Please read

http://www.waksa.org.au/kitesurfing-news/a-lot-more-than-insurance

WAKSA can you please provide some detail. ( all questions in relation to WA only)

Insurance for local kiters.
Kiter's that are merely looking at insurance locally in WA have 2 options.
Of which KA insuracne has limitations compared to IKA insurance.

1. Does WAKSA not recognise IKA insurance as valid. If not, why so?




"Our community needs a single voice more than ever and often we focus on the irrelevant issues such as a few dollars, instead of the big picture.
This can only be done with your support in how you explain our shared views to the wider kiting community and help all non members understand why they should join. "

2. Is WAKSA a membership fee based club which runs for the interest of its members?
Are only the interest of those that provide a few dollars covered by WAKSA.

Or is WAKSA a body that speaks and supports all kiter's?

If WAKSA inclusive rather than exclusive, as the state representative body that represents all kiters, then by example why are non WAKSA members not permitted to attend Kite stock even if they have insurance.
Of the $20k that's collect in membership fees, much is used fund Kitestock. (it could be asked if this is this fair on all members? )
It is commonly stated "why should members subsidies non-members, attending member events" but of the 650 WAKSA members only around 100 or so members attend Kitestock, so 550 members are subsidising the event for the 100 that do attend.

3. Who represents all the non-paying kiters in WA?
If WKASA events are not relevant for non-members, then how are any other guidelines or initiatives relevant for non-members.

4. How is WAKSA supportive of the development of kiting initiatives/events that include non-member kiters, or is WAKSA limited to supporting only WAKSA member initiatives/events.

5. "will aid innovative"

The past summer saw not more events, but less being included in the WAKSA calendar.
Sadly the 2013/2014 summer did not see the running of the Redkite downwinder.

How can innovation be sighted when events are being lost.

Victoria (KBV) saw TT racing added to their calendar. KBV also supporting the various yacht club racing.
NSW had a state summer series for racing with state champions being crowned.
Where is the WA innovation?

Disclaimer - past WAKSA & AKSA committees.
If anything following is outdated Im sure current WAKSA c'tee will advise us. Its all as per I experienced it.

WAKSA is not just about events. If events were the only attraction & benefit then there would be a huge no. of WA kiters not interested in membership or participation.
WAKSA is about being a representative force for ALL kiters and for the sport itself.
If it werent for the existence of WAKSA the kite scene in Perth would be hugely different from the privileges we are ALL able to enjoy today.
Kiting would be banned at Cottesloe ; Melville ; the Pond ; Mullaloo & possibly Pelican Point.
Serious issues have also been resolved to keep kiting open for the No.1 metro attraction of the City to Trigg downwinder.
Without WAKSA (and the members who support it) kiting would be marginalised much like Jet Skis are with imposed "GO" zones rather than at present a few defined "NO GO" areas.

The old boogy-man about 'membership or dont bother coming' has nothing to do with exclusivity or money grubbing. It is simply that to run an event you must get local govt. approval. To get that approval you must provide indemnity to the local authority by way of an approved insurance policy which all participants must be covered under. Usually with the council actually named on the policy before they will accept it.
IKA insurance just doesnt satisfy the necessary 'risk assessment' criteria.

Now that WAKSA (and all other state associations) are affiliated under the new KA (AKSA) National Sporting Organisation federation all kiters have the benefit of a recognised voice at all levels of govt. Including potential for such things as govt grants for tourism or development initiatives.
Now that we have recognised NSO accreditation in Aust. we are in a position to review all insurance options - including IKA - to assess the most appropriate & cost effective option for ALL members. Affiliation with the IKA may prove to be the best way to go.
BUT (a very big BUT) insuring yourself through the IKA at this point in time is foolhardy to say the least.
It wont get you into any KA sponsored events. And there are many more issues - like where you might end up having to attend court to justify any claim etc. etc - that make IKA insurance for Oz kiters pretty marginal.

An earlier post claimed IKA provides 3rd party property where WAKSA (KA & other states) dont. WRONG. There have been several claims approved under AKSA insurance for property damage caused by member kiters. There have also been several posts on international forums discussing dismissed claims by IKA underwriters in similar situations. To my knowledge its never happened under our AKSA / KA policy.

The time is not far off when to fly your kite in a public place will require you holding an approved registration/license which will include 3rd party protection - as per your car etc. Without the federation of the state associations under the NSO of KA both state & federal legislatures will frame up the rules for kiters without our representation available to them to ensure the rules are both sensible & workable. AND do not adversely effect the beach access privileges we currently enjoy. (and too often take for granted)

IKA for over $1 per week doing absolutely nothing for Oz kiters but insurance. OR KA for under $2 per week for better insurance & a whole heap more. OR risk ALL your assets; & possibly future income as well; by choosing neither.
Its a no brainer.

The state body's history in representing kiters is not challenged.
There is a huge number of kiter's that are not members, for various reason.
some would join if not for the forced insurance.
some would join if not for the $60 Events fees. And a stark majority of the fees are used for events so lets label it events fees.

#WAKSA is not just about events.
WAKSA collects $30 per membership to run events for members "$30 goes directly to WAKSA to run events and to keep YOUR Association operating"
Operating costs are a very marginal allocation of the funds.
Waksa have also been provided with additional funds to run events last year.
Financials for the years to be made available at the AGM. For members who care how the committee allocates these funds.

# Event insurance (required for council approval)
Event organisers require a separate PL to competitors (the same as a shop, or instructors would be required) .
WAKSA as KA agent is covered with $20mil PL for events its runs or sanctions.
Individual competitors PL is always detailed in entry requirements.

There should be no reason to prevent the entire kiting community being invited to attend kitestock.

By example Oceanics require specific insurance.



KA insurance, does satisfy this risk as does any PL insurance that covers the requirements outlined.
Many examples of events on the east coast, or in conjunction with yacht clubs don't require the competitors to have insurance at all, as they are covered under specific allowances used by organisers.

There is no hurdle to a state body offer options for members but,
WAKSA need to define if they are THE state association acting on behalf as ALL kiters without exclsuion.... or if they are a members only sports club.

ANDY - FFS forget about the requirements by others to have participants covered by 3rd party insurance (you cant but lets say you could)
Why should any organisation of volunteer officials spend time & effort organising anything for ppl that arent prepared to support them.
Its about 60cents a week FFS and what you get is way more than the right to entry in an event.
WAKSA our voice to the community.
WAKSA is a voice to keep our beaches open.
WAKSA is a voice to ensure that schools operate effectively in zoned areas which wont impinge on advanced kiters use of space.
Its an independent credible negotiator when kiters are run down by boats.
Its a recognised representative sporting organised looked to & requested for consultation by at least 5 different state govt agencies even up to now - & way more in the future no doubt.

I seriously ? your claim that the NSW race titles were open to non KA members. Almost zero chance of that being the case.
Likewise with the recently run KBV events.
They are either unsanctioned events where ALL competitors are compromised in terms of personal protection or they are approved by the local authority which (in my experience) will always ask for proof that all participants are covered & that they are indemnified.

WAKSA does act as the voice of ALL kiters when acting to mediate beach access issues.
WAKSA does act on behalf of ALL kiters and newcomers to kiting when spending hrs & hrs working with councils to ensure schools are permitted to operate appropriately in any given area.
WAKSA also runs events where safety guidelines are set & followed and ensures they are events which are run in the secure knowledge that if there happens to be an 'incident' - whether it be kiter to kiter or kiter to public - then the only party liable for damages will be the insurer.



BUT as I started to say - Why should anyone expect to have the benefit of being included in events which are 1) organised by the volunteers on the WAKSA c'tee AND 2) which are underwritten by the funds members pay - if they arent prepared to pay a few cents a week pa. for the privilege.
Try going to play a game of golf on any course anywhere for free. Try entering a yacht race without registered membership of the yachting fraternity. Try entering a charity fun run without paying a fee to cover the organisers cost of arranging the insurance required to stage the event.

Andy Hansen quote "There should be no reason to prevent the entire kiting community being invited to attend kitestock."
U R right - there shouldnt be as Kitestock is a user pays event.
If WAKSA could get the local authority to agree to the event being run with uninsured kiters involved they most certainly would. It would be a great PR exercise and the fact is that the more that attend the lower the costs pp. BUT IT JUST ISNT POSSIBLE

Sure you can run events where councils MAY approve of other insurance criteria than that provided by WAKSA BUT you would have to identify every other likely option to the council for them to approve or decline. You would then have to have officials to check & validate any claims to 'other party' insurance validity at the time of the event - an almost impossible task unless - like Oceanics - you are a professional organisation with paid staff to dot all i's & cross all t's. Even then professional event organisations almost always have cover of their own for the event the cost of which they charge out to competitors as a part of the event enrolment fee.

You want to run course racing events Andy then have them WAKSA sanctioned. Cover your own personal arse against liability by abiding by the risk management template which is applied to ALL WAKSA events. Get NSO backed verification of results so competitors can carry their successes forward to other venues & other events. Remain onside with yacht clubs & others which are involved in the event organisation or may be effected by it.
Just dont expect WAKSA volunteers to:
1) put the reputation & continuing viability of the sport at risk
2) put in the time they are prepared to give to the org & its members to free-loaders
3) provide member funded resources resources and member assistance in running events which can be bludged on by kiters who are too irresponsible to be prepared to protect themselves and the sport that is providing the goods & services required to make the events happen & results official.

Andy Hansen quote "WAKSA as KA agent is covered with $20mil PL for events its runs or sanctions."
If you care to look a little deeper Andy you will find that Event insurance - whilst separate from & additional to personal public liability - is dependent on ALL participants being members of the insured entity ie the state orgs via the KA federation.

Give me a call Andy - need to chat.

Well said puppet, I cant argue with any of your points
You are a true ambassador.

Shouldn't this be in the WA section?

Select to expand quote

puppetonastring said...
I seriously ? your claim that the NSW race titles were open to non KA members. Almost zero chance of that being the case.

I'm pretty sure Ricki, Florian and the few other internationals aren't KA members and they definitely competed in the NSW races..

Select to expand quote

puppetonastring said..
Its an independent credible negotiator when kiters are run down by boats.

As a member of WAKSA who has been run down by a large vessel and survived the experience I can only say that I received full support from the association and the presidents own time and helpful advise to attend the DOT investigation. I am not saying that IKA would not have come to my aid if they were my insurer but logistically I feel WAKSA offer me personally better representation here in Australia, Just saying.

Select to expand quote

puppetonastring said...
ANDY - FFS forget about the requirements by others to have participants covered by 3rd party insurance (you cant but lets say you could)
Why should any organisation of volunteer officials spend time & effort organising anything for ppl that arent prepared to support them.
Its about 60cents a week FFS and what you get is way more than the right to entry in an event.
WAKSA our voice to the community.
WAKSA is a voice to keep our beaches open.
WAKSA is a voice to ensure that schools operate effectively in zoned areas which wont impinge on advanced kiters use of space.
Its an independent credible negotiator when kiters are run down by boats.
Its a recognised representative sporting organised looked to & requested for consultation by at least 5 different state govt agencies even up to now - & way more in the future no doubt.

I seriously ? your claim that the NSW race titles were open to non KA members. Almost zero chance of that being the case.
Likewise with the recently run KBV events.
They are either unsanctioned events where ALL competitors are compromised in terms of personal protection or they are approved by the local authority which (in my experience) will always ask for proof that all participants are covered & that they are indemnified.

WAKSA does act as the voice of ALL kiters when acting to mediate beach access issues.
WAKSA does act on behalf of ALL kiters and newcomers to kiting when spending hrs & hrs working with councils to ensure schools are permitted to operate appropriately in any given area.
WAKSA also runs events where safety guidelines are set & followed and ensures they are events which are run in the secure knowledge that if there happens to be an 'incident' - whether it be kiter to kiter or kiter to public - then the only party liable for damages will be the insurer.



BUT as I started to say - Why should anyone expect to have the benefit of being included in events which are 1) organised by the volunteers on the WAKSA c'tee AND 2) which are underwritten by the funds members pay - if they arent prepared to pay a few cents a week pa. for the privilege.
Try going to play a game of golf on any course anywhere for free. Try entering a yacht race without registered membership of the yachting fraternity. Try entering a charity fun run without paying a fee to cover the organisers cost of arranging the insurance required to stage the event.

Andy Hansen quote "There should be no reason to prevent the entire kiting community being invited to attend kitestock."
U R right - there shouldnt be as Kitestock is a user pays event.
If WAKSA could get the local authority to agree to the event being run with uninsured kiters involved they most certainly would. It would be a great PR exercise and the fact is that the more that attend the lower the costs pp. BUT IT JUST ISNT POSSIBLE

Sure you can run events where councils MAY approve of other insurance criteria than that provided by WAKSA BUT you would have to identify every other likely option to the council for them to approve or decline. You would then have to have officials to check & validate any claims to 'other party' insurance validity at the time of the event - an almost impossible task unless - like Oceanics - you are a professional organisation with paid staff to dot all i's & cross all t's. Even then professional event organisations almost always have cover of their own for the event the cost of which they charge out to competitors as a part of the event enrolment fee.

You want to run course racing events Andy then have them WAKSA sanctioned. Cover your own personal arse against liability by abiding by the risk management template which is applied to ALL WAKSA events. Get NSO backed verification of results so competitors can carry their successes forward to other venues & other events. Remain onside with yacht clubs & others which are involved in the event organisation or may be effected by it.
Just dont expect WAKSA volunteers to:
1) put the reputation & continuing viability of the sport at risk
2) put in the time they are prepared to give to the org & its members to free-loaders
3) provide member funded resources resources and member assistance in running events which can be bludged on by kiters who are too irresponsible to be prepared to protect themselves and the sport that is providing the goods & services required to make the events happen & results official.

Andy Hansen quote "WAKSA as KA agent is covered with $20mil PL for events its runs or sanctions."
If you care to look a little deeper Andy you will find that Event insurance - whilst separate from & additional to personal public liability - is dependent on ALL participants being members of the insured entity ie the state orgs via the KA federation.

Give me a call Andy - need to chat.

Spot on puppet - to confirm nsw race series was members only for all the reasons previously given by yourself and of course insurance ....

Select to expand quote

Spot on puppet - to confirm nsw race series was members only for all the reasons previously given by yourself and of course insurance ....

No different over here, both the Mounts Bay & Fremantle Sailing club race series required members to be WAKSA members even though they were not KA sanctioned events, which means cover is void. There was no WAKSA race series

Select to expand quote

EnglishCraig said...

puppetonastring said...
ANDY - FFS forget about the requirements by others to have participants covered by 3rd party insurance (you cant but lets say you could)
Why should any organisation of volunteer officials spend time & effort organising anything for ppl that arent prepared to support them.
Its about 60cents a week FFS and what you get is way more than the right to entry in an event.
WAKSA our voice to the community.
WAKSA is a voice to keep our beaches open.
WAKSA is a voice to ensure that schools operate effectively in zoned areas which wont impinge on advanced kiters use of space.
Its an independent credible negotiator when kiters are run down by boats.
Its a recognised representative sporting organised looked to & requested for consultation by at least 5 different state govt agencies even up to now - & way more in the future no doubt.

I seriously ? your claim that the NSW race titles were open to non KA members. Almost zero chance of that being the case.
Likewise with the recently run KBV events.
They are either unsanctioned events where ALL competitors are compromised in terms of personal protection or they are approved by the local authority which (in my experience) will always ask for proof that all participants are covered & that they are indemnified.

WAKSA does act as the voice of ALL kiters when acting to mediate beach access issues.
WAKSA does act on behalf of ALL kiters and newcomers to kiting when spending hrs & hrs working with councils to ensure schools are permitted to operate appropriately in any given area.
WAKSA also runs events where safety guidelines are set & followed and ensures they are events which are run in the secure knowledge that if there happens to be an 'incident' - whether it be kiter to kiter or kiter to public - then the only party liable for damages will be the insurer.



BUT as I started to say - Why should anyone expect to have the benefit of being included in events which are 1) organised by the volunteers on the WAKSA c'tee AND 2) which are underwritten by the funds members pay - if they arent prepared to pay a few cents a week pa. for the privilege.
Try going to play a game of golf on any course anywhere for free. Try entering a yacht race without registered membership of the yachting fraternity. Try entering a charity fun run without paying a fee to cover the organisers cost of arranging the insurance required to stage the event.

Andy Hansen quote "There should be no reason to prevent the entire kiting community being invited to attend kitestock."
U R right - there shouldnt be as Kitestock is a user pays event.
If WAKSA could get the local authority to agree to the event being run with uninsured kiters involved they most certainly would. It would be a great PR exercise and the fact is that the more that attend the lower the costs pp. BUT IT JUST ISNT POSSIBLE

Sure you can run events where councils MAY approve of other insurance criteria than that provided by WAKSA BUT you would have to identify every other likely option to the council for them to approve or decline. You would then have to have officials to check & validate any claims to 'other party' insurance validity at the time of the event - an almost impossible task unless - like Oceanics - you are a professional organisation with paid staff to dot all i's & cross all t's. Even then professional event organisations almost always have cover of their own for the event the cost of which they charge out to competitors as a part of the event enrolment fee.

You want to run course racing events Andy then have them WAKSA sanctioned. Cover your own personal arse against liability by abiding by the risk management template which is applied to ALL WAKSA events. Get NSO backed verification of results so competitors can carry their successes forward to other venues & other events. Remain onside with yacht clubs & others which are involved in the event organisation or may be effected by it.
Just dont expect WAKSA volunteers to:
1) put the reputation & continuing viability of the sport at risk
2) put in the time they are prepared to give to the org & its members to free-loaders
3) provide member funded resources resources and member assistance in running events which can be bludged on by kiters who are too irresponsible to be prepared to protect themselves and the sport that is providing the goods & services required to make the events happen & results official.

Andy Hansen quote "WAKSA as KA agent is covered with $20mil PL for events its runs or sanctions."
If you care to look a little deeper Andy you will find that Event insurance - whilst separate from & additional to personal public liability - is dependent on ALL participants being members of the insured entity ie the state orgs via the KA federation.

Give me a call Andy - need to chat.

Spot on puppet - to confirm nsw race series was members only for all the reasons previously given by yourself and of course insurance ....

So why do the results include Florian and Ricki ad whoever else was here between worlds and Sail Melbourne??

Select to expand quote

AndyHansen said..

Well said puppet, I cant argue with any of your points
You are a true ambassador.

Do I detect a lump from your tongue being in your cheek there Andy
Time for POWwow me thinks.
I'll call you.

Select to expand quote

AndyHansen said..

Spot on puppet - to confirm nsw race series was members only for all the reasons previously given by yourself and of course insurance ....

No different over here, both the Mounts Bay & Fremantle Sailing club race series required members to be WAKSA members even though they were not KA sanctioned events, which means cover is void. There was no WAKSA race series

Personal cover is not void for participants in events if they are KA insured kiters. Members of the state KA's are covered 24/7 when kiting anywhere, any time, for whatever reason. That includes official or unofficial kiting events.
The difference bw an event being WAKSA sanctioned or not is that provisions under the 'approved event' schedule of the policy extends from participant 3rd party cover to include all activities which are seen to be a part of the event then becoming 'insured' activities.
Eg. Supposing a WAKSA kiter puts on a BBQ at the end of a session for a few of the locals. If the BBQ falls over & inflicts 3rd degree burns to a kid playing nearby then the WAKSA member can not call on his policy to avoid the costs of his liability.
If the BBQ had been a WAKSA approved event then WAKSA becomes the liable party and the 'event schedule' provisions of the policy would indemnify WAKSA from the costs of the injury.
And further - if WAKSA did sanction & register the event - taking on the potential liability - then WAKSA MUST ensure that nothing 'negligent' is done to potentially void the cover.
This is why the WAKSA c'tee is duty bound to ensure for themselves that every sanctioned event is managed in such a way that the insurance underwriters cannot step back from any claim on the grounds of the organisers - WAKSA - acting negligently in their duty to run events with all due care.

Select to expand quote

Personal cover is not void for participants in events if they are KA insured kiters. Members of the state KA's are covered 24/7 when kiting anywhere, any time, for whatever reason. That includes official or unofficial kiting events.care.

http://www.aksa.com.au/Resources/Documents/KAL/1314_Kiteboarding%20Australia_Summary%20of%20Cover.pdf




you are correct, by putting on a BBQ WAKSA do assume liability as event organisers.
But, KAL insurance doesnt cover a kiter 24x7 regardless.

Attending a published event is not deemed recreational.
Events like yacht club racing in WA has not been sanctioned by KA or WAKSA.

The yatch clubs are required to seek approval or running of the events from DoT, this includes the risk plan as required by KAL.
The same risk plan can be submitted to KAL to seek the sanctioning.

The insurance group that underwrites KAL insurance are happy to work with event teams as long as all participants are members, as is the case with yacht club racing. As is the case for the KBV TT racing in Vic run in conjunction with a yacht club and sanctioned by KAL.

Select to expand quote

AndyHansen said..

Attending a published event is not deemed recreational.
Events like yacht club racing in WA has not been sanctioned by KA or WAKSA.

You may be right Andy? This is an issue I think needs clarification. Perhaps KA or WAKSA would like to look into it.
IMO Id be guessing that personal 3rd party would apply in events - but Im certainly not sure on that.
Maybe it would be dependent on the nature of the event ie would it be deemed professional (= non recreational) if there was prize money involved or the kiter was a paid sponsored rider???
Tricky one.
edit ..... it specifically states cover includes events - the reference to 'recreational kiting' is in addition to the previous stated activities which it also covers. It is pretty clear that cover does include your personal cover during 'events'.
So in the case that a KA kiter was participating in a privately organised event (not KA sanctioned) his personal insurance would hold but 'the event' itself would not have the extended cover.

As always its smarter to ask the question & get an answer in writing from the broker or co. rather than waiting on a claim to have the issue decided. Policy wording leaves lots of loop-holes. A direct answer to a direct question clarifies things nicely.

Select to expand quote

puppetonastring said..

AndyHansen said..

Attending a published event is not deemed recreational.
Events like yacht club racing in WA has not been sanctioned by KA or WAKSA.

You may be right Andy? This is an issue I think needs clarification. Perhaps KA or WAKSA would like to look into it.
IMO Id be guessing that personal 3rd party would apply in events - but Im certainly not sure on that.
Maybe it would be dependent on the nature of the event ie would it be deemed professional (= non recreational) if there was prize money involved or the kiter was a paid sponsored rider???
Tricky one.
edit ..... it specifically states cover includes events - the reference to 'recreational kiting' is in addition to the previous stated activities which it also covers. It is pretty clear that cover does include your personal cover during 'events'.
So in the case that a KA kiter was participating in a privately organised event (not KA sanctioned) his personal insurance would hold but 'the event' itself would not have the extended cover.

As always its smarter to ask the question & get an answer in writing from the broker or co. rather than waiting on a claim to have the issue decided. Policy wording leaves lots of loop-holes. A direct answer to a direct question clarifies things nicely.

Its good that insurance is being debated, as it impacts how communities are allowed to grow under their own steam.

5 or 6 volunteers that is the WAKSA committee can not be expected to shoulder the responsibility to carter to the every need of all the groups, regions and sub disciplines across the state. They can not be asked to put on every event for every group.Or to be the held accountable for building engagements that develop the various local community. Each region and each of the disciplines need to take some responsibility, working with the structures to develop their own events and communities, as it is done in all other sports and their associated clubs.

But WAKSA cant support events that include non WAKSA members in part due to insurance and in part due to membership fees.
In discussion with WAKSA, published events that are not sanctioned by KA do not cover members participating.

Examples such as the "Downwinder Party", club racing, and even published downwinders with some commcerial interest (marketing or profit) do not cover participants under WAKSA insurance as they are not sanctioned events.

The various kiting groups are all looking to build their numbers, improve participation and develop a community.
The first challenge is to make sure all those that they engage, invite and support are WAKSA members or they are excluded.

By example of the KSS sessions Downwinders, is every kiter verified as being a WAKSA member prior to launch, are the WASKA event guidlines followed, and the event submitted through the approval processes with WASKA, DoT, and KAL to allow council approval and KAL sanctioning.
These are the challenges all the groups face and it becomes a case of being too hard for many so initiatives die and the community is hamstrung.
The racing community has been fortunate in being able to partner with yacht clubs who act on behalf of the kiters and compete the requirements for Dot & councils. Yet participant are not covered by WAKSA/KA insurance as the events are not sanctioned by KA.

Informal clubs that do form such as KSS, Downwinder Party, WACK, KitingUWA running event for their community, anything from a kiting event to social Kite & BBQ by the letter of definition, are apposed by WAKSA if non WAKSA members are included as the liability is a key concern for them, so many groups simply operate off the radar without much engagement with WAKSA. The result is a divide between the developing communities and WAKSA, the state association that represents them.

I reckon WAKSA should be sold off as a brand and turned into a profit-making small business.

Forget about the 'saving the beaches' thing, there's no money in that.

(An empty promise that has always been a total myth.)

Stick to core stuff like running events and flogging insurance.

Then we wouldn't have to endure reading all the time about how the poor volunteers work themselves to the bone,

with not even a thankyou from free-loaders like myself.

lol.

I tried to take out insurance that I wouldn't get shafted by an insurance company, I'm unisurable

To be fair when ever you cut and paste sections of an insurance policy, I think that you should post the complete policy and let people read its content, the whole policy needs to be read so you understand what is covered.
Current policy here http://www.aksa.com.au/Resources/Documents/KAL/1314_Kiteboarding%20Australia_Summary%20of%20Cover.pdf



text only
??SUMMARY OF INSURANCE FOR
KITEBOARDING AUSTRALIA LTD
INSURANCE PROGRAM 2013/2014
INTRODUCTION
V-Insurance Group has worked closely with Kiteboarding Australia Limited (KAL) to design this insurance program for the KAL and their affiliated State/Territory Associations including all affiliated clubs and its individual members. 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 kiteboarding recreationally. This brochure is a summary of the cover only. If additional cover is required to this standard cover please contact V-Insurance Group.
?WHO IS INSURED?
This program covers Kiteboarding Australia Ltd (KAL) and all affiliated State, Territory Associations including all clubs, all registered members, temporary/trialling members, non-participating officials, coaches, referees, officials, umpires, committee members, employees including apprentices, voluntary workers and work experience students.
WHAT IS COVERED?
This program incorporates three covers;
a) Public Liability b) Professional Indemnity c) Personal Accident
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 ($20,000,000 for events only).
EXCESS
There is a $2,500 excess. The defending party is responsible for the payment of the excess.
Professional Indemnity Insurance
SCOPE OF COVER
This policy provides indemnity to a coach or official if they are held liable for an error or incorrect advice which results in injury or property damage to a third party.
LIMIT OF LIABILITY
The cover provided is up to a maximum of $5,000,000.
EXCESS
There is a $2,500 excess. The defending party is responsible for the payment of the excess.
Personal Accident Insurance
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.
This policy provides cover for members aged between 2 and 100 years of age.
BENEFITS
The main benefits under the Personal Accident Policy as listed below:
1) DEATH & PERMANENT INJURIES
A lump sum benefit is payable in the event of an accidental death or a Permanent Disability. The scale of benefits is defined in the policy. The maximum benefit is $100,000.
2) NON-MEDICARE MEDICAL EXPENSES
This covers insured persons for NON-MEDICARE medical expenses. The policy is for reimbursement only. That is, the member must pay the account and then claim reimbursement under this insurance cover. Note: Only NON-MEDICARE items are claimable (i.e the ?Medicare gap? is not claimable due to government legislation).
The most common ?Non-Medicare? expenses include:
? Private Hospital Bed & Theatre Fees ? Ambulance
? Physiotherapy
? Dental
? Chiropractic ? Osteopathy
Medical expenses that are covered by Medicare (i.e. not covered by this sports injury policy) include:
? Doctor?s Fees
? Anaesthetist?s Fees
? Surgeon?s Fees ? X-rays
CONTINUED OVERLEAF
???Call 1300 945 547 or +61 2 8599 8660 Fax +61 2 8599 8661 Address Level 4, 179 Elizabeth Street, Sydney NSW 2000
Email sports@vinsurancegroup.com www.vinsurancegroup.com
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BENEFIT
Reimbursement up to 85% of Non-Medicare medical costs, up to a maximum of $2,000 per injury.
EXCESS
$100 excess applies to each injury. Nil excess applies if you claim on a Private Health fund.
CONDITIONS
(i) If a member belongs to a private health fund, they must claim from that fund first.
(ii) Non-Medicare medical costs are only reimbursed by this policy if incurred within 52 weeks from the date of injury.
3) LOSS OF INCOME
This benefit provides cover for insured persons who are disabled from an injury relating to events covered and are unable to work.
BENEFIT
85% of your income up to a maximum of $250 per week whichever is the lesser.
EXCESS
There is no benefit claimable for the first 10 days that you are away from work as a result of injury.
BENEFIT PERIOD
52 weeks from the date of injury.
OTHER BENEFITS AVAILABLE BUT NOT LISTED ARE:
? Student Help Weekly Benefit ? Home Help Weekly Benefit ? Broken Bones
Further details relating to the above benefits as well as the policy conditions are contained in the QBE Insurance (Australia) Ltd Personal Accident Product Disclosure Statement & Policy Wording. To obtain a copy of the wording, please contact Kiteboarding Australia.
HOW TO MAKE A CLAIM
PERSONAL ACCIDENT
? ? ?
A claim form will need to be completed and submitted as soon as possible; you can contact V-Insurance Group to obtain a claim form. Onceyouhavecompletedyourclaimformpleaseforwardto V-Insurance Group who will send the documentation to QBE
to assess your claim and arrange payment to you. Onceyourclaimformisreceived,QBEwillcontactKALto confirm that you are a current member.
PROFESSIONAL INDEMNITY & PUBLIC LIABILITY
In the event of a liability claim, do not admit liability under any circumstances. Contact V-Insurance Group immediately to notify any incidents on email: sports@vinsurancegroup.com or phone: (02) 8599 8660 or Toll Free 1300 945 547.
OTHER INSURANCE
Additional Insurance policies are in place for qualifying members, these include;
? AssociationLiability
Please contact Kiteboarding Australia or V-Insurance Group for further details
IMPORTANT NOTES
1) ThissummaryofcoverprovidesfactualinformationabouttheKALInsuranceProgram.This information is only a summary of the cover provided. The policies with full conditions are available by contacting the KAL.
2) Thisinsuranceprogramcommencedon1November2013andexpireson1May2014.
3) V-InsuranceGrouphasarrangedthisinsuranceprogramtoprovidebenefitstothoseregistered
members of KAL who, through injury or accident, incur financial loss and who would otherwise not have received assistance. The program seeks to provide benefits to those most exposed and to maintain protection at the lowest possible cost to membership. It therefore cannot provide 100% cover or a benefit for every loss that occurs. Federal Government Legislation prevents insurance companies from paying any insurance benefit for a medical service that is covered by Medicare. This legislation also applies to the Medicare gap. In addition to these policies all members are encouraged to take out Private Health and Income Protection Insurance.
4) ThisinsuranceisarrangedonagroupbasisforallKALinsuredpersons/entitiesanddoesnottakeinto account each individuals particular circumstances.
5) KALisnotanddoesnotrepresentitselfasalicensedinsurancebrokerbyendorsingtheproducts outlined in this brochure.
6) TheinsurerforthePublicLiability&ProfessionalIndemnityProgramisQBEInsuranceLtdandthe insurer for the Personal Accident program is QBE Insurance (Australia) Ltd.
V-Insurance Group Pty Ltd ABN 67 160 126 509, Authorised Representative No. 432898, is a corporate authorised representative of Willis Australia Limited ABN 90 000 321 237, AFSL No: 240600
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Don't mean to take away from the debate... but if you're spending too much time on seabreeze complaining about the policies you could join the committee and understand first hand what really goes on.