Insurance companies

[Sam]

Can i suggest that in this topic people post the good and bad boat insurance companies - this may help people who are looking for insurance etc...

 

Thanks

Sam

[Bernie]

If there are any so called bad ones I think we would be asking for trouble naming the company on a public forum, libel laws?

Edited May 28, 2005 by Bernie

[Sam]

true -ok

 

ONLY GOOD COMPANIES

[gaggle]

all i will say is make sure you have some in place.disasters do happen. a bad policy with some cover is better than none.my home was once completely gutted by fire and i was left with nothing but my life.the insurance company put my whole life back on level.check your smoke alarms NOW.GET OUT AND STAY OUT

[John Orentas]

The general rule in these matters (not just on web sites). You can say whatever you like as long as it is true, that usually means you need documentary evidence, you might just be called upon to substantiate anything you say.

[Bernie]

The problem is what may be seen to be true for one maybe not so for another. It is very often how things are interpreted.

[Uncle Noah]

The problem is what may be seen to be true for one maybe not so for another. It is very often how things are interpreted.

21128[/snapback]

 

 

 

Hello again everyone,

 

Interpretation and understanding about insurance can get mixed up. Please everyone listen to this advice because, from experience it may not be the insurance company who does the dirty on you.

 

We hope not to bore anyone over and over but we believe a valuable lesson can be learned.

 

We were advised by a 'Specialist Marine Insurance Consultant', (Bristol Channel Marine Insurance Consultants LLP) who arranged our insurance, fully insured up to £1M.

 

There was an accident to our vessel, a 'grounding' or 'stranding' and the insurance 'cover' said this was 'covered'. So what was the problem? Well the marina company, (it was called Crest Nicholson Marinas Limited at the time but now it is called Quay Marinas) who do not dispute that they caused the grounding 'accident', deliberately failed to provide permission to us so that we could lift the vessel to get it checked over. The 'Specialst Marine Insurance Consultant' effectively advised, if you want to stay in the marina, shut up! Experts in doing what is good for business, which may not be what's good for you as a claimant.

 

PLEASE PLEASE PLEASE learn from our terrible experience. Request your broker, agent or insurance provider, (or Specialist Marine Insurance Consultant) to make sure that in the event that if you are misfortunate enough to sustain a stranding or grounding of your vessel in harbour (whether it be caused by the harbour authority or marina company or whatever), that you will you be properly covered, 'in all events', to get haul-out survey work done, wherever that haul out may have to take place. Get it in writing.

 

We hope it never happens, but then, we never thought we would be treated so badly either, but it was not the insurance company who treated us so disgracefully.

 

Kind regards,

 

The Shalom Family Campaign for Justice Wales

 

http://www.indymedia.org.uk/en/regions/wor.../07/318335.html

[Gary Peacock]

I think we need to take care here, there can be a vast gulf between cheap and good!

We all like cheap premiums but we also like good customer services and correct cover in the event of a disaster.

 

It would be nice to here some real claim experiences, that will tell a lot more then cheap premiums.

[dor]

Well I use Haven Konx-Johnson. Not the cheapest, but they did not quibble when I made a claim. When I rang round ( or emailed round) to get some other quotes one year, a number of companies did not want to know my (then) 14 year old boat. Some only seem to want the nice shiny new ones on their books.