Insurance claim question

[blueytooey]

Hi all, quick question.
I was unfortunate enough to have a bit of damage to my boat, I have had an estimate of repair at 11k. The estimate includes berthing cost for 6 months as that is how long it is expected to be by the time they get around to it.
My question is, would it be the norm for the insurer to pay for the berthing costs or is it my problem?
Thanks, in advance.

 

[Old Harry]

All costs should be in the total repair cost, why list berthing / storage
Bear in mind your insurers will req more than the one quote & may even have a "preferred" yard
Good luck with the outcome

 

[Aeolus]

If the berthing cost is being incurred only because of the damage, you might be able to claim it but if you would have incurred the berthing cost anyhow, then your insurers are unlikely to pay for it.

If the berthing cost for the damaged boat is higher than it would have been had the boat been undamaged, then you might be able to claim the difference.

Most insurers do not cover 'loss of amenity' - i.e. the inability to use the boat and any costs arising from that.

 

[blueytooey]

Normal berthing would be negligible costs in my local boat yard but cost for berthing in the yard are £1600. I asked the yard for an all in price but computer says no, they will only provide itemised bills.
Will see what insurance company says.

 

[RichardS]

All costs should be in the total repair cost, why list berthing / storage
Bear in mind your insurers will req more than the one quote & may even have a "preferred" yard
Good luck with the outcome

My marina's maintenance yard always list things like berthing/storage/props etc separately on every quote.

Richard

 

[RichardS]

If the berthing cost is being incurred only because of the damage, you might be able to claim it but if you would have incurred the berthing cost anyhow, then your insurers are unlikely to pay for it.

If the berthing cost for the damaged boat is higher than it would have been had the boat been undamaged, then you might be able to claim the difference.

This hits the spot perfectly. :encouragement:

Richard

 

[lpdsn]

Normal berthing would be negligible costs in my local boat yard but cost for berthing in the yard are £1600. I asked the yard for an all in price but computer says no, they will only provide itemised bills.
Will see what insurance company says.

And is the repair so specialised that no other yard can do it? Perhaps even without having to wait 6 months. Can the boat not be moved, even on a truck?

 

[ashtead]

Not certain I understand the reason here for the berthing costs? Clearly some time ashore might be required for repairs but is the case the vessel cannot be moved and hence has to sit in yard for 6 months pending repairs? Surely it must be cheaper to move to a repairer which has ability to carry out repairs more expeditiously? To say that one yard cannot complete work for 6 months and no others can assist might raise challengers from insurers unless say the vessel cannot be moved to a yard which wants the business . If one was cynical the insurers might think the OP was trying to rack up storage charges at their expense so the might just send an adjuster to have a look at damage etc.

 

[CCJ]

Not certain I understand the reason here for the berthing costs? Clearly some time ashore might be required for repairs but is the case the vessel cannot be moved and hence has to sit in yard for 6 months pending repairs? Surely it must be cheaper to move to a repairer which has ability to carry out repairs more expeditiously? To say that one yard cannot complete work for 6 months and no others can assist might raise challengers from insurers unless say the vessel cannot be moved to a yard which wants the business . If one was cynical the insurers might think the OP was trying to rack up storage charges at their expense so the might just send an adjuster to have a look at damage etc.

I wonder is the OP is Norwegian

 

[ashtead]

Do Norwegians work very slowly then?

 

[tyce]

...

 

[Jim@sea]

Get in touch with a Chartered Loss Assessor, you may find that you can claim more than you expect.

 

[rjandhl]

Our boat was damaged whilst we were away in France and it was not possible to sail back to the UK for repairs. Our insurance paid for the additional berthing and storage costs as well as the repairs but they reclaimed from the other party's insurers. We used the legal cover part of our insurance policy to sue the other party for loss of use and our additional costs, such as ferries, car hire etc. There is a standard method of calculating loss of use and it is not overly generous but still worth doing if you have the additional legal cover.