The Water Sports Safety Tool
Your new safety upgrade for water sports
Whitecaps Products stands for more safety in and around the water. With our new offer of water sports insurance from the VDWS (Verband Deutscher Wassersport Schulen e.V.) "Safety Tool" and "Safety Tool +", we consistently continue our safety-first mission. The VDWS Safety Tool is probably the most widespread safety package for water sports enthusiasts on the market, with around 15,000 people currently insured each year.The VDWS Safety Tool is probably the most popular insurance for windsurfers and water sports enthusiasts in general. The VDWS came up with the Safety Tool concept in close cooperation with the insurance experts of the Südwest Ring, is the first contact address and takes care of the handling of the Safety Tool.
Behind this are of course renowned insurance companies like AXA or Allianz in our current case.
What does the tool cover?
Rented material is covered. So if you rent equipment at a station while on vacation and damage it, you will be reimbursed by the insurance company. Almost everyone has a normal liability insurance.Doesn't this also apply?
Indeed, many water sports enthusiasts think that a normal liability insurance covers such damages. But liability is not comprehensive cover! If there is also personal injury, the case looks quite different.
Does the tool also cover damage to your own equipment?
With the "Safety-Tool-Plus" damage to your own material will be covered, for example if you break your bow on a new board or break a mast in the surf or if the kite hits the water and the cloth tears. At the same time the "Safety-Tool +" is also a family insurance. Partners and children up to the age of 18 are automatically covered, no matter if they surf, kite, sail, kayak, SUP or snowkite. Only competitions are excluded!In case of damage there is a small deductible, for rental equipment this is 50 Euro for all water sports equipment, 100 Euro for boats.
What do the two tools cost?
"Safety-Tool" is available for 39 Euro per year, "Safety-Tool +" costs 99 Euro per year and can be purchased in combination with "Safety-Tool". So for the equivalent of 11.50 EUR per month you, your family and your equipment are completely covered. The only important thing is that you take out your "Safety-Tool" cover at least two weeks before the start of your trip. Those who need it spontaneously can also explicitly waive their right of withdrawal when taking out the Safety Tool and are then immediately on the safe side.
Further information and conclusion
For further information, please read the insurance conditions. They are not complicated and easy to understand. You can download them here. If you have questions about "Safety-Tool", you can also contact our customer support.Insurance information SafetyTool
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Insurance information SafetyTool+
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FAQs about SafetyTool Insurance
1. What is SafetyTool Insurance?
SafetyTool Insurance is a comprehensive insurance for water sports activities. It covers windsurfing, kitesurfing, sailing, stand-up paddling (SUP), kayaking, canoeing, rowing, surfing, wingsurfing, snowkiting, and motorboating (up to 44 kW). The annual premium is 39 euros.
2. Which water sports are covered by SafetyTool Insurance?
SafetyTool Insurance covers windsurfing, kitesurfing, sailing, stand-up paddling (SUP), kayaking, canoeing, rowing, surfing, wingsurfing, snowkiting, and motorboating (up to 44 kW). If you engage in any of these activities, you can benefit from the insurance.
3. What kind of protection does SafetyTool Insurance provide?
SafetyTool Insurance provides financial protection for accidents, injuries, or damages that may occur during water sports activities. This includes medical expenses, liability claims, rescue costs, as well as theft or damage to equipment. For more detailed information on coverage, please refer to the insurance documentation.
4. What is the annual premium for SafetyTool Insurance?
The annual premium for SafetyTool Insurance is 39 euros.
5. What risks are covered by SafetyTool Insurance?
SafetyTool Insurance covers risks such as accidents, injuries, damages, theft, and liability claims
that may occur during water sports activities. However, it is important to review the specific terms and coverage details in the insurance documentation.
6. Does SafetyTool Insurance also cover snowkiting?
Yes, SafetyTool Insurance also covers snowkiting. If you engage in this activity, you are protected by the insurance.
7. Are medical expenses covered by SafetyTool Insurance?
Yes, SafetyTool Insurance covers medical expenses that may arise from accidents or injuries during water sports activities. However, it is important to review the specific terms and coverage details of the insurance.
8. Who can purchase SafetyTool Insurance?
SafetyTool Insurance can be purchased by water sports enthusiasts who engage in any of the covered activities. Both individuals and schools or clubs can take out the insurance.
9. Does SafetyTool Insurance cover theft and damage to equipment?
Yes, SafetyTool Insurance covers theft and damage to equipment during water sports activities. If your equipment is stolen or damaged, you can rely on the insurance coverage. However, it is important to review the specific terms and coverage details of the insurance.
10. Does SafetyTool Insurance also provide liability coverage?
Yes, SafetyTool Insurance also provides liability coverage. If you accidentally cause damage to a third party during water sports activities and are held liable, you can rely on the insurance coverage. For more detailed information on coverage, please refer to the insurance documentation.