Windsurfing insurance: protecting windsurfers and windsurfing equiment

Windsurfing insurance is a great way of protecting your life and your equipment, in case of accident, loss or damage. There are several windsurfing insurance options, if you've decided to cover your wind sports activity.


Windsurfing insurance can be extremely useful because it includes theft clauses, ashore problems and hospital care. You can protect your sail, windsurf board and life. On your side, there's a very competitive insurance market, although you might not have noticed it.

Windsurfing insurance schemes have been covering sailors for a long time. Viking Insurance started a special water sports coverage 25 years ago and their comprehensive policies start at only £18.95. It includes medical benefit, worldwide and third party cover.

UK leads the windsurfing coverage market and the offer is very wide, in the broader marine insurance segment. Bishop Skinner believes the windsurfers tend to own more than one board, so they've designed their insurance policies in a different way to others.

A personal windsurf insurance investment is the best way to avoid those sailing sessions that may not always go as planned. Noble Marine covers accidents to a limit of £5,000,000 and offers a windsurfing insurance program that can subscribed online.

Towergate Insurance also wants a share of the market and has designed a windsurfing insurance policy that includes damage to the board equipment while in transit, excluding scratching and bruising, if you're in UK and Europe.

Members of the US Windsurfing Association (USWA) can get access to equipment insurance that covers all risks, with a very low premium of only $100.

The cost to insure your equipment is 2% of the total value of the equipment listed on the application to the USWA and the windsurfing insurance is provided by The David Agency.