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BEWARE !!!! - IS THERE A GOOD INSURANCE FOR KITERS????

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abel
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Kiting since: 2002
Favorite Beaches: Naxos, Kos, Rodos, Red sea, Cumbuco, Kalpitia (Sri Lanka)
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Location: Small village

BEWARE !!!! - IS THERE A GOOD INSURANCE FOR KITERS????

Postby abel » Tue Sep 18, 2007 4:00 pm

True story:
A kitegal had a small accident and bumped into a f..ng car parking near the water.
She got injured (luckily not so bad) and hospitalised while the car got a pothole.
Now she is dealing with the car owners insurance for the damage SHE cause to the car !!!
:-?

End of story part 1 (to be continued...during next months)

-------------------------------------------------------------

I've searched the forum for feedbacks from members that had insurance claims, but coudn't find any.
I did find several posts about the IKO insurance, but with no factual info or no reply at all.

Some insurance companies accept the inclusion of extereme sports (specifically kitesurfing) within the regular life insurance, but there is no mention of third parties injury or damage of goods.

Can anyone pls. share his actual experience with an Insurance company regarding a kite accident and indemnifying a third party?

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blowhard
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Postby blowhard » Tue Sep 18, 2007 4:46 pm

We recently changed insurers and one of the items we discussed was the liability of boats .
Our present insurer will cover liability on boats under worth less than $10,000.00
for no additional cost.
I would assume that each insurer would have different guidelines.

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abel
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Posts: 1500
Joined: Thu Dec 25, 2003 11:32 pm
Kiting since: 2002
Favorite Beaches: Naxos, Kos, Rodos, Red sea, Cumbuco, Kalpitia (Sri Lanka)
Gear: Cabrinha, Liquid force, Moses hydrofoil
Brand Affiliation: None
Location: Small village

Postby abel » Tue Sep 18, 2007 5:26 pm

blowhard wrote:We recently changed insurers and one of the items we discussed was the liability of boats .
Our present insurer will cover liability on boats under worth less than $10,000.00
for no additional cost.
I would assume that each insurer would have different guidelines.
How much will your insurer will pay if you injure a bystander on the beach and he sues you ?

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blowhard
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Postby blowhard » Tue Sep 18, 2007 6:24 pm

It would be the same as my car insurance .

and I carry an umbrella on all my activities

los dos
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Postby los dos » Tue Sep 18, 2007 9:48 pm

In the USA your homeowners policy will cover you for liability (property damage or personal injury) that you cause due to your actions or negligence.

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MissionMan
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Postby MissionMan » Tue Sep 18, 2007 10:28 pm

Car damage should be the least of your worries in that sort of incident. The medical costs of a serious incident can amount to close on $200,000.

Skyway Scott

Postby Skyway Scott » Wed Sep 19, 2007 5:00 am

I am really curious about this question as well.
It seems two pronged- coverage for getting sued and coverage for getting really messed up.

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MissionMan
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Postby MissionMan » Wed Sep 19, 2007 6:53 am

From what I understand, you get insurance for this type of thing if you join the IKO

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Wetstuff
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Postby Wetstuff » Wed Sep 19, 2007 4:16 pm

abel: If the car didn't jump out into the water and hit her as she was kiting along - then she's going to have to be an adult and accept responsibility for her hitting the car. How could it be otherwise?!

Tell her to write the check and apologize for taking their car out of service for the repair.

j i m

intrepid_quest
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Location: Goin to hell if i don't change my ways; Or HoodRiver if you would like.

Postby intrepid_quest » Wed Sep 19, 2007 10:57 pm

FUCK INSURANCE COMPANIES

Insurance is all bullshit anyways... you pay outrageous prices so the company can just screw you. And they make laws so that you have to get insurance to do anything legally so fuck em all.


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