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Poll Question: Who do you use?
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15 [34.88%]
17 [39.53%]
7 [16.28%]
4 [9.30%]
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ian.r.mcdonald View Drop Down
Far too distracted from work
Far too distracted from work


Joined: 24 Feb 06
Location: United Kingdom
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Posts: 440 		Post Options Post Options   Quote ian.r.mcdonald Quote  Post ReplyReply Direct Link To This Post Topic: Insurance Tales
    Posted: 05 Apr 18 at 5:53pm
Is there a general feeling that paying more than gjw for craftinsure is worth it?    my last claim was 20 years ago!
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Sam.Spoons View Drop Down
Really should get out more
Really should get out more


Joined: 07 Mar 12
Location: Manchester UK
Online Status: Online
Posts: 3400 		Post Options Post Options   Quote Sam.Spoons Quote  Post ReplyReply Direct Link To This Post Posted: 05 Apr 18 at 6:34pm
I don't know about general but I've been fine with Craft Insure and they were the cheapest a few years ago, two fairly big claims in 9 years no problems.

Edited by Sam.Spoons - 05 Apr 18 at 6:35pm
Spice 346 "Flat Broke"
Blaze 671 "supersonic soap dish"
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maxibuddah View Drop Down
Really should get out more
Really should get out more
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Joined: 06 Mar 09
Location: United Kingdom
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Posts: 1760 		Post Options Post Options   Quote maxibuddah Quote  Post ReplyReply Direct Link To This Post Posted: 05 Apr 18 at 8:16pm
I'm with craftinsure for the sole reason that they offer payment in installments and i couldn't afford the one off payment for my Finn insurance.

I have used them before and they paid out when i trashed the trailing edge of my centreboard when the boat cartwheeled over the rescue boat at a champs at chew. No issues then. Noble were good in the past but i cannot afford them. With only one claim in over 15 years i reckon it was worth going cheaper
Everything I say is my opinion, honest
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Paramedic View Drop Down
Really should get out more
Really should get out more


Joined: 27 Jan 06
Location: United Kingdom
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Posts: 929 		Post Options Post Options   Quote Paramedic Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 18 at 7:39am
Originally posted by GybeFunny

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! 
I am now with GJW but have thankfully never claimed.

The way that reads have to say I think that the Osprey was right. If neither of you were looking where you were going you were both at fault :)

I had an incident years ago where we were penned in unable to tack surrounded by other boats all of us on port tack and a starboard tacker literally sailed straight through the side of us (3 foot by 1 foot hole) having had every opportunity to take avoiding action.

I was not happy when my insurer (Cant remember who it was) didn't pursue the other party.

I think things are a bit better now, but the point is that right of way does not exonerate you from causing damage.
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Gordon 1430 View Drop Down
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Far too distracted from work


Joined: 27 Jun 17
Location: Lee on Solent
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Posts: 310 		Post Options Post Options   Quote Gordon 1430 Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 18 at 8:46am
I thought the answer in these sort of cases was to sort it out in a protest and then send the results to your insurance company.  
Gordon
Phantom 1430
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423zero View Drop Down
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Really should get out more


Joined: 08 Jan 15
Location: United Kingdom
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Posts: 3420 		Post Options Post Options   Quote 423zero Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 18 at 9:05am
My club has no protest procedure, other party would have to admit liability.
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elzorillo View Drop Down
Groupie
Groupie


Joined: 04 Apr 13
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Posts: 58 		Post Options Post Options   Quote elzorillo Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 18 at 2:19pm
I've been with Towergate for the last 5/6 years with pretty much the same premium each year. For some strange reason today I received a quote for renewal which is due in a couple of weeks and the premium has doubled! I rang them and they didnt seem to care at all that I'd had a quote from GJW for 40% less than them. Nobles price was even more expensive that the doubled quote from Towergate.

So GJW it is then.
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GybeFunny View Drop Down
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Far too distracted from work


Joined: 27 Oct 09
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Posts: 403 		Post Options Post Options   Quote GybeFunny Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 18 at 3:35pm
You cannot protest if you arent racing at the time, I was sailing in from racing
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JimC View Drop Down
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Joined: 17 May 04
Location: United Kingdom
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Posts: 6662 		Post Options Post Options   Quote JimC Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 18 at 3:50pm
Originally posted by GybeFunny

You cannot protest if you arent racing at the time, I was sailing in from racing

The rules of Part 2 apply between boats that are sailing in or near
the racing area and intend to race, are racing, or have been racing.
However, a boat not racing shall not be penalized for breaking one
of these rules, except rule 14 when the incident resulted in injury or
serious damage, or rule 24.1
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Presuming Ed View Drop Down
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Really should get out more


Joined: 26 Feb 05
Location: United Kingdom
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Posts: 641 		Post Options Post Options   Quote Presuming Ed Quote  Post ReplyReply Direct Link To This Post Posted: 06 Apr 18 at 4:14pm
Originally posted by 423zero

My club has no protest procedure, other party would have to admit liability.


How crazy. It's supposed to be a self-policing sport.

Anyway, RYA prescription:

67 Damages
1.  Any issue of liability or claim for damages arising from an incident while a boat is bound  by The  Racing  Rules  of  Sailing shall  be  subject  to  the  jurisdiction  of  the courts and not considered by a protest committee.
2. A boat that takes a penalty or retires does not thereby admit liability for damages or that she has broken a rule.

How insurance companies sort it out between themselves is very foggy indeed. Yes, there's the whole Endeavour vs Juno stuff, but what they actually do to determine liabilities seems very opaque.
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