Insurance Claims

   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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Kev M Send Private Message Find Member's Posts Far too distracted from work Joined: 05 Dec 11 Location: Landlocked Online Status: Offline Posts: 346	Post Options Post Reply Quote Kev M Report Post Quote Reply 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.

Noble Marine Send Private Message Find Member's Posts Visit Member's Homepage Posting king Joined: 09 May 05 Location: Newark, Nottinghamshire Online Status: Offline Posts: 126	Post Options Post Reply Quote Noble Marine Report Post Quote Reply Posted: 01 Oct 12 at 12:00pm
	In my experience only one excess would apply.
	Boat Insurance from Noble Marine Noble Marine on Facebook.

pondmonkey Send Private Message Find Member's Posts Really should get out more Joined: 12 Aug 11 Online Status: Offline Posts: 2202	Post Options Post Reply Quote pondmonkey Report Post Quote Reply Posted: 01 Oct 12 at 12:00pm
	AIUI- one excess from the person claiming liability. I'm assuming it's amicable btw?

Kev M Send Private Message Find Member's Posts Far too distracted from work Joined: 05 Dec 11 Location: Landlocked Online Status: Offline Posts: 346	Post Options Post Reply Quote Kev M Report Post 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.
	Successfully confusing ambition with ability since 1980.

Neptune Send Private Message Find Member's Posts Really should get out more Joined: 08 Jun 09 Location: Berkshire United Kingdom Online Status: Offline Posts: 1313	Post Options Post Reply Quote Neptune Report Post Quote Reply Posted: 01 Oct 12 at 12:40pm
	how much excess! I am presuming you were yacht sailing.
	Musto Skiff and Solo sailor

davidh075 Send Private Message Find Member's Posts Visit Member's Homepage Newbie Joined: 20 Jan 13 Location: United Kingdom Online Status: Offline Posts: 1	Post Options Post Reply Quote davidh075 Report Post Quote Reply 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