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.
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.
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 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.
Can I get a refund if I change my mind about the policy and want to cancel?
The IKO will not provide a refund for any online service such as membership, eCourses or eBooks.
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.
What is the maximum/minimum age limit for the recreational insurance policy?
Minimum age is 12 years old and maximum age is 65 years old.
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.
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.
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.