BKFA arranges its insurance through Howden Group UK Ltd who took over Perkins Slade in 2015. The policies were negotiated through Perkins Slade, a broker recommended by Sport & Recreation Alliance and are underwritten by Hiscox. BKFA is not authorised by the Financial Conduct Authority and as such, insurance is only available as a benefit of membership of the BKFA or its member clubs.
The principal policy provides third party liability cover (as well as a number of other protections) to a club, its officers and members. The second is called Club Affiliated Independent Flyer (CAIF) cover and provides for cover worldwide (except USA and Canada) at any time whether flying individually, at an organised event or in a group. NB - 'Club Affiliated' means that the individual flyer must be a member of an affiliated club. CAIF insurance is not available to members of the public or members of non-affiliated clubs. The policies cover KAPing and bear dropping but not traction or power kiting, confirmed in this set of emails. We have added a small amount to the cost of cover to cover our administration costs.
CAIF cover for 2024 costs £15 per person including insurance premium tax. A summary of the charges is here. This document also includes the membership fees for clubs to join BKFA.
Club premiums are based on member numbers.
There are no discounts for family groups or children and cover is on a per person basis.
A letter outlining the arrangements for this year is here.
We have developed a document that describes the insured activities and this has been agreed by Howdens. It is here.
All the relevant insurance documents for 2024 that pertain to member clubs and CAIF can be found by downloading this file.This includes templates for Club and CAIF letters, and the relevant certificate ( for Clubs ) and policy schedule ( Clubs and CAIF ). Please note that the template now also refers to the BKFA Code of Conduct, available here. The templates are for use by member clubs.