Forums > Kitesurfing General

Public Liability Insurance II

Reply
Created by Peahi > 9 months ago, 6 Sep 2018
Peahi
VIC, 1467 posts
6 Sep 2018 8:49PM
Thumbs Up

[Sorry cannot post to old thread www.seabreeze.com.au/forums/Kitesurfing/General/Public-Liability-Insurance as it is closed]

I had a robust discussion today with a KBV official who strongly stated that your home and contents insurance does not cover you for public liability and that you need KA/KBV membership otherwise you'll be in trouble.

Now my issue was not so much the ignorance, rather that this stance can be misleading and seen to push insurance where most people are not aware of existing cover with their home and contents.

I have no problem with KA/KBV, and I am a member if even if I don't see a lot of value in the insurance (my h&c excess is lower, for example). I would only need it for events where I would not be covered by my h&c insurer, or when I myself get injured.

psychojoe
WA, 1799 posts
6 Sep 2018 7:57PM
Thumbs Up

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

Dave Whettingsteel
WA, 1396 posts
6 Sep 2018 8:40PM
Thumbs Up

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.

Peahi
VIC, 1467 posts
6 Sep 2018 11:22PM
Thumbs Up

Select to expand quote
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.

Dave Whettingsteel
WA, 1396 posts
7 Sep 2018 8:03AM
Thumbs Up

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.

NorthernKitesAUS
QLD, 1061 posts
7 Sep 2018 10:09AM
Thumbs Up

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
NSW, 478 posts
7 Sep 2018 1:50PM
Thumbs Up

Select to expand quote
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?

Sauce
WA, 203 posts
7 Sep 2018 12:14PM
Thumbs Up

Select to expand quote
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?

GMkal
NSW, 72 posts
7 Sep 2018 2:29PM
Thumbs Up

Hi Richoa,

The link provided from Richoa is the best place to find the information about insurance policy.If you don't want to sift through the thicker policy, there is a summary document that can be found through this link - http://www.vinsurancegroup.com/kiteboarding/pdf/summary-of-cover/2018-19_KiteboardingAust_summaryofcover.pdf

Our coverage covers you kiteboarding in your own time and is also a requirement for participation in KA & State Association sanctioned events. There are two main policies relevant to members, public liability and personal accident.

Generally speaking, I recommend looking through our policy to see what value you get from the policy against what you might already have.

Although insurance is a significant part of what we do, the work the collective (state and national) associations have done and continue to do for beach access, advocacy, events and sport development is where our other value lies and shouldn't be underestimated.

Hopefully see you all at one of our Season Launch Events and we can explain more about what we do.


AdrianRyan
VIC, 7 posts
14 Sep 2018 5:53PM
Thumbs Up

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...

Greenarrowz
NSW, 301 posts
14 Sep 2018 6:13PM
Thumbs Up

As a comparable example.
Let's open the pushbike riders insurance debate too while we are here....

Cyclists skateboarders and mobility scooters/cars are on the road with registered and insured vehicles and they DONT have any insurance.
Cycling is an extreme sport when going downhill on a mountain bike challenge.
Or tour de france.

And any kid can ride a bike.

There are no policable standards.

Is kite insurance just a money spinner to the gullible?

What assurances are in place as examples of what it would cover ... and not cover.

Are there any real incentives for those who are low risk experienced kiters ?
Vs
A newbie tomahawk master?

Double standards?
Do adults need insurance but kids dont?

Any kid can fly a kite.

AdrianRyan
VIC, 7 posts
14 Sep 2018 6:44PM
Thumbs Up

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..

Weta
WA, 891 posts
14 Sep 2018 6:38PM
Thumbs Up

Select to expand quote
AdrianRyan said..
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..


My 2 cents.........wouldn't people learning kiting have more need of the public liability component of KA's cover in the event they injure another beach user?

The more experienced you are doesn't negate needing insurance as you are more likely to kite in riskier locations and conditions.

airsail
QLD, 1240 posts
14 Sep 2018 9:09PM
Thumbs Up

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.

pignolet
VIC, 3 posts
25 Sep 2018 7:03PM
Thumbs Up

Hi everyone, thought i could put in my two bobs worth to this discussion. I can speak from experience, a very bad one!
I had a very severe kiting accident, broke my leg in three places, nearly ripped my foot off. 4 months in a wheelchair the rest on frames and crutches, one year total.
After a few months off another kiter suggested claiming lost income through my KBV membership, ha i replied! Well i went to my doctor, filled in all the forms and i was paid for all my lost income. A very painless exercise, pardin the pun.
I work for myself and this was a life saver......
The insurance company was fantastic!
I say if you kite you MUST be a member..... The insurance is sooooooo worth it.
In case you think this is just made up you can watch my video on youtube,


Just search kiteboarding crash.
Regards to all and happy kiting
Rob

hamburglar
ACT, 2174 posts
28 Sep 2018 3:52AM
Thumbs Up






Subscribe
Reply

Forums > Kitesurfing General


"Public Liability Insurance II" started by Peahi