3rd party insurance just how good is it? just interested.

Shoot the breeze and stay in the loop with the unhinged and unhooked word on the street.
Post Reply
kite-uk
Posts: 1057
Joined: Sat May 17, 2008 10:01 pm
Location: Hillhead: where's it's happening
Contact:

Not wishing to start some smear or any kind of witch hunt. Just interested.

But an interesting point was raised by an individual which I don’t agree with how they go about raising issues or write letters to councils etc etc.

But it’s a valid point to ask. Just how good is the insurance we get from ( national club ) in terms of protection, cover and liablity. We all know accidents can happen and I for one just the other day having been riding for some years just got caught with a gust on coming in and stumbled and fell over banged my head ( I was wearing a lid. Best £9.99 I spent ) . Lucky all was ok, every one else was ok eg missed every one as it was on the beach away from every one. My muscle memory of what to do kicked in to rescue the situation in an instant, so it can happen to any one at any time.

Has any one on here had to report incidents or even had to claim or have a 3rd party claim on this insurance.

No malice intended, I am just interested in the comments from Mr M in the past and do they have any foundation. Eg are we covered as much as we think we are. I know I have not spent the time reading all the small print. ( which is unusual for me ). Is there anything we need to do our selves to help keep the insurance in force. Just interested so please no silly negative comments or witch hunts.

Image
broraboyan
Posts: 276
Joined: Tue Sep 17, 2013 9:51 pm

I don't know the in and outs of it all but my understanding of it is if say your kite/you causes the death /injury of someone your kite insurance should cover that instead of the victim going after every thing you own.
JGTR
Posts: 3221
Joined: Sat Jan 15, 2005 9:19 pm
Location: Saaaaaaaaarfend, innit geeza

Lol this old chestnut!!

No one actually knows why we buy insurance and no one can explain what it actually covers. We are all scaremongered into buying it.

I did have an in depth conversation with a BKSA senior instructor who was also none the wiser, said that no one has actually made a sizeable claim yet and it's all a very grey area.
kite-uk
Posts: 1057
Joined: Sat May 17, 2008 10:01 pm
Location: Hillhead: where's it's happening
Contact:

Which 100% why I though I would ask the very question.

Interesting stuff got to say. I mean you would be bonkers not to have some sort of insurance. You do think just how many people are covered at the beach. I know my local beach on the whole we all are but just interesting subject.
paulie_amoose
Posts: 1094
Joined: Thu Apr 21, 2005 1:44 am
Location: Bristol

Has anyone claimed on it? Like ever?
thetrash
Posts: 671
Joined: Sat Oct 30, 2004 12:08 am
Location: east

It's why the premium is peanuts, I doubt there has been a major claim or the premiums would shoot up.
Mr X
Posts: 2894
Joined: Tue Jun 07, 2005 5:25 pm
Location: London

Folks have claimed on BKSA insurance, some third party claims for damage to equipment and vehicles (!) some for personal accident in a number of accidents.

Sent from my A0001 using Tapatalk
kite-uk
Posts: 1057
Joined: Sat May 17, 2008 10:01 pm
Location: Hillhead: where's it's happening
Contact:

Ok well that's a positive start. Stats wise as long as people didn't do some thing silly like set up a 15m kite off ebay they got for £50 and no instruction. The liability like many sports should be quite low risk so it's good to know people have covered.
Mr X
Posts: 2894
Joined: Tue Jun 07, 2005 5:25 pm
Location: London

kite-uk wrote:Ok well that's a positive start. Stats wise as long as people didn't do some thing silly like set up a 15m kite off ebay they got for £50 and no instruction. The liability like many sports should be quite low risk so it's good to know people have covered.
IMO that's not the problem. The problem is folks who should know better doing daft things... And the advent of "100% depower" kites that can be flown in any conditions.
JGTR
Posts: 3221
Joined: Sat Jan 15, 2005 9:19 pm
Location: Saaaaaaaaarfend, innit geeza

Mr X wrote:
kite-uk wrote:Ok well that's a positive start. Stats wise as long as people didn't do some thing silly like set up a 15m kite off ebay they got for £50 and no instruction. The liability like many sports should be quite low risk so it's good to know people have covered.
IMO that's not the problem. The problem is folks who should know better doing daft things... And the advent of "100% depower" kites that can be flown in any conditions.
Doing daft things is fun, otherwise we all be as boring and moaney as you.
southseasailor
Posts: 954
Joined: Thu Aug 25, 2011 12:40 am

Have there been any instances of the general public making a claim against a Kiter? and if so, if they were insured, did the insurance cover it?

I know little about legal stuff, but of some interest was a case a good few years ago where I live. It was all to do with 'Tortes Law' (think I got the spelling right) where a guy warned a company rep of a potentially dangerous situation, and got injured as a result. He wouldn't have got injured on a deliberate basis but he won a substantial payout in damages.

Could this apply to kiting? say you are operating in a public area with dog walkers and picnickers etc, and you injured one of them after they have forewarned you; with the evidence/witness to back that.
highalpha_pass
Posts: 331
Joined: Tue Aug 09, 2005 10:59 am

kite-uk wrote:Ok well that's a positive start. Stats wise as long as people didn't do some thing silly like set up a 15m kite off ebay they got for £50 and no instruction. The liability like many sports should be quite low risk so it's good to know people have covered.
I've seen that happen. Luckily no-one else was hurt apart from the "kiter" and that was just cuts and bruises. Potentially though the incident could have involved a lot of people. The 20m kite ended up behind a windbreak where a family of around 6 people were having a BBQ. That was enough to keep the kite on the deck after the second lofting. Behind that was a large burger van, ice cream van and then dozens of parked cars as the local, annual air show was on that day. He got really, really lucky.
kite-uk
Posts: 1057
Joined: Sat May 17, 2008 10:01 pm
Location: Hillhead: where's it's happening
Contact:

:shock: Bloody hell, just reading that I could fully understand and see in my head how that worked out 20m! I remember seeing a 21m going up and the sun went !!!!!!!!!

JGTR Be nice :P ... Mr X was only pointing out the obvious. But granted we all try a trick or two that looks easy on you tube till you go to do it :?

:lol:
Too Much Wind
Posts: 1704
Joined: Tue Nov 02, 2004 8:14 am
Location: south coast uk

A friend of mine was hit by another kiter whilst kiting (was awalking out at the time so not on board) had his leg broken and did make a claim on the other kiters insurance and a recieved a pay out but i have no more details other than that.

TMW
kite-uk
Posts: 1057
Joined: Sat May 17, 2008 10:01 pm
Location: Hillhead: where's it's happening
Contact:

wow, glad he was ok out side of the broken leg. ( not nice ) ok so the insurance is sounding like it's not as bad as it was hinted at. It does work, just it's better clearly not to be in need of it in the first place. But accidents do happen.
Post Reply