andrewjohn Posted February 9, 2013 Report Posted February 9, 2013 (edited) I do see teds point to some degree. A mostly landboard and regularly get chased by dogs on the beach. What would happen if one of those dogs sent me flying, ending up with me breaking my leg etc etc. Or even the fact that a dog can attack at any time. With compulsory micro chipping of dogs should come compulsory insurance. And I'm sure there are lots more accidents down here involving surfers, how many of them have third party insurance? Having Said that, it's no excuse for us not having it. Edited February 9, 2013 by andrewjohn Quote
Stvredmond Posted February 9, 2013 Report Posted February 9, 2013 i like what cliff is saying.....its all the fault of kitesurfers and their big kites and lines that litter the beaches, generally on the dry bit of beach that the landies are using. Come on kitesurfers square your stuff away Quote
elfasa Posted February 9, 2013 Report Posted February 9, 2013 At the risk of being moaned at, I don't have insurance... I'm very aware of why lots feel the need for it, and the purpose it serves, and to be honest I agree with those points. I don't get it simply for financial reasons. (And I often fly during the day on weekdays, so it's often completely dead when i'm out). Perhaps I will get some soon.. (Especially if/ when I start surfing). Where can I get the cheapest cover? Prefererbly for a variety of kiting activities ? Tim Quote
StarKitesUK Posted February 9, 2013 Report Posted February 9, 2013 @ Ted Not really house insurance if its damaged or stolen outside the home. Car/van insurance would not cover theft either unless you stated it in your policy. Which would add cost Quote
cliff1599968814 Posted February 9, 2013 Report Posted February 9, 2013 At the risk of being moaned at, I don't have insurance... I'm very aware of why lots feel the need for it, and the purpose it serves, and to be honest I agree with those points. I don't get it simply for financial reasons. (And I often fly during the day on weekdays, so it's often completely dead when i'm out). Perhaps I will get some soon.. (Especially if/ when I start surfing). Where can I get the cheapest cover? Prefererbly for a variety of kiting activities ? Tim You've just forked out on a buggybags seat!! Don't you think you should be protecting your arse in other ways??? Quote
eLuSiVeMiTe Posted February 9, 2013 Report Posted February 9, 2013 You've just forked out on a buggybags seat!! Don't you think you should be protecting your arse in other ways??? +1 Wheels Didnt touch sand for me till I was insured. Quote
Stvredmond Posted February 9, 2013 Report Posted February 9, 2013 +1 Wheels Didnt touch sand for me till I was insured. youre my hero starkites.... sorry mate thought some policies might cover it. i know that peoples push bikes and bit and pieces are sometimes covered for theft when outside the household so thought it might be similiar for kiting kit in terms of theft Quote
elfasa Posted February 9, 2013 Report Posted February 9, 2013 You've just forked out on a buggybags seat!! Don't you think you should be protecting your arse in other ways??? Yeah, I know! 2 points specifically about your point, firstly I had just done bits and bobs of work and had just enough to get the seat, and secondly I can see and feel and sit in a seat. Insurance isn't half as exciting! I've thought about getting it for a while, but everytime I have some spare cash I think of something more fun I could spend it on.. Is the alternative to fork out personally in a situation that the insurance would normally cover ? Tim Quote
slide Posted February 9, 2013 Report Posted February 9, 2013 that assurance won't allow you to fly on some local beaches tho Quote
eLuSiVeMiTe Posted February 9, 2013 Report Posted February 9, 2013 youre my hero ] Unfortunately I don't have the luxury of getting in a car and driving to another beach if they decide to ban traction sports at my local spots as I live on a tiny island... It's in everyone's interests here to do everything we can to make it safe and to make sure we're covered if something does go wrong. Everyone I fly with is insured and we all watch each others backs. Go on then poke some more fun at me and my attitudes. £25 for peace of mind ain't much and helps keep spots open for everyone. Quote
iansillett Posted February 9, 2013 Report Posted February 9, 2013 I'm a huge fan of insurance. Though, I have had various close calls where either I've come very close to landing on or running over a dog; or i've been close to being injured due to dogs running up and 'saying hello'. In this circumstance who would come out on top legally? and would insurance help at all? Quote
Chaos Posted February 9, 2013 Report Posted February 9, 2013 (edited) Wasn't there an unfortunate accident when a lady walked in to a land yacht race and was killed a few years ago? If I'm on a beach / field and a: person / kid / dog runs out in front of me, or as in cliff's experience, an unfortunate chain of events happen then I'm covered, for £0.54 per week. Edited February 10, 2013 by Chaos more edits Quote
yorkshireboy Posted February 9, 2013 Report Posted February 9, 2013 I'd be more interested to know how many people have had to use their insurance for a 3rd party claim, and how many of those had a successful outcome. I've had insurance for 4 years, never used it (thankfully). Quote
andrewjohn Posted February 9, 2013 Report Posted February 9, 2013 But as Mick says, insurance is a complete waste of money till you need it. I've been driving for nearly 24 yrs and never made a claim or had a claim made against me on my car insurance. Think of the thousands I've wasted on that. But I'll carry on wasting my £25 or so a years on kite insurance and hope I never need it. Quote
jjpython Posted February 9, 2013 Report Posted February 9, 2013 i have always had insurance, i know the SPKA make no money from it, i would pay a bit more if needs be, NO keith dont get ideas, but for that warm fuzzy peace of mind feeling i know its there to help me, i work for a living and therefore cant afford to spend £10000's on a claim against me, to be honest i find any argument against having it just a feeble excuse you are creating to satisfy your own misguided illusion of "it will never happen" either that or you have a shed load of money in the bank to cover any claims against you rant over Quote
Andy-j Posted February 10, 2013 Author Report Posted February 10, 2013 Seems to be a lot of buggiers and landboarders chiming in here.. imo this is a different topic as i agree there is much more risk to third parties. But this is the kitesurfing section... Quote
eLuSiVeMiTe Posted February 10, 2013 Report Posted February 10, 2013 Seems to be a lot of buggiers and landboarders chiming in here.. imo this is a different topic as i agree there is much more risk to third parties. But this is the kitesurfing section... Hmmm. Wasn't a buggiers kite that someone let fly across 4 lanes of traffic here a couple of weeks ago. That coulda been a bloody serious accident. No one ever owned up to it either.. Reflects badly on us all over here too. Don't let the fact ŷour on the water lull you into a false sense of security. I've had a few close calls on the beach when Kitesurfers have decided its acceptable to amble down the beach onto my path ŵithout looking left or right there kites up high causing me to take evasive. Not to mention leaving kit anywhere they feel like while they get warm and dry before packing up. If I ever had an accident due to a Kitesurfers negligence I'd hope for my sake they had insurance. Reread cliffs experience AJ. Especially the bit where the Kitesurfers disappear and leave him to sort it out. Maybe they weren't insured either.... Quote
Maro Posted February 10, 2013 Report Posted February 10, 2013 Agreed, but they generally use foil kites which, when released, doesn't hold it's shape and thus have the potentiontal to cause as much damage to property as a rogue LEI. And as a rule we can, and often do, go out in more extreme conditions. Quote
The Geoff Posted February 10, 2013 Report Posted February 10, 2013 Following a two hour meeting with the claims investigator discussing everything including class 8 rules to dealing with a court appearance it was decided that without the details of the two kitesurfers I was the next person at fault because I had full view of the other parties leading up to the incident. It took nearly 6 months but the landboarder was rightly compensated for his injuries. Out of curiosity, has the cost of your cover gone up at all after claiming against the policy? Quote
eLuSiVeMiTe Posted February 10, 2013 Report Posted February 10, 2013 Agreed, but they generally use foil kites which, when released, doesn't hold it's shape and thus have the potentiontal to cause as much damage to property as a rogue LEI. And as a rule we can, and often do, go out in more extreme conditions. Yup. We had a lei fly across 4 lanes of traffic here a couple if weeks ago. To date still don't know who's it was. No one owned up. Don't agree re conditions though. We're not all fair weather kiters. Buggys get fast as the windspeeds touch 50. Quote
Gomas Posted February 10, 2013 Report Posted February 10, 2013 I totally see why you wouldn't bother if you kited on a beach more or less all to yourself, but if you kite on a busy beach with lots of innocent bystanders, insurance is definately a good idea. If the anti-crew need any more convincing, personal injury claims against cannot you are not wiped out by bankruptcy! The government can/will automatically deduct payments for claims directly from your wages. There is no escape. Quote
JamesK31 Posted February 10, 2013 Report Posted February 10, 2013 Andy-j Buggy/landboarder may be responding but unless you posses an amazing ability to get from the sea to you're mode of transport without walking in the path of a buggy or landboarder then don't you think it relevant? I am insured and every close call i have had to date is because some dumbass kite surfer just decides to walk right out in front of me... So food for thought, i decide like a fair few to say bollox to insurance and one of the many kite smurfers decide to play chicken with 150kg of stainless steel moving at normally over 45mph and i god forbid snap you in half as i run you over and then fook off down the beach pack up and leave without a trace of who i am, Possibly leaving you paralysed or worse just because you didn't look where you was walking... How is that going to help you in anyway.. Where as if you was insured and the buggy pilot was also insured steps could be taken to secure you're welfare and future.. £25? i piss that up the wall in one night! ill pay my money and hope i dont ever need to use it ta Quote
mick Posted February 10, 2013 Report Posted February 10, 2013 Over 12 years of mixed kiting, I can definately say that for me, land boarders have been the major cause of near misses for me. Most seem to have no awareness of whats around them, blessed with a naievity to think that sh1t doesn't happen and either walk about or generally fly with their kites at the zenith causing any other user to go 30 mtres upwind or dive off down wind. Could I just get cover for land boarder abuse. I think I may need it more now. Just saying how I see it. Quote
mick Posted February 10, 2013 Report Posted February 10, 2013 Andy-j I am insured and every close call i have had to date is because some dumbass kite surfer just decides to walk right out in front of me... Then open your eyes or get to spec savers. If you're travelling down a beach, you should see a kitesurfer leaving the water 100s of metres ahead. He's looking forward not sideways, you're looking forward at him. Quote
Andy-j Posted February 10, 2013 Author Report Posted February 10, 2013 Andy-j Buggy/landboarder may be responding but unless you posses an amazing ability to get from the sea to you're mode of transport without walking in the path of a buggy or landboarder then don't you think it relevant? I am insured and every close call i have had to date is because some dumbass kite surfer just decides to walk right out in front of me... So food for thought, i decide like a fair few to say bollox to insurance and one of the many kite smurfers decide to play chicken with 150kg of stainless steel moving at normally over 45mph and i god forbid snap you in half as i run you over and then fook off down the beach pack up and leave without a trace of who i am, Possibly leaving you paralysed or worse just because you didn't look where you was walking... How is that going to help you in anyway.. Where as if you was insured and the buggy pilot was also insured steps could be taken to secure you're welfare and future.. £25? i piss that up the wall in one night! ill pay my money and hope i dont ever need to use it ta First of all, it's your not you're. (sorry but thats a pet hate) I wasn't dissing landboarders or buggiers in any way shape or form but everyone knows that kite accidents almost always happen on land and due to the nature of your discipline it puts you at higher risk.. I spend about 1-2% of my time with a kite in the air on land, the rest of the time i'm on the water. I bet if you were to look at the statistics its people like you (land kiters) who drive the need for and cost of insurance up in the first place. Quote
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