Is there a Boat insurance Database to check if boat has had a claim

[graham Wass]

Is there a Boat insurance Database to check if boat has had a claim.

There is for Cars Wondered if there was for boats in the UK .

 

[Solent Sailor]

There isn't even a way of properly tracking whether a boat has a secured loan on it (although you can call around the big lenders to try to work this out) - so an insurance database is a bit too optimistic I'm afraid.

Your experienced eyes, or those of your surveyor, are your best friends here. Well, along with any locals you can speak to who know the history of the boat. I went to look at an Orkney in Guernsey with a friend over there a couple of years back and it became clear very quickly that that boat was notorious as the one that "got stuck on top of such-and-such rock" and had had extensive repairs. Ask around, people will probably know.

 

[graham Wass]

Thanks for the reply. The boat I bought is Sound in the Hull Department. Been dis-masted though. Did not find out till it arrived. Nothing like Photos it was sold on. Long story and subject to Claims court. But Just wondred if previous owner had made a claim as well as selling the boat. Bit of a devious character, and I know. Should have gone and looked ,but lockdown traveling 200 miles . Bought many Boats Cars Motorcycles like this . Never one arrived not as advertised. Lesson learned . Pity one person can change things.

 

[pcatterall]

Thanks for the reply. The boat I bought is Sound in the Hull Department. Been dis-masted though. Did not find out till it arrived. Nothing like Photos it was sold on. Long story and subject to Claims court. But Just wondred if previous owner had made a claim as well as selling the boat. Bit of a devious character, and I know. Should have gone and looked ,but lockdown traveling 200 miles . Bought many Boats Cars Motorcycles like this . Never one arrived not as advertised. Lesson learned . Pity one person can change things.

Been there, been 'done over' like that. Sorry, good luck with your claim.

 

[graham Wass]

Been there, been 'done over' like that. Sorry, good luck with your claim.

Thanks. luckily I kept a record of every bit of the Transaction, Photos Texts etc. Plus info from Locals . Should be fine. Just Claims court months behind.

 

[Sticky Fingers]

.deleted. wrong thread

 

[peter gibbs]

Thanks. luckily I kept a record of every bit of the Transaction, Photos Texts etc. Plus info from Locals . Should be fine. Just Claims court months behind.

Attending small claims is no fun and there's a good chance your defendant will buckle as the date approaches. You sound in good shape with documentation, that will please the judge. You might try teh defendant now with disclosure of his insurance company at the time he sold it to you - either this will rattle him and bring him to the table for settlement, or you can inform the SCC that his insurers hold material information which they are partially / wholly refusing to disclose. You get the drift.

In my experience courts side with disclosure and openness in transactions, and if your defendant takes legal advicce he will be advised not to tough it out if it looks like you have your case in good shape to present.

Always disheartening when a transaction goes wrong through smarty behaviour by the other party.

Talking with your insurer for advice and insights into how to pursue your claim would be a favoured approach. I don't doubt there's an informal connection between houses, even if not so formalised as with motor vehicles.

Good luck,

PWG

 

[graham Wass]

Attending small claims is no fun and there's a good chance your defendant will buckle as the date approaches. You sound in good shape with documentation, that will please the judge. You might try teh defendant now with disclosure of his insurance company at the time he sold it to you - either this will rattle him and bring him to the table for settlement, or you can inform the SCC that his insurers hold material information which they are partially / wholly refusing to disclose. You get the drift.

In my experience courts side with disclosure and openness in transactions, and if your defendant takes legal advicce he will be advised not to tough it out if it looks like you have your case in good shape to present.

Always disheartening when a transaction goes wrong through smarty behaviour by the other party.

Talking with your insurer for advice and insights into how to pursue your claim would be a favoured approach. I don't doubt there's an informal connection between houses, even if not so formalised as with motor vehicles.

Good luck,

PWG

Sound advice. I have taken legal advice and they said it was a clear case of total misrepresentation It was they who pointed me to the Small Claims Court. Just a waiting game now. .

 

[lustyd]

story and subject to Claims court. But Just wondred if previous owner had made a claim as well as selling the boat. Bit of a devious character, and I know. Should have gone and lo

In theory there might be nothing wrong with claiming on insurance as a write off and then selling. Insurance companies can give the boat to you rather than dispose of it so in that instance selling is the obvious action. Pretending it's in good order isn't OK but selling might be

 

[Tranona]

Not sure why knowing whether there has been an insurance claim against the boat has any relevance. If the boat is either small or low value of both it is unlikely the owner would have had full insurance and dismasting is is not usually caused by a third party. Sounds like a straightforward misrepresentation case and a warning of the perils of buying something unseen or inspected on your behalf by a surveyor. If you win as seems likely your next problem will be actually enforcing the judgement.

 

[graham Wass]

Not sure why knowing whether there has been an insurance claim against the boat has any relevance. If the boat is either small or low value of both it is unlikely the owner would have had full insurance and dismasting is is not usually caused by a third party. Sounds like a straightforward misrepresentation case and a warning of the perils of buying something unseen or inspected on your behalf by a surveyor. If you win as seems likely your next problem will be actually enforcing the judgement.

If it had been the subject of an Insurance claim that would be contrary to what I was told. Thats By the By . Enforcement. Bailiffs a waste of Time. Sheriff is different Buying. Trust was misguided in this case. But first time in 20 years of online buying I have been let down. No matter what the boat will be returned to Pristine condition.