GKC - Insurance coverage. (What's covered & Whats NOT)

[jolli]

Hi all,

While at the last GKC race on Sunday the we got onto the topic of GKC insurance and what it covers and what it doesnt. Nigel seemed to think that the insurance doesnt cover GKC members for property damage only injury to the public at large. Hope i understood you correclty Nigel :)

Just checked out the GKC website and found the insurance section below which seems to be quite clear on what we are covered for: Property / light poles / cars etc seem to all be included according to the statements on the website. Could someone in the know please clarify this for all and share any real world experainces where they have had to test the insurance out for real. (I have highlighted the qoutes from our website that are the most realivent to the discussion.


Important notes on Insurance Coverage:

The club's broadform insurance policy covers it's financial members against any accidental damage (3rd party injury or property damage) as a result of any kiting incident caused by the member.
Location covered is anywhere in Australia.
Activities Covered: All kite-flying, kite buggying, landboarding, and kiteboarding, basically anything with a kite.
The policy also covers members at festivals, events and competitions - however it does not cover the event itself, or the organizers - just the member participating.
Coverage is for public liability only, and is NOT member to member. It does not include personal injury damage, nor does it cover non-members to whom you might lend your kite to.
Value: 10 million... which is only a few power-poles and a couple of cars really...




JOLLI

[.Joel]

I'm not sure if anyone has "tested" it out. Not since I have been part of the club anyway, perhaps get in contact with the KFA (Kiting Federation of Australia) who the insurance is sought through.

Goshen has been around in the club for years, he probably knows its history a lot better if anyone has claimed through it.

Regards,

.Joel

[jolli]

Do these guys have a website?


JOLLI

[Fast_Eddie]

Hey Joe

I've been wondering the same.....what are the procedures IF there is an incident???
I've also been wondering how much longer do we wait for some sort of GKC club card / acknowledgement / receipt :D
I paid my dues at the last AGM and I'm still waiting Goshen :D

Regards.

[.Joel]

I've also been wondering how much longer do we wait for some sort of GKC club card / acknowledgement / receipt :D
I paid my dues at the last AGM and I'm still waiting Goshen :D.
Well you would then send an email to the secretary or the treasurer and find out directly. I'm sure if you bothered to email the secretary in the first place then then you would most likely have had a response by now.

Regards,

.Joel

[Fast_Eddie]

I've just been doing a bit of googling on "Kiting Federation of Australia". I found a notice of cancellation of association http://www.legislation.act.gov.au/ni/2001-64/current/rtf/2001-64.rtf (http://www.legislation.act.gov.au/ni/2001-64/current/rtf/2001-64.rtf)
I wonder if the insurance cover is still valid? exists?
Does anyone know more about "The club's broadform insurance policy"? and who it is?

Regards

[jolli]

Hi Eddie,

Same thing when i treid to google it myself, but Joel Asures me that we are covered. Anyways it would be nice to have a clear set of intructions if we should ever have to make a claim, anyways lets see what happens.


JOLLI

[Fast_Eddie]

Hi Eddie,

Same thing when i treid to google it myself, but Joel Asures me that we are covered. Anyways it would be nice to have a clear set of intructions if we should ever have to make a claim, anyways lets see what happens.


JOLLI


How would you be if you started a chain reaction of accidents by say: tangling your kite on that powerpole which caused a blackout which caused a few prangs at a major intersection near the airport (Tullamarine) which brought down the radar system in the tower somehow, which caused all international and domestic flights to be cancelled etc. etc. etc pheeeew the mind boggles:confused: So yeah, to the person responsible/privvy/guilty let's have it all out on the table.

Regards

[.Joel]

Hi Eddie,

Same thing when i treid to google it myself, but Joel Asures me that we are covered. Anyways it would be nice to have a clear set of intructions if we should ever have to make a claim, anyways lets see what happens.


JOLLI
I didn't assure anything just yet ;) I know the bill is due around October 30th from memory when I was secretary. Somewhere in there each year that we paid a large sum of money to AKFA as we shared the same insurance policy as them. I'm assuming Goshen would have co-signed the cheque again this year around.

How would you be if you started a chain reaction of accidents by say: tangling your kite on that powerpole which caused a blackout which caused a few prangs at a major intersection near the airport (Tullamarine) which brought down the radar system in the tower somehow, which caused all international and domestic flights to be cancelled etc. etc. etc pheeeew the mind boggles:confused:

Regards
I think that would be hoping the extent of your damage came to $9,999,999.99c ;) But by the sounds of your hypothetical you would be booking a one way flight to Afghanistan where it's legal to wear a mask in a bank.

I much prefer the scenario of an alien landing in the middle of the park, you land your kite on its spaceship, the sonar detector detects it incoming and fires on the kite on impact. Unfamiliar with the construction material of the kite the aliens used a little too much fire power which blows a hole in the atmosphere and we all get sucked out in to outer space and die.
That invoice for damage and insurance is only $9,999,999.98c


So yeah, to the person responsible/privvy/guilty let's have it all out on the table.
So yeah lets have all hypotheticals out on the table, it's so much more constructive then actually emailing those that can answer or are in a position too :D Bring on the hypotheticals because people who donate their free time so you can have a local club and insurance cover really appreciate being called "guilty."

Regards,

.Joel

[Fast_Eddie]

Joel

Guilty is guilty is guilty you know what I meant and what's wrong with going public with this info? I'm sure a lot of guys on here would want to know. The same question has been asked before and there is still no definite answer. As secretary of the GKC you wrote or co signed the cheques to the AKFA true? then what insurance co. was it made out to. I'm curious to see what the poilicy covers, thats all.

[.Joel]

Guilty is guilty is guilty you know what I meant
I don't care what you meant, it is what you typed. And such words have connotations added to them. Seeing as you so love hypotheticals if next year the club falls over or has no secretary because they are fed up with doing a thankless job to make themselves a target for some keyboard warrior to come on here and start calling them "guilty" for giving their own time then I will look at posts like yours, and you will be guilty for that outcome.

what's wrong with going public with this info? I'm sure a lot of guys on here would want to know.
Absolutely nothing wrong, however i'm not on the committee anymore thus i'm not overly eager to answer questions on their behalf. It is how you go about it and what you insinuate in the way you go about it.

The same question has been asked before and there is still no definite answer.
Well then maybe you should email directly to them? Then agan that doesn't get you a song and a dance. I know it was answered twice last year when asked, in fact at the time we supplied copies of parts of the policy to people for events where the organisers wanted to make sure people participating were insured.

As secretary of the GKC you wrote or co signed the cheques to the AKFA true? then what insurance co. was it made out to.
We signed off the cheques to the AKFA (going on memory here without the records in front of me), they send one whole cheque to pay the invoice and the insurance is split 3 ways. AKFA, GKC and another 3rd party.

I'm curious to see what the poilicy covers, thats all.
And once again you could have emailed, asked, had it sorted, sent to you in perhaps PDF format then shared your findings. Instead you have created a song & dance, tried to call them guilty and make it out as if they're hiding something for not putting it all out on the table for you.

I'm personally not suprised nobody has really answered your questions yet, they probably don't even know you posted! :rofl:

Regards,

.Joel

[Fast_Eddie]

Blah blah blah blah

Regards,

.Joel


Keep it on topic ya paranoid biatch :rofl:
who said anything was hypothetical? don't assume anything when you don't know the facts. And yes maybe the answers will come when "they" eventually get to read the thread but you're not helping will all the unnecessary diatribe taking up space :D so just answer the question if you know. I don't really care what color nail polish you prefer :p



"Instead you have created a song & dance, tried to call them guilty and make it out as if they're hiding something for not putting it all out on the table for you."


Did I really do all that ??? ROFL (Paranoia confirmed)



Regards

[nigel]

what's wrong with going public with this info?

Well all you had to do was ask?

Seeing there is a want for, what the insurance covers, I will try to get some copies available to have at the next club meet, next month.


Us committee members do have lives, so we can't spend every second checking EK for any question (I was out flying tonight after work, a nice SW'er :D ).

If you have questions about the club, please contact a committee member, and they will answer it as soon as possible.

I think you will find on any charter for any club, that members are entitled to attend the committee meetings.
You are more than welcome to attend.
There has been only one time, when members were asked to move on, as the committee had to deal with one hard of hearing/ non understanding member.
So please come and join us, you might even like it??

Sorry Joe, I'm only human, you beat me to the punch, I was going to ask Goshen about the insurance details, so I could inform you of the correct details.

I think the best thing for all of us, is not to get in a position where we need to know the insurance details.

Safe and happy kiting fellow GKC members! :nigel:


I vote for sumo suits for Eddie and Joel at the Christmas event!!
Which one to put a $1 on???

[.Joel]

unnecessary diatribe taking up space :D
Coming from the wannabe pole dancer that started it all off with a chain reaction from the power line causing a massive traffic collision which takes out an airport radar which grounds all flights? And i'm the one spreading diatribe? :clapping: Short people short memories. Scroll up the page.

Did I really do all that ??? ROFL (Paranoia confirmed)
No paranoia here, just amusement at your own inability since April to verify if you are a member or not through your own inability to email the correct parties. If you can't get that right I really wonder what would be the point in giving you any further information, you think you could open the pages to read it ?. :D I'll get an adult aid for you just in case. :pleasantry:

PS: I'm going to Domenic's for dinner tomorrow night, you should come eddie it's convenient for you, you only live a few minutes away. Save on meat instead i can poke the rotisserie skewer in your butt, just like a pole dancer on a BBQ! :yes2:

Regards,

.Joel

[Fast_Eddie]

Well all you had to do was ask?



Thank you Nigel

[JKS]

Phew .... I'm exhausted :air_kiss:

[Fast_Eddie]

Coming from the wannabe pole dancer that started it all off with a chain reaction from the power line causing a massive traffic collision which takes out an airport radar which grounds all flights? And i'm the one spreading diatribe? :clapping: Short people short memories. Scroll up the page.


No paranoia here, just amusement at your own inability since April to verify if you are a member or not through your own inability to email the correct parties. If you can't get that right I really wonder what would be the point in giving you any further information, you think you could open the pages to read it ?. :D I'll get an adult aid for you just in case. :pleasantry:

PS: I'm going to Domenic's for dinner tomorrow night, you should come eddie it's convenient for you, you only live a few minutes away. Save on meat instead i can poke the rotisserie skewer in your butt, just like a pole dancer on a BBQ! :yes2:

Regards,

.Joel


Joel

Like i said - Don't assume anything. I gave you an inch of hypothesis and you rant with a mile of diatribe get a hold of yourself. Oh no sorry I shouldn't say that when you already do:rofl:

Have a nice meal at Dom's Vicky is a great cook.

And don't get me started about chubba greek boyz and their affinity with poles, skewers and all things rectal. Keep your fantasies to yourself or I might embarrass you :rofl::eek:

Ps Did you see what happened above?

All you had to do was zip it for a while and you gave Nigel a chance to answer :upyours:

Regards

[.Joel]

All you had to do was zip it for a while and you gave Nigel a chance to answer :upyours:
And you still didn't get your answer did you ... :upyours:
It's somewhere in limbo between the fire truck and the electricity company :dance3:

Regards,

.Joel

[poodel360]

now that was fun to read !!!!!!! http://img2.mysmiley.net/imgs/smile/sign/sign0015.gif (http://www.mysmiley.net/free-sick-smileys.php)

pleas dont stop !!!!
i can read this all day long!!!
http://img2.mysmiley.net/imgs/smile/fighting/fighting0040.gif (http://www.mysmiley.net/free-unhappy-smileys.php)

[Fast_Eddie]

And you still didn't get your answer did you ... :upyours:
It's somewhere in limbo between the fire truck and the electricity company ;)

Regards,

.Joel

True
I'll give you that one.
I knew the Prez would come through....eventually.

A few more question though - to Nigel.
Why not put up the answer on this forum? Does the info we're after really have to be disclosed at the next club meeting?
I think it would be more beneficial to all GKC members if it was posted here for all to see and maybe on the GKC website as well.

Regards,

[.Joel]

now that was fun to read !!!!!!!
pleas dont stop !!!!
i can read this all day long!!!

Don't worry Poodle, you should see us in an oval together when Eddie rolls up wearing his Mankini. You grab on the back of it and flick it like you bra-flick a chick, he bopps like an emu! :D

He gives it as good as i'm giving it to him right now...
Some of Eddie's finer work trying to wind me up :D :
http://www.extremekites.com.au/forums/showthread.php?t=7863
http://www.extremekites.com.au/forums/showthread.php?t=8307

Here you go Poodle I'll keep it going just for you mate and on topic ;)

I've just been doing a bit of googling on "Kiting Federation of Australia". I found a notice of cancellation of association http://www.legislation.act.gov.au/ni/2001-64/current/rtf/2001-64.rtf (http://www.legislation.act.gov.au/ni/2001-64/current/rtf/2001-64.rtf)

Eddie, you need to do a proper search on these things and *generally* they cost money, not much, I think about $20 or so per detailed extract. For example the GKC was deregistered as a local incorporation in Vic in 1996, and re-registered as an incorporation in Vic in 2003. Why i'm not sure, long before my time. But I didn't find the re-registration date until I searched about 4 pages and 80 listings in.

The document you are linking to is an ACT based document from 2001, from 2001 to 2008 (nearly 2009) a lot would have changed paperwise and policy wise in 7 years. Looking at the information in front of me now that shows the re-registration of the club in 2003 there's a good chance that we are searching incorporations in the wrong state.

I'm sure Nigel will come forth with the info, just give him some time. Gary Francis also went through all this a while ago with Goshen getting copies of the underwritten policies and investigating it himself for access to Lake George in the ACT. So the paperwork is floating around the desks no doubt I also remember taking a browse through last year some time (September?) leading up to Speedweek when we were getting insurance to cover us for the BBQ and housing.

Regards,

.Joel

[Luke]

oh no........ not you guys in Victoria too.

Tis the silly season!

[jolli]

Man i should have shut my mouth, i'm amazed that this thread has gone for so long on such a dry topic. LOL
Anyways it has been enjoyable. On the off chance that i sound like a broken record i'll try and ask the original question again.


Are we insured for Property damage or not?
OR are we only insured for injury to the public only (I.e. killing or insuring someone)

Nigel since you seem to have a copy of the policy handy, would appriecate an answer on the original question.


Thanks In advacne!


JOLLI

[Fast_Eddie]

Man i should have shut my mouth, i'm amazed that this thread has gone for so long on such a dry topic. LOL
Anyways it has been enjoyable. On the off chance that i sound like a broken record i'll try and ask the original question again.


Are we insured for Property damage or not?
OR are we only insured for injury to the public only (I.e. killing or insuring someone)

Nigel since you seem to have a copy of the policy handy, would appriecate an answer on the original question.


Thanks In advacne!


JOLLI

Hey Joe

Don't be resentful about asking this question. It needs to be answered.
I'm amazed too that it struck one of Joel's nerves Muahahahahahah


Regards,

[Fast_Eddie]

Eddie, you need to do a proper search on these things and *generally* they cost money, not much, I think about $20 or so per detailed extract. For example the GKC was deregistered as a local incorporation in Vic in 1996, and re-registered as an incorporation in Vic in 2003. Why i'm not sure, long before my time. But I didn't find the re-registration date until I searched about 4 pages and 80 listings in.

The document you are linking to is an ACT based document from 2001, from 2001 to 2008 (nearly 2009) a lot would have changed paperwise and policy wise in 7 years. Looking at the information in front of me now that shows the re-registration of the club in 2003 there's a good chance that we are searching incorporations in the wrong state.


Regards,

.Joel

What is this crap sherlock
There ya go wasting cyberspace again.:rofl:

Hint: don't look for the above. Look for the insurance company policy that has all the info we want to know.

@ poodel G'head feed the Joel why dontcha :rofl: Joel just can't stand anyone having a dig at him, he saves it for a rainy day, it brews and festers and then he ruminates it some more.

Chillax

[JKS]

.... I have never seen him like this before .... NOT !

Just be thankful he's just a forum administrator and not a copper :rofl:

Marty

[.Joel]

What is this crap sherlock
Facts. Educating your ar** otherwise next you will be reading news papers from 2001 telling us the WTC still exists :rofl:

Now i'm off to find you in other topics :D

Regards,

.Joel

[jolli]

Guys Guys Guys,

This should be 101 stuff for us, I also would suggest that this is probably the most important dry topic for the club. It would be really nice to have a clearly documented process to follow in the unlikely event of an incident.

Suggestion for the GKC website: (Simple instructions on what do in the event of an issue how ever large or small it may seem)

A) Have your GKC membership card with you at all times.
b) In the unlikely event that something happens, contact GKC committee member X or Y
c) Fill in the form provide on the GKC website, detailing the occurrence.
d) Don’t speak to the media if it’s a biggy, unless you enjoy that sort of thing.
e) Wait for further instructions fro GKC officials.

I understand that this is a really boring topic but believe it needs to be addressed quickly. We have all had near misses and have walked away thinking that was close. Let’s close this off really quick:



Post a copy of the Board form Insurance cover document on the GKC website.
Post some basic instructions on what to do in the unlikely event of and issue


Don’t think it could be any simpler than that right?

Oh! And please answer my original question at the beginning of the topic! ]

JOLLI over and out for now!:D

[.Joel]

@Eddie, you are consistently talking crap, go sit back in your radar communications tower before it falls again in another chain reaction.

@Joe, I have been looking at last year's certificate of currency after contacting Goshen this morning, and I don't think we will see the current one for another month perhaps?

Each year these run from 31st Oct current, to 31st Oct next both days inclusive 4.00pm local standard time. The Certificates are generated about 3 weeks to a month after the policy starts. Similar to you taking out car insurance and after you have done it all on the phone it arrives in your mail a couple of weeks later. So the dates on this one are....

31.10.2007 Policy Starts
20.11.2007 Policy Certificate Generated
28.02.2008 Policy Reference Dated
31.10.2008 Policy Ends

So the new one should be coming this month some time I'm guessing. However lets go off last years, as i'll assume (remember i'm not on the committee so can't speak on their behalf) not much has changed, here's what is on the policy.


On the policy listed:
Kiting Federation of Australia Inc.
Australian Kite Flyers Association
Geelong & District Kite Club
Adelaide Kite Flyers Association
+ and subsidiary or controlled entities now or previously existing or hereafter formed or acquired.


Business:
Kite Flying
Kiteboarding
Kite Buggies
Kite Landboarding
Stunt Sport Kites
Kite Club- regular monthly fly days meetings.
Kite Demonstrations and Performance
Kite making workshops and festivals

Interest Insured
All sums which you shall become legally liable to pay for compensations in respect of Personal Injury or Property Damage, which happens during the Period of Insurance, and is caused by an Occurence in connection with the business.

The insurance policy is underwritten by Lloyd's.

So even if the KFA is de-registered, makes no difference as we are listed as an entity to the policy underwritten by LLoyds. KFA by the looks of it is an unbrella group possibly. However it is clear covering both Personal Injury and Property Damage. The insurance however is not member to member. So if you hit eddie on the head with a kite and by chance knock him out you're liable (and welcome to do so ;) ) and it won't be covered by insurance. If you hit some Joe Public in the head with a kite you are liable, however all liabilities are coverd by the GKC insurance.

There we go... i'm sure the others can answer whatever other questions you have. That's as much as I can dig up right now. It is a rolling policy just like your insurance, so it's current, however there may be changes (we won't know till the new cert arrives) if one of the other entities on the policy have requested additional cover in other areas. So for the same $$$ we pay as members we are covered in more areas then the previous year.

Regards,

.Joel

[jolli]

Great Joel,

thanks for finally providing clarity on this, good to see we are fully insured for most issues we may encouter flying.

Finally in closing i hope the club posts this information on the GKC site for all to see with clear insturctions for all members to foolow in the event of an issue.

thanks,


JOLLI

[Fast_Eddie]

.... I have never seen him like this before .... NOT !

Just be thankful he's just a forum administrator and not a copper :rofl:

Marty



Sounds like you have never actually met the Joel in person. :D

( you can hypothesise all you like about that )
Now watch him get all upset and start ranting again.

Regards

[goshen]

jesus guys; the answer (already posted way back), was on the GKC WEBSITE.
anyway, I updated it; perhaps it is clearer now.
http://www.geelongkiteclub.org.au/membership.htm#insurance

[Luke]

Tis the season to be jolly falla la la la akum el mullah!

oops sorry for the Arabic my bad!

[jolli]

Nice one Goshen,

Was suprised to see that this thing took on a life of its own, didnt think such a dry subject would spark such long thread.

Also noticed that the Insuraance infromation has been updated. Good to see that you have added more information the the section. Did notice that the last bullet point wasnt there before

Note: Policy Excess is $1,500.

Is this something the club would pay or is this up to the club members to pay in the event of a calim??? not cleary in the note you add.


Thanks


JOLLI

[goshen]

good question...

yes, the Excess is an important thing to consider.
it would be safe to assume that the member would have to pay it if they are at fault.
there has to be some small risk/liability to the person causing the incident.

only in some cases, could I imagine the club paying the excess for members - perhaps if it's club day, and you were borrowing the presidents kites, when a line happened to break, causing massive damage. it'd be on a case by case basis.

[jolli]

Thanks Goshen!


JOLLI