Wow, sounds like a pissing contest.
Unless both of you have read the other's individual policy wording

Dave Whettingsteel said..
My WA RAC Home insurance only gives me third party liability cover if the person I damage is on my insured property.

So if I clobber someone with my kite on the beach who then sues / claims on me, my home insurance deffo does not cover me. Whereas the KA insurance does. Thats why I went for it.

Sounds like your home policy has greater cover.

Sounds a bit ordinary, what if you step on someone's foot in the street and they sue you for a lifetime of pain and suffering ? I think you might be referring to your building, not contents insurance.

Here's my PDS:
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;

Here is the "grey area" - kiteboards not mentioned

We do not cover legal liability caused by or arising from:
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.

Check also your Superannuation policies, but I'd be surprised they would cover 3rd parties in a public situation. I have Life and Death and Income Protection with my Super fund, but it covers myself and family only.

Richoa said..

Dave Whettingsteel said..
Interesting!
Well I read my PDS rather than the summary and it says:

Your contents insurance policy covers your legal liability arising from events which occur during the period of insurance anywhere in Australia other than at your site and result in: The death of or bodily injury to any person. Loss or damage to someone else's property.

But in the exclusions:
Our cover does not extend to liabilities for injury, loss or damage:
Caused by or connected with the use of a vehicle (other than a bicycle), caravan, aircraft or waterborne craft (including sailboards, surfboards, windsurfers, surf-skis and the like), lift or firearm.

Pretty sure they could make a case that excludes kiting.

Bugger! Looks like KA cover still needed for me.

What does the KA incl. I thought I had seen it is relative to organised events by KA only?

www.vinsurancegroup.com/kiteboarding/index.html
I think that is what they offer?

Hi guys - just want to point out some interesting facts to consider.
MOST Insurance policies do NOT cover sporting activities - exclusions include skiing, snowboarding and water sports etc..its a very "grey area" for kiteboarding. BUT i guarantee if you need to make a claim with your "off the shelf" policy you will get denied. Kiteboarding is a "extreme" sport - we all know the dangers that come with it.

ok - KA insurance - what do we need to know!

This is their wording "WHAT IS COVERED?V-Insurance has worked closely with Kiteboarding Australia to design this insurance program for its members. This insurance cover applies when members and other insured persons/entities are involved in activities that are sanctioned by Kiteboarding Australia. These activities include official events, training, competition, official social functions, committee meetings, fundraising activities and travel to and from these activities and kiteboarding recreationally."

It appears ALL events that are sanctioned by KA are covered WITH kiteboarding recreationally listed last! I would suggest we need this defined by KA - what if i kite in middle of the night and lose my board? Or kite in 40knots + wind when nobody else on beach and end up on the highway? Very grey area..

Also - please note as stated "OTHER INSURANCE Additional Insurance policies are in place for qualifying members, these include; ? Management Liability (Directors & Officers Liability)" ...i can assume ANY insurance cover you have in place takes precedence BEFORE KA's kicks in..once again 99% insurers will NOT cover sporting claims.

AND they only cover when medicare's does not. Medicare cover is awesome is AUS! So what''s left? Private surgery and cover etc..

Bottom line - its all very grey until we hear of people's claims...

Hope this helps...

Bottom line - if your not a professional (at your sport) of choice - i think insurance is waste of money.
If i get banged up kiting - you get public hospital cover for surgery - payout claims will not be covered in my view.. it's an extreme sport..
I could be wrong ...
Happy to hear any stories from kiters whom have made claims..

In case anyone is interested, most income protection insurance held within your super does not cover kitesurfing, eg, if you hurt yourself while kitesurfing and can't work, your on your own.
I went through a broker and found one, AIA, that did cover injuries sustained while kitesurfing. The premiums are paid post tax then claimed on your tax return.
No problems for windsurfing as it is not classed as an aerial sport.