Everything You Need to Know About Kitesurfing Insurance

What is Kitesurfing?

Kitesurfing was invented in 1984 by the Quimpérois Bruno Lagaignoux. This water sports enthusiast had the idea ofassociate a board with a curved wing with an inflatable structure. The latter called “kite” ensures the traction of the practitioner held by toe clips on his board. Kitesurfing combines, according to the desired aspirations, speed and figures of style. Today, kitesurfing includes several disciplines:

• The freeride : he favors gliding on the water by letting himself be guided by the sail;
• The freestyle : it consists in executing impressive aerial style tricks;
• THE waves : it aims to go up the waves to choose the best surfing trajectories;
• The foil : a fin board allows you to take off above the surface of the water to evolve in levitation;
• The longue distance : this race is generally practiced on a marked triangle or W route.
• The speed : it is a question of reaching the highest possible speed on a marked section of 500 meters.

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If the average speed reached in Kitesurfing, all disciplines combined, is around 36km/h, the speed world record holder has exceeded 107 km/h !

Why insure yourself when you practice kitesurfing?

Extreme sport, kitesurfing should be practiced with caution. It is a question of not overestimating your abilities, of mastering the rules of nautical safety, but also of knowing how to analyze the weather conditions. The search for speed or ever more complex and high figures can lead to falls with serious consequences. Poor management of the body of water can lead to equally serious collisions. Excessive risk-taking or an error can quickly lead to various bodily injuries: from minor injuries (bruises and sprains) to death, including fractures or paralysis.

Accidents can cause property damage that can be costly. As such, it is strongly recommended that practitioners take out kitesurfing insurance. Tailor-made for this sport, the latter covers bodily injury and material damage in the event of a claim.

Note:
For thrill seekers, kitesurfing can be combined with other water activities, such as scuba diving. also make sure you have insurance suitable for your practice. Diving insurance can offer you full coverage in case of accidents.

Is it compulsory to be insured?

It is not mandatory to have insurance to practice kitesurfing in France on a personal basis.. But, insurance, in particular civil liability, will be required if:

• You participate in a training course or a competition;
• You join a club of the French Sailing Federation;
• You practice in a professional capacity;

The guarantees of a kitesurfing insurance

Depending on the formula chosen, kitesurfing insurance can include the following guarantees:

• L’liability insurance : it covers bodily injury and material damage caused to others by an at-fault accident.
• The individual accident compensation guarantee : it compensates the insured for the physical consequences suffered during an accident.
• The property damage warranty : it intervenes in case of deterioration, destruction or theft of the kitesurf.
• The repatriation guarantee : it pays for your transport from the place of the accident to your home or a medical structure close to it.
• The juridic protection : it offers legal aid in the event of legal proceedings.

The elements to check on the kitesurfing insurance contract

Before choosing kitesurfing insurance, certain important contractual points need to be checked :

• Whether or not there is a waiting period;
• The geographic area of ​​coverage;
• Guarantees included;
• Compensation ceilings;
• The existence of any warranty exclusions and their nature;
• The amount of the insurance premium.

The right insurance for kitesurfing is the one that perfectly matches your practice of this sport. The coverage offered (guarantees and their scope) must meet your needs. The needs of an amateur are not those of a professional in the discipline.

In any case, do not hesitate to promote competition between different insurers. It is a question of identifying the contract designed tailor-made for you at the most attractive price. For that ; you can contact a few insurers to get quotes and compare them. However, the effectiveness of such a tedious operation remains limited.

Lecomparateurassurance.com provides you with a simple, instant and completely free online comparison tool. All you have to do is fill in the fields and then click to submit your kitesurfing insurance request to dozens of partner insurers. You then receive the selection of the most competitive kitesurfing insurance contracts: you are sure to be insured correctly at the right price!

Like all extreme sports, kitesurfing involves a share of risks deserving a particular sports insurance. Ignoring kitesurfing insurance exposes you to having to bear the financial consequences of an accident yourself. These can be very important. Don’t take that risk! Taking out kitesurfing insurance allows you to practice your favorite sport more serenely while taking full advantage of the sensations it offers !