insurance and marinas uk/france

[tcm]

erm i think people may be mistaken regarding the attitude taken by uk marinas in the event of an accident with another boat.

in my experience, uk marinas only take the insurance details of annual bertholders. In france, they take the insurance details of all visitors, even for just one night.

Also in my experience, if you do get whacked in a uk marina - you can't nip over and get their insurance details from the harbour office, cos of some "data protection" bollox - whereas data protection only limits the fact that you can't use data other than for the pupose intended. So they could most definitely release the info.

Upshot is that if someone whacks you in a UK marina, tough, you have to findem and go after their insurance, if you can. Twice we been whacked, not serious £100ish, but nothing forthcoming and i can't be arsed to chase the rogues. Well, not insurance wise anyway but one way or another...

In a french marina, the marina helps find the culprit and chains them up if necessary.

So, all that giving them the insurance in the uk is presumably cover for the marina getting damaged- not your boat.

Anyone know any different?

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[PhilF]

Funny u should mention that.

When I left Port Solent on Saturday morning, I was surfing through the Marina driven by the wind. Had to very careful to avoid Diana II. Was nearly an incident, well not really nearly, but could have been,

Philf

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[petem]

Firstly, fully sympathise with you if some git has dinged your boat and not done the decent thing. However, is it really the marinas job to police owners insuring their vessels? After all, a hotel doesn't demand to see your car insurance before you park in its car park. The only proper way to ensure that boats are insured is via legislation to make registration and insurance compulsory.

Pete

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[boatone]

Yes...but if a marina demands evidence of your insurance as part of your contract are you not entitled to assume that they will exercise that over all occupants and that they have a duty of care to you as a berth holder?



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[boatone]

Re: insurance and marinas uk/france *DELETED* *DELETED*

Post deleted by boatone

 

[petem]

But where in the contract does it state that their duty of care includes the policing of knocks that occur between berthholders? If someone reversed their car into yours in a car park would you expect NCP to sort it out?

Also, as far as PS is concerned their are at least 4 categories of berth holders:-

1) Day/short term visitors
2) Annual berthholders
3) Long term lease bertholders
4) Houseowners with berths attached.

I bet that they all have different contracts with varying terms relating to insurance. Insurance should be legally mandatory. IMHO you can't expect a marina to police it.

Pete

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[boatone]

You misunderstand me. I was merely asking whether or not it was reasonable for berthholders to expect that the marina would take reasonable care to ensure that occupants were insured.
Your point about insurance being legally mandatory is well taken but with that would almost inevitably come mandatory licensing which many here have argued vehemently against.
In the event it is down to the injured party to claim on his own insurance and leave the insurers to do their stuff re the third party....which is exactly what happens in the car scenario is it not?

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[Calluna]

We were hit by an annual berth holder at Port Solent. They were uninsured and there was nothing that we could do to get them to pay up, because it wasn't worth taking them to court. PS didn't seem to care and we know that they've damaged other boats too.

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[hlb]

Boloxs. I've never been asked for insurance in france. Just as well because I never carry it. Never been asked anywhere come to that. I think my marina asks every year. Dont think I ever show them it.

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[tcm]

Are you sure it was France, tho?

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[tcm]

well, i wd think that it isn't ultimately the marinas responsibility.

To be fair to port solent (and this wasn't the main ish) - in fact they DID say that if the guy wouldn't pay -they would. Whilst this is very decent, it does show that if a guy doesn't pay up or show his insurance - then what? It has to be a big enough deal to takim to court. No road traffic rules regarding exchanging details apply.

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[boatone]

Not sayin it is or should be the marinas responsibility but...........
The marina must have its own insurance to cover its day to day operations, public liability etc etc. Now, lets imagine I am their insurer...I think I might well want to make it a condition of their insurance that they require all berthholders to be insured against third party liabilities etc....seems reasonable don t you think? Would certainly have a sensible attitude about it with regard to minimising their own risk. All very speculative I know but would be a very simple way of widening the emphasis on insurance right down the line.

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[miket]

Not sure about Boloxs?!!
I've never been asked in Holland, Belgium or France.
May be its a S France thing?

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