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AKSA Insurance Claims Paid Out

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Dan Fletcher
Dan Fletcher
NSW
114 posts
Dan Fletcher Dan Fletcher
NSW, 114 posts
19 Aug 2011 7:07pm
For all the sceptics out there wondering if the insurance cover as a member of AKSA is actually useful and worthwhile, read an extract from an email i just received from AKSA. Is insurance worthwhile? Here are the facts. You decide...

As you will be aware the cost of the public liability insurance policy increased drastically last year due to several claims made in preceding years. These significant claims have now been settled, The claims that were paid in during the 2009-10 season were:

WA 2007 - Third party hit in head by kite bar being operated by an AKSA member - $30,000 paid

NSW 2009 - Third party property damaged after AKSA member lofted into vehicle (AKSA member was seriously injured but is recovering well from all reports) - $12,000 paid


QLD 2008 - Surfing third party seriously injured during collision with AKSA member – $95,000 paid

WA 2008 - Swimming third party injured during collision with AKSA member – $77,000 paid

The current policy has an excess of $5000, and provides cover of $10,000,000 for recreational kiting and $20,000,000 for sanctioned events. All claims have to be approved by the AKSA board before being considered by the insurer.


We are currently seeking quotes for the renewal of the policy so will soon know what the cost will be for 2011-12. To reduce the insurance cost AKSA needs to reduce the number of claims by increasing the awareness of members so accidents are avoided. Remember that distance is our most effective way to avoid injuring anyone else. Stay away from hard objects, other water/beach users, and have a plan to depower your kite if the unexpected occurs and you lose the advantage of distance. Follow local maritime rules and the AKSA CLEAR guidelines.
coreyb
coreyb
WA
463 posts
coreyb coreyb
WA, 463 posts
19 Aug 2011 5:42pm
How can I get hold of one of those pay outs?
Dan Fletcher
Dan Fletcher
NSW
114 posts
Dan Fletcher Dan Fletcher
NSW, 114 posts
19 Aug 2011 7:50pm
coreyb said...

How can I get hold of one of those pay outs?


Hey, how about i smash you in the face with my bar, you sue me, insurance pays out, i pay the excess, and we split the payout 60/40 in my favour.
coreyb
coreyb
WA
463 posts
coreyb coreyb
WA, 463 posts
20 Aug 2011 10:28am
Ill take a broken nose for 30k. If it was a serious accident it would have been on the news. Like last night when the young girl who got life changing injuries in a boat accident and got nothing.

We would have at least heard about it somewhere.
stamp
stamp
QLD
2800 posts
stamp stamp
QLD, 2800 posts
20 Aug 2011 12:42pm
not true. if nobody calls the media or if neither party agrees to talk to them then there is no story. i have heard of plenty of serious surfing boating fishing and industrial accidents that don't make the news.
waveslave
waveslave
WA
4263 posts
waveslave waveslave
WA, 4263 posts
20 Aug 2011 12:03pm
DJF said...
Here are the facts. You decide...




This fear and loathing advertising campaign by WAKSA just keeps on getting more and more douchebag-worthy.
lol.
loverboy
loverboy
WA
614 posts
loverboy loverboy
WA, 614 posts
20 Aug 2011 12:56pm
This was sent to AKSA members to educate them ..... There is no campaign- just facts and the only douchebag is you Naiveslave....
dave......
dave......
WA
2119 posts
dave...... dave......
WA, 2119 posts
20 Aug 2011 5:33pm
waveslave said...

DJF said...
Here are the facts. You decide...




This fear and loathing advertising campaign by WAKSA just keeps on getting more and more douchebag-worthy.
lol.


A quote from someone who refuses to kite wearing proper safety equipment to prevent these kind of pay-outs........ Let us all be the judge.
waveslave
waveslave
WA
4263 posts
waveslave waveslave
WA, 4263 posts
20 Aug 2011 5:46pm
lol.
I'm calling total bullsh1t on the pay-out lie.
waveslave
waveslave
WA
4263 posts
waveslave waveslave
WA, 4263 posts
20 Aug 2011 6:01pm
DJF said...

WA 2008 - Swimming third party injured during collision with AKSA member – $77,000 paid



An innocent swimmer being hit by an out-of-control kitesurfer in Perth would have been a big news story here in WA. ^^^
There were no reports of this event 3 years ago.
That's because it didn't happen.
lol.
I'm calling bullsh1t on this whole, stupid pimp thread.

towradgi
towradgi
NSW
432 posts
towradgi towradgi
NSW, 432 posts
20 Aug 2011 9:16pm
Isn,t own personal injury covered for paying member,N.S.W.2009 incident $12,000 payout. for property damage .A.K.S.A. member seriously injured and received nothing,what kind of cover are you promoting.
SugarQube
SugarQube
WA
490 posts
SugarQube SugarQube
WA, 490 posts
20 Aug 2011 7:18pm
waveslave said...

DJF said...

WA 2008 - Swimming third party injured during collision with AKSA member – $77,000 paid



An innocent swimmer being hit by an out-of-control kitesurfer in Perth would have been a big news story here in WA. ^^^
There were no reports of this event 3 years ago.
That's because it didn't happen.
lol.
I'm calling bullsh1t on this whole, stupid pimp thread.




What? you cant handle it that your wrong???

why dont you ask Dude or Man what they think, maybe they will sort it out in your head.
wdric
wdric
NSW
1625 posts
wdric wdric
NSW, 1625 posts
20 Aug 2011 10:24pm
waveslave said...
An innocent swimmer being hit by an out-of-control kitesurfer in Perth would have been a big news story here in WA. ^^^
There were no reports of this event 3 years ago.
That's because it didn't happen.
lol.
I'm calling bullsh1t on this whole, stupid pimp thread.


It doesn't have to make the news to make a claim

Someone gets hurt at beach by kiter
Kiter mentions he has insurance
Injured goes home and rellos say to see a solicitor
The rest you can figure out

I think it would be wise for aksa to asses the risk of each individual before they hand out public liability insurance to just any blowin.
Risk is always assesed in just about all insurance we take out yet this kind of insurance is handed out to anyone who pays some money, yet we the members know nothing about their competency, skill level and judgement!
Some people just dont get some things in life and are high risk.............
Yet they pay the same premium
kyteryder
kyteryder
NSW
692 posts
kyteryder kyteryder
NSW, 692 posts
20 Aug 2011 11:04pm
^^ wdric

That makes a lot of sense. I know when i did my training, i was given an IKO training card. If AKSA, ensured that sufficient training, or maybe answering a 20 question questionnaire, prior to acceptance, thus demonstrating safety knowledge.
This would be a good way to minimising and assessing risks.


good call

KR
Adaswe
Adaswe
WA
48 posts
Adaswe Adaswe
WA, 48 posts
20 Aug 2011 11:06pm
How about lower the cover for recreational surfing from 10.000.000 to half that amount, seems unreasonable high. I guess that would change the fee quit abit?
loverboy
loverboy
WA
614 posts
loverboy loverboy
WA, 614 posts
22 Aug 2011 5:35am
Pretty sure that you'll find the councils where permits are required requested 10million as a minimum...but good question.
bigmark100
bigmark100
NSW
584 posts
bigmark100 bigmark100
NSW, 584 posts
22 Aug 2011 12:02pm
You should also note that if AKSA insurance did not pay out those claims - then it would have been out of the kiter's own pocket.
dave......
dave......
WA
2119 posts
dave...... dave......
WA, 2119 posts
22 Aug 2011 6:15pm
waveslave said...

DJF said...

WA 2008 - Swimming third party injured during collision with AKSA member – $77,000 paid



An innocent swimmer being hit by an out-of-control kitesurfer in Perth would have been a big news story here in WA. ^^^
There were no reports of this event 3 years ago.
That's because it didn't happen.
lol.
I'm calling bullsh1t on this whole, stupid pimp thread.




Are you calling bull**** on the claim? I will not mention names, but a winter swimmer got hit at scabs/trigg by an experienced kiter? Yhis is not car insurance where the less experienced pay more and those that claim attract a premium.
GalahOnTheBay
GalahOnTheBay
NSW
4188 posts
GalahOnTheBay GalahOnTheBay
NSW, 4188 posts
22 Aug 2011 8:37pm
Unfortunately the kite surfing insurance market is not as mature as car insurance, that's what it is currently one size fits all, and will likely be for a very long time.

Fast forward 10 years and we each may pay different amounts based on where we kite, how long we have been riding, if we ride in comps, what wind we go out in, and even our likelihood of landing our kite in a tree based on kite brand preference.
Kitepower Australia
Kitepower Australia
NSW
4382 posts
Site Sponsor
Kitepower Australia Kitepower Australia
NSW, 4382 posts
22 Aug 2011 9:04pm
towradgi said...

Isn,t own personal injury covered for paying member,N.S.W.2009 incident $12,000 payout. for property damage .A.K.S.A. member seriously injured and received nothing,what kind of cover are you promoting.


No, you are not covered and never have been by any AKSA insurance scheme/policy. AKSA has only ever offered 3rd party Public Liability cover as far as I know. If you want the details of whats covered got to the AKSA website.
The incident above was caused by a fairly experienced kiter who ignored the advice of locals, then hit one of my mates cars, causing a large amount of damage. This person then skipped on paying the insurance excess, causing mate to be out of pocket for nearly a year until AKSA had to step in and pay the excess.
****'en totally sh1ts me when people post crap about something on a forum that they know nothing about, but could easily find find out about.
towradgi
towradgi
NSW
432 posts
towradgi towradgi
NSW, 432 posts
22 Aug 2011 10:37pm
which parts crap ,what I wrote happened ,you agreed ,AKSA paid out,seriously injured AKSA MEMBER only 3rd party insured and received nothing.Do you know what his medical costs and loss of income and time off work were.
waveslave
waveslave
WA
4263 posts
waveslave waveslave
WA, 4263 posts
22 Aug 2011 10:05pm
Kitepower Australia said...

you are not covered and never have been by any AKSA insurance scheme/policy. AKSA has only ever offered 3rd party Public Liability cover as far as I know.



If a kiter who has club insurance collides with another kiter who has club insurance ...
and both suffer serious injuries,
do they both get covered ?

puppetonastring
puppetonastring
WA
3619 posts
puppetonastring puppetonastring
WA, 3619 posts
23 Aug 2011 1:38am
For once slave (on a KSA issue) - an intelligent Question.
In the past AKSA (your state KSA central body) insurance was always thought to exclude kiter to kiter injury (on some "known risk" technicality???). On later advice I am led to believe this may not be accurate??? Perhaps you should press for a verified answer.
But then you would probably slam the disclosure of fact as BS anyway so why would they bother. Thats the trouble with negativity like that. It de-moralises and demotivates those who give up their valuable time to sort this stuff for us all.
woodys
woodys
WA
218 posts
woodys woodys
WA, 218 posts
23 Aug 2011 1:42am
waveslave said...

If a kiter who has club insurance collides with another kiter who has club insurance ...
and both suffer serious injuries,
do they both get covered ?



No - only the one wearing the safety leash will be covered.
No insurance policy of any kind will cover people where negligence is involved.
lol
bigmark100
bigmark100
NSW
584 posts
bigmark100 bigmark100
NSW, 584 posts
23 Aug 2011 10:20am
towradgi said...

which parts crap ,what I wrote happened ,you agreed ,AKSA paid out,seriously injured AKSA MEMBER only 3rd party insured and received nothing.Do you know what his medical costs and loss of income and time off work were.


What is the point you are trying to make?
He got nothing towards his medical fees, and loss of income because he did not have personal insurance protection. (duh!) What he did have was AKSA insurance, which covered the 12k. Which he would have been liable for if he didnt have the insurance.

waveslave
waveslave
WA
4263 posts
waveslave waveslave
WA, 4263 posts
23 Aug 2011 9:36am
woodys said...

waveslave said...

If a kiter who has club insurance collides with another kiter who has club insurance ...
and both suffer serious injuries,
do they both get covered ?



No - only the one wearing the safety leash will be covered.



Both kiters in this scenario of mine are using death-leashes. ^^^
I ask again:
Do they get covered for their injuries ?


waveslave
waveslave
WA
4263 posts
waveslave waveslave
WA, 4263 posts
23 Aug 2011 9:47am
puppetonastring said...

For once slave (on a KSA issue) - an intelligent Question.



Thanks.

IanR
IanR
NSW
1353 posts
IanR IanR
NSW, 1353 posts
25 Aug 2011 8:30pm
Hey Wavey
The short answer is No
It's 3'rd Party insurance.
Like the compulsory one we pay on our cars (not sure if in WA its built into rego)
In NSW it's called a Green Slip.
Does not cover incidents between two kiters as the green slip does not cover incidents between drivers
waveslave
waveslave
WA
4263 posts
waveslave waveslave
WA, 4263 posts
25 Aug 2011 6:41pm
Hi Ian,
How about this scenario ...
If a kiter who has club insurance collides with a windsurfer,
does the windsurfer get covered for his injuries ?
tmiddled
tmiddled
NSW
253 posts
tmiddled tmiddled
NSW, 253 posts
26 Aug 2011 4:26pm
Is one covered if one is riding suicide?
waveslave
waveslave
WA
4263 posts
waveslave waveslave
WA, 4263 posts
26 Aug 2011 6:49pm
waveslave said...
If a kiter who has club insurance collides with a windsurfer,
does the windsurfer get covered for his injuries ?


I kite at my local pointbreak with a lot of poleys at times.
I'm sure these poleys would like to know just how good this WAKSA-brand insurance is.
Anybody in WAKSA with an answer to my enquiry ?

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