Compensation

[SolentPhill]

I'm not in favour of the compensation culture, trip over a Kerb and claim a few grand for a stubb toe.

My boat whist shining and asleep on it's mooring was hit by some muppet who got the tide wrong, just a little scratch he said then after a few calls to muppet and to the manufacturers the parts bill was in, now he decides to put through insurance as it cost £1,500 so I have to deal with them, after a few rows they agree the cost of parts, after I visit the boat to take their photos. For the past 6 weeks I have had to use my boat with a large chunk out of the back corner and a long scratch, it's made an immaculate boat look horrible.

Today the boat came out for repairs, I took it out, and tomorrow I will be there to let mechanic in and assist on the repair, Thursday it will go back in. I will use a tank of fuel to getting to Marina £100 and whilst the damages are paid that's it. No here is your out of pocket expenses, no here is £500 for an apology or compensation for having a horrible boat. I was so ashamed of it last week as I was moored on that side I hung a towel over it.

I am conscious that if everyone claimed this all our policy's would go up, I feel muppet should pay rather than insurance.

But Is there anything else I should be entitled to? Or can claim?

Phill.

 

[benjenbav]

I think you have to accept that these things happen; be glad no-one was hurt and that in a few days it'll all be resolved and your boat will be back to her pristine best.

Probably worth slinging on a coat of antifoul and some anodes while she's on the hard and you've got a free lift and launch out of it.

 

[BrendanS]

no here is £500 for an apology or compensation for having a horrible boat. I was so ashamed of it last week as I was moored on that side I hung a towel over it. ...

But Is there anything else I should be entitled to? Or can claim?
.

speechless. Honestly

 

[SolentPhill]

I think you have to accept that these things happen; be glad no-one was hurt and that in a few days it'll all be resolved and your boat will be back to her pristine best.

Probably worth slinging on a coat of antifoul and some anodes while she's on the hard and you've got a free lift and launch out of it.

The boat went back in water on a wed in march after all anodes and leg service and antifoul completed and was hit 5 days later.

 

[jfm]

I'm not in favour of the compensation culture, trip over a Kerb and claim a few grand for a stubb toe.

My boat whist shining and asleep on it's mooring was hit by some muppet who got the tide wrong, just a little scratch he said then after a few calls to muppet and to the manufacturers the parts bill was in, now he decides to put through insurance as it cost £1,500 so I have to deal with them, after a few rows they agree the cost of parts, after I visit the boat to take their photos. For the past 6 weeks I have had to use my boat with a large chunk out of the back corner and a long scratch, it's made an immaculate boat look horrible.

Today the boat came out for repairs, I took it out, and tomorrow I will be there to let mechanic in and assist on the repair, Thursday it will go back in. I will use a tank of fuel to getting to Marina £100 and whilst the damages are paid that's it. No here is your out of pocket expenses, no here is £500 for an apology or compensation for having a horrible boat. I was so ashamed of it last week as I was moored on that side I hung a towel over it.

I am conscious that if everyone claimed this all our policy's would go up, I feel muppet should pay rather than insurance.

But Is there anything else I should be entitled to? Or can claim?

Phill.

You can certainly claim your cash costs if they are reasonbly incurred. That includes fuel to get the boat to/from the crane, and mileage on your car when you travelled to the boat for the craning at the AA rate of 40p a mile or whatever it is. Getting money for your own time and hurt feelings is probably too much hassle

Just submit a further claim. If the insurers stone wall you submit the claim directly to the other boater and let him deal with his insurers. Keep the claim reasonable of course

 

[Assassin]

Many insurers allow you to claim reasonable expenses, so keep any receipts and submit them as reasonable out of pocket expenses incurred as a result of this collision which was not your fault.

If his insurers refuse, resort to no win no fee companies who will hit them with a compensation claim, then their solicitors costs, they will suddenly decide to reimburse your costs rather than these companies expenses.

 

[SolentPhill]

You can certainly claim your cash costs if they are reasonbly incurred. That includes fuel to get the boat to/from the crane, and mileage on your car when you travelled to the boat for the craning at the AA rate of 40p a mile or whatever it is. Getting money for your own time and hurt feelings is probably too much hassle

Just submit a further claim. If the insurers stone wall you submit the claim directly to the other boater and let him deal with his insurers. Keep the claim reasonable of course

Thats perfect and just what the forum is for good quality advice,

Thanks

SP

 

[oldgit]

Its a boat for christs sake !

 

[SolentPhill]

Its a boat for christs sake !

to some..

to others its their pride and joy, some people are proud of their house, they look after it and keep it clean others its somewhere to live, a car the same people wash and clean and are proud of it, to some its a way to get from A to B, Ive seen boats that are not looked after but to some its way to get wet ... and then there are those who enjoy they have a second home and wash it after each trip and polish it once a week, 3 years old and in immaculate condition the only scratch I didnt do, major to some not to others

each to their own....

 

[lovezoo]

Over the road from us is a woman who seems to spend her entire life cleaning the front of their house. I have never actually seen her sitting out on her patio, just cleaning it.

As you say, each to their own...

 

[JAR]

I totally agree you should be compensated for all out of pocket expenses but
£500 for loss of pride!

I'm not in favour of the compensation culture,


no here is £500 for an apology or compensation for having a horrible boat. .

Oxymoron or maybe Oxymuppet.

 

[jfm]

Over the road from us is a woman who seems to spend her entire life cleaning the front of their house. I have never actually seen her sitting out on her patio, just cleaning it.

As you say, each to their own...

Hey lovezoo that is a bit harsh. Solentphil is not that woman. He just cares about the prisitine ness of his boat, but there's no doubt he takes it to sea as well

His question was what could he claim from the damage-causer. Armed with that information he might well decide not to claim everything (eg one's own time wasted), because there is always a point at which it isn't worth the hassle. I'm sure he is smart enough to make his own sensible judgement call on that. And Assassin, it is nothing to do with what insurers will "allow". They'd love you to think that though

 

[rafiki_]

By the way, HMRC put the milage reimbursement up from 40p to 45p per mile at the last budget from 6 April.

I would personally not look for compensation on anything rather than incremental costs. Life is too short, but I do agree with you that the boat is my pride and joy, and I do not like her looking anything other than pristine.

 

[lovezoo]

Hey lovezoo that is a bit harsh. Solentphil is not that woman. He just cares about the prisitine ness of his boat, but there's no doubt he takes it to sea as well

His question was what could he claim from the damage-causer. Armed with that information he might well decide not to claim everything (eg one's own time wasted), because there is always a point at which it isn't worth the hassle. I'm sure he is smart enough to make his own sensible judgement call on that. And Assassin, it is nothing to do with what insurers will "allow". They'd love you to think that though

My point was not to worry about a scratch down the side of the boat, but get out and use it rather than worrying about trying to claim £500 compensation for having a horrible boat - "loss of enjoyment of pristineness".

 

[Thepipdoc]

By the way, HMRC put the milage reimbursement up from 40p to 45p per mile at the last budget from 6 April.

Brilliant!
I din't know this and would have continued at the £0.40 Rate.
Thanks for that!

 

[tillergirl]

I second pipdoc!

 

[rafiki_]

Brilliant!
I din't know this and would have continued at the £0.40 Rate.
Thanks for that!

Yes, this was kept very quiet in the Chancellors speech.

 

[Tom Price]

What if?

your insurers do not succeed in claiming back from the offender's insurers? And drop the action due to coming up against a brick wall, or simply running out of steam?

You will lose your NCB this year AND incrementally for years to come.

Advice please - it happened to me!

 

[jfm]

your insurers do not succeed in claiming back from the offender's insurers? And drop the action due to coming up against a brick wall, or simply running out of steam?

You will lose your NCB this year AND incrementally for years to come.

Advice please - it happened to me!

Happy to be corrected, but as I read it SolentPhill has made no claim from his own insurers nor involved them. That seems totally sensible to me. Someone bashed into my boat on its mooring in 2007 causing £5k damage. I claimed from the owner of the at-fault boat, and while he involved his insurers (Pantaenius Germany branch) I didn't involve mine because i prefered just to pursue my private claim myself.

Incidentally, now that I recall it, the at-fault boat's insurers paid me the cost of the shipyard's repair plus my airfares/taxis London-France (twice) to sort out the repairs. My claim was totally valid and all I asked for was my actual cash costs incurred (nothing for hassle and time, and no "try ons"), but I did not limit my claim just to the shipyard's bill. They happily reimbursed this quite properly, no arguments or fighting

 

[Searush]

So, who do I sue for the Seagull poo on my boat?

It makes it look awful & I have to spend ages cleaning it off every time I arrive for a cruise. Ican't sail her looking like that & I have to hang a sheet over my head so that no-one will recognise me. I want £5,000 for a new sheet & the embarassment of having to wash seagull poop off all the time.



My boat is only 38 years old & now looks at least 20. - wish I did!


Edit: and I forgot, my underwater lights fused & gave me a shock, should I sue the manufacturer or the installer? Then the illuminated sign fell on my wife's foot so she now needs 3 more pairs of Jimmy Choo's for her to get over the trauma.