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davidh075
Newbie Joined: 20 Jan 13 Location: United Kingdom Online Status: Offline Posts: 1 |
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Topic: Insurance Claims 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).
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www.merciamarine.co.uk - Boat Insurance from Mercia Marine
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Neptune
Really should get out more Joined: 08 Jun 09 Location: Berkshire United Kingdom Online Status: Offline Posts: 1313 |
Post Options Quote Reply Posted: 01 Oct 12 at 12:40pm |
how much excess! I am presuming you were yacht sailing.
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Musto Skiff and Solo sailor
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Kev M
Far too distracted from work Joined: 05 Dec 11 Location: Landlocked Online Status: Offline Posts: 346 |
Post Options Quote Reply 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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Successfully confusing ambition with ability since 1980.
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pondmonkey
Really should get out more Joined: 12 Aug 11 Online Status: Offline Posts: 2202 |
Post Options Quote Reply 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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Noble Marine
Posting king Joined: 09 May 05 Location: Newark, Nottinghamshire Online Status: Offline Posts: 126 |
Post Options Quote Reply Posted: 01 Oct 12 at 12:00pm |
In my experience only one excess would apply.
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Kev M
Far too distracted from work Joined: 05 Dec 11 Location: Landlocked Online Status: Offline Posts: 346 |
Post Options Quote Reply 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. |
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Successfully confusing ambition with ability since 1980.
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