Third-Party Liability Coverage


Tandem Passengers

The instructor is properly licenced and this licence includes Third Party Liability insurance which covers him/her and his/hers passenger in the case of negligence.  Therefore in the case of any injury that would require medical attention the passenger would cover the costs until responsibility is established.  If the passenger requires additional coverage they can become a member of Federación Andaluza de Deportes Aéreos (FEADA) for an additional cost.

All solo skydivers (incl. students) 

All solo skydivers (incl. students) must declare the necessary documents before making skydiving activity at Skydive Spain showing sufficient insurance to cover any medical costs or similar and the mandatory Third Party Liability cover.  EU members are reminded that European Health Insurance Card may not cover all medical costs and does not cover any long term medical or repatriation costs. 

All experienced skydivers who are members of a national association or federation, please double check if third party liability insurance is included in the coverage (incl. Spain) and bring the according documents upon arrival at the DZ.  If there is any doubt over coverage from an insurance policy in any respect Skydive Spain will require the skydiver to purchase a policy with Federación Andaluza de Deportes Aéreos (FEADA).

Some travel insurance companies may provide this liability insurance, but please ask them specifically for a written confirmation. Besides the DZ mandatory third party liability insurance, we highly recommend as well the coverage for personal accident. Please note that UK travel insurance companies may only cover you if you are a UK resident. If you are a citizen of an EU country please make sure you bring your European Health Insurance Card (see notes on EHIC). This card will be accepted in all the hospitals for minor injuries whilst on holiday but not necessarily all skydiving injuries and not for any serious injuries.  

You must bear in mind that any hospital bills will be expected to be paid and that you will then claim the money back from the insurance company.  Make sure you fully understand your insurance policy and methods of claims.

What is Personal Liability / Third Party Liability insurance?

For example, if you accidentally landed on someone’s car the insurers would be responsible for paying for repairs. Or if you accidentally injure another person as you are coming into land your parachute, the insurers would be responsible to cover their medical bills.

USPA and BPA Members

Please remember that unless you are a US resident for USPA or UK resident for BPA, then the Third Party Liability does not cover you when you are not jumping in the US & Canada and the United Kingdom, respectively.  Therefore you must purchase additional insurance when you visit us in Spain.

Accepting the risk:

Although statistics prove that skydiving is not likely 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, 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 (European Health Insurance Card):

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. 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.

Click EHIC details for more info.

Personal accident insurers

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 and that the insurance includes third-party/personal liability cover for both of these activities for jumping in Spain.

Personal Liability/Third Party Liability insurers

Following you find a list of insurance companies which include skydiving for Personal Accident and Personal Liability (third party liability):

Coverage options for UK residents

(ALWAYS CHECK with the provider that the insurance is valid)

Sportscover Direct, Tel. UK:  (+44) 01494 484800 – AFF students ONLY

Select Activity TopUp Insurance if you already have standard insurance, or Sports Travel Insurance if you don’t have general travel insurance in place.

For Your Information: We cannot accept JS Insurance or STA Travel policies, amongst others, as they do not offer third party liability insurance for skydiving.

Useful Insurance Checklist:

When possible always telephone the insurance company when you are taking out the policy. At the very least take time to read the full policy wording to fully understand the coverage.  This is to confirm that you will be doing skydiving activity during your trip to Spain

  • Does the policy cover skydiving accidents and third party liability when participating in skydiving?
  • Does the policy cover non-skydiving related accidents?
  • Is repatriation included to your country of residence?
  • Is there a discount for qualified skydivers?
  • Confirm the dates match the period when you are at the dropzone
  • What is the maximum cover? £2,000,000 is the minimum advised cover
  • Are there any excesses?
  • Keep the documents with you when you come to the dropzone and in a place where someone can find them

Skydive Spain is member of the Federación Andaluza de Deportes Aéreos FEADA who provides third party liability insurance, for people living in Andalusia or out of Spain. If you require our Andalusian FEADA insurance, please tell us in advance upon booking.

Spanish Feada Insurance (third party, limited personal accident and health) for 2024:

  • 1 month (max. date of 31 Dec): 105€
  • 3 months (max. date of 31 Dec): 119€
  • 6 months (max. date of 31 Dec): 183€
  • year until 31 Dec: 222€ (no matter what date you take it out)

If you live in Spain, but not in Andalusia, please let us know as soon as possible to help you.

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