JumbleDuck
Well-Known Member
Correct, and the insurance company refused to pay up because they said the skipper had been negligent, not because of who he was.
Help by experienced sailors wanted in moving my boat by sea
- Thread starter redkat
- Start date
Correct, and the insurance company refused to pay up because they said the skipper had been negligent, not because of who he was.
JumbleDuck
Well-Known Member
You're absolutely right.
Daydream believer
Well-Known Member
In my work as a surveyor if i am proven negligent my professional indemnity insurance covers the claim
That in effect is similar to the insurance that the professional delivery skippers should have
If a yacht is damaged when being sailed by a delivery crew ( assuming insurance co had been advised) then the owner claims against his own insurance & that insurance co goes to the delivery skipper ( & hence his insurance) & claims against them to cover the cost
i would expect that the owners insurer, when notified prior to the delivery, would request that the delivery skipper should be insured.
If the delivery skipper is not insured the owners insurance co would decide whether to proceed to recover cost.
However, if the owner was told only to use an insured delivery skipper & did not then the owner would have no redress other than to go direct to the delivery skipper & sue him
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alant
Well-Known Member
I am not aware of any skipper insurance, that covers negligence, or if there is, is able to be afforded within the paltry sums charged for deliveries.
Daydream believer
Well-Known Member
With all due respect the fact that you do not know of any does not mean that none exists. ( unless perhaps you are an expert insurance broker )
I would suggest that the amounts charged for a contract has no bearing on the outcome of claim.
It would seem that you are suggesting that all the delivery companies out there are un insured against an error of judgement that might be perceived as negligence
Then i am surprised any are actually in business.
Let's face it most cannot just walk away from a claim - some have assets- a house for example, that will do for starters
It would be riduculous to put ones self or ones company in a situation that could be --"ruinous"
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JumbleDuck
Well-Known Member
Is there any level of negligence at which they wouldn't cover you? I've never had PII myself, so have limited knowledge of it.
My insurers (GJW) made no such stipulation. Anyone I permit to use the boat is covered, they said, whether paid or not.
alant
Well-Known Member
No, I am not a broker, but used them & could never find a policy that would indemnify delivery skippers against negligence.
AuntyRinum
Well-Known Member
Even if they have no experience at all? If that is the case, wouldn't the insurance company's get out clause be that you were negligent in allowing them to take charge of the boat?
I've been insuring boats for 27 years and I've never found a company that doesn't expect the person in charge to be competent.
LadyInBed
Well-Known Member
OP - You didn't say when the trip was planned for.
7 berths on a 31 footer, how many decks?
7 berths on a 31 footer, how many decks?
rib
Well-Known Member
and not only that but if he had It delivered by road and it was in an accident by a uninsured car would he be covered.god its an minefield
Daydream believer
Well-Known Member
My pi has a financial limit stated. By paying a higher premium i can increase the amount of cover. The policy does not differentiate between a " mistake" & a " really bad mistake" excepting that if the worse case exceeds the cover then hard luck on me
If the insurance co does not stipulate that then no problem , one claims against the policy & leave it to the insurer to recover his cost as he sees fit
Daydream believer
Well-Known Member
The haulier should be insured ( all mine have , i check) so it is not the owners problem how the accident occurred. The owner has suffered loss & has to be compensated
Pete R
Well-Known Member
http://www.pantaenius.at/en/insurance/products/skipper-liability.html
Covers........
"•Damages to the skipper-helmed yacht due to gross negligence"
The T&C's excl #4 go on further to say they will only cover damage to the yacht caused by the proven gross negligence of the skipper.
alant
Well-Known Member
That 'excludes' skippers deriving a "commercial benefit, unless agreed with the insurer", which can be OK, if the yacht owner has cleared it with his insurer, but this policy is not specifically 'delivery skipper'. Also, when I looked at that a few years ago, any 'delivery skipper' cover, was determined on a geographical basis, with areas like UK/European waters, being different for a trip down to/back from the Med.
The subject of 'commercial skippers' insurance, is, a minefield & until actually proven legally, can put a skipper at massive financial risk, should the insurer baulk at paying out. Even with a Sea School, an instructor is dependant upon their insurance policy, which if 'freelance', might be viewed differently to an 'employee'. IIRC, even the RYA 'instructors' liability, seemed to be designed for dinghy stuff & excluded negligence. Perhaps forumites can clarify if this is so. If a 'high net worth' client, gets wacked by a boom, will their relatives withold any claim against a skipper?
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rib
Well-Known Member
soz day dreamer I was being sarcastic feel sorry for op,(I know lowest form etc )
