Boat Insurance alternatives to GJW

I would be interested to hear of their reply Gary. I was only speaking a couple of weeks ago to the chap who runs their out of hours claim line and who is their claims assessor. His opinion is that if a vessel should sink due to failure of a seacock, the liability to reinstate the boat would be met with the exception of the seacock itself.

That's pretty much what they told me in the past, too.
Which brings us to JFM's point as I understand it. One, you have a contract where that this area of risk is made crystal clear;another you have a contract where you may be reliant on the insurers interpretation. What I am not clear about is since GJW must have their front door mat piled high with correspondence over this, if they mean what they claim why don't they clarify their wording? I mean, what is the downside? Maybe they will...
 
I would suggest that all queries about policies should be addressed directly to the chairman Mike Pope at Groves*John and Westrup Ltd.,
5th Floor, Silkhouse Court, Tithebarn Street, Liverpool, L2 2QW. They are very keen to be competitive and if he is aware of these concerns he is the type of bloke who will take action. I don't currently have a boat so the issue doesnt affect me. I have however in a past life been one of their approved repairers and I can honestly say that from the insureds point of view they are very fair and are more straightforward in their claims procedures than some other insurers mentioned on this thread
 
Would you mind elaborating a bit jhr? What loss/incident did they not pay out on?

I did talk about it on here at the time, but I have now consigned it to the past, so if you'll forgive me I won't resurrect it.

As with most cases, it boiled down to the small print in the policy (which isn't replicated in the small print of my absolutely standard GJW policy) and to the fact that once they'd identified a get-out, they didn't want to know.

And breathe; and relax ............ :)
 
Hi
I have been watching this post with interest as our own boat insurance is up for renewal. I have spoken to colmans marine brokers ( who I have been with for 8 years) about the concerns expressed about small print in the policies. I have found colmans to very helpful and received the reply below:-


" I now have the response from Navigators & General. To me it’s clear but when you have a moment it would be good to hear your thoughts.


"The Navigators and General policies are designed to provide clear and understandable peace of mind. In the event of damage caused to your vessel over an extended period there are two exclusions within 'Section A' i.e. the accidental/own damage section, which could apply depending on the cause.

We will not cover:

- Wear, tear, depreciation or gradual deterioration.
- Loss or damage resulting from electrolysis, osmosis or like conditions.


This means we would not meet the costs of replacing/repairing any part of the insured vessel which failed owing to the action of one of these. It does provide cover for the resulting damage/loss caused by the failure.

The acid test for any clause in any contract is that it must be fair and reasonable, for example;

Would it be fair and/or reasonable to expect all seacocks to be dismantled and checked every year? No, probably not.

Would it be fair and/or reasonable to repudiate a claim for sinking based purely on a failed seacock? No.

Whilst a regular maintenance program will almost always protect your vessel, there will always be those situations where the loss or damage was not reasonably foreseeable and in these incidences your Navigators and General policy would be there to support you and get you back on the water.

The overriding concern for all owners and skippers is to ensure that the vessel they choose to go to sea in should be seaworthy for their own safety and that of their passengers."

I am not an expert in these things but it does seem to cover the bases, any feed back would be welcome.
Many thanks
Nathan
 
We will not cover... damage resulting ..., It does provide cover for the resulting damage
Go figure!


Would it be fair and/or reasonable to repudiate a claim for sinking based purely on a failed seacock? No
Well, several big names insurers have done just that to posters on these very forums, and upon appeal to the Ombudsman they won on that point. That is first hand not urban myth - I have the files right here next to me showing this.

For lots of other reasons, it doesn't cover all the bases. Eg the word "purely" above.

I am amazed you guys go to such lengths to find a reason or seek justification for sticking with your current insurer, despite what happened to Seahope on here. In my book, buying insurance is just business, but you seem to be in love with your current insurers.
 
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Just managed to get Ill (again) beyond the point of going to work as I found out yesterday while making sure it could all run in my absence for a day or two, so will be spending tomorrow on the phone sorting out stuff I have not had the time for, boaty & otherwise. Insurance is on the list.
 
Sent an e-mail to current insurer today & was not impressed with the response, which I will not publish apart from this bit " Sinking per se is not an insured peril" which made me laugh, it being a boat & all that, so will be going with HKJ in the next few days when I get time, no hurry as she is out of the water at the moment, & that is fully covered lol.
Thanks to JFM again for all your work on this.
 
Sent an e-mail to current insurer today & was not impressed with the response, which I will not publish apart from this bit " Sinking per se is not an insured peril" which made me laugh, it being a boat & all that, so will be going with HKJ in the next few days when I get time, no hurry as she is out of the water at the moment, & that is fully covered lol.
Thanks to JFM again for all your work on this.

I wouldn't count on HKJ paying out if boat sinks, I know someone who suffered a flooded engine bay while boat was winterised afloat and they don't want to help at all, they wouldn't even send a surveyor to asses why boat sunk, the boat was purchase a few months earlier, was surveyed and recommended repairs carried out. The premium has been paid up to date for last couple of years while this has been ongoing and boat is on hard standing. With this in mind I would be very careful with HKJ.
 
I wouldn't count on HKJ paying out if boat sinks, I know someone who suffered a flooded engine bay while boat was winterised afloat and they don't want to help at all, they wouldn't even send a surveyor to asses why boat sunk, the boat was purchase a few months earlier, was surveyed and recommended repairs carried out. The premium has been paid up to date for last couple of years while this has been ongoing and boat is on hard standing. With this in mind I would be very careful with HKJ.

More details, why are they refusing.
 
More details, why are they refusing.

They claim that the fault was due to something mentioned in the survey which was rectified at the time, they paid for salvage work to re float but could not establish a reason for the sinking, a surveyor would normally look but they just had a local boatyard owner look who would not commit to a reason why. When owner requested a surveyor look he was told case closed.
In my previous job I used to arrange a lot of work for HKJ and a surveyor would always look, I remember one case he said to me this looks like a put up and can't see why insurance should pay but they still did.
 
Having just looked at the last six pages and no doubt more to follow including other insurance entries it crossed my mind to look at Pantaenius policy.
Without looking in depth the Insurers are not fully shown which is a touch sneaky in my humble opinion .Ace European are listed as the lead underwriter with the policy overall written by a group of European Insurers has any one asked Pantaenius who precisely these companies are and for access to relevant financials?
For all we know a % of risk could be underwritten by an insurer that operates out of the salt mines.
I would not be happy with that.
 
Hi
I do not have any alegence to a particular insurance co, feel best to give existing insurer ample opportunity to give best cover, as I said no expert on these matters. I have passed your helpful advice on to see if they can improve thier cover.
Nathan
 
Having just looked at the last six pages and no doubt more to follow including other insurance entries it crossed my mind to look at Pantaenius policy.
Without looking in depth the Insurers are not fully shown which is a touch sneaky in my humble opinion .Ace European are listed as the lead underwriter with the policy overall written by a group of European Insurers has any one asked Pantaenius who precisely these companies are and for access to relevant financials?
For all we know a % of risk could be underwritten by an insurer that operates out of the salt mines.
I would not be happy with that.

strange 1st post and user name ?????????????
 
Having just looked at the last six pages and no doubt more to follow including other insurance entries it crossed my mind to look at Pantaenius policy.
Without looking in depth the Insurers are not fully shown which is a touch sneaky in my humble opinion .Ace European are listed as the lead underwriter with the policy overall written by a group of European Insurers has any one asked Pantaenius who precisely these companies are and for access to relevant financials?
For all we know a % of risk could be underwritten by an insurer that operates out of the salt mines.
I would not be happy with that.

This is what Pants sent me;



Details about our insurance partners


ACE European Group Ltd.
Direktion für Deutschland
Lurgiallee 10
60439 Frankfurt
Germany
CEO: Dr. Dankwart von Schultzendorff
Main business purpose: operation of all classes of property- and personal insurance (but not life- and substitutive medical insurances), operation of
reinsurance and sale of all sort of insurances.
Register court: Frankfurt/ Main, Germany HRB 58029
Head office of the company: ACE Building, 100, Leadenhall, EC3A 3BP London, Great Britain
Supervisory authority: The Financial Services Authority (FSA), 25 The North Colonnade, Canary Wharf, GB-London E14 5HS
Ombudsman: Versicherungsombudsmann e.V., Postfach 080632, 10006 Berlin, Germany
Supervisory authority/ complaint point: Bundesanstalt für Finanzdienstleistungsaufsicht, Graurheindorfer Str. 108, 53117 Bonn, Germany
_________________________________________________________________________________________________________________
AIG Europe Limited
Direktion Deutschland
Speicherstr. 55
60327 Frankfurt am Main
Germany
Main assignee: Michael W. Dehm
Main business purpose: The operation of all insurance classes except Lifeinsurances
Register court: Frankfurt/ Main HRB 95143, Germany
Head office: The AIG Building 58 Fenchurch Street, London EC3M 4AB. GB, Registered in the Register of Companies for England and Wales, No.
01486260; Supervisory authority: The Financial Services Authority (FSA), 25 The North Colonnade, Canary Wharf, GB-London E14 5HS; FSA-Reg. No.
202628
Ombudsman: Versicherungsombudsmann e.V., Postfach 080632, 10006 Berlin, Germany
Supervisory authority/ complaint point: Bundesanstalt für Finanzdienstleistungsaufsicht, Graurheindorfer Str. 108, 53117 Bonn,Germany
_________________________________________________________________________________________________________________
Allianz Global Corporate & Specialty AG
Königinstr. 28
80802 München
Germany
Board of directors: Dr. Axel Theis (chairman), Andreas Berger, Sinéad Brown, Chris Fischer Hirs, Dr. Hermann Jörissen, Hartmut Mai, Arthur
Moossmann, William Scaldaferri, Robert Tartaglia
Main business purpose: AGCS Deutschland offers a wide spectrum of insurances and services in the classes Property, Liability, Engineering, Financial
Lines, Aviation and Marine around industry- and special risks
Register court: Munich, Germany HRB 161095
Ombudsman: none
Supervisory authority/complaint point: Bundesanstalt für Finanzdienstleistungsaufsicht, Graurheindorfer Str. 108, 53117 Bonn, Germany
_________________________________________________________________________________________________________________
Allianz Worldwide Care Ltd.
18B Beckett Way
Park West Business Campus
Nangor Road
Dublin 12
Republic of Ireland
Board of directors: Dr Brigitte Bovermann (Chairwoman), Ron Buchan, Claude Daboul, Tony Layng, William M. McCann, Patrick McGrath, Frank Mee,
Brendan Murphy
Main business purpose: Allianz Worldwide Care is specialised on the provision of international medical insurance for company customers, their
employees and thier families as well as private persons
Registration: No. 310852, Republic of Ireland
Extrajudicial complaint point: Financial Services Ombudsman, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, Republic of Ireland
Supervisory authority/ complaint point: Central Bank of Ireland, PO Box 559, Dame Street, Dublin 2, Republic of Ireland
_________________________________________________________________________________________________________________
Assuranceforeningen SKULD (Gjensidig)
Rådhusgaten 27
0158 Oslo
Norway
Chief Executive Officer (CEO): Douglas Jacobsohn
Main business purpose: Assuranceforeningen Skuld is an international mutual marine insurance company based in Oslo, Norway that specializes in
protection and indemnity insurance
Registration: Reg. No. 938 419 531
Supervisory authority/ Complaint point: Finanstilsynet, P.O. Box 1187 Sentrum, NO-0107 Oslo, Norway
_________________________________________________________________________________________________________________
PANTAENIUS UK LTD.
Registered in England and Wales
Registered No. 2461275
Authorised and regulated by the
Financial Services Authority
PLYMOUTH
Marine Building, 1 Queen Anne Place,
Plymouth, PL4 0FB
Phone +44-(0)1752-22 36 56
Fax +44-(0)1752-22 36 37
FOR CLAIMS DEPARTMENT
Phone +44-(0)1752-22 66 12
Fax +44-(0)1752-22 63 94
Claims Helpline (Emergency Use Only)
Phone +44-(0)1752-60 11 66
PANTAENIUS ONLINE
www.pantaenius.co.uk
info@pantaenius.co.uk
Germany • United Kingdom • Monaco • Denmark • Austria • Spain • Sweden • USA*
*Pantaenius America Ltd. is a licensed insurance agent licensed in all 50 states. It is an independent corporation incorporated under the laws of New York and is a seperate and distinct entity from any entity of the Pantaenius Group.


Page 2 of 4


CATLIN GmbH
Kranhaus 1
Im Zollhafen 18
50678 Köln
Registered: HRB Köln, Nr. 52434
Main business purpose: Direct Insurance business and Re Insurance business on behalf of Third Parties and all business related to this.
on behalf of CATLIN Syndicate 2003 at Lloyd's of London
Identity and address:
Lloyd's Versicherer London, Niederlassung für Deutschland, Syndikat 2003, Gärtnerweg 3, 60322 Frankfurt am Main,
CEO: Jan Blumenthal
Head office of the company: London, England
Legal form: Community of individual insurers
Ombudsman: Versicherungsombudsmann e.V., Postfach 080632, 10006 Berlin
Supervisory authority/ complaint point:
Insurer: The Financial Services Authority (FSA), 25 The North Colonnade, Canary Wharf, GB-London E14 5HS
CATLIN GmbH: Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Graurheindorfer Str. 108, 53117 Bonn
_________________________________________________________________________________________________________________
ERGO Versicherung AG
Victoriaplatz 1
D-40477 Düsseldorf
Germany
CEO: Dr. Torsten Oletzky
Board of directors: Christian Diedrich (chairman), Rolf Bauernfeind, Jürgen Engel, Herbert Löffler, Frank Sievers
Main business purpose: The main business purpose of the company in germany and in foreign countries is the direct operation of all classes of
indemnity- and accident insurances except the credit insurance and the operation of reinsurances of all classes.
Register court: Amtsgericht Düsseldorf, Germany HRB 36466
Ombudsman: Versicherungsombudsmann e.V., Postfach 080632, 10006 Berlin, Germany
Supervisory authority / complaint point: Bundesanstalt für Finanzdienstleistungsaufsicht, Graurheindorfer Str. 108, 53117 Bonn, Germany
_________________________________________________________________________________________________________________
Hanse Marine Versicherung-AG
Grosser Grasbrook 10
20457 Hamburg
Germany
CEO: Christian von Schlippe, Gösta Dosse
Main business purpose: The operation of indemnity- and accident insurance as well as the reinsurance within germany and in foreign countries
Register court: Amtsgericht Hamburg, Germany HRB 20408
Ombudsman: none
Supervisory authority/ Complaint point: Bundesanstalt für Finanzdienstleistungsaufsicht, Graurheindorfer Str. 108, 53117 Bonn, Germany
_________________________________________________________________________________________________________________
Helvetia Schweizerische Versicherungsgesellschaft AG
Management for germany
Berliner Strasse 56-58
60311 Frankfurt
Germany
Chairman of the supervisory board: Stefan Loacker
Board of Directors: Prof. Dr. jur. Wolfram Wrabetz (Chairman), Dr. Moritz Finkelnburg
Main business purpose: distribution of all classes of indemnity- and accident insurances
Register court: Frankfurt a.M., Germany HRB 31311
Ombudsman: none
Supervisory authority/ Complaint point: Bundesanstalt für Finanzdienstleistungsaufsicht, Graurheindorfer Str. 108, 53117 Bonn, Germany
_________________________________________________________________________________________________________________
PANTAENIUS UK LTD.
Registered in England and Wales
Registered No. 2461275
Authorised and regulated by the
Financial Services Authority
PLYMOUTH
Marine Building, 1 Queen Anne Place,
Plymouth, PL4 0FB
Phone +44-(0)1752-22 36 56
Fax +44-(0)1752-22 36 37
FOR CLAIMS DEPARTMENT
Phone +44-(0)1752-22 66 12
Fax +44-(0)1752-22 63 94
Claims Helpline (Emergency Use Only)
Phone +44-(0)1752-60 11 66
PANTAENIUS ONLINE
www.pantaenius.co.uk
info@pantaenius.co.uk
Germany • United Kingdom • Monaco • Denmark • Austria • Spain • Sweden • USA*
*Pantaenius America Ltd. is a licensed insurance agent licensed in all 50 states. It is an independent corporation incorporated under the laws of New York and is a seperate and distinct entity from any entity of the Pantaenius Group.



See next post
 
Page 3 of 4


Kiln Europe S.A.
Branch Germany
Westendstrasse 28
60325 Frankfurt
Germany
Register court: HRB Frankfurt/Main, Nr. 88817
Main business purpose: purpose of the business is the operation of all kind of transport insurance in Germany and in foreign countries (except legal
protection), business of the reinsurance and sale of industrial insurances of all kind/classes
Head office of Kiln Europe S.A.: Liege/ Belgium
Permanently represented by: Olivier Terlinden
Supervisory authority: L'Autorité des services et marchés financiers (FSMA), Rue du Congrès 12-14, B-1000 Brussels
on behalf of R J Kiln & Co. Ltd., Syndicate 510 at Lloyds of London
Identity and address:
Lloyd's Versicherer London, Branch for germany, Syndikat 510, Gärtnerweg 3, 60322 Frankfurt am Main, Germany
CEO: Jan Blumenthal
Head office of the company: London, Great Britain
Legal form: community of individual insurers
Ombudsman: Versicherungsombudsmann e.V., Postfach 080632, 10006 Berlin, Germany
Supervisory authority/ complaint point:
Insurer: The Financial Services Authority (FSA), 25 The North Colonnade, Canary Wharf, London E14 5HS, Great Britain
Kiln Europe S.A.: L'Autorité des services et marchés financiers (FSMA), Rue du Congrès 12-14, 1000 Brussels, Belgium
_________________________________________________________________________________________________________________
KRAVAG-LOGISTIC Versicherungs-AG
Heidenkampsweg 102
20097 Hamburg
Germany
CEO: General director Dr. Friedrich Caspers
Board of directors: Dr. Norbert Rollinger (chairman), Michael Busch, Heinz-Jürgen Kallerhoff, Dr. Edgar Martin
Main business purpose: The KRAVAG-LOGISTIC Versicherungs-Aktiengesellschaft operates the motor vehicle, accident- and breakdown cover and
transport insurance.
Register Court: Amtsgericht Hamburg, Germany HRB 76536
Ombudsman: Versicherungsombudsmann e.V., Postfach 080632, 10006 Berlin, Germany
Supervisory authority/ Complaint point: Bundesanstalt für Finanzdienstleistungsaufsicht, Graurheindorfer Str. 108, 53117 Bonn, Germany
_________________________________________________________________________________________________________________
Liberty Mutual Insurance Europe Limited
3rd floor, Two Minister Court
Mincing Lane
GB-London EC3R 7YE
CEO: Sean Rocks
Main business purpose: to effect and caryy out contracts of general insurance business in the following classes: (1) Accident, (2) Sickness, (3) Land
Vehicles, (4) Railway rolling stock, (5) Aircraft, (6) Ships, (7) Goods in transit, (8) Fire and natural forces, (9) Damage to property, (10) Motor vehicle
Liability, (11) Aircraft Liability, (12) Liability for ships, (13) General Liability, (14) Credit, (15) Suretyship, (16) Miscellanious financial loss, (17) Legal
expenses
Registration: Registered in England & Wales; Registration Number: 01088268
Ombudsman: The Financial Ombusman Service, South Quay Plaza, 183 Marsh Wall, GB-London E14 9SR
Supervisory authority/ Complaint point: The Financial Services Authority (FSA), 25 The North Colonnade, Canary Wharf, GB-London E14 5HS
_________________________________________________________________________________________________________________
R + V Allgemeine Versicherung AG
Taunusstrasse 1
65193 Wiesbaden
Germany
Chairman of the board of directors: General Manager Dr. Friedrich Caspers
Board of directors: Dr. Norbert Rollinger (chairman), Frank-Henning Florian, Heinz-Jürgen Kallerhoff, Hans-Christian Marschler, Rainer Neumann, Peter
Weiler
Main business purpose: The R+V Allgemeine Versicherung Aktiengesellschaft operates all kind of claim-, accident and reinsurences and also acts as
agent for all kind of insurances
Register court: Wiesbaden HRB 2188
Ombudsman: Versicherungsombudsmann e.V., Postfach 080632, 10006 Berlin, Germany
Supervisory authority/ complaint point: Bundesanstalt für Finanzdienstleistungsaufsicht, Graurheindorfer Str. 108, 53117 Bonn, Germany
_________________________________________________________________________________________________________________
R&Q Marine Services Limited
Fountain House
110 Fenchurch Street
EC3M 5JT London
United Kingdom
R&Q Marine Services Limited is an appointed representative of R&Q MGA Limited which is authorised and regulated by the Financial Services Authority.
Registration No. 07720593
CEO: Nick Hales
_________________________________________________________________________________________________________________
PANTAENIUS UK LTD.
Registered in England and Wales
Registered No. 2461275
Authorised and regulated by the
Financial Services Authority
PLYMOUTH
Marine Building, 1 Queen Anne Place,
Plymouth, PL4 0FB
Phone +44-(0)1752-22 36 56
Fax +44-(0)1752-22 36 37
FOR CLAIMS DEPARTMENT
Phone +44-(0)1752-22 66 12
Fax +44-(0)1752-22 63 94
Claims Helpline (Emergency Use Only)
Phone +44-(0)1752-60 11 66
PANTAENIUS ONLINE
www.pantaenius.co.uk
info@pantaenius.co.uk
Germany • United Kingdom • Monaco • Denmark • Austria • Spain • Sweden • USA*
*Pantaenius America Ltd. is a licensed insurance agent licensed in all 50 states. It is an independent corporation incorporated under the laws of New York and is a seperate and distinct entity from any entity of the Pantaenius Group.


Page 4 of 4



The Steamship Mutual Underwriting Association Limited
Aquatical House
39 Bell Lane
GB-London E1 7LU
Board of Directors: A.L. Marchisotto (Chairman), C.J. Ahrenskiel, I. Grimaldi, H.M. Juniel
Main Business Purpose: The Club offers two principal types of cover: Class 1 Protection and Indemnity; Class 2 Freight Demurrage and Defence
Registration: No. 105461, England
Supervisory authority/ complaint point: Financial Services Authority (FSA number 202205), 25 The North Colonnade, Canary Wharf, GB- London E14
5HS
_________________________________________________________________________________________________________________
Torus Insurance Marketing Limited
German Branch
Spichernstrasse 8
50672 Köln
Main assignee: Bernhard Fink
Register court: HRB Köln, No. 62081
Main business purpose: Service for the Torus Group (Exception: Life insurances) as well as the mediation of insurances.
Identity and address:
Torus Insurance Marketing Limited - Syndicate 2243 and 1301 at Lloyd's of London
CEO: Tim Fillingham, Clive Tobin, Zahir Petiwalla
Head office of the company: 88 Leadenhal Street, London EC3A 3BP
Legal form: Limited according to British Law
Registration: Company registered in England & Wales, No. 6414328
Ombudsman: The Financial Ombusman Service, South Quay Plaza, 183 Marsh Wall, GB-London E14 9SR
Supervisory authority/ complaint point:
The Financial Services Authority (FSA), 25 The North Colonnade, Canary Wharf, London E14 5HS, Great Britain
_________________________________________________________________________________________________________________
UNIQA Österreich Versicherungen AG
Industrie & Individual
Transport (Fach)
Untere Donaustr. 21
1029 Vienna
Austria
Board of directors: Hartwig Löger (Chairman), Dr. Peter Eichler, Silvia Harfmann, Dipl. Ing. Robert Wasner
Mag. Hannes Bogner, Dr. Wolfgang Kindl, Hartwig Löger, Mag. Kurt Svoboda, Dr. Gottfried Wanitschek
Main business purpose: the company operates contract insurance as well as the reinsurance and all related businesses, insofar as permitted by the
insurance supervisory authority.
Commercial register court: Handelsgericht Wien , Austria FN 63197m
Ombudsman: none
Supervisory authority/ complaint point: Finanzmarktaufsicht, Otto-Wagner-Platz 5, 1090 Wien, Austria
_________________________________________________________________________________________________________________
ZURICH Insurance plc
Niederlassung für Deutschland
Solmsstrasse 27-37
60486 Frankfurt
Germany
Chairman of the administrative board: Dr. Axel Lehmann
Main assignee of this branch: Ralph Brand
Main business purpose: main business purpose of the company is the direct and indirect operation of all classes of the private insurance business.
Register court of the branch: Frankfurt/ Main, Germany HRB 88353
Head office: Dublin/Irland
Legal form: public company limited by shares
Supervisory authority of the company: Central Bank of Ireland, PO Box 559, Dame Street, Dublin 2
Companies Registry office: No. 13460
Chief Executive Officer (CEO): Patrick Manley
Ombudsman for the branch: Versicherungsombudsmann e.V., Postfach 080632, 10006 Berlin, Germany
Surpervisory authority/ Complaint point for the branch: Bundesanstalt für Finanzdienstleistungsaufsicht, Graurheindorfer Str. 108, 53117 Bonn,
Germany
_________________________________________________________________________________________________________________
Updated: January 2013
 
Well I suppose you get what you pay for.

I'm sure for less cover you can get a lower premium.

Why not go the whole hog and save £318 by just not insuring - after all you dudnt claim last year.

£300 odd doesn't sound like much for a years fully comp insurance - how much cheaper do you expect it to be?

With you there m8, in The Scheme Of Things I reckon mobo insurance is cheap
I had two claims through GJW and they dealt with them very promptly and professionally
Don't use them anymore because they don't do 'Commercial'
Think we are with Porthcawl now (gets me m8 to sort it!) but if GJW could fix us up I would go with them
Signed
Satishied
Llanfair PG!
 
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