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.
Can I get a refund if I change my mind about the policy and want to cancel?
There is no refund available on membership or insurance[BZ9].
If I accidentally injure another person during a session and they decide to take legal action against me, am I covered under the third party liability insurance?
Yes, you would need to contact IKO support and they would assist you with your claim.
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.
I only work a few months a year and I think the fee is a little high for me, but I don't want to lose my IKO instructor membership, what can I do?
The basic instructor membership is only USD69.90 per year. This includes both the recreational third party liability insurance and all IKO services. Please note, this level of membership does not include cover for your students while you are teaching. You would need to ensure alternative cover is in place.
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.