What is third party insurance and do I need it to do kitesurfing in the UK?

What is third party insurance and do I need it to do kitesurfing in the UK?

I live in Berkshire and I was looking at places around me to go out and I see details about kitesurfing third party insurance. I was wondering if anyone has any ideas if you need to have insurance if you have your own gear. I also have level 2 iko completed. Is insurance required to kitesurf in the see or on lakes? If you do could you recommend any websites I could insure myself. Thanks any info would be great.

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