Kitesurfing & Life Insurance

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KitesurfingKitesurfing is a great sport that is generally very safe to do, but there can be times that things can go wrong. That is why when you’re applying for life insurance it’s important to find the right insurer that is ok with your kitesurfing.

You can take all the precautions possible to stay safe, but there are some environmental factors that you just can’t count on.

When you speak to our advisers we will ask you:

  • How often do you go kitesurfing?
  • Are you part of a group or solo caving?
  • Do you take part in any competitions?
  • Where do you travel to take part in kitesurfing?

Doing a bit of kitesurfing when you are on holiday isn’t going to cause much concern to the insurers, unless you travelling to high risk locations. Most of the time you will be able to access standard terms for life insurance.

You can find that your premiums can increase if you are travelling to high risk locations or are taking part in competitions. This isn’t always the case it really comes down to your individual circumstances.

Our expert advisers will help find the right insurer for you to get you the best terms for life insurance.

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

Critical illness cover will probably be available to you at standard terms, this means no price increases or exclusions.

But there are certain risks with kitesurfing that can put you at a higher risk of claiming on this policy. Things like traumatic head injuries and paralysis are claimable conditions on most critical illness contracts, so you might find that some insurers are cautious of your kitesurfing.

Our award winning advisers are here to find the right insurer so that you get the best terms for critical illness cover.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Income protection will usually be available with most insurers, but you might find that you need to go to more specialist insurers that can sport your kitesurfing. 

This is because your sport potentially puts you at a higher risk of making a claim on a policy. If you have had any injuries in the past it’s a good idea to make a note of these and when they were, so that we can determine what needs to be disclosed and what doesn’t.

You can find that if you have had any recent injuries that the insurer excludes claims relating to that part of your body. Some insurers put these exclusions on for the entire policy and others may set a limit of 2-5 years, as long as you have not had ongoing symptoms.

Our expert advisers are here to find the right income protection policy to support you and your hobby.


Living healthily and being physically active is something that many of us should try and aim for. By kitesurfing you are being physically active and getting out into nature which is ideal for mental health.

There is a type of insurance that can provide practical financial rewards and lower premiums for being healthy. You can find out more on our healthy living page.

When you are kitesurfing abroad it’s a good idea to make sure that you have the right travel insurance in place, just in case something unexpected happens. You can get your no obligation quotation through our travel insurance page.

Fun Facts

  • The current record for the longest solo kitesurfing distance is 2000km and it took over 24 days!
  • The current record for the longest team kitesurfing distance is 4.509km and was done by going around Great Britain.
  • Kites have been used to aid transport over the ocean since the 13th Century, kitesurfing itself saw the first patent applied for in the 1970s.
  • Airstyle kitesurfing
  • Course racing kitesurfing
  • Foiling kitesurfing
  • Freestyle kitesurfing
  • Freeride kitesurfing
  • Jumping kitesurfing
  • Kiteboarding
  • Park riding kitesurfing
  • Slalom kitesurfing
  • Speed racing kitesurfing
  • Wakestyle kitesurfing
  • Wave-riding kitesurfing
  • Falls
  • Environmental factors
  • Disorientation
  • Exhaustion
  • Equipment failure
  • Location
  • Group
  • Solo
  • Frequency
  • Experience

Common Questions

Hi, it’s great to hear from you. If you already have insurance in place and have just taken up kitesurfing, then you don’t usually have to tell the insurer when it comes to protection insurance. This is life insurance, critical illness cover and income protection. For other insurance types you might have to let them know, you will at least need to double check if there are exclusions for extreme sports.

If you are thinking of taking out insurance right now it’s best to say yes when asked about any extreme sports that you do. It is a specific question and the insurer might not say specifically kitesurfing, but there is usually a question that says any extreme sport. It’s much better to say from the start and make sure that your cover is right and valid, rather than risk not saying anything.

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Review by Harshad on 5th April 2023

Will recommend to my friends and family. Very professional and polite service. - 5 

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Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here


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