Which insurance?

[GHP]

I am waiting for my new buggy to arrive, and looking through the forums I thought I would get some insurance.

So I joined (online) BKSA. But just a thought, does this cover all sites (in UK) or do I also need to consider BPKA and also PKA insurance/membership too? I know it's not expensive, but I dont need to join them all do I?

 

Thanks in advance.

[m4ccam]

BKSA will only insure you if it is one of their events, I have been told.

You would be wise to go for BPKA also, as I have had to.

It's a grey area this insurance thing.

Some sites want this and others want that.

To me insurance is insurance but not in the kiting world apparently

 

Sorry if thats not much help but someone will be along who knows more about it

[Bertie]

BKSA will only insure you if it is one of their events, I have been told.

You would be wise to go for BPKA also, as I have had to.

It's a grey area this insurance thing.

Some sites want this and others want that.

To me insurance is insurance but not in the kiting world apparently

 

Sorry if thats not much help but someone will be along who knows more about it

 

thats quite wrong. BKSA will cover you out of competitions on every site that is not banned or requires other insurance. you dont need any other insurance unless your local beach requires you to join a certain club with different insurance

[m4ccam]

BKSA will only insure you if it is one of their events, I have been told.

You would be wise to go for BPKA also, as I have had to.

It's a grey area this insurance thing.

Some sites want this and others want that.

To me insurance is insurance but not in the kiting world apparently

 

Sorry if thats not much help but someone will be along who knows more about it

 

thats quite wrong. BKSA will cover you out of competitions on every site that is not banned or requires other insurance. you dont need any other insurance unless your local beach requires you to join a certain club with different insurance

 

I am doing the 24hr hoylake and was told BKSA was no good because it wasn't one of their events. I have now applied for BPKA as well. I must have interpreted it wrong.

There was quite a long thread over on R/K about the different sites and the insurance they accept, it concluded that one insurance would not cover you fully.

 

Thanks for the info

[Ped]

Your best bet is just to join the SPKA - it covers everything!!!!

 

Ped:)

[GHP]

 

thats quite wrong. BKSA will cover you out of competitions on every site that is not banned or requires other insurance. you dont need any other insurance unless your local beach requires you to join a certain club with different insurance

 

I am doing the 24hr hoylake and was told BKSA was no good because it wasn't one of their events. I have now applied for BPKA as well. I must have interpreted it wrong.

There was quite a long thread over on R/K about the different sites and the insurance they accept, it concluded that one insurance would not cover you fully.

 

Thanks for the info

 

 

The problem with "grey areas" when it comes to insurance is that most insurance companies IMHO will do anything they can to get out of paying out in the event of a claim. For the sake of the extra £15 for BPKA, I may as well adopt the "belt and braces" approach, and join both.

Thanks again.

[custheyder]

...but then you have 2 insurance companies claiming the other is liable and refusing to pay.

[ukspeedtraps]

...but then you have 2 insurance companies claiming the other is liable and refusing to pay.

 

This is a very valid point and can and may happen if they get to know you have two policys..

 

Steve

[custheyder]

Insurance information is shared between companies to prevent fraud. If you don't declare the other policy on the form when it specifically asks then they might refuse to pay because you failed to declare the other policy.

 

It's a mine field!

[GHP]

So which one is it best to join? I already paid for BKSA, online.

 

Ped - I am in Essex, just outside of Scotland !

[custheyder]

Well what events do you want to do? the BKSA will cover you for most.

 

...what was accepted at Atmosphere? (can anyone remember off the top of their head?)

 

BKSA was accepted at Atmosphere, so unless your local beach needs something different I'd stick with what you have.

[royster]

So which one is it best to join? I already paid for BKSA, online.

 

Ped - I am in Essex, just outside of Scotland !

 

 

well this depends where you want to fly.

some comps and festivals will take any insurance and some dont.

i would think you would want to fly at the essex kite park so find out what insurance they use to start with.

go and speak to them at the park im sure they will help you too.

 

i do beleave that hoylake is fed insurance. im sure someone on here will put me right if im wrong.

[GaRRy]

 

thats quite wrong. BKSA will cover you out of competitions on every site that is not banned or requires other insurance. you dont need any other insurance unless your local beach requires you to join a certain club with different insurance

 

I am doing the 24hr hoylake and was told BKSA was no good because it wasn't one of their events. I have now applied for BPKA as well. I must have interpreted it wrong.

There was quite a long thread over on R/K about the different sites and the insurance they accept, it concluded that one insurance would not cover you fully.

 

Thanks for the info

 

you are coorect you will need BPKA insurance (or one of several others) the reason for this is that as i understand it while BKSA insurance covers you any where that you are allowed it does not cover you at non BKSA organised events and so i have been told the insurance is not acceptable for the 24 hour as it would not be valid.

[GaRRy]

So which one is it best to join? I already paid for BKSA, online.

 

Ped - I am in Essex, just outside of Scotland !

 

 

well this depends where you want to fly.

some comps and festivals will take any insurance and some dont.

i would think you would want to fly at the essex kite park so find out what insurance they use to start with.

go and speak to them at the park im sure they will help you too.

 

i do beleave that hoylake is fed insurance. im sure someone on here will put me right if im wrong.

 

for general sailing yep you need fed insurance (and be a member or guest of WSYC).But for events we like others accept a fair few other insurances but i have been told specifically can not accept BKSA as would not be valid.

[The Bibbler1599968771]

this is wshy I have Fed, BPKA and............... bksa

[GaRRy]

Insurance information is shared between companies to prevent fraud. If you don't declare the other policy on the form when it specifically asks then they might refuse to pay because you failed to declare the other policy.

 

It's a mine field!

 

ahh but in most cases its the same policay any way.As far as I am aware there are only two companies providing all the various club insurances (Perkins slade/sun alliance and zurich) which is actually a single general sports insurance covering all sorts of sports (I believe the perkins slade policy is used bu over 300 sports organisations) so in fact you are probaly just paying twice (or more) for the same policy. the reason for this is that each organisation has a different set of conditions for how/when it should pay out.

 

Never managed to work out why it is supposedly a offence to buy more than one insurance for something (although I beleive in fact you only comit a offence if claimi twice) buts its fine for a insurance company to sell you the same insurance multiple times.

[GHP]

So in other words I am Kna~@ered, as I have paid for the insurance from BKSA, so unless I cancel, I have to stick with it. Looking at the terms of the 2 parks I will probably be using, (Barleylands & Essex Powerkite Park), it seems if I pay as a day visitor it just says I need any 3rd party insuramce, however 1 of them requires BPKA insurance if I want to be a member. (Barleylands)

If there is someone on here from either of these places, maybe you could advise?

[m4ccam]

I told you there were grey areas.

[custheyder]

ahh but in most cases its the same policay any way.As far as I am aware there are only two companies providing all the various club insurances (Perkins slade/sun alliance and zurich) which is actually a single general sports insurance covering all sorts of sports (I believe the perkins slade policy is used bu over 300 sports organisations) so in fact you are probaly just paying twice (or more) for the same policy. the reason for this is that each organisation has a different set of conditions for how/when it should pay out.

 

Never managed to work out why it is supposedly a offence to buy more than one insurance for something (although I beleive in fact you only comit a offence if claimi twice) buts its fine for a insurance company to sell you the same insurance multiple times.

 

Which just greatly increases the chance that they will know you have another policy. The problem is when the conditions overlap between the organisations you hold the insurance with.

 

Never really understood the reasoning of only being allowed to claim once as long as you have paid the premiums up to date on both policies and it is a genuine claim. I can understand them not paying out if there are multiple claims specifically to defraud and double your money (ie. you set fire to your own house). Insurance is, after all, betting against disaster. If the odds were not in the insurance companies favour, they wouldn't do it.

[Kush]

I work for an insurance broker (ducking and running for cover - honest it's just for the money ! )

 

Seriously though - it is fine to have two Insurances covering the same thing (dual Insurance), you just need to declare that you have another policy if you claim. As a general rule, both policies are liable (they generally have the same wording) and any settlement would be split between the two Insurance Co's OR one would pay then recover their outlay from the other Insurer.

 

I do not think a club/event can legally stipulate which policy they will accept if they are both providing the same cover. It seems like a way to get you to buy from the particular Association they are affialiated with - I do not think this is legal.

 

I will have a look at the wording for the BPKA and BKSA (I have the BKSA at home I just need someone to link or pm me the wording for BPKA).

 

Need to compare the cover/wording and find out a bit more on the legal side.

 

will keep you posted.

[custheyder]

Yay! ... someone in the industry having a look at it and bringing more than speculation and hearsay.

 

BPKA documentation here

[m4ccam]

But in reality, if you have two policy's But one is accepted and the other one not at said site or event, then you only really have one insurance as the other won't pay anyway.

 

 

Can of worms

[GaRRy]

.

 

I do not think a club/event can legally stipulate which policy they will accept if they are both providing the same cover. It seems like a way to get you to buy from the particular Association they are affialiated with - I do not think this is legal.

 

I will have a look at the wording for the BPKA and BKSA (I have the BKSA at home I just need someone to link or pm me the wording for BPKA).

 

Need to compare the cover/wording and find out a bit more on the legal side.

 

will keep you posted.

 

nothing to do with legal there are usually two reasons a certain insurance wont be accepted.

 

1) its not valid (as in BKSA one)

2) its far easier to administer if you know all your member are insured as you did it for them (remember utilimately the officers of a club could be held liable and this helps them cover themselves)

 

as for checking the policies make sure you also see the schedule for each one as well as im pretty certain the BPKA and BKSA policy is the same one (as is the one for FED and a few other) it is the schedule that puts limitations on the policy.

[avspider]

Am I correct in saying, that in the BPKA ins, there is a clause stating that at events you are only covered if it is a BPKA event?

[Kush]

Hmmm, seems BKSA state: -

*** Events - if it isn´t approved event you will not be covered in the event of an accident

 

This is a little open to question namely 'approved' - still need to check schedule definitions - depends how 'approved' is defined.