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.
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.
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 . 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 injured 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.
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.