Haven Knox-Johnston wins the YBW outstanding service award , you voted for it

[PaulGooch]

To be fair, my description in this thread is pretty much spot on. A nomination is a vote and vice versa. In the other thread I'll put my hands up and admit I assumed a vote was a vote and that is what mattered most. Thank you Hugo for giving us chapter and verse.

Let's change the winner here and say that XYZ boat builders won because of their exceptional customer service. Would you suggest they should not have won it because, actually, they don't build the best boat?

I'd have thought it a prerequisite that the winner should be supplying a decent product, then offering above average service.

If XYZ build rubbish boats, it shouldn't matter how good their service is, they shouldn't even be considered. If ABC and DEF electronics both sell good equipment, the one that then gives the best service is the winner from those two companies.

If bodgit and scarper boats builders build totally rubbish boats, that breakdown and fall apart every time you use them, but are very polite while the Sikaflex all the broken bits back together, should they be eligible for the award ?

 

[DAKA]

Not just one. Several very significant issues

Any chance you can list them please ?

Haven Knox-Johnston have amended their policy in the past, perhaps they will again if the poor cover sections are brought to their attention.

Remember its a totally new policy, not just part amended, a policy wording is under constant review, a new policy wording can be expected to have more amendments in the early years of its life.

I dont expect you to do a lot more work, if you have a printed list please pm me or post or if it is high lights and scribble on a hard copy can I send you a SAE ?

Lets test just how good the Outstanding customer service is

 

[Hugo_Andreae]

hi Neale,

I accept the way YBW award the prize at face value is very fair and reasonable.

Hi Hugo,

Thats all fine but the explanation of the award honour needs urgent needs attention , the readers have not voted , the readers have nominated and YBW have decided the winner (absolutely nothing wrong with the system, just the way it is being explained) .

Hi DAKA,

I'll make a note to explain the system better next year.

Hugo

 

[DavidWhite]

i nominated/voted for a company whose service I thought was far and away beyond the call of duty etc - as the nominees were all good guys would it not
be in the interest of members of the forum to publish a full list of participants rather than just the name of the winner ?
David

 

[jfm]

To be fair, my description in this thread is pretty much spot on. A nomination is a vote and vice versa. In the other thread I'll put my hands up and admit I assumed a vote was a vote and that is what mattered most. Thank you Hugo for giving us chapter and verse.

Let's change the winner here and say that XYZ boat builders won because of their exceptional customer service. Would you suggest they should not have won it because, actually, they don't build the best boat?

Not sure I agree the "spot on" but no point arguing.

"best" and "worst" when applied to boats involves mostly subjective opinion, so no I wouldn't suggest that. In contrast, insurance policies are complex legal documents that many folks find hard to read but for someone who is ok with reading legally docs it is possible to say objectively that HKJ's policy doesn't cover circumstance X while other policies do. It is also easy to say objectively that circumstance X is something the reasonable man on the Clapham Omnibus would think ought to be covered. So your analogy between best insurer and best boat doesn't work, imho

Just vaguely as an aside, I have fought 3 battles with insurers on behalf of forumites. In one case, we won 100% after insurers asserted the forumite was due nil payout. In another, I advised the forumite that the insurers were correct not to pay - tough message but it was right, alas. In the third case, still not concluded, I have been at it over a year including 3 hours this afternoon writing an appeal. It has gone to Ombudsman and adjudicator there has found against me and in favour of the insurers. Adjudicator however is wrong, so I'm appealing. I will win in the end, otherwise I wouldn't be spending my time on it. The forumites in this case are pensioners and it was a major loss and dent in their life savings, because they have already paid for the salvage and repairs a year ago. The behaviour of the insurers is plainly unreasonable. I dunno why I'm telling you this, other than to say that poor performance by insurers seems ever present in my in-tray for some reason hence I have a bit of a bee in bonnet

 

[neale]

Just vaguely as an aside, I have fought 3 battles with insurers on behalf of forumites. In one case, we won 100% after insurers asserted the forumite was due nil payout. In another, I advised the forumite that the insurers were correct not to pay - tough message but it was right, alas. In the third case, still not concluded, I have been at it over a year including 3 hours this afternoon writing an appeal. It has gone to Ombudsman and adjudicator there has found against me and in favour of the insurers. Adjudicator however is wrong, so I'm appealing. I will win in the end, otherwise I wouldn't be spending my time on it. The forumites in this case are pensioners and it was a major loss and dent in their life savings, because they have already paid for the salvage and repairs a year ago. The behaviour of the insurers is plainly unreasonable. I dunno why I'm telling you this, other than to say that poor performance by insurers seems ever present in my in-tray for some reason hence I have a bit of a bee in bonnet

Ignoring everything else I am very aware of the effort you have put into helping others on here with their insurance problems and would like to say that if there were nominations, or even votes , for the forumite of the year, you would get mine.

 

[Harry25]

Ignoring everything else I am very aware of the effort you have put into helping others on here with their insurance problems and would like to say that if there were nominations, or even votes , for the forumite of the year, you would get mine.

+1

 

[Jurgen]

Just a few words from a happy customer of HKJ.

Have been in the unfortunate situation of having to make 2 claims in 2 years, both with HKJ.

On both occasions they responded promptly with a genuine concern and settled the claims very quickly.

To my great (& very pleasant surprise) my premium had only increased by a very modest amount!

Am sure that others may have had different experiences but can only comment on how they have dealt with me.

 

[rafiki_]

Just a few words from a happy customer of HKJ.

Have been in the unfortunate situation of having to make 2 claims in 2 years, both with HKJ.

On both occasions they responded promptly with a genuine concern and settled the claims very quickly.

To my great (& very pleasant surprise) my premium had only increased by a very modest amount!

Am sure that others may have had different experiences but can only comment on how they have dealt with me.

Like Jurgen, I only have had a good experience with HKJ, so a +1 for me.

 

[petem]

Bump

 

[volvopaul]

Like Jurgen, I only have had a good experience with HKJ, so a +1 for me.

Paul. Have you actually had to ever make a claim using HKJ, and if so how much and what was it about. I'm with JFM on this one all the way.

 

[rafiki_]

Paul. Have you actually had to ever make a claim using HKJ, and if so how much and what was it about. I'm with JFM on this one all the way.

Yep, made 2 claims on my Sunline, value circa £4k between them. First was accident damage to the hull, second was mechanical damage to the outdrives. No probs with either.

 

[Jegs]

HKJ exclusions

Just been reading the policy exclusions:

3.4 any loss, damage, liability or expense arising from the Unseaworthiness of the Vessel;

3.5 any loss, damage, liability or expense directly or indirectly arising from:

3.5.6 mechanical breakdown;

So if the engine fails & you end up on rocks, you're not covered?


John G

 

[volvopaul]

Yep, made 2 claims on my Sunline, value circa £4k between them. First was accident damage to the hull, second was mechanical damage to the outdrives. No probs with either.

That's good to hear but as a general rule most insurers don't even employ a surveyor or loss adjuster unless the total claim at quote stage is over £3000.

 

[rafiki_]

That's good to hear but as a general rule most insurers don't even employ a surveyor or loss adjuster unless the total claim at quote stage is over £3000.

Yes, I guess you are correct, but I can only feedback my own experience, which was only positive. I will check the small print in my Amlyn policy, and check with my broker if I have anything to clarify.

 

[blobby47]

Hi Folks

Just honest statement, as a hobby boater for last 20 years or so I annually searched for most competitive premiums, being lucky and never claimed.
About 2 years ago a incident at our marina changed my attitude .Marina is on the freshwater Medway just upstream from tidal lock and weir.
At this time the Environment agency fitted automation to the flood gates, Automation switched on and that night suddenly the whole Pen, 7 or 8 miles of river emptied and 2 marina basins lots of damage to all manor of boats,
at marina all boats insured with HKJ where promptly and fairly settled. some people insured with other companies still waiting. Some 2 years on and with legal requirements of comprehensive cover to get river licence

I now insure my pride and joy with HKJ
cheers bob
l

 

[petem]

Hi Folks

Just honest statement, as a hobby boater for last 20 years or so I annually searched for most competitive premiums, being lucky and never claimed.
About 2 years ago a incident at our marina changed my attitude .Marina is on the freshwater Medway just upstream from tidal lock and weir.
At this time the Environment agency fitted automation to the flood gates, Automation switched on and that night suddenly the whole Pen, 7 or 8 miles of river emptied and 2 marina basins lots of damage to all manor of boats,
at marina all boats insured with HKJ where promptly and fairly settled. some people insured with other companies still waiting. Some 2 years on and with legal requirements of comprehensive cover to get river licence

I now insure my pride and joy with HKJ
cheers bob
l

Without looking into the circumstances of the claims (including the amounts involved) and the wording of the various insurers policies IMHO it is dangerous to use them to ascertain if an insurer is good or not. What really matters is:
a) What the policy covers
a) How an insurer behaves when there are clauses open to interpretation such as 'reasonable maintenance'.

 

[lanerboy]

Bump

pete this thread has been dead for the last 10 months you little stirrer you I am off to get my popcorn