The SSF want its members to have an enjoyable time as possible when surfing. It is however recognized that accidents can happen and when they do in the surf sometimes these can have serious consequences. To give further protection for its Active Members the SSF have teamed up with Offsure (Specialist Surf Insurers) http://www.surfoffsure.co.uk to provide its members with 3rd party Liability cover. Whether you are a beginner starting to find your way in the water or a seasoned surfer this cover provides additional assurance that you will be protected no matter what happens.
Please see below our list of Frequently Asked Questions;
What exactly is it I am covered for?
Active members are covered for 3rd Party Liability. This includes injury to a 3rd party caused by the insured for £2,000,000.
How do I make a claim?
In the unlikely event of a claim please contact the SSF who will liaise with Offsure direct and they will direct you to the claims handlers who will take you through the process step by step.
What information do I need to make a claim?
The claims handlers will require a claim form completed and the rest of the information will vary from case to case.
Are there any times my insurance is not valid?
The policy covers recreational surfing worldwide but excludes the USA and Canada. Therefore, the client would not be covered for 3rd liability if they were surfing in the USA or Canada. The policy would not cover any professional activity or Professional Competitions.
Do I need to have any qualifications (surf or lifesaving) for the insurance to be valid?
No.
Does the insurance cover all levels of participant (Beginner through to expert)?
Beginners and experts are fine but no professional surfing.
Does the insurance cover me when I’m surfing both recreational as well as at a competition or surf event?
The policy would cover you for surfing recreational and at events but on an amateur level only.
Is the insurance valid when participating at all coastal locations within the country (from beach through to reef)?
Yes unless advised against by local authorities or emergency services.
If I was to damage my board when I’m in surfing can I make a claim to get it fixed?
No this policy covers 3rd parties property only.
Is the insurance valid in the rest of the UK as well as Scotland?
Yes.
I’m from the UK and living in the UK does the insurance cover me when I’m surfing overseas?
Yes - however this will have to be under UK Jurisdiction basis at all times. (UK Jurisdiction means that if a liability claim was to be made then the claim would have to be processed and would proceed through UK Courts).
I take part occasionally in professional surf events am I also covered for these activities also?
No, cover is not valid when competing or whilst working professionally only for when surfing recreationally.
I’m from the UK and living overseas am I still covered when surfing outwith the UK?
We can cover British citizens who live overseas – however this will have to be under UK Jurisdiction basis at all times. UK Jurisdiction means that if a liability claim was to be made then the claim would have to be processed and would proceed through UK Courts.
I’m not from the UK and just visiting does the insurance cover me when I’m here and surfing back home?
The insurance would only cover UK domiciles.