Everything you need to know about kitesurfing insurance

Everything you need to know about kitesurfing insurance

Kitesurfing has traditionally been a water sport that involves riding a board on a wave of water while being pulled by a kite. Having experienced full expansion in the 2000s, the sport now attracts thousands of followers.

And like any sport, kitesurfing also comes with risks. This implies that neophytes of this sport or confirmed followers should turn to kitesurfing insurance.

This alternative makes it possible to cover both physical and material damage that could occur. This article will tell you a bit more.



The guarantees of kitesurfing insurance
Kitesurfing or kiting is seen as a sport in its own right, very upscale with both exciting and extreme practices.

Draining more and more followers, the sport is attracting envy from both federations and insurance companies. These companies define specific contracts that make the sport safer.

Derived from surfing, kitesurfing is considered by many to be a high risk sport. And in France, this sport is under the control of the French Federation of free flight.
Aware of the risks that its adapters take, the insurance agencies have found it appropriate to define a certain number of risks that will be the subject of kitesurfing insurance.

Among the many guarantees is civil liability. Indeed, the latter takes into account the pecuniary repercussions which may result from bodily injury or material damage.

These are the damages that the insured could cause to the third party. Kitesurfing insurance covers the insured whether he is an amateur or not, whether the damage was caused during a competition or not.

Added to this is the bodily harm that practitioners can suffer. Here, kitesurfing insurance will cover funeral or disability costs.

Some contracts even cover medical costs in addition to social security. Likewise, some others go so far as to pay compensation following temporary incapacity for work.

Finally, kitesurfing insurance can also take into account the multiple damages that your equipment may suffer.
This coverage not only extends to damaged goods but can also include stolen material. Note that this guarantee is restricted to the occurrence of the events described in the contract.

kite surf insurance

How to choose your kitesurf insurance?
As the practice of kitesurfing is regulated, the guarantees resulting from kitesurfing insurance can be offered by the agency in charge of its regulations. You can also personally decide to subscribe to it. In either case, you need a guarantee.

Contracts submitted by brokers
Remember that for the safety of property and people, some sports agencies or federations are quick to offer their members insurance contracts. The principle is just as valid for kitesurfing, especially since it is an extreme sport. Thus, the French free flight federation can submit a kitesurfing insurance policy to its members.

Beyond a simple suggestion, this contract can sometimes be enforced. This is the practice we observe in the event of competition. Without kitesurfing insurance from brokers, you cannot take part in kitesurfing competitions.

This guarantee covers both civil liability but also offers optional guarantees in the event of bodily injury or material damage.

Contracts already taken out
Apart from various agencies and federations, a kitesurfing enthusiast can freely take out kitesurfing insurance. In this case, he has two options. He can either take out insurance on separate risks or choose comprehensive home insurance.

Comprehensive home insurance is a combination of facts, the occurrence of which would engage your civil liability.

It certainly protects you from the point of view of civil remedies, but not from the point of view of criminal liability. Certain clauses of this contract may also relate to individual coverage.
This is then the case of the GAV (life accident guarantee) which covers the insured for the practice of amateur sports. The coverage of the GAV also extends to the protection of his family against possible accidents of daily life or private life. Even if the latter are not necessarily subject to protection from other insurance companies.



Some precautions to take
You can decide to take out an insurance contract on a personal basis or through an association or federation. Make sure beforehand that the various insurance contracts that are submitted to you cover the practice of kitesurfing. To do this, you must read the contract carefully so as not to subscribe to a contract without kitesurfing insurance.