Everybody participating in sport has a responsibility to ensure that their actions do not cause injury to others or damage to property. If they do, and liability is proven they could become legally liable to pay damages awarded in a court of law.

As the leading Kite Surfing Association in the UK the BKSA have a responsibility to protect their affiliated clubs and members as well as the sport as a whole.

Following a review of the BKSA insurance programme we have decided to appoint specialist sport & leisure insurance broker AE Taylor Sport to represent the interests of the association, and its affiliated clubs and members. Following this review we are pleased to confirm that we have been able to enhance policy cover in a number of key area’s including the addition of personal accident cover for all members.

The following insurance cover and benefits are included in BKSA membership.

Insured:    British Kite Surfing Association and its affiliated clubs and members

Sports:    Power Kiting, Kite Buggying, Land Kite Boarding, Kite Skiing, Kite Surfing and Snow Kite Boarding

Public Liability & Errors and Omissions Insurance

Insurer / Policy No:    SLE Worldwide / 07LI0217

Cover:    In consideration of the payment of the premium stated in the schedule the underwriters agree to indemnify the insured in the terms of this insurance against his liability at law for damages and claimants costs and expenses in respect of: -

A.        

(i) Injury to any person
(ii) Damage to property
(iii) Interference with or loss of enjoyment of property as a result of obstruction trespass or nuisance.

occurring during the period of insurance

B.    Any claim or claims made against the insured and notified to the underwriters during the period of insurance arising out of any negligent act, error or omission on the part of the insured.

Limits of Indemnity:    

A. £5,000,000 any one occurrence, but in all in respect of products      

B. £1,000,000 any one claim and in all during the period of insurance

Excess:        

A. £250 each and every loss in respect of Third Party Property Damage

B. £500 each and every loss

Territorial Limits:    Worldwide, excluding USA/Canada

Members spending more than 30 consecutive days overseas or those travelling to the USA/Canada must be referred to insurers for consideration before cover can be granted

Jurisdiction:   

Worldwide, excluding USA/Canada

Clauses:       

Indemnity to other persons   

Indemnity to principal        Cross liabilities

Extensions:   

Defective Premises Act 1972Leased and Rented Premises
        Motor Vehicles
        Motor Contingent Liability
        Products
        Car Parks
        Cloakrooms
        Libel and Slander
        Breach of Confidentiality
        Loss of Documents

Exclusions:   

Participant to participant liability is excluded in respect of Power Kiting, Kite Buggying, Land Kite Boarding, Kite Skiing and Snow Kite Boarding whilst members are participating in competitive events

Personal Accident Insurance

Insurer - Lloyds   Policy No: GA2095/0/08

Benefits:                                                                      Seniors             Juniors (under 16’s)Death                                                                            £10,000             £  2,000
Permanent Total Loss of Sight in One or Both Eyes            £10,000             £10,000
Loss of One or More Limbs                                              £10,000             £10,000
Permanent Total Loss of Speech                                      £10,000             £10,000
Permanent Total Loss of Hearing
a) In One Ear                                                                £4,000               £4,000             
b) In Both Ears                                                              £10,000             £10,000
Permanent Total Disablement                                         £10,000             £10,000
(other than loss of sight, limb, speech or hearing)

Operative Time:

An insured person will be covered only whilst:-

(a) practising/participating in power kiting, kite buggying, land kite boarding, kite skiing, kite surfing and snow kite boarding
(b) taking part in events organised by the insured
(c) taking part in any social activity organised by the insured

Maximum age:     64 years attained at 01/01/2008

Territorial Limits:     Worldwide, excluding USA/Canada

The information provided in this document is intended to provide summary of the insurance protection provided to the affiliated clubs and members of the BKSA, and are subject to insurers’ policy terms and conditions (a specimen copy of the policy wording is available on request from our insurance brokers AE Taylor Sport).

The BKSA also carries additional insurance protection relating to its own activities.

Other Insurances

All other forms of insurance cover are available from the our insurance brokers; AE Taylor Sport on telephone 01706 666 000 or alternatively please visit www.aetaylor.com

Claims

It is important that all incidents that may give rise to a claim, however minor, are reported to our insurance broker AE Taylor Sport as soon as possible after the event. This will enable them to carry out investigations at an early stage, and ensure that affiliated clubs and members comply with the policy terms and conditions.
 
In NO circumstances should you admit liability or agree to pay for any damage caused, and any third party correspondence received should be sent to AE Taylor Sport immediately. 

AE Taylor Sport
142 Drake Street, Rochdale, Lancashire, OL16 1PU
tel: 01706 666 000  fax: 01706 666 010  email: This email address is being protected from spam bots, you need Javascript enabled to view it

AE Taylor Insurances (Rochdale) Ltd, SLE Worldwide and Equity Red Star are authorised and regulated by the Financial Services Authority.