We all love the wind and trying to harness it to propel ourselves along the beach in a kite buggy or on a landyacht, its a sense of exhilaration and freedom that is hard to describe to others.
Its a fact of life that insurance costs are continually rising for all forms of insurance. Fortunately for IPKSA the insurance costs have crept up at a lower rate than most sporting organisations or clubs have experienced, based on our enquiries. Our Officers and Directors Policy is the one which has increased most significantly over the past few years, this is the cover afforded to the Chairperson / President Robert Finlay and all of the other committee members of IPKSA to personally protect them from any injurious claims that may arise while they voluntarily carry the responsibilities of IPKSA officer on members behalf. We did not have this type of cover a decade ago and it was decided that given the changes in human behaviour and attitude towards outdoor activities it is prudent to have it. To remove the officers cover which is around 27% of our annual costs would leave our committee exposed, something that members agreed should not occur for volunteers. When we pay our IPKSA membership we are in fact making a contribution towards the cost of insurance for all member, only paying part of the real cost and nothing goes towards sustaining or growing the IPKSA .
On a number of occasions committee members have looked at the details of our insurance policy to see if there is any one or multiple activities which make a difference to cost, there are none. We like other clubs and associations are unfortunately having to pay more for public liability insurance cover irrespective of our activities. A further review of cover is underway by the secretary since the 2019 AGM to see if this is still the case.
As the only known provider of individual insurance policies for kiting and sandyachting in Ireland (Sports Cover Direct) have just withdrawn from the Irish market due to Brexit. The Irish € zone area are now left uninsured and it is possible these recent insurance underwriting decisions will have an impact on the entire Island € & £ .
For Many years now IPKSA members attending our organised weekends have made a contribution towards the costs associated with our insurance. This means that those who support the gatherings ( you must hold insurance for any type of event or gathering on a beach or public space ) each year contribute the most towards the insurance cost !
Annual insurance costs per adult member in 2018 and 2019 are now above €160 per person whereas we have only charged €70 or £60 per person ! The balance being generated by the members who pay at weekends to support the organised weekend outings in the hope of also getting to have some competition ( their is no extra insurance cost for competitions ). The same members also give up their equipment and time to introduce people to our sports and to try generate some income towards our insurance costs. Its a model that we have discussed many times and have always agreed that its difficult to sustain. On top of insurance we have other standing annual costs for websites , hosting and equipment repair , FISLY registration etc – small but they add up. Overall about €200 or £180 pa is what the current membership needs to pay or generate per member per annum to keep as we are. Yes we have done it for many years and yes we could probably continue to try and do it too.
The alternatives discussed at AGMs were:
Stay as is and apply small membership fee increases.
Let every member pay the full adult insurance cost as a part of their annual membership and have no additional costs for members, and scrap Family membership which is a big cost we currently subsidise. However we should alongside also try to grow membership and try to generate some revenue to grow activities.
Pay up front towards a registration for an event weekend to try and make up some revenue. Offer discounts to those who do –
Pay up front for all weekend gatherings and get a discount –
Many areas explored and many will need to be explored into the future.
As a first step pre registration for weekends as suggested at the 2019 AGM is now available with a discount for supporting more than one.
Remember please, we as members have a responsibility to be fully aware of all the procedures and policies of the IPKSA and to abide by them assisting others to understand them.
Please support the weekend gatherings as without them and those who support them we will have no revenue to continue to support the difference between the cost of your annual insurance and what the IPKSA committee ask members to pay.