By joining Windsurfing QLD your windsurfing is covered for the club season by the third party insurance policy which is outlined in the PDF download below. WQ offers the policy in connection with the Australian Windsurfing Association, who summarise it as follows:

"The scope of our current insurance package includes all members of its affiliated clubs around Australia in the one scheme. Sailors, social members, committee members and volunteers are all given protection against third party claims. The real benefit of the scheme is that with everyone at an event covered there is no risk that gaps can suddenly appear in the cover if a claim is made.

The policy is strictly third party/public liability and does not cover competitors or officials for injuries they cause to themselves or their own property. It does, however, cover them when they injure someone else or damage someone else's property. The cover is not restricted to organised or sanctioned events. It is available to members 24 hours a day and, in some cases, covers sailing overseas."

This is an extract from a larger description which can be read in full here: http://www.windsurfing.org/insurance.htm