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Insurance for water sports schools, instructors and tour operators
Schools and instructors have special insurance requirements. Generally speaking the normal standard products from the insurance industry don't provide adequate coverage. Which is why SüdwestRing has developed a special insurance concept, working in close cooperation with the relevant associations.
Enquiries:
For quotations, contract questions and making
claims:
SüdwestRing Versicherungsmakler GmbH,
Abt-Hyller-Str. 4, D-88250 Weingarten, Telefon
0049-(0)751-56036-0, Fax +49 (0)751 56036-25,
email
info@suedwestring.de
Types of insurance available:
- GENERAL LIABILITY INSURANCE
for schools - PROPERTY INSURANCE
School equipment, fixtures and fittings Boat insurance - HEALTH INSURANCE
Expatriate
General liability insurance
Why should I take out liability
insurance?
Accidental damage to property or injury to an
individual can happen very quickly in the world
of sport. Liability insurance protects you from
claims from a third party.
for schools:
A school can take out public liability insurance to meet its needs from our building-block system, for all areas of activity carried out at a watersports school: instruction in use + hire of sailing/motorboats, catamarans, windsurfing und kitesurfing.
Individual modules available from us:
Third-party insurance for self-employed staff
(so instructors who are not employees do not
have to take out their own professional
liability insurance)
Personal liability of students
Liability insurance for boats
Liability insurance for events, excursions
Generell Schutz in ganz Europa und für
Segeltörns weltweit.
General protection throughout Europe and global
protection for sailing trips. Schools outside
Europe are insured at their respective school
sites (named in the policy)
All schools can be insured except those in the
USA und Canada.
Additional risks that can also be covered by
insurance: towing on the water (waterskiing,
banana boat, tube), bike hire, parasailing ...
(just get in touch and ask us)
We'll be happy to provide you with a
individually prepared quotation.
Property Insurance
Physical damage and inventory insurance for watersports schools and clubs
... Your fleet of boats are washed up on shore by a storm and destroyed
...your boathouse is broken into and tools, outboard engines and most of your school equipment is stolen
... a short-circuit results in your entire inventory going up in smoke Who's going to pay for the replacement
With our new general policy you no longer need to have a variety of property insurance policies. You can now insure against existence risks. Damage, office and inventory insurance are covered by the insurance.
Items insured
School and hire vessels, windsurfing and
kitesurfing apparatus, rescue boats, sails/rigs,
wet- and drysuits, training material, tools,
office and store fixtures and fittings etc.
Risks insured
Fire, lightning, explosion,
Mains water
Force majeure, unforeseeable emergencies
Storm and hail
Transport accident
Collision with watercraft
Burglary
Theft of boats and equipment ashore and on the
water
Storage
Building with solid walls and a solid roof
Steel container
Steel cage with solid steel bars/rods. The
contents of the cage must be protected from view
by side panels. Removal of the insured contents
of the cage by pulling them out above ground
level or by digging through under the cage must
be impeded.
Boats in the open and on the water
Sum insured
The sum insured for sailing boats and motor
boats is the current replacement value and is an
incontestable value. For all other school
equipment, fixtures and fittings, the current
replacement value applies for the first 5 years
and thereafter the written down replacement
value applies and is an incontestable value.
No claims bonus, excess
With a no claims bonus of up to 60% (after 5
years) and varying levels of excess, of €500,
€1,000, €2,500 and €5,000, you can considerably
reduce the premium payable, limiting your
insurance protection to major risks that
threaten the continued existence of your
business.
We would be happy to advise you in person or by phone, and provide you with an individually tailored quotation. Give us a call or fill out the questionnaire for a quote.
Downloads:
Check list to calculate the sum to be insured
QUESTIONNAIRE on risks for inventory and
physical damage insurance
Application/order to cover for physical injury
and inventory insurance
Boat Insurance
Public Libality insurance for sailing and motor boats
To enable us to provide with a quotation would you please send us more detailed information us to the type of boats, waters where they operate, sail area in square meters, PS/KW where applicable, maximum speed. Once we have recieved this we will prepare and send you a specially tailored quotation.
Health insurance
Why bother with health insurance?
You never know when you might have to go to
hospital or need dental treatment. Operations
are usually expensive and overstretch the
finances. That's why we have suitable
alternatives for you:
Expatriate
Overseas health insurance + protection during short-term stays at home
For people who don't have any parallel coverage at home in Germany.
For VDWS members there are a number of choices available. See below for a sample extract from the services available:
Description of services
100% outpatient treatment
100% medicine, treatment and surgical dressings
100% unlimited dental treatment (simple
execution, no inlays, Onlys)
80% dental prosthesis up to a total of €2,000
within 2 years (€3,000 within 3 years, from year
4 €4,000) - qualifying period 8 months
100 % inpatient treatment as private patient in
two-bed room (pregnancy - qualifying period 8
months)
Transport to the nearest hospital
Medically necessitated repatriation from abroad
to Germany and transport in the case of death
(max. €5,000 within Europe, €10,000 from the
rest of the world)
General terms and conditions
The contract can be can be cancelled at 14
days notice before the end of a month. Insurance
available to both German and non-German
applicants
The contract cannot be extended beyond the
insurant`s 65th birthday.
No medical required (however pre-existing
medical conditions at the time of taking out the
insurance are excluded)
Insurance protection for temporary return to Germany of up to 6 months a year
Visits to USA/Canada for up to 1 month without Wohnsitznahme are also insured
Premium VDWS member:
excluding USA/Canada 128,10 € Annual excess 0,00
€
Premium family members (e.g.
children, husband or wife):
excluding USA/Canada 178,50 € Annual excess 0,00
€
Surcharge for payment by credit card (Visa, EC/MC, Diners Club) 6%, premium inc. USA/Canada on request
