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Kev M View Drop Down
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Post Options Post Options   Quote Kev M Quote  Post ReplyReply Direct Link To This Post Topic: Insurance Claims
    Posted: 01 Oct 12 at 11:52am

I know I could ask this question to the insurance company but I don't want to get their heckles up until I know what is likely to happen.


If two boats have a port-starboard incident and need repairing and the non-fault boat claims off of the insurance of the boat at fault, would repairing both boats be classed as one claim or two claims?


It's the difference between 350 excess and 700 excess at stake here.



Successfully confusing ambition with ability since 1980.
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Noble Marine View Drop Down
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Post Options Post Options   Quote Noble Marine Quote  Post ReplyReply Direct Link To This Post Posted: 01 Oct 12 at 12:00pm
In my experience only one excess would apply.
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pondmonkey View Drop Down
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Post Options Post Options   Quote pondmonkey Quote  Post ReplyReply Direct Link To This Post Posted: 01 Oct 12 at 12:00pm
AIUI- one excess from the person claiming liability.  I'm assuming it's amicable btw?

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Kev M View Drop Down
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Post Options Post Options   Quote Kev M Quote  Post ReplyReply Direct Link To This Post Posted: 01 Oct 12 at 12:07pm
Thanks for the replies.  It's all amicable, nobody was injured which is the main thing.
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Neptune View Drop Down
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Post Options Post Options   Quote Neptune Quote  Post ReplyReply Direct Link To This Post Posted: 01 Oct 12 at 12:40pm
how much excess!  I am presuming you were yacht sailing.
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davidh075 View Drop Down
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Post Options Post Options   Quote davidh075 Quote  Post ReplyReply Direct Link To This Post Posted: 20 Jan 13 at 1:20pm
There's always grey boundaries (inevitably I'm afraid) but as a rule of thumb;
- It's a single excess if it happens at the same time (no matter how many vessels involved or what the extent of the damage). 
- Two times excesses will be charged when two separate incidents happen (even if both are on the same day/ involve the same vessel).
www.merciamarine.co.uk - Boat Insurance from Mercia Marine
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