Can't be sure of this ... but looking at the PDS, it excludes
"the ownership, possession, use or operation of any vehicle, watercraft or aircraft (except for a bicycle, mobility scooter, wheelchair, golf buggy, cart or remote controlled toy);"
I would have thought that excludes kite surfing related claims :(

There are insurances that explicitly include Power Kite and Surf Kite related accidents. My insurance does. And the cover is much higher!

Just read through the small print and sometimes (only sometimes) Tom Waits' line is not quite right.

Could be a sort of "sporting goods in use " clause.
eg; Golf clubs
at home insured under home policy
put in boot of car:- insured under car insurance.
get to golf course and take out of boot:- back to home insurance.
pull a club out to play:- uninsured.

So your board is on beach and wind blows it into a innocent bystander you maybe covered. comes off your feet and hits someone...........

Brucex, if you work for an insurance company, perhaps you want to check you facts before misinforming your customers. Or you are behaving like a typical insurance salesman - hiding the small print.

I seriously doubt any home or contents insurance policy would cover you for a kiteboarding accident.

And please - if you can get <advertised company> (or any other one) to specifically state in the schedule that their home an contents covers pubic liability for kiteboarding then let us know...... publicly on this thread with evidence.

Considering their are similar insurance policies for cycling, sailing , skiiing etc .... i doubt we will hear back from you.

Whats accordingly?

Underwriters try it on all the time.

Sucker born every day.

GreenPat said...

kitelooper1 said...

Why doesnt somebody tell us the number of members before and after the dramatic fee rise due to insurance extortion?

It was hardly extortion. A bunch of large claims were made, and the premium was increased accordingly. That's how insurance works. Waveslave even predicted it in 2007 and perhaps even before then as part of his regularly scheduled doom and gloom.

^^ Well I'm not going to delete that one, you're not advertising it for personal gain (as far as I can tell), nor are you starting a thread about it. Sponsors aren't even allowed to start threads to advertise their products. Other moderators may disagree, however, they have their opinions too and we don't always agree. Such is the grey area.

In fact, this is the sort of conversation I think is fair to have, even if it's been had several times before. To support the kiting community, or to find the cheapest possible insurance and look out for number one? It's a bit like the debate about supporting kite shops or getting the best possible price by shopping online (lets not go into that one though, or the topic may well get shut down). For the record, I choose to support the community through my WAKSA membership, and while the insurance is a bit more expensive, the rest of my membership fee goes to building the sport in WA and Australia.

I've just checked my policy for my home and contents (Allianz) and it states:

What you are not covered for:...
....
claims arising out of your ownership, possession or use of any:
- aircraft or aerial device or aircraft landing area, except a model aeroplane or toy kite
- watercraft except for surfboards, sailboards, canoes and surf skis, and
- other non-motorised watercraft more than 3 metres in length;

So my surfboard that I kite with is covered but the kite itself may not be covered as it probably wouldn't be considered as a toy kite?

Funny about how complainants and witnesses are brave and can say all types of things on Affadavit but suddenly go all Capt Schulz when it gets real.

sunseeker said...

I've just checked my policy for my home and contents (Allianz) and it states:

What you are not covered for:...
....
claims arising out of your ownership, possession or use of any:
- aircraft or aerial device or aircraft landing area, except a model aeroplane or toy kite
- watercraft except for surfboards, sailboards, canoes and surf skis, and
- other non-motorised watercraft more than 3 metres in length;

So my surfboard that I kite with is covered but the kite itself may not be covered as it probably wouldn't be considered as a toy kite?

They've got you screwed on areial device anyway, J

Me neither but it's spelled Sergeant Schulz

Remember though - if you damage the golf club or anything else while it's in use, then you are not covered by insurance.

GreenPat said...

Living in fear of the worst, all those 3rd parties everywhere you turn just waiting to sue you for damages, paying 10% on most goods and services, paying on average 30% of your hard earned to a bunch of Muppets to give it away to a bunch of muppets, paying the worlds highest interest rates, paying all sorts of overpriced insurances creating moral hazards, paying outrageous utility prices and fees and taxes to state and local govt, paying union dues to fat cats that are doing their best to undermine Labour vs Capital, keep pedalling keep pedalling we are sucking money out of you at every turn you fools. Dont feel bad about it you fools, its not your fault your parents didnt teach you right and its the human condition. Go talk to someone about it and take some pills you fools. But keep pedalling keep pedalling

GreenPat said...

Do you play golf?

Thanks to the moderators for removing the offensive content of the original post - possibly the most negative post I have ever seen since joining the Seabreeze community way back when.
For the purpose of the 'ongoing discussion' I would just like to say that whilst AKSA (and your own state KSA - of which AKSA is simply a one-vote-per-state representative national body) has very little interest in supplying public liability insurance. The insurance component of membership is a necessary spin-off of the very real need to ensure that as many kiters as possible are covered in the event of an injury to a Joe Public who otherwise may well push for bans of kiting in public areas.
It is the one aspect of membership which is the absolute bottom line for the combined KSA's to see to before getting on with the real work of representing ALL kiters rights to reasonable access. You can be absolutely certain that in the case of an 'incident' which may see you liable for enormous court pay-outs your AKSA membership insurance will cover you. The certain proof is a matter of record - a few massive pay-outs hence the almost doubling of premium cost in 2010.
I have spent no less than 4.75 hrs investigating the original claim here that your contents insurance may allow you to forego your support of our sport by choosing not to pay your annual state KSA / AKSA fees.
Total balony - the insurance company originally named here & 2 others I have investigated WILL NOT provide written assurance that ANY of their general policies will provide public liability to any amount (let alone the $20M claim) for incidents involving damages claimed by any form of 'watercraft' causing injury to any 3rd party.
Your state KSA/AKSA insurance has been tested in court and has NEVER abandoned the assoociation or the paid up member regardless of the circumstances under which 3rd party claims have been lodged.
BUT - beside all that - kiters should not look at membership of our representative body purely as an insurance policy. Your state KSA & the national federation of all state bodies is serviced by volunteers whose primary intent is to ensure that our access to beaches and our public profile is maintained to the highest 'reasonable' standard.
Just looking at my home state - WA. If it werent for WAKSA there would have been a blanket ban of the entire Cottesloe beach front since 2004 - rather than the minor 'reasonable' concessions WAKSA negotiated. Melville Beach would be totally banned to kiters as would Pelican Point. The Pond in Safety Bay - one of our premier flat water metro beaches - would be totally off-limits. And Im sure almost everyone remembers & acknowledges the long & hard fought battle save kiting at Mullaloo along with the balance of the Joondalup Shire Foreshore.

Save a few bucks by choosing not to join or opting out (as this post originally suggested) of 'your' KSA which is here to represent us ALL just because your house & contents 'MAY' cover your arse. WTF!!!
If you are in that class then all I can say is shame on you and I hope you get everything you deserve.
Just a pity that some poor innocent may also be forced to pay the price of your ill-informed and selfish, miserly ways. Kiting is as free as wind itself. If you cant afford to support your sport with one simple, super low cost annual membership fee you shouldnt have the right use our beaches.

kitelooper1 said...

puppetonastring said...

If you cant afford to support your sport with one simple, super low cost annual membership fee you shouldnt have the right use our beaches.

The day the Red Card Kiting Brigade start flexing their muscle at our local it will be on like Donkey Kong.

Puppet mate, you need to open your mind, travel the world and get yourself out of your comfort zone which is provided by the insurance. Take consequences for your action. That's where the problem is. No one is doing it any more.

It's exactly about personal responsibility. Sorry, but it's a shame we are all hiding behind insurance because of the people who are exploiting it.

"our beaches" you say? Well, I went personally to fight for Mullaloo even tho I do not kite there, and never will.

The fight was won by us, kiters, who showed up and talked, sent emails etc. Not by insurance policies (well maybe by 700 members number which I predicted will reduce this year, did it?).

You completely missed the point. I want to support waksa\ksa\whatever and pay you guys to fight with us as well, BUT I do not want to pay insurance.

Can you give me that? If not, how come that wind surfers do that?

And remember, many, many, people will not comment here fearing red-t...