The Government of the Canary Islands has modified the amount of coverage of the Active Tourism accident insurance that it had established in the Active Tourism Decree approved on November 13, 2017. The decree establishes that Active Tourism companies or professionals must have accident insurance. This insurance must guarantee search, rescue, transfer and assistance services for accidents that occur in the provision of active tourism activities. It must also include the payment of the fees that may accrue for these concepts. (check the amounts of the fees here), as long as they entail the mobilization of personal and material means assigned to the Emergency and Rescue Group of the Autonomous Community of the Canary Islands.
What amount should the Active Tourism Accident Insurance in the Canary Islands cover?
Initially, the Active Tourism Decree established a minimum amount of €600.000 for accident insurance coverage. Given this situation, Canarisk Correduría de Seguros contacted the Government of the Canary Islands to communicate that this amount was excessive and no insurance company could offer such coverage. For this reason, last August 13 the The Government of the Canary Islands modified the amount of the accident and assistance insurance coverage to €6.000.
How to take out the most suitable active tourism accident insurance in the Canary Islands?
When contracting your accident insurance, we recommend that you review four main aspects of your insurance:
- The amount of the different coverages that your insurance includes must amount to 6.000 €.
- The accident insurance for Active Tourism in the Canary Islands must include the rescue and transfer coverage (*) of the insured with a capital of €6.000.
- The activity you carry out must be correctly specified in the particular conditions of your insurance. The usual thing is that an active tourism company carries out several activities, so all must be included. In this way, in the event of a claim covered by the policy, you will have coverage (if you suffer a claim in an activity not specified in the insurance, it would not be covered).
- Make sure that your policy covers all users who participate annually in your activities. Usually these insurances are calculated based on the activity and the number of users, so you must have control of the people who come to your activities, in order to make an annual calculation and include them in your insurance.
(*) Rescue and relocation coverage is not usually included in accident insurance. In addition, many general insurance companies include this coverage, but with insufficient capital. For this reason, it is necessary that you have insurance companies specialized in active tourism insurance. They must also include a redemption and transfer capital of €6.000 or more.
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