Surfing and Surfboard Cover
Planning a surfing holiday, whether you are learning to surf through to being experienced enough to confidently drop into hollow reef breaks, surfing has its risks and that’s why it’s important to stay safe in the line-up.
Am I covered surfing by travel insurance?
There are numerous scenarios around surfing misfortunes and travel insurance, although this could take a while here are a few common questions to consider.
Remember: travel insurance is there for things that might go wrong and will not cover extreme risks, medical conditions that you have before you travel, deliberately putting yourself in danger or anything that involves alcohol or drugs.
Am I covered if I get seriously hurt while surfing?
Yes, you are covered by travel insurance for medical emergencies and treatment from shark bites and from injuries as a result of hitting the reef. You should contact the emergency assistance providers as soon as possible so they are able to get you the best medical treatment worldwide.
Am I Covered if my flight is cancelled due to natural disaster like the Bali ash clouds?
Provided you have already purchased your policy, then Yes! The sooner you purchase travel insurance the sooner you have cover for pre-paid deposits and travel arrangements. You should ensure your travel insurance policy has cover for cancellation costs and travel delay due natural disasters and severe weather including volcanic ash clouds.
Generally, cancellations and delays are covered by the airline, the insurance underwriter will cover additional expenses but require you to keep the costs and expenses reasonable and get a written confirmation of your claim with the airline. All travel insurance policies will require the event to have begun after you have been issued with a certificate of insurance another reason not to leave purchasing travel insurance till you are at the airport.
Is my board covered if it breaks while surfing?
This all depends on the type of travel insurance policy you take out. Read your policy wording thoroughly to see if your board is ‘covered whilst in use’. Most insurers do not cover your surfboard while you are using it, however some policies may cover your surf board if it is lost, stolen or damaged while traveling as part of your luggage and personal effects but strict conditions can apply, so make sure you check your policy wording for full details.
If I require repatriation where will they send me?
If it’s agreed that repatriation is necessary, there’s cover for reasonable, additional travel expenses to get you home (your return flight ticket might be used to reduce the insurer’s cost) and other reasonable and necessary additional expenses such as for a medical escort or a friend/relative to travel home with you (or accompany your child if you’re not able to). If you die overseas, then the repatriation cover includes either transportation of your remains or ashes home or your overseas funeral, burial or cremation (not both).
If I get sick or injured and I cannot go on my surf trip or need to come home?
Again, this depends on the travel insurance policy you take and whether it includes cover for Cancellation or Trip Interruption. If you have pre-booked a surfing lesson, flights or accommodation, and you get sick or injured before you leave home and cannot go on your trip, then you may be able to claim for the non-refundable parts of trip that you have to cancel. If your illness or injury interrupts your trip, then you may also be covered for the unused part of your prepaid expenses, less any refunds you receive. Cancellation/Trip Interruption cover doesn’t reimburse you for “loss of enjoyment” or if you change your mind, and may also exclude other scenarios, so read your policy wording carefully.
What to do if I am seeking medical attention?
Get medical help from a medical practitioner, such as a doctor, or by going to a hospital as soon as possible. If it is an emergency situation, contact the local emergency services first, then contact our Emergency Assistance Team as soon as you can.
If it’s not an emergency situation, call our Emergency Assistance Team, and we can direct you to an appropriate medical facility. Remember, if you’re in a country with a Reciprocal Health Care Agreement in place, you must take advantage of the public health system where possible.
One of the best things about surf travel is you get to experience riding your surfboards in world class conditions. Maybe a new custom quiver specifically for your next surf trip location, perhaps you are just taking a couple of old faithfuls overseas again, it doesn’t matter if your surfboards are new or old their covered.
Everyone has a different taste and choice in the type of surfboards they ride, this could depend on the level of experience and wave conditions. Our exclusive surfboard cover will include most surfboard types including shortboards, longboards, fish surfboards, malibu, bodyboards, SUP’s and guns.
Surf Travel Insurance has an exclusive arrangement with the underwriters to amend the PDS wording in relation to surfboards having cover.
This endorsement amends the SureSave Travel Insurance Combined Financial Services Guide and Product Disclosure Statement (PDS) effective 1st August 2019 (including any Supplementary PDS (SPDS) effective at time of purchase).
The policy is amended as follows:
- Under “Restrictions on cover for specific types of luggage” on page 20 of the PDS, in paragraph (a)”Getting cover for sports and leisure equipment (including musical instruments)”, the first sentence is amended to remove “surfboards” from the phrase “(including musical instruments, surfboards and bicycles)”.
Therefore, standard cover (as defined on page 84) is now provided for surfboards at no additional premium, up to the standard item limit of $700 per item, and cover is on a depreciation basis.
- Higher limits for surfboards can still be purchased under the New for Old Luggage Option, up to a maximum item limit of $4,000, by specifying the item and paying the additional premium quoted. Cover is then on a replacement cost basis, per the terms and conditions of this option.
- Cover is still excluded for surfboards in use, as stated in the paragraph “The ‘in use’ rule” on page 20 of the PDS.
- All other policy terms and conditions continue to apply.
Taking Expensive Surfboards and Equipment
Adding New for Old Luggage cover for your sports and leisure equipment (optional cover)
You can add New for Old Luggage cover for your sports and leisure equipment (including musical instruments) by adding them as specified items and paying an additional premium at the time you buy your policy. Your sports and leisure equipment will then be covered for its replacement value – up to the amount you specify – except for when it’s in use (see “The ‘in use’ rule” to the left).
You may also wish to add New for Old Luggage cover for your winter sports equipment even if you’re purchasing the Winter Sports Option, so that it’s covered for its full cost rather than its depreciated value.
Note: You can’t take out New for Old Luggage cover for watercraft (other than surfboards, windsurfers or kite surfing boards).
New for Old Luggage Option (optional cover)
All specified items receive New for Old Luggage cover if they are stolen, accidentally lost or accidentally damaged – except sports and leisure equipment in use (see The ‘in use’ rule on page 20).
How much extra cover can I add?
You can add up to $10,000 worth of specified items – with a maximum amount of $4,000 for each individual item.
The difference between ‘New for Old’ cover and ‘Depreciated value’
SureSave standard cover will cover your luggage items for their ‘depreciated value’. SureSave calculates the depreciated value for each item by deducting an amount for the impact of age and wear and tear from the item’s original purchase price. So, if your three year old surfboard is stolen, we’ll pay you an amount that we determine reflects its current value – the ‘depreciated value’ – rather than the cost of a new one.
However, if you would like to insure some of your items – such as your surfboard, mobile phone, camera or iPad – for their full cost, you can choose to add extra cover for them with SureSave, New for Old Luggage Option.