As an Assistant or Instructor, what does professional liability insurance cover?
The professional liability insurance covers you when you ride on your own and while you work based on your qualifications and as long as you respect the IKO Standards.
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.
Is there an Instructor membership without insurance?
No, all membership plans include at least one type of insurance.
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.