Specifically designed for your personal and professional kitesurfing activities, the IKO Insurance Program offers all IKO members peace of mind and covers you in case of unexpected incidents. This master insurance policy is provided by XL Insurance Company SE through the insurance broker Saam/Verspieren Group, two major experts in the field of sports insurance.
Get Covered While You Kite
For students and all kiter levels, the recreational third party liability insurance covers you against claims resulting from injuries and damage to other people and/or their property.
Work With Protection
For Pros from Assistant and Instructors up to Trainers, the professional third party liability insurance covers you against claims for which you are responsible.
Personal Accident Coverage
Compensates you or an assigned beneficiary in the event of disability, rescue or death during your kitesurfing activities.
Kitesurf Events and More Activities Covered
Kitesurf competitions as well as snowkite, stand up paddle, surf, wingfoil and kayak activities are also covered.
From 1st June 2020, insurance is included in all memberships.
Your coverage starts when your subscription, renewal or upgrade payment is completed.
For any requests or questions about the insurance, please contact the IKO office by email: insurance@ikointl.com
They are insured as soon as they enroll in any of the IKO Kiter Membership Plan
Yes, you are covered for material damage, subject to an excess of 250 Euros. If a third party files a claim against you for compensation, contact IKO Support to assist you with your claim.
No, the third-party insurance is to compensate others. The personal accident policy applies to yourself.
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.
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.
Yes, contact the IKO support in this case to assist you with your claim.
Yes, if your membership is valid, you are covered during competitions. The competition must be recognized by a local, national, or international organization.
Minimum age is 12 years old and maximum age is 65 years old.
There is no coverage for medical expenses. You should use your health insurance if you have it.
The IKO will not provide a refund for any online service such as membership, eCourses or eBooks.
No, there is no loss of earnings compensation available.
Not yet. Professional liability insurance is only valid when teaching within an official IKO Center.
To get covered, simply join or create an IKO Center (available from Level 2). Once affiliated, your Plus or Premium membership activates your professional liability coverage—so you can teach with confidence.
You can choose the Basic Instructor Membership for just USD 79.90 per year. It allows you to keep your IKO certification active while benefiting from recreational third-party liability insurance and full access to IKO services.
Please note: this plan does not include professional liability coverage for teaching, so your students are not covered during your lessons.
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.
You must contact the IKO Support Department, who will assist in the claim procedure.
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.
No, all membership plans include at least one type of insurance.
Yes. All membership renewals include insurance. Simply choose the membership plan that matches the type of coverage you need, and your insurance will be included accordingly.
Your insurance becomes active as soon as your IKO membership is paid and is valid for one year.
For Pro Courses, coverage starts on the first day of the course and remains valid for one year from that date.
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.
Your insurance is generally valid worldwide, including certain countries such as Colombia, Peru, Cuba, and Venezuela, subject to specific conditions and exclusions.
However, coverage does not apply in certain high-risk or restricted countries or regions, and it is also excluded where activities violate international sanctions.
Please note: personal accident insurance does not cover medical expenses.
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.
