Boat Damage.

[syd]

OH No..
Just received (this very minute) a phone call from a fella in our yacht club. His yacht broke its moorings and ended up on a mud bank. It was recovered by the PLA and tied to a barge near by. The bosun of our club went out to bring it back to the visitors mooring with the aid of the club's workboat and a couple of helpers.
This is when it all went wrong. Somehow they lost control of the yacht whilst putting it on the mooring and it broke free again in the strong wind and tide ebb.
Out of the fifty or so boats in our club, you guessed it, it hit mine. Only had it two weeks.
Anyhoo.. The owner phoned me as I said and told me his yacht was impaled beam on to the bow of my boat. When they parted the boats his yacht had suffered severe damage but looking in the dark there seems to be only minor damage to mine. I'll find out for sure first light tomorrow.
So my fine forumers can you tell me what happens next?
How do I go about getting my damage paid for?
Never had to have a damage claim before so any advice will be appreciated.

Cheers now

Syd :-(

 

[byron]

Jeeze! Syd., ain't been your weekend has it, what with the other matter an all.
You must contact your Insurance Broker immediately and get a claim form. You are not at fault so you can sit back and let the Insurance Companies sort it out. In the meanwhile get some quotes to have the repairs done.



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[coliholic]

Yup agree with Byron on this. Don't get involved and don't for heavens sake look at any damage and say "oh that'll be OK I can fix that for next to nothing". Call your insurers at 5 past 9 tomorrow and tell them to send down an assessor and let the "pro's " sort it out.

Good time of year for this too, you can get a haul out and winter storage all paid for by insurers and if you play your cards right, could get the antifouling and loads of other "little jobs" that you were gonna do anyway, done for you.

 

[pistonbroke]

Surely your suggestion of an "insurance swindle" or extra little jobs as you like to call it, is the very reason why we all pay so much for insurance cover.

 

[BarryH]

I was thinkin' it, but didn't wanna say it. Colins bigger than me/forums/images/icons/wink.gif

Yeah! I know its running rough, but your lucky its running at all!!

 

[pistonbroke]

just means he hits the floor harder!

 

[Guest]

It ain't necessarily a swindle. If the anti-fouling got damaged, it's got to be replaced. But while the boat's out, there's usually a bunch of other stuff that can be done without having to pay for the crane out. A lot of yards will take their time over winter, and that's their prerogative. If you happen to enjoy a winter ashore in a heated shed, at no cost to anyone, so what?

Anyway, if they don't bang your premium up to cover the 'swindlers', they'll only find some other sodding reason...