Ex- Member

AHH I see. The proper way seems logical then. Boat get damp LOL The Oak is varnished though anyway.

To be accurate. The tv licence, licences the property/address where tv receiving equipment can be used. I also thought this interesting. I think I've posted it before. http://forums.moneysavingexpert.com/showthread.php?t=1487193

Rudeness? LOL INCORRECT From experience LOLOL You should easily be able to produce a list of hire boat company's that doesn't require and insurance deposit or not require any form of waver then? LOL, as you keep saying. I've quite clearly stated I've taken legal advice on this issue. And clearly all you can come up is more gobbledegook LOL

Yahoo gave me this. https://uk.answers.yahoo.com/question/index?qid=20070303073748AAFaHjt My dad was a radio ham, I do recall that when he had a complaint that his radio aerials interfered with a neighbours TV he was visited by someone from ofcom. http://www.ofcom.org.uk/about/what-is-ofcom/

It wasn't meant to be a competition LOL I've been wrong on here numerous times BTW LOL

No edited Sorry I meant Yes, If you didn't pay for a Collision Damage Waver, they would ask for a cash security deposit instead. They can take this from a CC and refund it if there's no damage to the car/boat The CDW wavers the need to leave/pay a deposit. You dont get the CDW fee back though, it's and insurance policy.

The reason hire companies weather they hire out boats or cars ask/require for a deposit is that generally insurers also require an excess for each individual policy even for private policies. So the hire company doesn't have to pay the access, they ask the hirer to offset that cost with either a deposit, or a pay a smaller fee for damage waver which is non refundable. If the damage to either the hirers boat or a 3rd party boat exceeds the hirers deposit or he purchased a waver, the hirer has now removed himself from the extent of his liability. The hire company can choose to involve his insurance company if there's a third party claim. The 3rd party claims against the Insured "the hire company" The hirer could though be sued by the hire company if they can prove some kind of negligence by them. That's between the hirer and the company though. The hire company is obligated to the 3rd party claimant.

The hirer is required to pay a deposit. If the hirer does any damage to the boat he hires or another boat he/she will lose all or part of that deposit depending on the cost of repair. I would think the hire company would charge for any costs repairs/towing resulting from the hirers negligence. If the damage is more than the deposit, the hire company have a choice to make a claim from their insurance. Fair play Tommy. I do know what I'm on about, when I have to pay for legal advice I listen LOL

Here's a first for you then.

Hi Paul I managed to source some DG window hinges today from the glaziers skip, the biggest I could get were 12 inch which were affixed to medium sized openers 3f/t x 2/f/t, However I don't think they'll be up to the job even using 3 per panel. My panels end width is 655mm and if I fit a centre one I'll need to also fit a support rail for it too not only to the panel but to the box, more time/money hassle. Can I ask what size window hinges you have used. I do realise those are 12v panels and quite light. I have found out you can buy these up to 24" long. I reckon around 16 inch would suffice for our panels as it would attach to over 65% of the panels edge, they're cheap too. http://www.ebay.co.uk/itm/Fire-Egress-Escape-Easy-Easi-Clean-Window-Hinges-UPVC-Side-Hung-Friction-Stays-/121275948923?pt=LH_DefaultDomain_3&var=&hash=item1c3c9c1f7b Bearing in mind my panels are 18 kilos each. I do like the idea of the locking mechanism so if friction is a bit iffy due to weight, at least I can lock the panel at any angle I choose from flat to 90%

Which ever, I'm still shocked you cant understand simple terms & conditions supplied by boat hire companies which totally contradict you claims. No you haven't, NOT until your partial climb down in post 91 where you seem to have seen some light. I have stated all along that the hire companies insurance is where liability lies. Maybe you should read you initial post again LOL Post 30 A complete and utter load of cods wallop, backed up with nothing what so ever. Well if you choose to post such nonsense then can't defend what you claim, then I suggest that's a good solution. And where exactly have I been insulting?

Surely the first 5 words of the TC's answers that.

It's you who doesn't understand. Responsibility yes, but not liability, they are different things. You are responsible but you are not liable.Your insurance takes on the liability because you request and pay for that risk to be covered. If you rent a hire boat the hire company insures the boat. The claim is made against the boat owner, not the hirer. I hardly see the relevance. We're talking about who a boater claims from in the event of an accident. I've posted 2 accounts of hire boaters terms and conditions. I'm astonished you claim to have worked for an insurance company, if you knew anything about insurance you would clearly glean from the hire boat company terms and conditions I'v posted, which are pretty general throughout the hire boat industry, that the hire company are liable and the people you claim from in the event of an accident involving the hire boat company . The hirer's liability ceases at the deposit level he/she pays, or any waver to cover that deposit requirement. As stated I have been through this and have had legal advice. This subject was brought up sometime ago when starcoaster made a claim for accident damage. She claimed from the hire boat company, not the hirer. It really is unfortunate that people post such nonsense based on no evidence at al l. Good luck claiming from the hirer if your boat's rammed by a hire boat

That's not what you said though in your original post though. So indeed you now accept the hirer isn't liable! At least someone is beginning to catch on LOL The most the hirer pays is loss of whatever deposit he/she pays. The company are liable for the claim and any claim for accident damage should be made against th company and not the hirer.

Deero me, didn't you read the terms and conditions I posted, they are from one on the top canal boat hirers in the country. You are also incorrect again. The payment of a CDW is to insure against the cost of the hire boat companies required deposit. This has also been explained in the thread. Again you are completely clueless. Again the boat is insured by the hire company, so the hire company are the insured and liable to anyone that claims for damage. More terms from the hire company. 9. Accidents The Hirer is in charge of the boat and is responsible for its safe navigation and return. In the event of any accident or damage to the boat other craft or the waterway the Hirer must:- 1 Obtain and record the name and registration number of the other boat and names and addresses of all parties involved including the other boat owners and other hirers. 2 Notify the Company by telephone immediately with full details of the accident including damage incurred. 3 NOT IN ANY CIRCUMSTANCES ADMIT OR ALLOW OTHER PERSONS ON THE BOAT TO ADMIT LIABILITY TO ANY OTHER PERSON. 4 Not to carry out or have carried out repairs without the consent of the Company. 5 Obtain and follow the company’s instructions. In the event of an accident the Company may repossess the boat and the hiring contract shall then terminate without liability on the Company. In the event that the Company’s insurance cover is prejudiced or invalidated by any failure on the part of the Hirer to comply with the provisions of this condition the Hirer shall indemnify the Company in respect of all liability claims, loss, damage or expenses incurred. The Hirer is liable for and shall indemnify the Company against any claim or charge made by any Navigation Authority for damage to waterway property or loss of water. Quite clearly the hire company wouldn't require such of the hirer if the hirer was indeed liable as some Txxxxs on hear are still claiming but offer no such evidence to back up their twaddle.

Edited Well it's based on average statistics formulated by some of the removal organisations. Ideally you're supposed to profit from it of course. But in reality that all depends on how many people take the waver. The actual amount of times a key arrives after 2pm is probably around 1 in 10 moves, but that might only be up to an hour late. Up to 2 hours late is about 1 in 25 We just have to hope we get more value in waver fees in than we lose out in covering the time. We generally profit, but it's not a fortune. It's a good service to offer though as many people moving house do realise this can be a problem. So like any insurance they might play safe and pay the waver.

I pay this regularly, we regularly hire 3.5T and 7.5T vans & lorries. There's a £700 crash/damage deposit. The problem with vans & lorries it's easy to scratch the side panels and damage the Luton bodies especially in tight roads and lanes in our area. So for £35 we don't need to pay that deposit, and if we do any damage there's no additional cost charged. My removal company offers a similar waver called a waiting time waver. If a customer doesn't get their house key on time during the house purchase exchange, removal companies will charge a waiting time after 2 pm. Just 2 men and a lorry would cost £85 + per hour + vat. So a waiting time waver charge of £35.00 will release the customer of any charges relating to waiting time up to 6pm. A lady last week saver herself £170 quid just last week. so £35 well spent in her case.

Removing the requirement of paying for the usual deposit boat hire companies require usually around a £500.00 deposit.

What gobbledegook LOL absolutely clueless LOL 7. Insurance The company insures the boat and its equipment and inventory against public liability risks. The company’s insurance does not cover personal accidents or loss or damage to personal effects. Hirers and their crews are advised to take out their own personal insurance cover. The price does not include a compulsory accidental damage waiver per booking. Accidental damage waiver excludes damage arising from speeding, contact with a lock sill causing damage to the rudder, skeg or stern gear, TV aerials, chimneys, malicious or intentional damage to the boat. Also excluded is malicious or intentional damage to other boats and property and the late return of the boat and return of the boat in unclean condition. The Hirer will indemnify the Company against all costs, damage, expenses, liability and claims howsoever arising from the negligence, neglect or default of the Hirer to the extent that they are not covered by the company’s policy. If you hire a car and have an accident that's your fault, the claim will be made against the hire company, NOT you. You the driver hirer are not liable but will lose a deposit. The hire company is legally obliged to insure the vehicle, as is a boat hire company to insure their boats.

Agreed Aesthetically pleasing possibly but a bit flimsy and not useful in any way I can see. We originally had bungs made from a dark Green fabric. These soon got grubby and a bit tatty, the covers were removable for washing, but all a bit fiddly to get washed. We then scrapped them and went for the Faux leather, (real leather 4 times the price LOL) However they clean so easily with a quick wipe from a microfibre cloth. They're made with small loop/tags. We fitted small brass hooks under the gunwale where the portholes are located so hang them there until needed. They're 2 years old now but a quick wipe and they look as good as new. There insulation value through winter alone pays for them in saved heat probably. We do like the way they totally black out the boat as well. Oh the foam pads are 2" thick.

Just bought another slipper. No not a slipper stern. http://www.phoenixsuppliesonline.co.uk/product.asp?category=house-removal-products&midcategory=&subcategory=Handling-Moving-Equipment&productid=58&subproductid=189

But not the person you claim from, and very unlikely the person who would ultimately pay anything what so ever to the claimant other than any deposit he/she paid and possibly lost. As the thread was with regard who to claim from in the event of a boat accident with a hire boat, then I'm clearly right. you could the hirer. That is of course is an option. However as I've clearly stated several times, the initial claim is against the hire company and not the hirer, and TT is incorrect stating it is.

You should read the terms & conditions of a hire boat company. They take deposits to off set their excess requirement by their insurer, the hirer pays a deposit of say £500 if he damages goods/boats to the value of 500 then he loses his deposit. Any claim above that is made against the hire boat company unless the hirer has agreed to cover himself for such liability. If you're in a hire boat and damage my boat the hire boat company is liable. The steerer might be responsible that doesn't make him liable other than any deposit paid as a deposit. That's basically what I've stated, ultimately the hire boat are liable and who a claimant should claim from. 7. Insurance The company insures the boat and its equipment and inventory against public liability risks. The company’s insurance does not cover personal accidents or loss or damage to personal effects. Hirers and their crews are advised to take out their own personal insurance cover. The price does not include a compulsory accidental damage waiver per booking. Accidental damage waiver excludes damage arising from speeding, contact with a lock sill causing damage to the rudder, skeg or stern gear, TV aerials, chimneys, malicious or intentional damage to the boat. Also excluded is malicious or intentional damage to other boats and property and the late return of the boat and return of the boat in unclean condition. The Hirer will indemnify the Company against all costs, damage, expenses, liability and claims howsoever arising from the negligence, neglect or default of the Hirer to the extent that they are not covered by the company’s policy. I read from that that the hire company can claim from their customer, but they are liable weather through their insurance company or not. and the people to claim from if their boat damages another. I have made such a claim, Starcoaster has too, my claim had nothing to do with the hirer although they were responsible, exactly the same for Starcoaster.

I'm shocked customers agreed to offer their insurance information so freely. Seems not just a strange company but some extremely dumb customers. Why would any insurance company in their right mind ever feel the need to alienate hundreds & thousands of customers who have previously made non fault claims as you put it. If an insurance company wishes to raise it's premium they don't need an excuse as crass and stupid as that LOL.

No one is disputing that, your assertion though that and insurance claim from the 3rd party hirer will affect you own insurance premium is remains incorrect.