Juddy said...TurtleHunter said...
It doesn't have public liability but why do you need public liability unless your part of an organised event.
For the simple fact that if a kiter injures a person walking down the beach, swimming at the beach, watching kiters, etc etc, or damages a car, or other private property, the kiter 'might' need
public liability insurance....
The potential for that sort of incident is likely regardless of participation in an organised event or not.
Certainly personal injury insurance is always a good idea, but certainly not at the risk of no PL insurance.
Unfortunately i dont think you are covered by anything. It may say that you have PL insurance from AKSA/State Org (Waksa, kbv etv) but this was done to death last year and in the wash out i recall that it was stated (by AKSA i believe) that there had been several claims on the insurance but none had paid out. It was also suggested that you be very careful with how and where your kite, as if it is deemed that you have been negligent your insurance will be void, a couple of examples that i can think of:-
kiting in a no boating zone
exceeding the speed limit to close to shore
kiting on a beach with lots of pedestrians (may be construed as negligent)
equipment failure (your fault for not maintaining your gear correctly)
tangle on launch (your fault for not checking things correctly, or getting an assisted launch)
kiting in winds stronger than recommended for your particular kite
....
i could go on, but i dont think there is any circumstance where it could not be argued that you were at fault for whatever reason and therefore voiding your insurance.
So your $5 insurance (i think it was some token amount like this that AKSA pays for insurance for each individual member) isnt worth the certificate of currency that it is written on.... which you dont even get anyway.
my 2 cents
