I'm with HBF, but I checked their website today, and it specificaly excludes claims arising from (8) engaging in (c) Water activities involving an aerial device.

http://www.hbf.com.au/Glossary/General%20Insurance/Special_Conditions.html

I'm a paid up member of WAKSA, so I have the public liability insurance but I also want to know that I'll be looked after properly in the (hopefully unlikely) event I end up in a tree or on the road.

that reminds me - i was meaning to look into this!!

unfortunately insurance companies really are blood suckers.. did anyone else see this on TV?

7news.com.au:443/?id=17610

what a bunch of pricks

I just called my health insurance mob (Medibank Private) . They told me they do not have exclusions for injuries caused by things like kite surfing! I would suggest anyone considering them to check it out for your self just in case I have got this wrong.

Hi all,

If you are an IKO instructor, check out the insurance offered by the IKO, they offer kitesurfing specific health cover as well as public liability for your teaching and also accident cover internationally. This insurance for health/public liability is unlimited expenses in most cases for overseas injury etc, but is only available to IKO instructors who have access to the "pro login" area.

Just another reason to become an IKO instructor!





Good winds and Peace

I do not know about insurance for kite surfing but as far as private cover goes read on.....

With out my private cover i would not have been able to be at the alamanda private hospital let alone be treated by one of the best spine men on the planet and incidently the only dude in QLD and one of two on the east of australia that can perform the disk replacement i recieved. What did it mean to me, i will be able to kite and surf again otherwise it was game over for me. (fusion city)

Even with full cover the gap payment was $4000.
Get your private cover and have your credit card in good enough shape to get a emergency up grade if needed. If you think you can get this type life style saving surgery in the public system your very mistaken. In fact i will help you pick out a good gardening fork cause thats all you will be able to do, or perhaps play a groovy game of bowls. If you do a disk this is the only surgery that will keep you in the water and going hard. How many people do a disk ask around- see for yourself

If you need micro surgery on say ligament it must be done within 36 hours (i think). Any longer and you will loose performance. You wanna go onto a waiting list for a micro surgon- good luck!! Thats a lot of stress to save 20 bucks a week!!

Also Surgons are like kiters some good ones some not so good. You want a good one you gotta pay.

But hay i paid this private **** for 10 years untill i really needed it. Was it worth it -you bet!!

Do not bury your head in the sand on this one, ask around, make up your own mind- i am just telling it from own experiences good luck!!

See comments below from Brother-in-law who is an insurance broker, he makes some references to my own cover (house etc) but I've left that in for completeness:

"well interesting reading good to see the insurance industry has improved it's image!"

On the insurance needs, it's not a question of Public liability so much, changes to legislation here around two years ago have thankfully made it more difficult to sue for injuries sustained in an activity where there is an assumption of risk, like kite surfing, bike riding and so on. Your personal injury exposure is your own and I concur with the reco to have private health and income protection cover, we can assist with Income protection if interested.

The Public Liability exclusions quoted by one of the subscribers was quoting from a Business Policy by the way it read.

You are referring to Personal Liability exposure. Your insurance policy has $20m cover and does not exclude surf boards, skis, sailboards, canoes, etc etc. Home Contents Insurance comes with personal liability cover Australia Wide. The Allianz Gold policy is the most suitable for the general public needs and is an exclusive cover distributed through our dealer group only www.ibna.com.au .

Your policy wording for Personal Liability 6) confirms your Kite would be included.

Sounds like a bit of a mindfield but whilst the healthcare issue seems heavily dependant on the provider it still worth checking with your insurance provider on the specifics of your liability cover..

quote:

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Originally posted by Rod

Are other kiters included as the "public" in Waksas public liablity insurance policy? So if I'm kiting and another kiter takes me out and is at fault and has waksa membership will his public liability cover my medical epxenses?

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rod, i believe the waksa/aksa policy includes a clause such that another member can't make a claim against another member.

afaik its not really for this sort of thing, its indemnity cover against you injuring bystanders