Insurance Tales

I have three of the fleet insured with insurance4dinghies (was towergate Mardon and formerly Red insurance). Have found them very good until recent years where they have a multi level policy (Gold, Silver, Bronze) where basically only Gold is suitable and frankly costs a bomb. On the daughter's Topper I've shifted to GsomethingW and when it comes to renewal time will probably move the Grad,OK and Oppie over as well.

Edited by craiggo - 30 Mar 18 at 9:25pm

Completely irrelevant to the main point of this thread, but I can't help noticing that GJW rapidly jumped well into the lead on the poll over the first few hours it was up, whereas since then the number using GJW has stalled and Noble had forged ahead! 

Or you could say that those on noble end up spending half as much again as gjw because they haven't done any research because they haven't spent enough time online

I used to favour Towergate but was dissappointed with them when I was sailing in from racing in Weymouth Bay on starboard and an Osprey was on port, none of us really looking and we collided. The moron in the Osprey claims that as it was my bow that hit his side it should be 'knock for knock' and Towergate sent his insurer a letter to try and get them to pay up and the moron wouldnt admit fault and came back with some more rubbish, at this point Towergate said that the legal cover only covered 1 letter and that therefore they couldnt recover the loss, I feel that if I pay for legal cover I should get just that, not just 1 letter! Moral of the story - if you smash up a boat insured my towergate dont admit fault and then you will get away scot free after 1 letter! 

Edited by GybeFunny - 03 Apr 18 at 2:06pm

We had a few awful experiences with GJW; two claims where they didn't pay out on technicalities like the boat being wet in the pictures and one where we ended up doing all the work to get a claim paid by the other boat's insurer and they not only tried to interfere with how the repair was carried out but tried to charge us for the admin they didn't do. We also had friends who did have their claims paid but only the repair itself, not the refinishing.