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Originally posted by ThreadJacker

Hi Gav,
Firstly, as stated I agree all kiters should be a member of AKSA as I am, however please correct me in any of my statements, as I may have been mis-informed or have read the insurance policy incorrectly...I am not a lawyer or would want to be.

1) Is it correct that if I hurt a fellow AKSA insured kiter(on the water or beach)I am not covered by AKSA insurance for personal or property damages, or for that matter any non-AKSA insured kiter
2) As stated on the AKSA website and on the insurance contract, link above. "Membership gives you $10m in 3rd Party Public Liability Insurance 24 hours a day, every day of the year whilst kiting anywhere within Australia",
Is this 10 mil only for third party property/ products or does it cover 3rd Party Personal Injury as well and how much???, as I can not see this clearly in either document....would really like to clear this one up...any lawyers out there!
I had heard on the grapevine, that the 3rd Party Personal Injury from this policy was only around 10-20K mark???? Stand to be corrected (hopefully as this seems way to low..hence my comments in previous post)basically I would like to know, if someone tried to land my kite, they got caught up in my lines, kite powers up, lops a couple of the poor dudes fingers off, and knocked them around a little....What am I covered for? Firstly medical costs, and then payment for loss of a couple fingers...what are they worth these days...maybe 7-10k a pop???? and any other legal fees that are following??? What am I covered for???

3)Another sore point, only insured in Australia...I understand this insurance is for the local kiting community and this would keep the premiums lower thus saving us all some $$$, however with kiting being classified as a extreme sport, I don't believe my normal travel insurance would cover me if I nailed someone in America who was sueing my a$$ off... Please correct me, or offer suggestions anyone. Kiting overseas is fairly common, has anyone had any luck with insurance for both 3rd party injury / property and personal injury????

Thanks in advance and I apologise if I have been mislead and made incorrect statements in my previous post. However would really like to clear this debate up, as it is becoming a common rumour around the local spot, about what this insurance in really worth.

Cheers

TJ.

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I have not read the policy and have nothing to do with AKSA, but :
- generally speaking "public liability" covers your liability to all third parties arising from your negligence - this would include property damage and personal injury

- check your own household policy as it will include a liability section which may or may not cover you for kiting - "watercraft" is generally excluded

- regardless of AKSA's policy you should carefully check the wording of your travel insurance as the liability section may cover you for sporting activity such as kiting (but not cover you for your own injuries when undertaking hazardous activities (eg., skiing) which may or may not include kiting