Any Insurance Sages Here Abouts?

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epervier

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During this afternoons monsoon and F10 winds (48kts) I went to the boat to see she was safe on her mooring to find this,

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What steps do I take with regards to a vessel dragging it's mooring and ending up alongside mine beating it's self to death against the stb side?

my boat hasn't moved, my mooring is solid.

I have not ventured out there in my tender for obvious reasons.

This is not a yotist bashing thread, but it could well end up that way.:D
 
Not a good sight to see. You've got the pictures, I'd phone your insurance co tomorrow and let them know there's a potential problem and let them know you have these pics.

I'd put money on yr Weymouth being better built and stronger than the yacht, maybe not as bad as you think it might be damage wise. Do you know who owns the yacht, is there any way you can contact them? When it's calmed down tomorrow you'll need to find a way of moving it, or preferably having it moved, away from your mooring without leaving yourself open to any counter claim in the event of more damage in the next gale expected later this week.
 
sorry to see this David, no further comments to add other than the advice already given apart from ensure there's other witnesses I guess and get the name of the yacht to give to the coastguard asking them to tow the yacht off your boat. Not being an expert, but that way you've done everything you can to minimise the impact to your boat and theirs in the eyes of the insurers. Good luck, hope it turns out ok mate.

p,s, are you sure it's dragged its anchor.. extreme reasoning I know but not a case that someone's in trouble, unconscious and the boat's drifted into yours?
 
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Feel for you, this storm as really hit Southampton :(
Can you claim salvage on the Yacht ? You have probably saved it from being blown ashore.
Best of luck from me too.
 
Sorry to see this and hope no damage for you. Can't add anything constructive other than my best wishes! (Please don't be tempted to venture out there till it settles down!)
 
Ask Pete to run you out to your in his boat, it'll be fine....

Blowing like hell now.

Interesting photos, that's a hell of a chop for such a short fetch given where it is and wind direction.
 
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Only just seen this. I'm very sorry to see that Epervier, and hope the damage isn't severe. I guess if the Legend was dragging her mooring, she will have dragged clear abaft of your boat within a couple of hours after those photos, unless the mooring chains entangled

I would inform your insurers, and get the details of the Legend so you can track down the owner. As well as repairs to your boat, I think I'd want your mooring tackle inspected and signed off, in case damaged by the Legend's tackle, and the cost of that ought to be borne by the other boat owner/insurers too
 
Thank you Gentlemen for your pearls, and just to bring you all up to date with this little drama,

After sitting at home last night keeping tabs on the wind speeds and direction,SSW F11 plus (78kts at one point!) I was expecting to go down this morning to find a picture of carnage, but surprise, surprise not a bit of it, stb side guard wire "gates" welds broken and stb side "D" section fendering with a few scars in the rubber, but the yacht wasn't so lucky.

LJS, took your advice phoned GJW to inform them of the situation, they were very understanding and forwarding a claim form, basically get quotes and send them to them, easy. you were also right about the Weymouth, brick outhouse comes to mind.

JFM,your thinking was the same as my own, I thought it would slide on by, but when it reached the lee of my boat that's where it stopped dragging and set up camp for the rest of the night.

The end result was the yacht owner arrived and agreed to pay for all repairs, but I haven't got that in writing, so I'll proceed with caution getting the quotes etc, and see what materialises from there!

James, no boat is worth drowning for, sea temperature 9 degrees,blowing it's tits off (I know I've get enough blubber to embarrass a seal) but, nah.

Seasons Greetings to all on the forum.
 
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Really pleased the damage is minor. I can imagine you didn't get much sleep last night. Goes to prove like you say, the old girl is built like a tank. Hope you have a good Christmas, and it all gets sorted in the new year without any hassle.
 
That's a relief. Sounds like it can all be repaired on next haul out, and well within the competency of any boat yard so you wont have to supervise everything like a hawk if you don't want to. also good that you have the info on the owner of the other boat

I guess you'll have a tricky decision about whether to live with the D section scars or replace it - replacing it might leave you in a worse position because of all the collateral damage in getting to the hidden bolts inside the hull, and so on. Might be better frankly to pocket a £££ sum for the damage but live with the scars. That's perfectly legally acceptable - you don't have to carry out the repairs and you can instead just take the cash as compensation. You can only decide when you've looked carefully at the scars and thought about it, I guess. Good luck anyway

Out of interest what happened to the yacht's hull? Looks like your quarter would have punched right through its grp? all repairable though, I guess
 
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jfm said:
Might be better frankly to pocket a £££ sum for the damage but live with the scars. That's perfectly legally acceptable - you don't have to carry out the repairs and you can instead just take the cash as compensation.
Click to expand...

I did that on my boat. It was broken into and forcing entry left a chip on the glass door. Estimated repair cost was £2k so I settled for £1500 cash and lived with the damage.
 
Glad it all appears to have turned out OK ans the other owner on the face of it is doing the right thing.

Must have been a long night.
 
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