willmajor 0 #26 January 24, 2006 QuoteNow all of this represents risk to the policy and increased risk means increased premiums. Up until the inception of this change, the premium these risks brought with them was paid for by the charges paid by German jumpers. That money has now gone but the risk hasn't. 'That money' was never there previously. German jumpers used to jump at RAPA (a BPA DZ on German soil) without being asked to join the BPA. Since they were jumping in their home country it was only polite, and their quite satisfactory German insurance was considered sufficient. This contention arose because the BPA (at the behest of a clause in their insurance policy) moved to require jumpers at any BPA DZ (including RAPA) to hold BPA membership / insurance. Of course, this change does mean that German jumpers have had their freedom extended to using their insurance in the UK mainland without further interference from the BPA - however other posters have discussed the risks (or reduction of risks) of this above. So, what's fortunate IMO is that an argument that started between the BPA and Paderborn Parachute Club over the use of a local DZ (RAPA) grew into an issue that has ended up breaking down some rather unfair boundaries. Maybe it will go further. In fact, dare I say it, had the BPA quietly let Paderborn Parachute Club have their way and continue jumping at RAPA as Ludwig originally lobbied council, maybe we wouldn't have covered the ground we have. Quote Share this post Link to post Share on other sites
mr2mk1g 10 #27 January 25, 2006 True, in that sense the change represents a return to the status quo in realtion to the position at RAPA. Quote Share this post Link to post Share on other sites
sparkyscott 0 #28 January 25, 2006 In reply to the points you raised concerning the GB participation at the World Cup.......... Firstly the BPA did ask for there to be a GB rep however both people asked were unable to attend due to problems with getting time off work. Re the t-shirts, these were funded by the BPA with the same design being used for Eloy as was used for the ESL finals (FS) hence why they only featured a 4-way. They were trying to keep the costs down. As for team friendliness, I thought all GB teams were visibily friendly both during the day at the meet and in the bar afterwards! Mixing with other teams both within the GB delegation and other countries was however made difficult due to the competition site being split and meant that a few teams spent most of their time in the team room area on advise from their coaches. I hope that wouldn't be misunderstood as being unfriendly! Quote Share this post Link to post Share on other sites
skykittykat 0 #29 January 26, 2006 QuoteMixing with other teams both within the GB delegation and other countries was however made difficult due to the competition site being split and meant that a few teams spent most of their time in the team room area on advise from their coaches. I hope that wouldn't be misunderstood as being unfriendly! God, not at all I only quoted 2 teams as they were the most available to interview as they were hanging out in the comp hangar. T-shirt situation I didn't know about. Please do not take my previous post as an attack. I know that I can come across as being caustic and I apologise and that is up to me to word things differently, however I was wondering about the issues I brought up and thank you for clarifying them. I wasn't aware of any competion split - every country was given their own tent depending upon their delegation size. The only split was the landing area - the teams got on the plane at the normal loading area which was next to the Competition Hangar (the planes were taken out and a whole competition/judging area was created to keep everything and everyone together) and landed on the main landing area which was next to Skydive's Arizona Manifest. Some teams were, by their coach's decision, to dirt dive and hang out in the team rooms by Skydive Arizona's main hangar and Manifest, which was a long way from the Competition Hangar. All the UK teams represented their country incredibly well and I wished I had had more time to catch up with them all for interviews for Omniskore, but things were hectic behind the scenes and also I would have been accused of being biased if I had only concentrated on the UK teams Liz Quote Share this post Link to post Share on other sites
sparkyscott 0 #30 January 26, 2006 Yeah no worries, was just concerned that because some of the teams were out of the action i.e. down the team rooms, they were seen not to be mixing in. I would have loved to have made use of the team tents in the hangar, but being one of the largest delegations and also sharing with a couple of other countries there wasn't really any room to relax properly. Also our coach was keen to keep us away from the score boards (part of our plan)....I would have been glued to them had we been in the hangar!!Sparky Quote Share this post Link to post Share on other sites
ludwigschmude 0 #31 January 26, 2006 Quote Saying they get much better cover for £50/year compared to £112 isn't really fair. The £112 also includes BPA membership and the magazine, IIRC the insurance component is £63. I think the worry is that this will increase our costs in two ways: firstly it will reduce the number of BPA members, so the costs of running the organisation will be spread over fewer people. Secondly, a german jumper could claim against a BPA dropzone's insurance, even though they are not contributing to that insurance. --------------------------------------------- Hi everybody, if you are for example a dog owner and you take out a third party insurance in case that dog one day goes luny and bites someone, do you expect that victim to be in the same insurance company and club ? Not sure about you, but me definetly not. Moneywise : BPA - insurance is about 51,20 not 63 GBP DFV membership per year is 42,49 euro/29,15 GBP, DFV insurance is 59 euro/ 40,49 BP. So its 101,49 euro/ 68,62 GBP total, incl. the german parachuting magazine aswell. If you want to take out seperate insurance, as you are free to choose, you find it in the range from 45 - 90 euros/ 30,87 -61,75 GBP on the market. On the market : There are different companies around willing to insure us. But that is not the point : The point is we are insured. And for me, I don´t like to pay out two, three or even more times. I just wonder, how comes that in the UK there are different car insurers ? Surely with the logic the BPA was using, all that is neccessary in the UK would be one company only. Because only then everybody would be paying into the pool and everybody will be happy ? I don´t believe that ! As long as you have all in one group and they start claiming against each other, the insurer can never "save" money by fighting the claim of one, because at the end of the day they have to pay either of them anyway. And what are you going to do when you take your car / parachute outside the UK ? Are you expecting every other nation jumper to accept your (UK) insurance cover ? Or are you willing to pay extra for each country you cross in Europe/ or the world ? --- Opening the can of worms ---- Ever since the first of April 2005 the limit went down to 100.00 GBP/ 160.000 euros, I wonder how many DZ operators nowadays start worrying about Brit jumper being properly insured abroad ? A premature handdeploy on exit taking the plane down, or a midair collision with someone in hospital for 3 month ? 100.00 GBP ? The german/ DFV insurance has been valid worldwide for years, no exclusions, that is including UK. Please excuse my english, Ludwig Schmude Chairman Paderborn Parachute Club BPA Member since 1982, D 4990 Parachute Rigger and Instructor Delegate to the German Parachute Association ---Your mind is like a parachute, it works much better when its open ------- Quote Share this post Link to post Share on other sites ludwigschmude 0 #32 January 27, 2006 Hi everybody, -----Moneywise : BPA - insurance is about 51,20 not 63 GBP ------- I am afraid I put down wrong figures : It is not 51,20 but 51,72 GBP plus tax (2005) ! The prices for the DFV membership and insurance are inclusive tax. Prices are from 2005. Sorry. Please excuse my english, Ludwig Schmude Chairman Paderborn Parachute Club BPA Member since 1982, D 4990 Parachute Rigger and Instructor Delegate to the German Parachute Association ---Your mind is like a parachute, it works much better when its open ------- Quote Share this post Link to post Share on other sites
ludwigschmude 0 #32 January 27, 2006 Hi everybody, -----Moneywise : BPA - insurance is about 51,20 not 63 GBP ------- I am afraid I put down wrong figures : It is not 51,20 but 51,72 GBP plus tax (2005) ! The prices for the DFV membership and insurance are inclusive tax. Prices are from 2005. Sorry. Please excuse my english, Ludwig Schmude Chairman Paderborn Parachute Club BPA Member since 1982, D 4990 Parachute Rigger and Instructor Delegate to the German Parachute Association ---Your mind is like a parachute, it works much better when its open ------- Quote Share this post Link to post Share on other sites
gremlin 0 #33 January 28, 2006 If people think a can of worms has been opened wait until the military situation with respect to insurance comes up. The military train about 2000 students per year and have to pay for temp BPA membership for each one. Why? No idea. The military insurance covers all potential liabilities - and is paying out at the moment. Oh and apparently the BPA insurance SPECIFICALLY excludes payouts for on duty military (when they are covered my the military) Can't see that the military paying for all those temp memberships when they are worthless. Every year I have attended a BPA AGM they say what a good year it has been and how the number of full memberships have dropped. We are doing something wrong or memberships would be on the up. The status quo may be reassuring but is failing.I'm drunk, you're drunk, lets go back to mine.... Quote Share this post Link to post Share on other sites
skytash 0 #34 January 29, 2006 [replyOn the market : There are different companies around willing to insure us. But that is not the point : The point is we are insured. And for me, I don´t like to pay out two, three or even more times. I just wonder, how comes that in the UK there are different car insurers ? Surely with the logic the BPA was using, all that is neccessary in the UK would be one company only. Unfortunately there is only one insurer who is willing to provide 3rd party liability insurance for skydiving in the UK. I'm not sure how long this has been the case, however other insurance companies don't seem to be willing to work out what the risk levels are and how to set the premiums. Working for a life assurance company I suspect there are various reasons for this. I know that we are not prepared to even look at how much life cover premiums would be as there are a maximum of 5072 members of the BPA and the market is therefore too small. If we were to offer it, chances are everyone would take out our cover and we would not be able to spread the risk. This is what happened to AXA on the travel insurance cover, all British jumpers had the AXA travel insurance as it covered skydiving accidents, so they ended up paying for all re-patriations etc and the cost was too high. I think, and Ludwig please correct me here, that the German Haftpflichtversicherung taken out is similar to that of pilots, as skydivers are a subset of pilots per the airflight regulations. As such, the population of potential people looking for insurance is a lot bigger, and multiple insurance companies will provide cover. just got a 20 min call - may expand on this later tashDon't ever save anything for a special occasion. Being alive is a special occasion. Avril Sloe Quote Share this post Link to post Share on other sites