There are three kiter membership options: Basic, Plus and Premium. You can make $4 (Basic), $5 (Plus) and $6 (Premium) for each kiter you refer. You can also earn a free certification credit for every “Free Kiter” you register.
Am I covered if I break someone's kite/board?
Yes, you are covered for material damage, subject to an excess of 250 Euros. If a third party files a claim against you for compensation, contact IKO Support to assist you with your claim.
Can I cumulate/add together compensation from both the recreational third party liability insurance and personal accident insurance?
No, the third party insurance is to compensate others. The personal accident policy applies to yourself[BZ11] .
What if I break my leg while kitesurfing or while working?
Medical expenses are not covered under this insurance. You should use your health insurance if you have any. However, if your injury results in permanent partial or total disability as listed in the policy, you may file a claim for compensation.
What do I do if I have an accident with another person and they need to go to hospital?
If you are responsible for an accident involving a third party, then you must submit a claim so the insurance company can reimburse the other person.
Does the professional third party liability insurance cover me in case of third party property damage and/or injury, or requires hospitalization, just in case someone gets hurt during my lesson?
Yes, contact the IKO support in this case to assist you with your claim.
Will I be covered if I am competing in a competition?
Yes, if your membership is valid, you are covered during competitions. The competition must be recognized by a local, national, or international organization.[BZ10]
What is the maximum/minimum age limit with this policy?
Minimum age is 12 years old and maximum age is 65 years old.
I´m abroad, and require medical attention. What should I do?
There is no coverage for medical expenses. You should use your health insurance if you have it.
Can I get a refund if I change my mind about the policy and want to cancel?
There is no refund available on membership or insurance[BZ9].
If I accidentally injure another person during a session and they decide to take legal action against me, am I covered under the third party liability insurance?
Yes, you would need to contact IKO support and they would assist you with your claim.
If I suffer an injury as a result of kiteboarding, which means I can't work or earn money for a period of time. Will I get compensated for loss of earnings?
No, there is no loss of earnings compensation available.
If I am a valid IKO Instructor but I work independently, or for a non IKO school. Does the professional third party liability insurance cover me?
No, you should ask the kiteboarding school to become an IKO Center, or become one yourself if you are a Level 2 IKO instructor or above, to be covered during your courses.It is included with the Plus and Premium memberships.
I only work a few months a year and I think the fee is a little high for me, but I don't want to lose my IKO instructor membership, what can I do?
The basic instructor membership is only USD69.90 per year. This includes both the recreational third party liability insurance and all IKO services. Please note, this level of membership does not include cover for your students while you are teaching. You would need to ensure alternative cover is in place.[BZ8]
What would happen if a medical center does not accept the insurance?
You or the third party would pay upfront and keep the bills and any paperwork. The claim would then be submitted to the insurance company for reimbursement.
If I am involved in an incident, who should I contact, the IKO or AXA?
You must contact the IKO Support Department, who will assist in the claim procedure.
Is there any IKO third party liability insurance available for my kiteboarding school?
No, IKO insurance is not available for kiteboarding schools. However, if all your students apply individually for the recreational third party liability insurance, and the whole school team including Assistants, Instructors and Trainers applies individually for the professional third party liability insurance, then lessons and courses delivered at your kiteboarding school will be covered as soon as your school becomes an IKO Affiliated Center. If these conditions are met, the IKO no longer requires your school to have a separate insurance certificate.
Is there an Instructor membership without insurance?
No, all membership plans include at least one type of insurance.
Could the IKO get even cheaper insurance?
Because the IKO is the world's largest kite sports organization, we have negotiated very competitive rates for 2020. After the first year of cover, insurance prices and benefits will be revised according to the number of people who sign up and the number of claims that are filed.
Does membership renewal automatically include insurance?
Yes, all membership renewals include insurance, however you must select your membership plan based on the type of insurance you want to be covered by.
How long is the insurance valid for?
The insurance starts as soon as your membership is paid to the IKO and is valid for a period of one year[BZ7] . For Pro courses, the validity period of your Insurance after paying the training fee depends on the training you are doing. You can find more information in the Training Organizer Guide.
With the professional third party liability insurance: are my students covered if they injure and/or damage other people or their property?
If the injury/damage to the third party caused by the student is because of your mistake as an instructor, then the student is covered. If the incident to the third party is caused by the student’s mistake, because they did not respect your instructions or safety rules, for example, then the student is liable. They may be covered by the recreational third party liability insurance if they have it. [BZ6]
Which countries are excluded from your professional liability insurance?
Canada and the USA, and countries embargoed by France or the United Nations.
As a Canadian or American citizen, when is my professional third party liability insurance valid?
Your professional third party liability insurance is valid worldwide, except when you are working in the USA or Canada. This means that if you are working in an IKO Center outside the USA and CANADA, you will be covered.
When is my professional third party liability insurance valid?
The professional third party liability insurance is valid when you are working at any valid IKO Affiliated Center. If the kite school you are working at is not affiliated with the IKO, the school manager can apply online for free affiliation so the kite school becomes an IKO Affiliated Kite Center.
What is the difference between third party liability and personal accident insurance cover?
Third party liability insurance protects you against claims from others. Personal accident insurance compensates you or an assigned beneficiary in the event of your disability, rescue or death, resulting from your personal kitesurfing practice or your professional kitesurfing activity.
There is no medical expense indemnity included in the personal accident insurance cover.
Our office team is available from 12:00 p.m to 5:00 p.m and 6:00 p.m to 8:30 p.m UTC/GMT. +1(809) 5719530