Check the AAMI contents insurance: They have a public liability insurance attached to it and your kite gear is explicitly covered against theft from your home and your car (away from home whilst not in use).

dusta said..

SkipSkip said..
Apologies if this has already been asked, but I wanted to get what’s peoples thinking here is. Do you have it? why/why not? who’s a good insurer? How much is it? How much liability cover do you have?

I know the various kiteboarding associations have it as part of their membership. Is it worth just signing up to my local association rather than getting my own insurance?

I’m still relatively new to kiteboarding having had my lessons towards the end of last season and slowly “graduating” from Melville to the likes of Woodman Point, Lancelin. Yesterday I was out at Leightons for the first time and was amazed the amount of incidents that put the general public in harm’s way. Kite completely detached rolling down the beach and another in the water. Someone landing their kite putting the lines right onto a couple walking down the beach….etc. Hopefully I’m not that stupid or have these sorts of incidents happen to me, but the risk analyser in me got quite a scare which is prompting me to think that Public Liability Insurance is definitely the way to go.

www.waksa.org.au/membership/insurance/

for the price of a few cartons of beer a year you are fully covered


*EDIT* wierded he is not talking about theft cover , he is talking about being covered from injuring a member of the public

I know dusta, the legal liability insurance is included in the contents insurance:
"$20 million Legal liability in Australia and New Zealand. With our Home Contents Insurance we cover your liability for injuries to other people or damage to their property. So if you are cycling and cause an accident, your policy will cover you if someone seeks compensation for their injuries or property damage."

WeirdEd said..

dusta said..

SkipSkip said..
Apologies if this has already been asked, but I wanted to get what’s peoples thinking here is. Do you have it? why/why not? who’s a good insurer? How much is it? How much liability cover do you have?

I know the various kiteboarding associations have it as part of their membership. Is it worth just signing up to my local association rather than getting my own insurance?

I’m still relatively new to kiteboarding having had my lessons towards the end of last season and slowly “graduating” from Melville to the likes of Woodman Point, Lancelin. Yesterday I was out at Leightons for the first time and was amazed the amount of incidents that put the general public in harm’s way. Kite completely detached rolling down the beach and another in the water. Someone landing their kite putting the lines right onto a couple walking down the beach….etc. Hopefully I’m not that stupid or have these sorts of incidents happen to me, but the risk analyser in me got quite a scare which is prompting me to think that Public Liability Insurance is definitely the way to go.

www.waksa.org.au/membership/insurance/

for the price of a few cartons of beer a year you are fully covered


*EDIT* wierded he is not talking about theft cover , he is talking about being covered from injuring a member of the public

I know dusta, the legal liability insurance is included in the contents insurance:
"$20 million Legal liability in Australia and New Zealand. With our Home Contents Insurance we cover your liability for injuries to other people or damage to their property. So if you are cycling and cause an accident, your policy will cover you if someone seeks compensation for their injuries or property damage."

you would also want it in writing they actually cover you for kitesurfing as it is not specifically mentioned in what is covered

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

also cover is for australia and new zealand only not global like the coverage KA has .

Not saying one or the other is better just pointing out as i have looked into public liability on my home and contents and the price was ****tons more than a ka membership .

Agree'd because kite surfing is seen as high risk by some institutions I would imagine you would have to specifically have kite surfing added to the list of activities covered by your home and contents insurance.

Thanks Dunsta, After looking into this more I've made the decision to join WASKA, which means as a member I'm covered by the AKSA Public Liability insurance.

Details of cover

http://www.aksa.com.au/Resources/Documents/Insurance/1415_Kiteboarding%20Australia_Summary%20of%20Cover.pdf

$20m cover for damage to someone else and $5m to property for $500 excess isn't bad for $125pa... lets just hope I never need to use it!

Just renewed AKSA membership.

always curious on the coverage of kite gear under contents insurance. When I have asked questions in the past I have been hit with a barrage of questions and exclusions, such as based on the value it needs to be specifically nominated in the policy which then bumps the policy premium etc. with the excess and additional premium cost I have never seen the value. I do know of others who have successfully claimed tho...

PS.. You should also check your travel insurance when you go on holidays, ask specific questions and get it noted on the policy that you will be kiting or windsurfing. Many travel insurance policies will have small print that will not cover you in the event of an accident....

Jimbobfredjack said..
I vaguely remember reading that if I sign up with KBV/AKSA my membership and insurance would run until June/July when all memberships would need renewing rather than for a full year from the date of signing up. Can anyone confirm what the deal is as I think it might be time to cover my ass

it should be a year from when you signup . My membership runs out september each year

I've also been looking into it and membership for Waksa is dated to
"Period of Cover
The policy is renewed each year to cover the period from 1 November to 31 September."
Not happy about that as it's currently March and they don't do prorata.

Here's an lil' info and the link for IKA - International Kiteboarding Assoc.
E39/~AU$60. 'Available and valid worldwide (inc. US)'. Low payouts for personal accident however.
'All-round watersports insurance package for windsurfing, wavesurfing, kiteboarding, snowkiting, sailing, SUP'-
cp.vdws.de/downloads/SafetyTool/IS_policy_en.pdf
internationalkiteboarding.org/index.php?option=com_content&view=article&id=4867

I've just started so haven't got around to reading fine prints yet.
I had a near fatal motorbike accident in India, back in 1994, had insurance but because I was pillion passenger on a bike with an Indian licenced driver I was not covered. If it had been an Australian licensed driver I would have been covered. Luckily my Grandmother had some spare cash to repatriate me for about $20k. I would likely be an amputee if it hadn't been for her. But that's beside the point : )

I mainly want coverage for myself (not privately health insured) if I bust a knee or amputation for example and for compensating injury to others or their gear; and then the rest. WeirdEd, that sounds like AAMI?

AKSA
'What Is Covered? This program incorporates three covers; a) Public Liability b) Professional Indemnity c) Personal Accident (Death & Permanent Injuries only)'
http://www.aksa.com.au/Resources/Documents/Insurance/2013%20Insurance%20Summary%20of%20Cover.pdf

Odeliska said..
...

I mainly want coverage for myself (not privately health insured) if I bust a knee or amputation for example and for compensating injury to others or their gear; and then the rest. WeirdEd, that sounds like AAMI?

...

Then you want personal accident or trauma insurance. That is entirely different to public liability insurance. Good luck with that one, and expect to pay an arm and a leg. Pun intended.