical will no doubt ask you if you have Public Liability insurance at least. Why? Well if you cause damage to other craft or people they will want compensation for the damage you have caused. So insurance is not only sensible to have but also a requirement.

Your policy should also have Personal Accident as well as Personal belongings cover. Some policies offer Hire of Replacement equipment as well as Salvage charges being covered, in case you lose your gear. Remember your windsurfing equipment is costly and replacement prices are increasing all the time, so it is essential that you have insurance in place to cover this gear!
Using a sailboard in high winds is exciting. It is also extremely hard on all your equipment and the unexpected breakage or loss can occur, which will need to be bought out of your pocket. Unless you have the necessary windsurfing insurance in place!