2 week boat exchange wanted

[magpie patrick]

That's an interesting point.

 

If the yacht was used by the Barcelona person for his own purposes then it would be fine? If however, he charters it out at any time and get financial return it would not be ok(?) because it would be deemed that the 'exchange' was in lieu of payment?

 

My folks have a holiday apartment in the South of France. During the holiday season it is let out for financial gain (while they are CC'ing round Europe in their dutch barge). Outside of the 'holiday season, the apartment is available to family, friend etc if they are not using it themselves. If they wanted to do an exchange for a boat/holiday apartment in the UK, would that be deemed as a commercial transaction?

 

Just wondered?

 

I think the answer is that it might affect their judgement of the transaction.

 

As the holiday let you mention seams to be seasonal, then so long as the apartment was borrowed in the off-season then it wouldn't be an issue

 

It may also be that, if the answer is "yes they would charge normally, but the owners were best man and chief bridesmaid at my wedding" they may well view the gift as entirely altruistic on the basis that these people clearly wouldn't normally charge me even though they would charge a normal customer, but I think it would be the insurance company's call.

[mayalld]

I think the answer is that it might affect their judgement of the transaction.

 

As the holiday let you mention seams to be seasonal, then so long as the apartment was borrowed in the off-season then it wouldn't be an issue

 

It may also be that, if the answer is "yes they would charge normally, but the owners were best man and chief bridesmaid at my wedding" they may well view the gift as entirely altruistic on the basis that these people clearly wouldn't normally charge me even though they would charge a normal customer, but I think it would be the insurance company's call.

 

BINGO!

 

The extent of the friendship is key here. Which is why I contend that the ficticious friendship concocted to support such a swap would not be viewed kindly by the insurance company.

[magpie patrick]

BINGO!

 

The extent of the friendship is key here. Which is why I contend that the ficticious friendship concocted to support such a swap would not be viewed kindly by the insurance company.

 

 

Not quite Dave, This is the third test, after whether I as boat owner am getting anything out of the deal, followed by whether others would have to pay for what I shall receive for nothing (mind boggles for a moment!)

 

That said, I wouldn't lend my boat to someone I didn't know (although I occassionally have to remind myself that I don't really know Mayalld, Carlt, Phylis, Sir Nibble, Baldock, Alan Fincher and David Schwiezer (apologies David if I've spelt that wrong) because sometimes it feels like I do

[mrsmelly]

BINGO!

 

The extent of the friendship is key here. Which is why I contend that the ficticious friendship concocted to support such a swap would not be viewed kindly by the insurance company.

 

Christ what is wrong with these people ? If the S--T hit the fan the insurance company would suck you all in and blow you out in bubbles.....no way would they pay out.....wake up and smell the coffee, insurance companys have heard every bullshit tale you and I can think of and loads more besides

[tomsk]

Christ what is wrong with these people ? If the S--T hit the fan the insurance company would suck you all in and blow you out in bubbles.....no way would they pay out.....wake up and smell the coffee, insurance companys have heard every bullshit tale you and I can think of and loads more besides

 

 

Unless you notified them first and cleared it.

[Natalie Graham]

Christ what is wrong with these people ? If the S--T hit the fan the insurance company would suck you all in and blow you out in bubbles.....no way would they pay out.....wake up and smell the coffee, insurance companys have heard every bullshit tale you and I can think of and loads more besides

Why does there have to be anything wrong with people, just because they see things differently from you? Rude man.

 

We already have a post on this thread from someone who asked his insurance if a similar arrangement was acceptable and got the go-ahead. There are agencies which put boat owners the world over in touch with each other for boat swaps. What do they do about insurance? What is it about the UK canals that make them an exception? Do you have some specialist knowledge of the insurance industry that enables you to state that insurance companies will not allow this? Whatever is "wrong with people" is wrong with these people too.

 

What a shame that someone coming to the forum and making an offer of a potentially very enjoyable opportunity for someone to experience a different boating environment for a while gets such a negative, and at times almost abusive, response. If anyone is really concerned what is wrong with simply advising anyone considering this offer to make sure they check their licence and insurance is valid for the exchange? Alternatively, accept that people are grown up enough to take care of their own insurance arrangements.

[Chagall]

Why does there have to be anything wrong with people, just because they see things differently from you? Rude man.

 

We already have a post on this thread from someone who asked his insurance if a similar arrangement was acceptable and got the go-ahead. There are agencies which put boat owners the world over in touch with each other for boat swaps. What do they do about insurance? What is it about the UK canals that make them an exception? Do you have some specialist knowledge of the insurance industry that enables you to state that insurance companies will not allow this? Whatever is "wrong with people" is wrong with these people too.

 

What a shame that someone coming to the forum and making an offer of a potentially very enjoyable opportunity for someone to experience a different boating environment for a while gets such a negative, and at times almost abusive, response. If anyone is really concerned what is wrong with simply advising anyone considering this offer to make sure they check their licence and insurance is valid for the exchange? Alternatively, accept that people are grown up enough to take care of their own insurance arrangements.

 

 

Bravo!...Well said and for being brave enough to put your head up, I thoroughly agree. I will check and inform my insurers before I do it, do you fancy a trip to Barcelona, I will need a crew?

[Machpoint005]

Why does there have to be anything wrong with people, just because they see things differently from you? Rude man.

 

We already have a post on this thread from someone who asked his insurance if a similar arrangement was acceptable and got the go-ahead. There are agencies which put boat owners the world over in touch with each other for boat swaps. What do they do about insurance? What is it about the UK canals that make them an exception? Do you have some specialist knowledge of the insurance industry that enables you to state that insurance companies will not allow this? Whatever is "wrong with people" is wrong with these people too.

 

What a shame that someone coming to the forum and making an offer of a potentially very enjoyable opportunity for someone to experience a different boating environment for a while gets such a negative, and at times almost abusive, response. If anyone is really concerned what is wrong with simply advising anyone considering this offer to make sure they check their licence and insurance is valid for the exchange? Alternatively, accept that people are grown up enough to take care of their own insurance arrangements.

 

I don't think it's rude, he's just saying what most of us are - make sure the relevant insurance company is informed, and has agreed to the arrangement. Mrsmelly has a low opinion of insurance companies, to which he is perfectly entitled, and he has a colourful (if less articulate) way of putting it.

 

Emails and forum postings are useless at getting tone of voice across. There's no point in getting humpty.

[mrsmelly]

Why does there have to be anything wrong with people, just because they see things differently from you? Rude man.

 

We already have a post on this thread from someone who asked his insurance if a similar arrangement was acceptable and got the go-ahead. There are agencies which put boat owners the world over in touch with each other for boat swaps. What do they do about insurance? What is it about the UK canals that make them an exception? Do you have some specialist knowledge of the insurance industry that enables you to state that insurance companies will not allow this? Whatever is "wrong with people" is wrong with these people too.

 

What a shame that someone coming to the forum and making an offer of a potentially very enjoyable opportunity for someone to experience a different boating environment for a while gets such a negative, and at times almost abusive, response. If anyone is really concerned what is wrong with simply advising anyone considering this offer to make sure they check their licence and insurance is valid for the exchange? Alternatively, accept that people are grown up enough to take care of their own insurance arrangements.

 

Hi Nats

 

I do not care if u think me rude, although I am not trying to be, I just talk straight John Bull to the point to everyone. I do not have more faces than the town hall clock only the one. I have no specialist knowledge with insurance companies other than when having dealt with them in a former life as a policeman dealing with fatal road traffic accidents u would not beleive how they wriggle out of paying they look into things that you and many others just would not find credible, beleive me what Dave said ( Mayald ) is spot on just you beleive it...........Happy boating to one and all.

 

Bravo!...Well said and for being brave enough to put your head up, I thoroughly agree. I will check and inform my insurers before I do it, do you fancy a trip to Barcelona, I will need a crew?

 

Hi Tanis

 

Well said !! but as you are a non person, nameless sexless and faceless I cannot reply can I...........Its so easy to throw petrol bombs and stones when you cover your face with a scarfe....

[Chagall]

Hi Tanis

 

Well said !! but as you are a non person, nameless sexless and faceless I cannot reply can I...........Its so easy to throw petrol bombs and stones when you cover your face with a scarfe....

 

a non person hmm?........ Im named so I Am..Oh no sorry thats God.... I don't remember throwing a petrol bomb....did it do any damage?

[Smelly]

No its a boat

 

but why is it not a token when a drink is?

 

Late to the party, I've been busy.

 

A drink isn't necessarily a token. I saw a decision by HMRC a couple of years ago where they accepted that brews were sufficient remuneration to establish an employment relationship... admittedly I was gobsmacked but that's the way they interpreted it. As it benefitted my client at the time (whatever my opinion of that) I asked no questions...

 

As decisions of the Commissioners are not usually publicly available it's difficult to find any precedent.

Edited September 18, 2009 by Smelly