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powersloshin said..
This is an interesting topic and i was thinking also what would happen if by accident we ran into a swimmer or another windsurfer and it was our fault? what sort of insurance policy is available that does not cost a fortune?
Having recently returned to sailboarding after many years off I wanted to make sure that I was covered for exactly this eventuality.
I rang SGIO, who are my household contents insurers, and found that, provided I am not sailing in an organised competition, race or regatta or for reward, I am covered under my Public Liability Insurance section against injuring others. Being under the influence of drugs or alcohol would nullify the policy.
I suspect that other insurers do the same thing.....might be worthwhile checking?