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Insurance. What is it and do I need it?

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Created by Lorgra > 9 months ago, 15 Jan 2012
Lorgra
WA, 215 posts
15 Jan 2012 10:29PM
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After getting involved in a kite tangle recently in which the other kiter insisted that I pay for the repair for his kite I asked myself whether I needed insurance or not.

Can someone please explain what kinds of insurnace there are and where to get it.

Cheers G

theDoctor
NSW, 5786 posts
16 Jan 2012 3:09AM
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Go to the gym, lift lots of heavy things, rub oil on your bulging guns, punch out who ever insists anything.... become your own insurance

BennyB12
QLD, 918 posts
16 Jan 2012 8:29AM
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Tell him to get stuffed. Sounds like a whiney bastard. S h i t happens.
Im guessin the premium you would have to pay on a kite repair would be more than the repair itself anyway..

Saffer
VIC, 4501 posts
16 Jan 2012 10:23AM
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BennyB12 said...

Tell him to get stuffed. Sounds like a whiney bastard. S h i t happens.
Im guessin the premium you would have to pay on a kite repair would be more than the repair itself anyway..


I'd say bull. If the guy was clearly at fault, why shouldn't he pay?

LostinSpace
QLD, 388 posts
16 Jan 2012 9:29AM
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BennyB12 said...

Tell him to get stuffed. Sounds like a whiney bastard. S h i t happens.
Im guessin the premium you would have to pay on a kite repair would be more than the repair itself anyway..


It would be cheaper to do a few lines with BennyB12 and chill out

stamp
QLD, 2800 posts
16 Jan 2012 9:47AM
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^^^ i dunno. by the look of his eyes i think someone has jumped on his charles with something dodgy

Robbo2099
WA, 753 posts
16 Jan 2012 8:06AM
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AKSA third party liability insurance it not designed to cover third party kite repairs. It is primarily for third party personal injury (i.e., you injure someone else while kiting) or you damage someone else's (third party's) property while kiting.

The excess (the last time I reviewed the policy schedule, which may have recently changed) was $1,500, so you would be responsible for the first $1,500 of costs, (after review/approval of claim by AKSA/Insurer after which the policy would contribute.

General terms of the policy are here:
http://www.aksa.com.au/insurance

RPM
WA, 1549 posts
16 Jan 2012 9:00AM
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keep your distance and use passing/give way rules. Kite low downwind, kite up high upwind... 50 meters apart..

no need for tangles, kite repairs or forum posts.. Experience riders really get the s***s when people don't follow these rules.

Not saying you were in the wrong, maybe it was the other guys fault... But tangles only happen through carelessness by one or both parties. If someone is heading straight towards you with a pooh stance or out of control... Use commonsense and turn around and head away from them.

Red thumb away newbs.

juicerider
WA, 790 posts
16 Jan 2012 9:11AM
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Was that your core kite I dragged in last week at Pinnas?

RPM
WA, 1549 posts
16 Jan 2012 9:19AM
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theDoctor said...


Go to the gym, lift lots of heavy things, rub oil on your bulging guns, punch out who ever insists anything.... become your own insurance


the Doctor once again pulls no punches....

Have you got a Tshirt yet or what???

Jedibrad
NSW, 527 posts
16 Jan 2012 12:22PM
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What happened ??

lostinlondon
VIC, 1159 posts
16 Jan 2012 1:33PM
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Saffer said...

BennyB12 said...

Tell him to get stuffed. Sounds like a whiney bastard. S h i t happens.
Im guessin the premium you would have to pay on a kite repair would be more than the repair itself anyway..


I'd say bull. If the guy was clearly at fault, why shouldn't he pay?


Yeah agree totally. I rode through someones lines, completely my fault, he was sitting in the water at 12 and I was riding at full pace. I just didn't see him. After the inevitable tangle and swim to the beach, and the untangling of lines, I could see my hard as Naish lines had cut through to the core of his dental floss weight LF lines. I sent him the money the next day and all good.

Not only was I in the wrong but doing the right thing by the other guy just makes for good community. We run into each other (not literally) on the beach quite regularly and we always stop for a bit of a chat. If I hadn't paid up it would just have been bad blood on the beach. Nobody needs that.

But yeah, available insurance out there won't cover you for damage incurred during use, AKSA is just 3rd party and mainly for liability/injury.

Some home insurance policies let you add on equipment but it only covers you for theft and damage incurred whilst not using it.

Lorgra
WA, 215 posts
16 Jan 2012 1:35PM
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The situation has been sorted.

Repair in the end was bugger all so I didn't need to cough up.

Yes Juicerider it was me and I owe you a few beers for that, thanks!

I would like to find out more about right of way while kiting. Didn't get any of that while having lessons.

The only two I know are kiter going out has right of way (which doesn't make sense if you're on a port tack while doing so), and don't jump if someone is down wind of you.

Both of these I learnt on Progression DVD Beginner.

Was I in the wrong. I don't know?

juicerider
WA, 790 posts
16 Jan 2012 2:08PM
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Lorgra said...


Yes Juicerider it was me and I owe you a few beers for that, thanks!


Mate, not a problem, take the beers you owe me and give them to Herve, Im sure that will win him over

jev7337
QLD, 460 posts
16 Jan 2012 4:47PM
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Lorgra said...




I would like to find out more about right of way while kiting. Didn't get any of that while having lessons.




What kiteschool did you go to and what did they teach you?

lostinlondon
VIC, 1159 posts
16 Jan 2012 6:43PM
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Lorgra said...



The only two I know are kiter going out has right of way (which doesn't make sense if you're on a port tack while doing so), and don't jump if someone is down wind of you.



Rider going out only applicable close to shore and really only when the person is getting in the water, prepping for water start etc etc. Once they are up and moving, 25 - 50 m out from shore, normal port/starboard rule applies.

So you know the port/starboard rule that's sweet. But did you know being on starboard requires you to hold a steady course when someone is heading towards you on port? You can't keep changing course dramatically making it difficult to for the person on port to avoid you.

Other rules:

The faster rider must give way to the slower rider.

Hard object/ buoy/ land room: If someone is below you don't go downwind and drive them onto the shore. In addition to this if you are following someone into shore - don't ride up their backside so they have nowhere to turn. This overrides a port/starboard rule

When changing direction in open water check along your wake to make sure someone isn't following you and signal if you intend to change direction.

Moving gives way to stationary - obviously, someone sitting in the water putting their board on has no way of avoiding you so don't ride right up to them. (Common sense addition- keep out of the way of someone body dragging back to their board)

But also when doing a water start make sure you have the space to dive your kite and get going. If someone is passing downwind of you wait until they are past. (not a rule as such but common sense)

RPM
WA, 1549 posts
16 Jan 2012 3:55PM
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jev7337 said...

Lorgra said...




I would like to find out more about right of way while kiting. Didn't get any of that while having lessons.




What kiteschool did you go to and what did they teach you?



go back and bitchslap your instructor for not teaching you right of way...

Big eeeZeee
NSW, 1100 posts
16 Jan 2012 10:06PM
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theDoctor said...


Go to the gym, lift lots of heavy things, rub oil on your bulging guns, punch out who ever insists anything.... become your own insurance


who is this troll?

theDoctor
NSW, 5786 posts
16 Jan 2012 11:46PM
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^^^^^^ hahahaha......

You got the same name as your mum

Big eeeZeee
NSW, 1100 posts
17 Jan 2012 5:34PM
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^^^^^

hehehehehe....

Your mum goes to college.

GreenPat
QLD, 4107 posts
17 Jan 2012 5:11PM
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lostinlondon said...



Other rules:



Don't forget upwind rider on the same tack as downwind rider gives way to downwind rider (who can't see upwind rider so well).

Lorgra
WA, 215 posts
17 Jan 2012 3:28PM
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GreenPat said...

lostinlondon said...



Other rules:



Don't forget upwind rider on the same tack as downwind rider gives way to downwind rider (who can't see upwind rider so well).


What if the upwind rider in this situation has just commenced a water start and is working his kite to keep and gain momentum. The downwind rider has come from some distance back is at speed and is passing the upwind rider.

As the upwind rider is diving his kite for the second time he/she puts it to far down and it drops in front of the downwind rider who is in control and having come from behind is aware of the upwind rider.

Surely the downwind rider should have seen the rider in the water about to do a water start and allowed sufficient room when passing.

lostinlondon
VIC, 1159 posts
17 Jan 2012 6:51PM
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Lorgra said...

GreenPat said...

lostinlondon said...



Other rules:



Don't forget upwind rider on the same tack as downwind rider gives way to downwind rider (who can't see upwind rider so well).


What if the upwind rider in this situation has just commenced a water start and is working his kite to keep and gain momentum. The downwind rider has come from some distance back is at speed and is passing the upwind rider.

As the upwind rider is diving his kite for the second time he/she puts it to far down and it drops in front of the downwind rider who is in control and having come from behind is aware of the upwind rider.

Surely the downwind rider should have seen the rider in the water about to do a water start and allowed sufficient room when passing.


The rider doing the water start should have waited until the other person had passed before starting. You don't just dive your kite any old time you feel like it!



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"Insurance. What is it and do I need it?" started by Lorgra