If looking to renew your kiting insurance be sure to check out the options.

IKA $57 /year
KAL $120 /year (KAL doesn't provide an insurance only option, so includes $30 which goes to KAL, and $30 goes to your nominated clubs, or the typically state association to run events for all members)

KAL
www.aksa.com.au/Resources/Documents/KAL/1314_Kiteboarding%20Australia_Summary%20of%20Cover.pdf
# $2500 excess
# no rental equip coverage
# only valid for recreational or sanctioned KAL events.


IKA
internationalkiteboarding.org/index.php?option=com_content&view=article&id=4867
https://www.vdws-checkpoint.de/fileadmin/download/IS_policy_en.pdf

# covers all recreational and events internationally
# includes coverage for damage to rental equipment
# includes coverage for damage to another kiters equipment in the event of an incident. (you cause the damage)

IKA Insurance accepted for AUS events.

IKA:
Third Party Liability Insurance (TPL) covering EUR 3,000,000 combined for personal and property damage
Competition risk explicitly included
Valid in North America incl. USA

KAL:
Public and Products Liability Insurance
SCOPE OF COVER
This policy provides protection for insured entities and members that
are held liable for a negligent act that results in property damage or
bodily injury anywhere in the world (excluding USA & Canada).
LIMIT OF LIABILITY
The cover provided is up to a maximum of $10,000,000

HighzaKite said..

I let my aksa/kbv lapse as a result of the (excessive) $2500 excess and no cover for normal day to day kiting, so probably only useful if you participate in kiting events. I was happy to support an organisation such as KBV but not prepared to pay the insurance.

Most home contents policies will cover you for public liability if you are using your own equipment (ie: your home contents) and not participating in any organised event (so hitting a kid on the beach but you may need to prove you were not negligent or acting recklessly). They probably wont cover damage to your equipment while in use, that's pretty standard. Some will cover theft outside the home (eg from the car) if you request specified or unspecified valuables, usually for extra premium.

Easier said than done, but read your policy wording (PDS), otherwise talk to a broker. There would be lots of other sports covers available on the market.

KBV I think you need to be upfront to members/potential that your underwriter is not covering recreational kiting.

Awesome reply. I think Lofty was onto something and all he got was a carbon-copy parrot repeat of the first post, which was useless. And good point about checking existing insurance cover policies. There is a lot in some of them that people don't realise are being covered for already.

HighzaKite said..

I let my aksa/kbv lapse as a result of the (excessive) $2500 excess and no cover for normal day to day kiting, so probably only useful if you participate in kiting events.....

Are you sure about that? Seems like it would be useless for most people in that case. See below which I got from here: http://www.aksa.com.au/Resources/Documents/KAL/1314_Kiteboarding%20Australia_Summary%20of%20Cover.pdf

SCOPE OF COVER
Coverage applies whilst members are involved in sanctioned KAL
and State Association activities. These activities include all official
events, training, competition, official social functions, committee
meetings, fundraising activities and travel to and from these activities
and kiteboarding recreationally as individuals.

Doesn't this mean you are covered for normal day to day kiting?

finn12 said...
Surely the AKSA insurance covers individuals kiteboarding outside of competitive events? Otherwise greatest scam ever launched.

good luck trying to get a straight answer about that

MrTwist said..

HighzaKite said..

I let my aksa/kbv lapse as a result of the (excessive) $2500 excess and no cover for normal day to day kiting, so probably only useful if you participate in kiting events.....

Are you sure about that? Seems like it would be useless for most people in that case. See below which I got from here: http://www.aksa.com.au/Resources/Documents/KAL/1314_Kiteboarding%20Australia_Summary%20of%20Cover.pdf

SCOPE OF COVER
Coverage applies whilst members are involved in sanctioned KAL
and State Association activities. These activities include all official
events, training, competition, official social functions, committee
meetings, fundraising activities and travel to and from these activities
and kiteboarding recreationally as individuals.

Doesn't this mean you are covered for normal day to day kiting?

Yes you are right but I read it as a bit of a grey area, or a case of poor wording. If you see the first sentence:

"This insurance cover applies when members and other insured persons/entities are involved in activities that are sanctioned by the KAL."

"These activities include official events, training, competition, official social functions, committee meetings, fundraising activities and travel to and from these activities and and kiteboarding recreationally as individuals"

so it is not clear if you are kiting recreationally as an individual ... only if sanctioned by the KAL. So if you were kiting where you were not supposed to be (ie not sanctioned) then will you be covered?

To me it does not clearly state that it covers kiting recreational not as part of any sanctioned event so I wouldn't hang my hat on it. In court grey areas often lean towards the policyholder's benefit, but do you really want it to get to this point if you had to make a claim?

At the end of the day to me its the $2500 excess, and my home contents cover excess is $100. Maybe the AKSA cover will "understand" a kiting incident better than your average insurer, so easier to claim but why have dual coverage unless participating in events?

Here is my cover, which explicitly covers kiting!!

Contents legal liability
If you have contents cover we cover your legal liability to pay compensation for death or bodily injury
to other people, or loss or damage to their property resulting from an incident which happens
anywhere in Australia or New Zealand during the period of insurance:
?? which is unrelated to your ownership of your home or land at the insured address;
What we do not cover
We do not cover legal liability caused by or arising from:
Aircraft
you using or owning any aircraft or the facilities to land or store aircraft, but we will cover:
?? a remote controlled model or toy aircraft with a wingspan up to 1.5 metres;
?? a kite designed to be held by a person on land or attached to a non-motor powered watercraft
(e.g. a surf kite).
Watercraft
using or owning any watercraft unless it is a sailboard, surfboard, wave board, canoe, kayak, non-motorised surf ski or remote controlled model watercraft