Insurance Q - GJW

[Koeketiene]

It never rains, but it pours...

Guapa's forestay's gone.
Am insured with GJW. Got policy number right here, but policy itself's on the boat.

Can anyone insured with GJW please quote me chapter & verse.
What does it say about standing rigging? Is this covered?

Ta very much.

 

[Rustyknight]

My policy is on the boat too, but you might be able to get the info from their website. Have a look at GJW and under where it says Yacht/sailing boat you should see a link for "Policy document".

It will open as a PDF file, so you'll need Adobe Acrobat.

Hope that helps.....

 

[savageseadog]

Make sure you've got a fast enough internet connection, those exclusion clauses go for hundreds of pages.

 

[sailorman]

Sorry to hear that Will, assume the mast still where it should be by your comment.
normally the ins covers all except the bit that failed.atleast its hopefully fixable before your hols.

 

[Koeketiene]

Thanks - got it - just what I need.

Knew some-one would know - restored my faith in humanity.

 

[Rigger]

Got the "plain language policy" in front of me. Standing rigging is covered unless damaged during racing (unless you are specifically covered for this),or damage is caused by "wear,tear or depreciation, corrosion,rot, electrolysis,terrorism,war etc! Damage due to "latent defect","negligence"or accident appears to be covered,so I guess it comes down to why you lost the forestay!

 

[Koeketiene]

Mast still up - hope it stays that way - but looks we'll be OK.

Last time in Ostend, it took Cedric 20 mins just to drill one hole.
Claimed he hadn't seen one that thick before.

Tootled over to the boat for quick spin today.
Quite "sporting" when we arrived - +/- 20kts
Shame not to go out after having driven 100mls
Genoa only.
Wanted to unfurl and sail of buoy - wouldn't unfurl - only showing hankie size.
Furled again - was going to have lunch & go home.
Before leaving, one more go.
Unfurled no probs - left 4 turns on.
Wind picked up a bit, so sailed upriver to Orwell Bridge.
Sailed back.
Arrived at our buoy.
Started engine.
Blowing 30 kts.
Genoa would not furl more than half way.
Steered downwind.
Managed to furl some more.
CLUNCK
Forestay & backstay go limp.
Managed to furl (in a fashion) genoa.
Motored to buoy.
End of.

Fingers crossed to get this sorted by 21 JUL.
Only needed GJW once - were good as gold then.
Hoping for more of the same.

 

[Koeketiene]

Just read it too.

Never race.
So, in the clear there.

Guess it's a matter of how easy it is for them to blame it on "wear & tear".

Last year's survey said standing rigging was OK, but would need replacing "in due course".

 

[tome]

Blimey, what a question

Wouldn't dream of trying to make a claim on rigging - just fix it - it's wear and tear! Bit different if you lost the mast

 

[Rustyknight]

If you've re-newed the policy since that survey, and the survey was done at the request of GJW, on the Schedule it should mention under "Conditions applying" something like
[ QUOTE ]
"Warranted surveyors recommendations pertaining to safety and seaworthiness are carried out prior to any in commission use"

[/ QUOTE ]
and/or
[ QUOTE ]
"Warranted recommendations are carried out as stated by the surveyor"

[/ QUOTE ]

P'raps not much help if the surveyor left the rigging re-newal open-ended, but GJW might have added a date for re-rigging as one of those conditions...

 

[DanTribe]

I had a claim on GJW last year and found them very fair and extremely helpful & approachable.
I have to say though, that I have had forestays damaged in the past and it never occured to me to claim on insurance. I regarded it as wear & tear and was just very relieved that it was "only" a forestay and didn't result in more serious damage.

 

[jonjo]

[ QUOTE ]
Wouldn't dream of trying to make a claim on rigging - just fix it - it's wear and tear!

[/ QUOTE ]
As a GJW policy holder I am glad someone had the conviction to say that, my thoughts were the same on reading the original post.

 

[tillergirl]

You are going to lose your no claim bonus for the sake of a forestay? Really? You obviously haven't got any excess. My no claims + the excess would pay for a couple of forestays. And if you can't point to some incident that broke it, ain't it wear and tear?

 

[Koeketiene]

Ballpark figure

Like I said before - I've only needed to claim on insurance once, and GJW were as good as gold.

Would be the first time I would have to replace parts of the standing rigging.
I have no idea how much it would cost to replace a forestay (I: 16.80m - J: 5.90m)

If cost "reasonable" (couple of hundred) would pay out of own pocket; if more would try to claim.
Reason: skint.

Any ballpark figure as to cost?
Preferably from previous experience with similar size boat.

 

[Koeketiene]

Another reason I want to check if this is covered now; is that in the past I have born the costs for loads of things only to learn later "Oh, you could have claimed for this on your insurance".

 

[Koeketiene]

Deafening silence

[ QUOTE ]

Any ballpark figure as to cost?
Preferably from previous experience with similar size boat.

[/ QUOTE ]

Deafening silence.

It's not that expensive, think of your no-claims, it will put our premium up...

And when I ask for a ball-park figure... nothing...
I guess it's not that cheap then.

My apologies for not being made of money.

/forums/images/graemlins/mad.gif

 

[duncan]

Re: Deafening silence

don;t apologise for not being made of money.......would be a bit busy on here is everyone did!

I suspect your excess is more relevant than your no claims - whilst it is entirely possible for a claim to replace/repair your forestay to be significant in this context I suspect it's also possible you could fix it for a lot less (than your excess).

Also, without being judgemental, your failure doesn't seem to have had any external factor which suggests that corrosion or similar may well have been the cause.

All the best - from someone currently claiming......... /forums/images/graemlins/frown.gif

 

[Koeketiene]

Re: Deafening silence

Excess £250

 

[sailorman]

Re: Deafening silence

sent pm

 

[MoodySabre]

Re: Deafening silence

I had a cap shroud replaced on my Moody 31 last month (crack in the swage). This was done mast up at BYH (boo hiss) and that cost £247 including the bits and VAT. So a forestay and the extra fiddling about with the furler and longer too will be more than that - £400 plus I should think.