Insurance ( are we covered )

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lostinlondon
lostinlondon
VIC
1159 posts
VIC, 1159 posts
12 Nov 2008 4:50am
greenleader said...

some people in this country buy firearms for sporting purposes.

and they probably don't take out insurance in case they "accidently" shoot someone.

just be careful with your kites people.

dirty harry said "a man's gotta know his limitations"


What? I bet they don't go shooting 200m from a packed beach either!

mytchook
mytchook
QLD
561 posts
QLD, 561 posts
12 Nov 2008 7:08am
sebol said...

Well that is the problem,isn't it????,we shouldn't have to read very carefully

In fact how about something different, an insurance policy that does what it says

If you take on a kite surfing specific third party cover, you could accidently (maybe stupidly) presume that it will give you cover for this purpose

No stab at anyone here, it appears that all parties genuinely believed that the cover was effective and it remains to be clarified.

Membership was to go to Kite stock anyway




That is why some people use a Broker. They then assume that they don't need to read their policies however even Brokers get it wrong at times.

AKSA is acting sort of like a Broker in this case and are therefore trying to find and negotiate a policy that provides a broader range of Public Liability Insurance.

For $65 a year, don't knock it. If you were able to find an Insurance company that would be willing to provide Personal Public Liability Insurance to you, you would be paying $1000's in annual premiums. AKSA are your best option, as they have already found an Insurer who is willing to provide cover (be it limited or not) and it is only costing you $65 a year.


manicskier
manicskier
VIC
772 posts
VIC, 772 posts
12 Nov 2008 8:24am
Ahh its apparently only 6 bucks that buys the insurance.... i doubt that they would be able to pay anything if there was a claim

RedKite said...

As I followed the threads, only $6.50 of the membership fee is going to an
Insurance. I can't believe that anyone reasonable would sell insurance
for $6.50 to cover a kite surfer for one year.


waveslave said...

Well,
If you take WA as a typical example.....
There's about 600 signed-up members


for WA then the revenue would be 600 x $6.50 = about $4000, thats not even going to cover the ambulance trip for the injured bystander for one claim..

I hope im wrong but commonsense tells me that for our $65 we get a couple of bbqs and a few competitions for kiters far better than i'll ever be... sweet
PaulVee
PaulVee
VIC
126 posts
VIC, 126 posts
12 Nov 2008 12:02pm
I'm also concerned at possible (probable) lack of cover. Statements from the kbv website give the impression at least that insurance is part of the deal.

"AKSA was formed in 2000 with its main role for Members being to source and provide third party public liability insurance. ..."

The policy document on the AKSA website, however, lists a number of registered third parties, none of which seem to be in Vic! Hopefully I'm mistaken, none around the Melbourne area anyway.

airush geoff
airush geoff
974 posts
974 posts
12 Nov 2008 10:12am
We are working hard to clarify the situation.

Patience is appreciated, I know it is frustrating.
manicskier
manicskier
VIC
772 posts
VIC, 772 posts
12 Nov 2008 1:01pm
Cheers Geoff, thanks for all your hard work, this is sure to have a good outcome
loco4olas
loco4olas
NSW
1525 posts
NSW, 1525 posts
12 Nov 2008 1:17pm
airush geoff said...

We are working hard to clarify the situation.

Patience is appreciated, I know it is frustrating.


I think everyone should just chill out until Geoff (who no doubt is in the role as non-remunerated volunteer) has a chance to review the situation and post the results here.

Everything else at this stage is either white noise or second guessing (hmmm, perhaps both).

Looking forward to the outcome.
dave......
dave......
WA
2119 posts
WA, 2119 posts
12 Nov 2008 2:30pm
"I am waiting on the exact policy details, but as I understand it the insurance policy has changed the last 2 years and the one on the website is not correct.."

I commend geoff for commenting publicly on a very important topic. The fact remains that no-one in the whole of AKSA knows off-hand what this insurance covers, or is prepared to comment on it.
Poor form.
AKSA
AKSA
NSW
46 posts
NSW, 46 posts
12 Nov 2008 5:25pm
Not really such poor form Dave....
Being November it is renewal time for the AKSA policy with insurer QBE. No point anyone putting out info which may be contradicted two minutes later under new policy conditions.
Please Note :
The 07/08 policy document you could always have found on www.aksa.com.au has today been replaced with the 08/09 policy document which was also released today. There is also an equally legally binding summary document prepared by our broker which outlines pretty much the full story without all the fineprint. Little has changed from last year but what has is there for all to see.
Up to you to choose which version you would like to read.

Full credit & thanks from the AKSA board to Geoff (and elsewhere Gavin) for personally carrying the can on these negative posts but could AKSA suggest that posters and members realise that for 'AKSA' to respond we need to confer with 6 elected state reps over several different time zones before anything official can be posted. If you want AKSA to be run 'correctly' then time must be allowed for due process.

harry potter
harry potter
VIC
2777 posts
VIC, 2777 posts
12 Nov 2008 5:45pm
Firstly, thankyou for acting on this issue it seems like an excellent result has finally been achieved but for all us muppets can you please confirm in " laymans terms " :

With this new policy all AKSA members are covered third party public liability wise whilst kiting anywhere anytime ( meaning does not have to be a competition etc ) in Australia and the world to $10,000,000 ( except US & Canada ) !

IS this correct ?

If so, I will be showing my support and rejoining ASAP.

ps: Unfortunately I have to agree with dave....... it was pretty poor form on AKSA's behalf that such an important question was raised several days ago and not one person at AKSA was able to answer it ! In fact several of us were critisized for raising the issue....... ( the issue was raised not to critisize AKSA but to know once and for all where we as members stand insurance wise, many of us have familys to support etc.... and the thought of being sued for all you have got can hang heavy over peoples heads when there is no certainty.)

Lastly I sincerly wish all you guys and gals at AKSA the best of luck with the new comittee and the implementation of the new acountability and strategies we do appreciate the work that is being done particularly now we can see reform on the horizon and personally if AKSA continues to respond to members and their concerns I am more than happy to continue to support it.




Dare I ask .....were we covered under the old policy ? ( thats a joke I think we can leave that alone )

AKSA
AKSA
NSW
46 posts
NSW, 46 posts
12 Nov 2008 6:14pm
harry potter said...

Firstly, thankyou for acting on this issue it seems like an excellent result has finally been achieved but for all us muppets can you please confirm in " laymans terms " :

With this new policy all AKSA members are covered third party public liability wise whilst kiting anywhere anytime ( meaning does not have to be a competition etc ) in Australia and the world to $10,000,000 ( except US & Canada ) !

IS this correct ?


from the 08/09 summary document :-
Who is covered?
AKSA and affiliated state bodies as well as all individual members of AKSA
When are you covered?
At all events, promotions, functions, training and administration of kite surfing in Australia PLUS while kite surfing recreationally as individuals


Thats a yes and the same yes for last year.

see the documents in full at www.aksa.com.au
hoskoau
hoskoau
NSW
100 posts
NSW, 100 posts
12 Nov 2008 6:32pm
So if I'm just flying my kite or trainer kite then I wouldn't be covered if a line breaks and hurtles into someone/something. I have to actually be kite surfing??
Smedg
Smedg
NSW
836 posts
NSW, 836 posts
12 Nov 2008 8:01pm
AKSA said...

harry potter said...

Firstly, thankyou for acting on this issue it seems like an excellent result has finally been achieved but for all us muppets can you please confirm in " laymans terms " :

With this new policy all AKSA members are covered third party public liability wise whilst kiting anywhere anytime ( meaning does not have to be a competition etc ) in Australia and the world to $10,000,000 ( except US & Canada ) !

IS this correct ?


from the 08/09 summary document :-
Who is covered?

AKSA and affiliated state bodies as well as all individual members of AKSA
When are you covered?
At all events, promotions, functions, training and administration of kite surfing in Australia PLUS while kite surfing recreationally as individuals


Thats a yes and the same yes for last year.

see the documents in full at www.aksa.com.au


Awesome outcome. Just what many including me were hoping. Now hopefully everyone has reason to join. Either for the benefit of third party liability and or to support the sport and hope to keep beaches open to kiting. Very happy to have paid my $65 now.

LaurieP
LaurieP
WA
123 posts
WA, 123 posts
12 Nov 2008 6:20pm
The question was asked before and I am interested to know the answer - has there ever been a successful claim? And an unsuccessful one for that matter too?

Cheers.
Aiolus
Aiolus
NSW
102 posts
NSW, 102 posts
12 Nov 2008 8:57pm
LaurieP said...

The question was asked before and I am interested to know the answer - has there ever been a successful claim? And an unsuccessful one for that matter too?

Cheers.






this question is answered if you read the summary document on the website ....
kitebored
kitebored
NSW
593 posts
NSW, 593 posts
13 Nov 2008 1:53pm
hoskoau said...

So if I'm just flying my kite or trainer kite then I wouldn't be covered if a line breaks and hurtles into someone/something. I have to actually be kite surfing??


Maybe this would come under the 'training' mentioned by AKSA?

AKSA said...
When are you covered?
At all events, promotions, functions, training and administration of kite surfing in Australia PLUS while kite surfing recreationally as individuals
RobR
RobR
VIC
121 posts
VIC, 121 posts
13 Nov 2008 8:35pm
Well done AKSA for getting on top of this key issue. Geoff and Phil are to be congratulated in providing clarity to all Members regarding the insurance cover.

The opportunity now exists for AKSA to post the detailed insurance documents [which they have already undertaken] but also the FAQ’s which are clear from the thread listed herein and elsewhere.

I would commend all kiters to join their local associations such that they automatically become Members of AKSA and are covered by the insurance.

Again - well done AKSA!
Fooosh
Fooosh
WA
563 posts
WA, 563 posts
15 Nov 2008 5:37pm
AKSA said...

Full credit & thanks from the AKSA board to Geoff (and elsewhere Gavin) for personally carrying the can on these negative posts but could AKSA suggest that posters and members realise that for 'AKSA' to respond we need to confer with 6 elected state reps over several different time zones before anything official can be posted. If you want AKSA to be run 'correctly' then time must be allowed for due process.



The original HP post and most others look like a legitimate questions to me. How is that 'negative'? Still, well done all for clarifying / bringing this up. Valuable discussion here.
manicskier
manicskier
VIC
772 posts
VIC, 772 posts
15 Nov 2008 7:43pm
Fooosh said...

AKSA said...

Full credit & thanks from the AKSA board to Geoff (and elsewhere Gavin) for personally carrying the can on these negative posts but could AKSA suggest that posters and members realise that for 'AKSA' to respond we need to confer with 6 elected state reps over several different time zones before anything official can be posted. If you want AKSA to be run 'correctly' then time must be allowed for due process.



The original HP post and most others look like a legitimate questions to me. How is that 'negative'? Still, well done all for clarifying / bringing this up. Valuable discussion here.




I agree with that too, there have been no flame throwing here, just apparently a difficult response to what is seemingly a simple question - Is this considered negative... maybe, but that is not the intention..

Thanks harry for raising this initially, and thanks to the AKSA and state people involved, we do actually appreciate the time and effort that you go to....

loco4olas
loco4olas
NSW
1525 posts
NSW, 1525 posts
17 Nov 2008 11:52am
After reading the new policy-I signed up again for the first time in about 4 or 5 years-don't wanna' lose the house if I fugg up.
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