When I looked into this "homeowners insurance policy" issue, and read my policy, I could not tell, and needed to call my agent. The worry here is that the agent might not have any idea what you are talking about. I used the example of "golf" in the conversation. Below are some interesting facts about "golf-related" injuries. Draw your own parallels. The "actuaries" who do the statistical analysis of the risk may or may not know about the details of our activity, and it may or may not be a good idea to state the exact activity that you are concerned about, when talking to your agent.William Munney wrote:And your policy covers damage to others from any recreational activities? Are there any exclusions?windybrit wrote:It's a not unreasonable expectation for a consumer to have that anything they buy should work straight out of the box, but it's also prudent for the same consumer to make checks on something they've purchased before trusting their safety (and that of others) to it. It's not possible to always legislate common sense and reasonable behaviour, and we'd all like to think a manufacturer would carry some sort of coverage against their own failings.... but I guess this thread highlights that some don't. Read the small print on the kite or in the manual, I bet there is some wording in which there will be a blanket denial of any liability put there by legal advisors.
Ultimately the person who is there to best look after you is you ........ caveat emptor, oh and check your home insurance policy for liability cover, to double mine cost pennies a month....
Have a great 2014 , stay safe.
Specific exclusions were Skydiving and Paragliding, kitesurfing got lumped together with windsurfing and sailing so wasn't considered a problem.William Munney wrote:And your policy covers damage to others from any recreational activities? Are there any exclusions?windybrit wrote:It's a not unreasonable expectation for a consumer to have that anything they buy should work straight out of the box, but it's also prudent for the same consumer to make checks on something they've purchased before trusting their safety (and that of others) to it. It's not possible to always legislate common sense and reasonable behaviour, and we'd all like to think a manufacturer would carry some sort of coverage against their own failings.... but I guess this thread highlights that some don't. Read the small print on the kite or in the manual, I bet there is some wording in which there will be a blanket denial of any liability put there by legal advisors.
Ultimately the person who is there to best look after you is you ........ caveat emptor, oh and check your home insurance policy for liability cover, to double mine cost pennies a month....
Have a great 2014 , stay safe.
I'm in the insurance biz. It's not so unusual for high risk equip mfgs not to have products coverage. Its hard to get and unless your huge its expensive relative to gross sales.William Munney wrote:And your policy covers damage to others from any recreational activities? Are there any exclusions?windybrit wrote:It's a not unreasonable expectation for a consumer to have that anything they buy should work straight out of the box, but it's also prudent for the same consumer to make checks on something they've purchased before trusting their safety (and that of others) to it. It's not possible to always legislate common sense and reasonable behaviour, and we'd all like to think a manufacturer would carry some sort of coverage against their own failings.... but I guess this thread highlights that some don't. Read the small print on the kite or in the manual, I bet there is some wording in which there will be a blanket denial of any liability put there by legal advisors.
Ultimately the person who is there to best look after you is you ........ caveat emptor, oh and check your home insurance policy for liability cover, to double mine cost pennies a month....
Have a great 2014 , stay safe.
Wow, another eye opener video....chinese laborers working above dyes with only dust masks...not to hijack but I do wonder if cabrinha extends any worker safety exposure standards to its contractors....toyletbowl wrote:
http://www.youtube.com/watch?v=4uE5dzuboHE#t=32
All in all, they do a great job producing kites.
Bob
www.kiteridersllc.com
Spending 30 min with a new product on land isn't far fetched. Go down to the flag (Kailua) and you have enough space. I would know about 3 to 4 spots on every island where's enough room.tautologies wrote: I generally test my kites, but flying them for 30 mins on a wide beach? No one in Hawaii could kite.
I am not quite sure if you are involved in a lot of liability cases. I am sure you are aware that every state also has its own set of rules. Not that I want to join a spitting match with you, but I just beg to differ here.Babel wrote:I agree that the liability is with the kite manufacturer. At least most of it, around 80-90%.
Being a lawyer and a kitesurfer myself there is absolutely no reason why a customer should test the kite for faults by the company. The customer can actually trust in the product being produced properly. The fault is not obvious and thus can not be the problem of the customer. I wouldn't actually know where and how to tune a kite. Most kites can only be tuned in the way that you change the bar pressure and turning speed. What else would you tune?
That's actually a dangerous proposition. The liability laws have been made with that in mind. But - I would think that reality is far, far away from that. I would be surprised that you would buy a new/used car without a test drive just because 'there are laws guaranteeing me certain rights'. I am very sure that your 'test drive' has more to it than just kicking the tires. In the end you do you research since you and your family depends on it. Same for a kite. I am sure you see my point.The customer can actually trust in the product being produced properly.
You will be surprised what you all can check and tune on kites.Most kites can only be tuned in the way that you change the bar pressure and turning speed. What else would you tune?
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