Help - Insurance Problem
- Thread starter Medwaylady
- Start date
petem
Well-Known Member
I think you've cause for a little optimism on fixtures and fittings front on the basis that...
a) You can argue that you have applied "reasonable maintenance"
b) The general manager has publicly said the 3.5 exclusion is incorrect in particular with regard to the cover of "consequential or resulting damage".
What you need is JFM to draft you an appropriate letter and advise the insurer that you'll make a formal complain and raise the issue with the Ombudsman if they don't settle in full.
Good luck and don't give up!
sailorman
Well-Known Member
The best advise to date
jfm
Well-Known Member
I'm not surprised to hear this is HKJ. I've said many times on forums and privately that my opinion is that it is not smart to insure your boat with these people. Their interface with customers is all lovely and efficient but the policy wording is terrible in my opinion. 3.5.1, 3.5.6, 3.15.1 and 3.15.4 are just awful in my view and I'd never buy such a policy when there are so many better ( IMHO) alternatives. Unfortunately in this case you are exposed under all four of those which is a bit of a sad full house
And don't even get me started on the shocking (IMHO) limitations in their 3rd party cover
Still, people keep buying this stuff and mby present them an award for customer service, I ask you. And folks above say they were jolly nice in the case of a 4 k claim, sheesh. (The point being that 4k is a small number and less than their multiple times the policy's annual premium). Just last week a long standing poster on here who works in insurance industry and insures his boat with HKJ was insisting to me the clauses are ok and I just had to agree to differ. Plenty of people do get it about HKJ but sadly plenty don't. I'm kind of done with preaching all this about HKJ because it seems not to work. I have zero axe to grind and am not connected with insurance companies and am just a regular boater like most others on here
Anyway I'll happily give you my views on what to do next if you wish. I happen to do litigious stuff and contracty stuff for a living and am no stranger to big fights with insurers. Devil is in the detail though so you'd need please to scan me all the correspondence to date, absolutely everything. I'll pm you an email address. Good luck anyway
And don't even get me started on the shocking (IMHO) limitations in their 3rd party cover
Still, people keep buying this stuff and mby present them an award for customer service, I ask you. And folks above say they were jolly nice in the case of a 4 k claim, sheesh. (The point being that 4k is a small number and less than their multiple times the policy's annual premium). Just last week a long standing poster on here who works in insurance industry and insures his boat with HKJ was insisting to me the clauses are ok and I just had to agree to differ. Plenty of people do get it about HKJ but sadly plenty don't. I'm kind of done with preaching all this about HKJ because it seems not to work. I have zero axe to grind and am not connected with insurance companies and am just a regular boater like most others on here
Anyway I'll happily give you my views on what to do next if you wish. I happen to do litigious stuff and contracty stuff for a living and am no stranger to big fights with insurers. Devil is in the detail though so you'd need please to scan me all the correspondence to date, absolutely everything. I'll pm you an email address. Good luck anyway
Last edited:
sailorman
Well-Known Member
Great stuff jfm
Whopper
Well-Known Member
Absolute gent!
maby
Well-Known Member
How about Y Insurance? People here seem to like them and I've had a great quote from them, but I see that they work through HKJ and this makes me nervous given the doubts surrounding them (HKJ) - any opinions on how trustworthy Y are? Are they infected by their relationship with HKJ?
sailorman
Well-Known Member
No they are nothing what ever, to do with HKJ, BUT they do use the same underwriter ( Amlin) & with differing wording to that of HKJ. It is the policy wording that is the real issue here.
Last edited:
sailorman
Well-Known Member
This was all highlighted by Phoenix of Hamble some 3 years ago when he realised what the HKJ policy wording stated. He then found Y Yacht Ins & gave a heads-up. Many of us are now with Y Yacht Ins.
Sandyshore
Well-Known Member
Interesting Insurance thread and a shocking position.
From my own reviews Yyacht appear to be an agent of HKJ and same policy wording. In my humble opinion and I stand to be corrected one and the same as far as I can see.
From my own reviews Yyacht appear to be an agent of HKJ and same policy wording. In my humble opinion and I stand to be corrected one and the same as far as I can see.
Medwaylady
New Member
Good Morning
I want to give a massive thank you to everybody who has taken the time to make comments. The positive ones who have spurred me on and also the negative ones for causing a debate and prolonging the life of the thread so that when I came back on line two weeks later after my initial posting it was still alive and kicking. It was only through this that my attention was drawn to jfm's thread of awhile ago about this particular problem with this particular insurance company (bless you petem) and also sailorman and Nick_H for their encouraging comments. I'll definitely be taking up jfm offer of help, I may be foolish for not reading through the policy but I'm definitely not a fool, I'm quite philosophical about the outcome but at least I can say I didn't give in without a bit of a fight.
I'll keep you advised (for those who are interested and not totally bored by the whole thing by now) and just want to say what a wonderful forum this is, you may not always hear what you want to hear but hey! if you can't take the heat get out of the kitchen.
Take care.
I want to give a massive thank you to everybody who has taken the time to make comments. The positive ones who have spurred me on and also the negative ones for causing a debate and prolonging the life of the thread so that when I came back on line two weeks later after my initial posting it was still alive and kicking. It was only through this that my attention was drawn to jfm's thread of awhile ago about this particular problem with this particular insurance company (bless you petem) and also sailorman and Nick_H for their encouraging comments. I'll definitely be taking up jfm offer of help, I may be foolish for not reading through the policy but I'm definitely not a fool, I'm quite philosophical about the outcome but at least I can say I didn't give in without a bit of a fight.
I'll keep you advised (for those who are interested and not totally bored by the whole thing by now) and just want to say what a wonderful forum this is, you may not always hear what you want to hear but hey! if you can't take the heat get out of the kitchen.
Take care.
rafiki_
Well-Known Member
Good stuff Medwaylady. You will get no better advice than JFM can offer.
sailorman
Well-Known Member
Pls keep us up to date on events, it benefits all forumites & is also available via search engines to highlight others to be careful
