To be fair when ever you cut and paste sections of an insurance policy, I think that you should post the complete policy and let people read its content, the whole policy needs to be read so you understand what is covered.
Current policy here
http://www.aksa.com.au/Resources/Documents/KAL/1314_Kiteboarding%20Australia_Summary%20of%20Cover.pdftext only
??SUMMARY OF INSURANCE FOR
KITEBOARDING AUSTRALIA LTD
INSURANCE PROGRAM 2013/2014
INTRODUCTION
V-Insurance Group has worked closely with Kiteboarding Australia Limited (KAL) to design this insurance program for the KAL and their affiliated State/Territory Associations including all affiliated clubs and its individual members. This insurance cover applies when members and other insured persons/entities are involved in activities that are sanctioned by the KAL. These activities include official events, training, competition, official
social functions, committee meetings, fundraising activities and travel to and from these activities and kiteboarding recreationally. This brochure is a summary of the cover only. If additional cover is required to this standard cover please contact V-Insurance Group.
?WHO IS INSURED?
This program covers Kiteboarding Australia Ltd (KAL) and all affiliated State, Territory Associations including all clubs, all registered members, temporary/trialling members, non-participating officials, coaches, referees, officials, umpires, committee members, employees including apprentices, voluntary workers and work experience students.
WHAT IS COVERED?
This program incorporates three covers;
a) Public Liability b) Professional Indemnity c) Personal Accident
Public and Products Liability Insurance
SCOPE OF COVER
This policy provides protection for insured entities and members that are held liable for a negligent act that results in property damage or bodily injury anywhere in the world (excluding USA & Canada).
LIMIT OF LIABILITY
The cover provided is up to a maximum of $10,000,000 ($20,000,000 for events only).
EXCESS
There is a $2,500 excess. The defending party is responsible for the payment of the excess.
Professional Indemnity Insurance
SCOPE OF COVER
This policy provides indemnity to a coach or official if they are held liable for an error or incorrect advice which results in injury or property damage to a third party.
LIMIT OF LIABILITY
The cover provided is up to a maximum of $5,000,000.
EXCESS
There is a $2,500 excess. The defending party is responsible for the payment of the excess.
Personal Accident Insurance
SCOPE OF COVER
Coverage applies whilst members are involved in sanctioned KAL and State Association activities. These activities include all official events, training, competition, official social functions, committee meetings, fundraising activities and travel to and from these activities and kiteboarding recreationally as individuals.
This policy provides cover for members aged between 2 and 100 years of age.
BENEFITS
The main benefits under the Personal Accident Policy as listed below:
1) DEATH & PERMANENT INJURIES
A lump sum benefit is payable in the event of an accidental death or a Permanent Disability. The scale of benefits is defined in the policy. The maximum benefit is $100,000.
2) NON-MEDICARE MEDICAL EXPENSES
This covers insured persons for NON-MEDICARE medical expenses. The policy is for reimbursement only. That is, the member must pay the account and then claim reimbursement under this insurance cover. Note: Only NON-MEDICARE items are claimable (i.e the ?Medicare gap? is not claimable due to government legislation).
The most common ?Non-Medicare? expenses include:
? Private Hospital Bed & Theatre Fees ? Ambulance
? Physiotherapy
? Dental
? Chiropractic ? Osteopathy
Medical expenses that are covered by Medicare (i.e. not covered by this sports injury policy) include:
? Doctor?s Fees
? Anaesthetist?s Fees
? Surgeon?s Fees ? X-rays
CONTINUED OVERLEAF
???Call 1300 945 547 or +61 2 8599 8660 Fax +61 2 8599 8661 Address Level 4, 179 Elizabeth Street, Sydney NSW 2000
Email
[email protected] www.vinsurancegroup.com
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BENEFIT
Reimbursement up to 85% of Non-Medicare medical costs, up to a maximum of $2,000 per injury.
EXCESS
$100 excess applies to each injury. Nil excess applies if you claim on a Private Health fund.
CONDITIONS
(i) If a member belongs to a private health fund, they must claim from that fund first.
(ii) Non-Medicare medical costs are only reimbursed by this policy if incurred within 52 weeks from the date of injury.
3) LOSS OF INCOME
This benefit provides cover for insured persons who are disabled from an injury relating to events covered and are unable to work.
BENEFIT
85% of your income up to a maximum of $250 per week whichever is the lesser.
EXCESS
There is no benefit claimable for the first 10 days that you are away from work as a result of injury.
BENEFIT PERIOD
52 weeks from the date of injury.
OTHER BENEFITS AVAILABLE BUT NOT LISTED ARE:
? Student Help Weekly Benefit ? Home Help Weekly Benefit ? Broken Bones
Further details relating to the above benefits as well as the policy conditions are contained in the QBE Insurance (Australia) Ltd Personal Accident Product Disclosure Statement & Policy Wording. To obtain a copy of the wording, please contact Kiteboarding Australia.
HOW TO MAKE A CLAIM
PERSONAL ACCIDENT
? ? ?
A claim form will need to be completed and submitted as soon as possible; you can contact V-Insurance Group to obtain a claim form. Onceyouhavecompletedyourclaimformpleaseforwardto V-Insurance Group who will send the documentation to QBE
to assess your claim and arrange payment to you. Onceyourclaimformisreceived,QBEwillcontactKALto confirm that you are a current member.
PROFESSIONAL INDEMNITY & PUBLIC LIABILITY
In the event of a liability claim, do not admit liability under any circumstances. Contact V-Insurance Group immediately to notify any incidents on email:
[email protected] or phone: (02) 8599 8660 or Toll Free 1300 945 547.
OTHER INSURANCE
Additional Insurance policies are in place for qualifying members, these include;
? AssociationLiability
Please contact Kiteboarding Australia or V-Insurance Group for further details
IMPORTANT NOTES
1) ThissummaryofcoverprovidesfactualinformationabouttheKALInsuranceProgram.This information is only a summary of the cover provided. The policies with full conditions are available by contacting the KAL.
2) Thisinsuranceprogramcommencedon1November2013andexpireson1May2014.
3) V-InsuranceGrouphasarrangedthisinsuranceprogramtoprovidebenefitstothoseregistered
members of KAL who, through injury or accident, incur financial loss and who would otherwise not have received assistance. The program seeks to provide benefits to those most exposed and to maintain protection at the lowest possible cost to membership. It therefore cannot provide 100% cover or a benefit for every loss that occurs. Federal Government Legislation prevents insurance companies from paying any insurance benefit for a medical service that is covered by Medicare. This legislation also applies to the Medicare gap. In addition to these policies all members are encouraged to take out Private Health and Income Protection Insurance.
4) ThisinsuranceisarrangedonagroupbasisforallKALinsuredpersons/entitiesanddoesnottakeinto account each individuals particular circumstances.
5) KALisnotanddoesnotrepresentitselfasalicensedinsurancebrokerbyendorsingtheproducts outlined in this brochure.
6) TheinsurerforthePublicLiability&ProfessionalIndemnityProgramisQBEInsuranceLtdandthe insurer for the Personal Accident program is QBE Insurance (Australia) Ltd.
V-Insurance Group Pty Ltd ABN 67 160 126 509, Authorised Representative No. 432898, is a corporate authorised representative of Willis Australia Limited ABN 90 000 321 237, AFSL No: 240600
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I can only say that I received full support from the association and the presidents own time and helpful advise to attend the DOT investigation. I am not saying that IKA would not have come to my aid if they were my insurer but logistically I feel WAKSA offer me personally better representation here in Australia, Just saying. 
