Skydiving Spain - Personal Liability Insurance for jumping in Spain


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Liability Insurance

All students and experienced skydivers have to have third party liability insurance. If you are a new to skydiving you will need to make sure your travel insurance covers parachuting. If you have not got this when you arrive at the dropzone, we can sign you up for FEADA insurance. Can all experienced parachutists please show their national association and / or third party insurance documents when they arrive.
BPA & FEADA members benefit from third party public liability insurance cover, (within the limitations of the terms of the policy). For example, if you accidentally landed on someone’s car the insurers would be responsible for paying for repairs. However, FEADA members also benefit from personal accident and health cover. This covers you for medical expenses not loss of earnings.
We recommend taking out FEADA insurance whilst skydiving with us. FEADA Costs:

1-month	3rd party, personal accident and health NEW	€60
3-month	3rd party, personal accident and health	€75
Until 31 Dec 2006	3rd party, personal accident and health	€125

Accepting the risk

Although statistics prove skydiving to be nothing like as high risk as some non-skydivers may perceive, it can never be entirely risk-free, as with any action sport. The risk is greatly reduced by strict operational procedures but can never be entirely eliminated. Skydivers must therefore voluntarily accept an element of risk, which is prudent to always insure against.

Paying the bills

There’s also the compensation side of personal accident insurance for which – you guessed – an additional premium is payable. This sort of policy pays out for serious injury such as the loss of an eye or limb or in some cases, death. Some policies may also make a contribution to lost earnings – say you are a driver and your leg ends up in plaster. Who is going to pay your bills and those of your dependents, with no money coming in?

Form EHIC

When travelling within Europe, it’s a good idea to get a Form EHIC – free or reduced cost emergency medical treatment in most European countries. This is the replacement for the E111. Pick up an application from the Post Office – this gives further information on a country-by-country basis. Remember that the EHIC is intended to cover illness and emergency medical treatment. It doesn't cover repatriation to the UK if you have a serious skydiving accident and it doesn't give longer-term cover after the immediate emergency is over – when things can get very pricey.

An EHIC is good to have and can help you out but don’t depend on it to the exclusion of a proper insurance policy. An EHIC form is valid for 3 months while in Spain.

Click here for a form.

Personal Accident Insurers in the UK

Shop around to find the best insurance, and choose between one-off holiday cover and annual multi-trip packages. When choosing, be aware that many insurers will charge an excess. Make sure the policy explicitly mentions skydiving, parachuting and that the insurance includes third-party / personal liability cover for both of these activities whilst jumping in Spain.

4	Sports Cover Direct	0845 120 6400	www.sportscoverdirect.com
4	Columbus Direct	0207 375 0011	www.columbusdirect.co.uk
4	Axa Travel	0870 366 2100	www.axatravel.co.uk

Checklist

4	Always telephone the insurance company when you are taking out the policy. This is to confirm that you doing a skydive and how many jumps you are planning on making.
4	Does the policy cover skydiving accidents?
4	Does the policy cover non-skydiving related accidents?
4	Is repatriation included to the UK?
4	Is there a discount for British Parachute Association members?
4	Confirm the dates match the period when you are at the dropzone
4	What is the maximum cover? £2,000,000 is the minimum advised cover
4	Are there any excesses?
4	Keep the documents with you when you come to the dropzone and in a place where someone can find them
We hope you will never need to call on your insurance. But, unless you have the strength of an insurance policy around you, you could find yourself, and your Nearest and Dearest(!) without adequate protection.